# EDGAR Filing Document

**Accession Number:** 0001889966
**File Stem:** 0001213900-26-012285
**Filing Date:** 2026-2
**Character Count:** 7092394
**Document Hash:** 85f70f552a47798aa0aaaf2581560a68
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-012285.hdr.sgml**: 20260204

**ACCESSION NUMBER**: 0001213900-26-012285

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

**PUBLIC DOCUMENT COUNT**: 56

**CONFORMED PERIOD OF REPORT**: 20260204

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

**FILED AS OF DATE**: 20260204

**DATE AS OF CHANGE**: 20260204

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05871
- **FILM NUMBER:** 26598797

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

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

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

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

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

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

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

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

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

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

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

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

OMB Number: 3235-0675

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

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

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

------

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

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

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

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

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

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

Barclays Mortgage Loan Trust 2026-CES1

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

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

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

Sanyogita Lakhera (212) 526-4149

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

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

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

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached Exhibit 99 to this Form ABS-15G. Please see the Exhibit Index for the related information.

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
|  |  | SUTTON FUNDING LLC | SUTTON FUNDING LLC |
| Date: | February 4, 2026 | By: | /s/ Sanyogita Lakhera |
|  |  | Name: | Sanyogita Lakhera |
|  |  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC 2 Narrative](ea027514701_ex99-1.htm)

[Schedule 1 – Data Compare](ea027514701_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea027514701_ex99-1sch2.htm)

[Schedule 3 – RA Grades](ea027514701_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea027514701_ex99-1sch4.htm)

[99.2 - Third Party Due Diligence Report – AMC Light Lien Report Narrative](ea027514701_ex99-2.htm)

[Schedule 1 – Light Lien Dashboard](ea027514701_ex99-2sch1.htm)

[Schedule 2 – Light Lien Mortgage Data](ea027514701_ex99-2sch2.htm)

[Schedule 3 – Data Compare](ea027514701_ex99-2sch3.htm)

[Schedule 4 – Exception Grades](ea027514701_ex99-2sch4.htm)

[Schedule 5 – Rating Agency Grades Report](ea027514701_ex99-2sch5.htm)

[Schedule 6 – Valuation Summary](ea027514701_ex99-2sch6.htm)

[99.3 - Third Party Due Diligence Report – Consolidated Analytics Narrative](ea027514701_ex99-3.htm)

[Schedule 1 – Data Compare Report](ea027514701_ex99-3sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea027514701_ex99-3sch2.htm)

[Schedule 3 – RA Grades Summary](ea027514701_ex99-3sch3.htm)

[Schedule 4 – Valuation Report](ea027514701_ex99-3sch4.htm)

[99.4 - Third Party Due Diligence Report – Clarifii Narrative](ea027514701_ex99-4.htm)

[Schedule 1 – ATR QM Report](ea027514701_ex99-4sch1.htm)

[Schedule 2 – Data Compare Report](ea027514701_ex99-4sch2.htm)

[Schedule 3 – Rating Agency Grades Detail](ea027514701_ex99-4sch3.htm)

[Schedule 4 – Rating Agency Grades Summary](ea027514701_ex99-4sch4.htm)

[Schedule 5 – Valuation Report](ea027514701_ex99-4sch5.htm)

[99.5 - Third Party Due Diligence Report – Opus Narrative](ea027514701_ex99-5.htm)

[Schedule 1 – ATR OR QM Report](ea027514701_ex99-5sch1.htm)

[Schedule 2 – Data Compare Report](ea027514701_ex99-5sch2.htm)

[Schedule 3 – RA Grades Summary Report](ea027514701_ex99-5sch3.htm)

[Schedule 4 – Standard Fundings Report](ea027514701_ex99-5sch4.htm)

[Schedule 5 – Valuation Report](ea027514701_ex99-5sch5.htm)

[99.6 - Third Party Due Diligence Report – Selene Narrative](ea027514701_ex99-6.htm)

[Schedule 1 – Data Compare Report](ea027514701_ex99-6sch1.htm)

[Schedule 2 – RA Grades Summary Report](ea027514701_ex99-6sch2.htm)

[Schedule 3 – Standard Findings Report](ea027514701_ex99-6sch3.htm)

[Schedule 4 – Valuation Report](ea027514701_ex99-6sch4.htm)

[99.7 – Third Party Due Diligence Report – Inglet Blair Narrative](ea027514701_ex99-7.htm)

[Schedule 1 – Data Comparison](ea027514701_ex99-7sch1.htm)

[Schedule 2 – Exception Report](ea027514701_ex99-7sch2.htm)

[Schedule 3 – Final Grading Summary](ea027514701_ex99-7sch3.htm)

[Schedule 4 – Loan Summary](ea027514701_ex99-7sch4.htm)

[Schedule 5 – QM Summary](ea027514701_ex99-7sch5.htm)

[Schedule 6 – Valuation Report](ea027514701_ex99-7sch6.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Sutton Funding LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from January 2023 through July 2023 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (6 loans). The loans reviewed using the Credit and Compliance Scope are together referred to as the mortgage loans.

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

The initial population consisted of 6 mortgage loans.

The final population of the Review covered 6 mortgage loans totaling an aggregate original principal balance of approximately $0.478 million To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations,

NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

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

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

Borrower First Name <u>Coborrower First Name</u> <u>Note Date</u> <br> <u>Borrower Last Name</u> <u>Coborrower Last Name</u>  

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

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

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

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

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

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![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

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![](ex99-1_001.jpg)

**DATA COLLECTION**

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

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

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

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

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

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

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

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

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![](ex99-1_001.jpg)

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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![](ex99-1_001.jpg)

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

---

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

---

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

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

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

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

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

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

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

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

 

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**OVERALL REVIEW RESULTS SUMMARY**

There were six (6) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS and Fitch NRSRO grading criteria four (4) loans (66.67%) had an Overall grade of "A", and two (2) loans (33.33%) had an Overall grade of "B".

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| | | |
|:---|:---|:---|
| <br> **DBRS and Fitch Overall Loan Grades** | <br> **DBRS and Fitch Overall Loan Grades** | <br> **DBRS and Fitch Overall Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 4 | 66.67% |
| B | 2 | 33.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **6** | **100.00%** |

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**CREDIT RESULTS SUMMARY**

Six (6) loans (100.00%) reviewed received an "A" Credit grade. No loans had a Credit grade lower than "A".

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| | | |
|:---|:---|:---|
| <br> **DBRS and Fitch Credit Loan Grades** | <br> **DBRS and Fitch Credit Loan Grades** | <br> **DBRS and Fitch Credit Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 6 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **6** | **100.00%** |

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**COMPLIANCE RESULTS SUMMARY**

After all documents were presented, under the applicable DBRS NRSRO grading criteria and Fitch NRSRO grading criteria four (4) loans (66.67%) had a Compliance grade of "A", and two (2) loans (33.33%) had a Compliance grade of "B.

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| | | |
|:---|:---|:---|
| <br> **DBRS and Fitch Compliance Loan Grades** | <br> **DBRS and Fitch Compliance Loan Grades** | <br> **DBRS and Fitch Compliance Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 4 | 66.67% |
| B | 2 | 33.33% |
| C | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **6** | **100.00%** |

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**PROPERTY/VALUATION RESULTS SUMMARY**

There were six (6) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS NRSRO grading criteria and Fitch NRSRO grading criteria, all six (6) loans (100%) had a Property grade of "A".

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| | | |
|:---|:---|:---|
| <br> **DBRS and Fitch Property Loan Grades** | <br> **DBRS and Fitch Property Loan Grades** | <br> **DBRS and Fitch Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 6 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **6** | **100.00%** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the six (6) Loans reviewed, six (6) unique Loans had six (6) different tape discrepancies one (1) data field (some Loans had more than one data delta). The most variances were found on Note Date.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Field Label** | **Loans With <br> Discrepancy** | **Total Times <br> Compared** | **%**<br> **Variance** | **# Of <br> Loans** |
| &nbsp;&nbsp;Borrower First Name | 0 | 6 | 0.00% | 6 |
| &nbsp;&nbsp;Borrower Last Name | 0 | 6 | 0.00% | 6 |
| &nbsp;&nbsp;Coborrower First Name | 0 | 3 | 0.00% | 6 |
| &nbsp;&nbsp;Coborrower Last Name | 0 | 3 | 0.00% | 6 |
| &nbsp;&nbsp;Note Date | 6 | 6 | 100.00% | 6 |
| &nbsp;&nbsp;**Total** | **6** | **24** | **25.00%** | **6** |

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

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Amortization Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | **Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | 6 | 100.00% | $477900.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **6** | **100.00%** | **$477900.00** | **100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;2 | 6 | 100.00% | $477900.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **6** | **100.00%** | **$477900.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | 2 | 33.33% | $229000.00 | 47.92% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | 4 | 66.67% | $248900.00 | 52.08% |
| &nbsp;&nbsp;**Total** | **6** | **100.00%** | **$477900.00** | **100.00%** |

---

12 \| P a g e

![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;121-180 Months | 6 | 100.00% | $477900.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **6** | **100.00%** | **$477900.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | 4 | 66.67% | $349000.00 | 73.03% |
| &nbsp;&nbsp;Condo, Low Rise | 1 | 16.67% | $55000.00 | 11.51% |
| &nbsp;&nbsp;PUD | 1 | 16.67% | $73900.00 | 15.46% |
| &nbsp;&nbsp;**Total** | **6** | **100.00%** | **$477900.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | 6 | 100.00% | $477900.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **6** | **100.00%** | **$477900.00** | **100.00%** |

---

13 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| |
|:---|
| ![](ex99-1sch1_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 1/28/2026 8:54:24 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| (redacted) | 1 |  |  |  | Original CLTV | 100 | 74.98758 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| (redacted) | 2 |  |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 2 |  |  |  | Original CLTV | 100 | 51.49895 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| (redacted) | 3 |  |  |  | Original CLTV | 100 | 69.34509 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 4 |  |  |  | Original CLTV | 100 | 70.21897 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| (redacted) | 4 |  |  |  | LTV Valuation Value | XXXX | XXXX | Verified | Field value reflects source document |
| (redacted) | 4 |  |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| (redacted) | 5 |  |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 5 |  |  |  | Original CLTV | 100 | 44.39444 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| (redacted) | 7 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 7 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 8 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 8 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 10 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 10 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 12 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 12 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 12 |  |  |  | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| (redacted) | 18 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 18 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 20 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 20 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 24 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 24 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 27 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 27 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 29 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 29 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 35 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 35 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 38 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 38 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 39 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 40 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 40 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 41 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 41 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 44 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 44 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 45 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 45 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 46 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 47 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 47 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 48 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 48 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 49 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 49 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 51 |  |  |  | Original CLTV | 63 | 68.69976 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| (redacted) | 53 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 53 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 54 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 54 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 55 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 55 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 57 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 57 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 58 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 58 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 58 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 59 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 59 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 60 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 60 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 62 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 62 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 69 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 69 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 70 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 76 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 76 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 77 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 77 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Tape Value reflects decimal point in incorrect position |
| (redacted) | 78 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 78 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 81 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 82 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 83 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 83 |  |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| (redacted) | 83 |  |  |  | Original CLTV | 83 | 81.88323 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| (redacted) | 84 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 84 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 85 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 87 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 87 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 87 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 88 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 88 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 88 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 89 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 89 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 89 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 90 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 91 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Approval/AUS |
| (redacted) | 92 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 93 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 93 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 94 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 95 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 96 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 97 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 98 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 99 |  |  |  | Lien Position |  | 2 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 99 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 101 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 101 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 101 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| (redacted) | 101 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 104 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 106 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 106 |  |  |  | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 107 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 107 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 109 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 110 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 110 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 111 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 111 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 111 |  |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| (redacted) | 113 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 115 |  |  |  | Original CLTV | 61 | 59.60424 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| (redacted) | 117 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 118 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 119 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 122 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 122 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 129 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 135 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 137 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 139 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 141 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 141 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 143 |  |  |  | Original CLTV | 82 | 80.67242 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| (redacted) | 145 |  |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| (redacted) | 147 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 149 |  |  |  | Original CLTV | 75 | 76.6211 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 150 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 152 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 152 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 155 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 157 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 158 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 159 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 160 |  |  |  | Original CLTV | 80 | 78.90244 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 160 |  |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| (redacted) | 164 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 169 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 169 |  |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| (redacted) | 172 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 172 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 173 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 176 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 176 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 177 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 178 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 180 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 181 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 182 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 185 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 187 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 193 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 194 |  |  |  | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 195 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 195 |  |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| (redacted) | 198 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 199 |  |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| (redacted) | 200 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 201 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 203 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 205 |  |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 212 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 224 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 224 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 230 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 230 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 230 |  |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Taxes do not match. |
| (redacted) | 232 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 232 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 234 |  |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| (redacted) | 235 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 235 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 238 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 238 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 239 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 239 |  |  |  | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 243 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 243 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 243 |  |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| (redacted) | 244 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 244 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 245 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 246 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 246 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 251 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 255 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 255 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 257 |  |  |  | Doc Type | Full | WVOE | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 265 |  |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 265 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 267 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 272 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 283 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| (redacted) | 286 |  |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

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| |
|:---|
| ![](ex99-1sch2_001.jpg) |
| **Exception Grades** |
| **Run Date - 1/28/2026 8:52:41 PM** |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| (redacted) | 1 |  |  | 29411512 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  |  | 12/06/2023 |  |  | 1 C | A C | C | A C |  | WA | Primary | Refinance - Cash-out - Other | D B C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 1 |  |  | 29411525 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: XXXX |  |  |  |  |  |  | 12/06/2023 |  |  | 1 D | A | D | A D |  | WA | Primary | Refinance - Cash-out - Other | D B C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 1 |  |  | 29411627 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B | B |  | WA | Primary | Refinance - Cash-out - Other | D B C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 1 |  |  | 29411628 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-01-28): EXCEPTION HISTORY - Exception Detail was updated on 01/28/2026 PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $30.00 exceeds tolerance of $25.00. Insufficient or no cure was provided to the borrower. (75197) |  |  |  | 2 C | B C | C | B C |  | WA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 1 |  |  | 29411629 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-01-28): EXCEPTION HISTORY - Exception Detail was updated on 01/28/2026 PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $345.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7561) |  |  |  | 2 C | B C | C | B C |  | WA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 1 |  |  | 29611201 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. |  | SitusAMC<br>SitusAMC |  |  |  | 12/06/2023 | 2 | B |  | B |  | WA | Primary | Refinance - Cash-out - Other | D B C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 1 |  |  | 35655334 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | A |  | A B |  | WA | Primary | Refinance - Cash-out - Other | D B C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 2 |  |  | 29410513 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. |  |  |  |  | Reviewer Comment (2026-01-28): Client retested to Non QM | 01/28/2026 |  |  | 1 B | A C | B | A C B |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| (redacted) | 2 |  |  | 29410514 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. |  |  |  |  | Reviewer Comment (2026-01-28): Client retested to Non QM | 01/28/2026 |  |  | 1 C | A C | C | A C |  | CO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 2 |  |  | 29410515 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B | B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 2 |  |  | 29410516 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $-[redacted] . |  |  |  |  |  |  |  |  | 2 C | B C | C | B C |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| (redacted) | 2 |  |  | 29411018 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC |  |  |  | 12/06/2023 | 2 C | B C | C | B C |  | CO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 2 |  |  | 35654121 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client retested to Non QM |  |  |  |  |  |  |  | 2 | A B |  | B A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 3 |  |  | 29410927 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 C | B C | C | B C |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 3 |  |  | 29410996 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted]): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 3 |  |  | 29410997 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule [redacted] : Appraisal not obtained by physical visit to property. |  |  |  |  |  |  |  |  | 2 C | B C | C | B C |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 3 |  |  | 29411000 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. |  |  |  |  | Reviewer Comment (2026-01-28): Client retested to Non QM | 01/28/2026 |  |  | 1 B | A C | B | A C B |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| (redacted) | 3 |  |  | 29411001 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. |  |  |  |  | Reviewer Comment (2026-01-28): Client retested to Non QM | 01/28/2026 |  |  | 1 C | A C | C | A C |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 3 |  |  | 29411002 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 3 |  |  | 29411003 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $-[redacted] . |  |  |  |  |  |  |  |  | 2 C | B C | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| (redacted) | 3 |  |  | 29411004 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-01-28): EXCEPTION HISTORY - Exception Detail was updated on 01/28/2026 PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $525.25 exceeds tolerance of $120.00. Insufficient or no cure was provided to the borrower. (8304) |  |  |  | 2 C | B C | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| (redacted) | 3 |  |  | 29411378 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-28): client elected to regrade<br>Reviewer Comment (2026-01-28): reopen |  |  | 01/28/2026 | 2 C | B C | C | B C |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 3 |  |  | 35654054 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client retested to Non QM |  |  |  |  |  |  |  | 2 | A B |  | B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 3 |  |  | 35654093 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waived |  |  | 01/28/2026 | 2 | A |  | A B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 4 |  |  | 29402876 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  |  | 12/06/2023 |  |  | 1 C | A C | C | A C |  | MI | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 4 |  |  | 29402877 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: XXXX |  |  |  |  |  |  | 12/06/2023 |  |  | 1 D | A | D | A D |  | MI | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 4 |  |  | 29404578 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B | B |  | MI | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 4 |  |  | 29404579 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | [redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B | B |  | MI | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 4 |  |  | 29405478 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC |  |  |  | 12/06/2023 | 2 C | B C | C | B C |  | MI | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 5 |  |  | 29408129 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B | B |  | TN | Primary | Refinance - Cash-out - Home Improvement | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 5 |  |  | 29408139 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-01-28): EXCEPTION HISTORY - Exception Detail was updated on 01/28/2026 PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $43.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) |  |  |  | 2 C | B C | C | B C |  | TN | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 5 |  |  | 29408395 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC |  |  |  | 12/06/2023 | 2 C | B C | C | B C |  | TN | Primary | Refinance - Cash-out - Home Improvement | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 6 |  |  | 29969380 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 6 |  |  | 29969440 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. |  |  |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Minimum loan limit for this product is $[redacted]per lender guidelines. Exception invalid. Please cancel. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 6 |  |  | 35654960 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 |  |  | 29949499 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance policy is missing in file. |  |  |  | Reviewer Comment (2024-02-20): Updated policy provided.<br>Seller Comment (2024-02-16): Please see attached. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 |  |  | 29949529 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: XXXX |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived<br>Reviewer Comment (2026-01-28): reopen<br>Reviewer Comment (2024-02-20): Client elected to override this exception. If loan is sold to rating agency that requires for securitization, exception will need to be re opened. |  |  | 01/28/2026 | 3 D | N/A | N/A | N/A D |  | TN | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 |  |  | 29949530 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 |  |  | 35649672 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): Waived |  |  | 01/28/2026 | 3 | D A |  | D |  | TN | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 8 |  |  | 29949174 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 8 |  |  | 29949175 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 8 |  |  | 29949205 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 8 |  |  | 35654979 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 9 |  |  | 29958347 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 9 |  |  | 29958370 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Unclear where the Originator Loan Designation states Safe Harbor. This loan was closed non-QM. Originator designation matches DD designation as Non-QM. Please clarify exception. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 9 |  |  | 29958371 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Unclear where the Originator Loan Designation states Safe Harbor. This loan was closed non-QM. Originator designation matches DD designation as Non-QM. Please clarify exception. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 9 |  |  | 35654986 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: XXXX | Note Date: ___; Lien Position: ___ | waive |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 10 |  |  | 29949123 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 10 |  |  | 29949129 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | TN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 10 |  |  | 35655113 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 11 |  |  | 29958167 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 11 |  |  | 35655114 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 12 |  |  | 29945632 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| (redacted) | 12 |  |  | 29945672 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. |  |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): The buyer is able to request and provide guidance to [redacted]for testing this loan as QM safe harbor however, this will result in incurable<br> exceptions per the loan being originated as Non QM. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| (redacted) | 12 |  |  | 29945674 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): The buyer is able to request and provide guidance to [redacted]for testing this loan as QM safe harbor however, this will result in incurable<br> exceptions per the loan being originated as Non QM. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 12 |  |  | 35655115 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| (redacted) | 13 |  |  | 29958321 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 13 |  |  | 35655116 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 14 |  |  | 29950379 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 14 |  |  | 35653782 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 15 |  |  | 29958577 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 15 |  |  | 35655078 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 16 |  |  | 29958048 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 16 |  |  | 29958114 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted] form was used, the H-8 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  | Reviewer Comment (2024-02-16): Acceptable for [redacted]liens | 02/16/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 16 |  |  | 35655117 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 17 |  |  | 29958341 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): [redacted]has designation of ATR Non-QM. [redacted]should be testing to the same, thank you | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 17 |  |  | 29958342 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. | Per clients guidance we tested to QM Safe Harbor. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): [redacted]has designation of ATR Non-QM. [redacted]should be testing to the same, thank you | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 17 |  |  | 29958343 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 17 |  |  | 35655154 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 18 |  |  | 29958387 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 18 |  |  | 29958395 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM.<br>Reviewer Comment (2024-02-16): We will get with buyer to see if they want to re state to Non QM testing.<br>Seller Comment (2024-02-15): Our documentation does not say Higher Priced or Safe Harbor because those are incorrect QM designations for this loan. The loan should be tested as the buyers request but that will no impact our QM designation. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 18 |  |  | 29958396 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. | Per clients guidance we tested to QM Safe Harbor. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM.<br>Reviewer Comment (2024-02-16): We will get with buyer to see if they want to re state to Non QM testing.<br>Seller Comment (2024-02-15): Our documentation does not say Higher Priced or Safe Harbor because those are incorrect QM designations for this loan. The loan should be tested as the buyers request but that will no impact our QM designation. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 18 |  |  | 35655155 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 19 |  |  | 29949669 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 19 |  |  | 35655118 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 20 |  |  | 29949224 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 20 |  |  | 35655082 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 21 |  |  | 29950526 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 21 |  |  | 35655084 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 22 |  |  | 29951330 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 22 |  |  | 35655156 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 23 |  |  | 29951365 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 23 |  |  | 29951411 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per client guidance we tested to QM APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Our documentation does not say Higher Priced or Safe Harbor because those are incorrect QM designations for this loan. The loan should be tested as the buyers request, but that will not impact our QM designation. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 23 |  |  | 29951412 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. | Per client guidance we tested to QM APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Our documentation does not say Higher Priced or Safe Harbor because those are incorrect QM designations for this loan. The loan should be tested as the buyers request, but that will not impact our QM designation. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 23 |  |  | 35655157 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 24 |  |  | 29951357 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 24 |  |  | 29951420 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Unclear where the Originator Loan Designation states Safe Harbor. This loan was closed non-QM. Originator designation matches DD designation as Non-QM. Please clarify exception. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 24 |  |  | 29951421 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Unclear where the Originator Loan Designation states Safe Harbor. This loan was closed non-QM. Originator designation matches DD designation as Non-QM. Please clarify exception. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 24 |  |  | 35655158 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 25 |  |  | 29951313 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 25 |  |  | 29999125 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee information not shown on insurance summary. |  |  |  | Reviewer Comment (2024-02-16): Cleared with clarification NA per[redacted]lien guides | 02/16/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 25 |  |  | 35655120 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 26 |  |  | 29958645 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 26 |  |  | 35655085 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 27 |  |  | 29950384 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 27 |  |  | 29950443 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ |  |  |  |  | Reviewer Comment (2024-02-16): Cleared with clarification [redacted] lien guides | 02/16/2024 |  |  | 1 B | A B | B | A B |  | TN | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 27 |  |  | 35655121 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 28 |  |  | 29951501 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| (redacted) | 28 |  |  | 29951537 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive<br>Reviewer Comment (2026-01-28): reopen<br>Reviewer Comment (2024-02-20): Client elected to override this exception. If loan is sold to rating agency that requires for securitization, exception will need to be re opened. |  |  | 01/28/2026 | 3 D | N/A | N/A | N/A D |  | TN | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| (redacted) | 28 |  |  | 29951543 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. | APR exceeds allowable tolerance, client can request to re-state loan designation to Non QM. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| (redacted) | 28 |  |  | 29951544 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage ([redacted]): Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of the greater of .[redacted] % of the Federal Total Loan Amount and [redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] and $[redacted] (an overage of $[redacted] or [redacted] %). | Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of the greater of .[redacted] % of the Federal Total Loan Amount and $[redacted] Appraisal invoice with breakdown of [redacted] fee to affiliate not provided. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-20): Please see attached invoice breaking out the AMC fee. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| (redacted) | 28 |  |  | 29951545 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | APR exceeds allowable tolerance, client can request to re-state loan designation to Non QM. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Non QM | Non QM | Yes |
| (redacted) | 29 |  |  | 29958330 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 29 |  |  | 29977563 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | 1st and 2nd Mortgagee was not provided. |  |  |  | Reviewer Comment (2024-02-16): Cleared with clarification NA per [redacted]lien guides<br>Seller Comment (2024-02-16): Lender guidelines for this product do not require HOI mortgagee clause to be in [redacted]Mortgage's name. Please cancel this exception. | 02/16/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 29 |  |  | 29977564 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2024-02-19): Provided and cleared.<br>Seller Comment (2024-02-16): Please see attached mortgage statement confirming unpaid balance and P&I. Mortgage statement is sufficient per guidelines. Please clear exception. | 02/19/2024 |  |  | 1 D | A D | D | A D |  | TN | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 29 |  |  | 35655086 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 30 |  |  | 29958463 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 30 |  |  | 29958475 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM.<br>Reviewer Comment (2024-02-19): [redacted] asked us to test to Safe Harbor QM APOR. We know loan was originated as Non QM using QM Fee worksheet in file. We have reached out to [redacted] if they would like to now test to Non QM. Nothing needed from seller.<br>Seller Comment (2024-02-15): The correct QM designation is ATR Non-QM as reflected in the loan file. [redacted] should test the loan in the manner described by the buyer ([redacted]). | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 30 |  |  | 29958476 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. | Per clients guidance we tested to QM Safe Harbor. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 30 |  |  | 35655088 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 31 |  |  | 29950377 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 31 |  |  | 29950489 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | APR exceeds allowable tolerance, client can request re-stating loan designation to Non QM. |  |  |  | Reviewer Comment (2024-02-20): After further review exception cleared<br>Seller Comment (2024-02-16): The loans APR is above the QM threshold which is why the designation is QM rebuttable presumption. Please test the loan in the manner the buyer has advised. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 31 |  |  | 29950490 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted] % is equal to or greater than the threshold of [redacted] %. | APR exceeds allowable tolerance, client can request re-stating loan designation to Non QM. |  |  |  | Reviewer Comment (2024-02-20): After further review exception cleared<br>Seller Comment (2024-02-16): The loans APR is above the QM threshold which is why the designation is QM rebuttable presumption. Please test the loan in the manner the buyer has advised. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 31 |  |  | 35655122 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 32 |  |  | 29950660 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 32 |  |  | 29950733 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [redacted] % and based on [redacted] % moderately exceed the guideline maximum of [redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-28): Client elected to regrade and waive |  |  | 01/28/2026 | 2 C | B C | C | B C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 32 |  |  | 29950739 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  |  | Reviewer Comment (2026-01-28): Client elected to regrade and waive DTi exception | 01/28/2026 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 32 |  |  | 29950744 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  |  | Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-28): Client elected to regrade and waive |  |  | 01/28/2026 | 2 C | B C | C | B C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 32 |  |  | 29950745 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2026-01-28): Client elected to regrade and waive DTI exception | 01/28/2026 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 32 |  |  | 35654160 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waived |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 33 |  |  | 29951492 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 33 |  |  | 29951517 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. | Missing evidence of receipt of appraisal at least [redacted] days prior to the Note date. Signed delivery timing waiver provided, however, waiver is not allowed on HPML loans. |  |  |  | Reviewer Comment (2024-02-16): Cleared with appraisal tracking<br>Seller Comment (2024-02-15): Please see the attached screen shot from our LOS documents review portal which confirms the borrower viewed the appraisal on [redacted] | 02/16/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 33 |  |  | 29951518 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Missing evidence of receipt of appraisal at least [redacted] days prior to the Note date. Signed delivery timing waiver provided, however, waiver is not allowed on HPML loans. |  |  |  | Reviewer Comment (2024-02-16): Cleared with appraisal tracking<br>Seller Comment (2024-02-15): Please see the attached screen shot from our LOS documents review portal which confirms the borrower viewed the appraisal on [redacted] per line item# [redacted] | 02/16/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 33 |  |  | 29951519 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM.<br>Reviewer Comment (2024-02-16): We will get with Buyer to see if they want to re state to Non QM for testing<br>Seller Comment (2024-02-15): The buyer is able to request and provide guidance to [redacted] for testing this loan as QM safe harbor however, this will result in incurable exceptions per the loan being originated as Non QM. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 33 |  |  | 29951520 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per clients guidance we tested to QM Safe Harbor. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM.<br>Reviewer Comment (2024-02-16): We will get with Buyer to see if they want to re state to Non QM for testing<br>Seller Comment (2024-02-15): The buyer is able to request and provide guidance to [redacted] for testing this loan as QM safe harbor however, this will result in incurable exceptions per the loan being originated as Non QM. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 33 |  |  | 35655159 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 34 |  |  | 29957567 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 34 |  |  | 29957625 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Please include the $[redacted] Appraisal management fee as a prepaid finance charge. This will align the APR and QM designation. Attached is the appraisal invoice breaking out the [redacted] portion. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 34 |  |  | 29957626 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Please include the $[redacted] Appraisal management fee as a prepaid finance charge. This will align the APR and QM designation. Attached is the appraisal invoice breaking out the [redacted] portion. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 34 |  |  | 35655123 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 35 |  |  | 29954120 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 35 |  |  | 29954165 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM.<br>Reviewer Comment (2024-02-16): We are reaching out to buyer if they want to re state their testing from Safe Harbor QM to Non QM.<br>Seller Comment (2024-02-16): Most recent QM Findings in loan file, page [redacted], show the lender designation is Non-QM, dated [redacted]. Please cancel exceptions. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 35 |  |  | 29954166 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM.<br>Reviewer Comment (2024-02-16): Agree Doc ID [redacted] QM finding on [redacted], match our finding of Non QM. We are reaching out to buyer if they want to re state their testing from Safe Harbor QM to Non QM.<br>Seller Comment (2024-02-16): Most recent QM Findings in loan file, page [redacted], show the lender designation is Non-QM, dated [redacted]. Please cancel exceptions. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 35 |  |  | 35655160 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 36 |  |  | 29949894 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 36 |  |  | 35655089 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 37 |  |  | 29953953 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 37 |  |  | 29954156 |  | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  | Flood insurance is missing in loan file. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-16): Please see attached evidence of 1) The policy in effect at closing, 2) The policy in effect until [redacted], and 3) the renewal policy effective [redacted]. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 37 |  |  | 29954200 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Flood Insurance Policy not provided. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-16): Please see attached evidence of 1) The policy in effect at closing, 2) The policy in effect until [redacted], and 3) the renewal policy effective [redacted]. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 37 |  |  | 35655090 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 38 |  |  | 29951327 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 38 |  |  | 29951380 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-19): Please review the QM Summary form which confirms [redacted] has a designation of ATR Non-QM. [redacted] should be testing to the same, thank you | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 38 |  |  | 29951381 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-19): Please review the QM Summary form which confirms [redacted] has a designation of ATR Non-QM. [redacted] should be testing to the same, thank you | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 38 |  |  | 35655161 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 39 |  |  | 29954748 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 39 |  |  | 35655124 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 40 |  |  | 29953550 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 40 |  |  | 35655091 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 41 |  |  | 29952010 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 41 |  |  | 35655092 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 42 |  |  | 29957635 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 42 |  |  | 29957643 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing evidence of the Purchase of [redacted]. Missing the Mortgage Statement, Tax Verification and Insurance Verification. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-19): Borrower was in process of purchasing new primary located at [redacted] at the time of closing this subject transaction. Purchase of [redacted] took place after subject closing, as funds from the subject transaction were used toward funds to close for purchase. Subject transaction was incorrectly using former rent payment in DTI. Rent has been removed from DTI, as there are less than [redacted] payments remaining, per guidelines, and borrower intended to occupy [redacted] as primary once that transaction closed later in [redacted]. Borrower is now being qualified with full PITIA payment from primary at [redacted]. Updated 1003, 1008, and final CD to confirm PITIA from [redacted] are attached. Please review and clear all exceptions. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 42 |  |  | 29957672 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The file is missing evidence of the Purchase of [redacted]. Missing the Mortgage Statement, Tax Verification and Insurance Verification, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-19): Borrower was in process of purchasing new primary located at [redacted] at the time of closing this subject transaction. Purchase of [redacted] took place after subject closing, as funds from the subject transaction were used toward funds to close for purchase. Subject transaction was incorrectly using former rent payment in DTI. Rent has been removed from DTI, as there are less than [redacted] payments remaining, per guidelines, and borrower intended to occupy [redacted] as primary once that transaction closed later in [redacted]. Borrower is now being qualified with full PITIA payment from primary at [redacted]. Updated 1003, 1008, and final CD to confirm PITIA from [redacted] are attached. Please review and clear all exceptions. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 42 |  |  | 29978330 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The file is missing evidence of the Purchase of [redacted]. Missing the Mortgage Statement, Tax Verification and Insurance Verification. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-19): Borrower was in process of purchasing new primary located at [redacted] at the time of closing this subject transaction. Purchase of [redacted] took place after subject closing, as funds from the subject transaction were used toward funds to close for purchase. Subject transaction was incorrectly using former rent payment in DTI. Rent has been removed from DTI, as there are less than [redacted] payments remaining, per guidelines, and borrower intended to occupy [redacted] as primary once that transaction closed later in[redacted]. Borrower is now being qualified with full PITIA payment from primary at [redacted]. Updated 1003, 1008, and final CD to confirm PITIA from [redacted] are attached. Please review and clear all exceptions. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 42 |  |  | 29978346 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The increase in Debt Ratio is due to the adding in the Purchase of [redacted]. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-19): Borrower was in process of purchasing new primary located at [redacted] at the time of closing this subject transaction. Purchase of [redacted] took place after subject closing, as funds from the subject transaction were used toward funds to close for purchase. Subject transaction was incorrectly using former rent payment in DTI. Rent has been removed from DTI, as there are less than [redacted] payments remaining, per guidelines, and borrower intended to occupy [redacted] as primary once that transaction closed later in [redacted]. Borrower is now being qualified with full PITIA payment from primary at [redacted]. Updated 1003, 1008, and final CD to confirm PITIA from [redacted] are attached. Please review and clear all exceptions. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 42 |  |  | 29978357 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted] moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The file is missing evidence of the Purchase of [redacted]. Missing the Mortgage Statement, Tax Verification and Insurance Verification, causing the DTI to increase. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-19): Borrower was in process of purchasing new primary located at [redacted] at the time of closing this subject transaction. Purchase of [redacted] took place after subject closing, as funds from the subject transaction were used toward funds to close for purchase. Subject transaction was incorrectly using former rent payment in DTI. Rent has been removed from DTI, as there are less than [redacted] payments remaining, per guidelines, and borrower intended to occupy [redacted] as primary once that transaction closed later in [redacted]. Borrower is now being qualified with full PITIA payment from primary at [redacted]. Updated 1003, 1008, and final CD to confirm PITIA from [redacted] are attached. Please review and clear all exceptions. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 42 |  |  | 29978358 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The file is missing evidence of the Purchase of [redacted]. Missing the Mortgage Statement, Tax Verification and Insurance Verification, causing the DTI to increase. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-19): Borrower was in process of purchasing new primary located at [redacted] at the time of closing this subject transaction. Purchase of [redacted] took place after subject closing, as funds from the subject transaction were used toward funds to close for purchase. Subject transaction was incorrectly using former rent payment in DTI. Rent has been removed from DTI, as there are less than [redacted] payments remaining, per guidelines, and borrower intended to occupy [redacted]as primary once that transaction closed later in [redacted]. Borrower is now being qualified with full PITIA payment from primary at [redacted]. Updated 1003, 1008, and final CD to confirm PITIA from [redacted]are attached. Please review and clear all exceptions. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 42 |  |  | 35655093 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 43 |  |  | 29954260 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 43 |  |  | 29954306 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Please see [redacted] QM Summary which reflects designation of Non-QM, [redacted] should be testing to this as well. Thank you | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 43 |  |  | 29954307 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Please see [redacted] QM Summary which reflects designation of Non-QM, [redacted] should be testing to this as well. Thank you | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 43 |  |  | 35655125 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 44 |  |  | 29951396 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 44 |  |  | 29951430 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Please include the appraisal management fee in the prepaid finance charges. With this included, the APR and QM Points and fees are corrected. Please review to clear this condition. Attached is the appraisal invoice breaking out the AMC fee. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 44 |  |  | 29951431 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Please include the appraisal management fee in the prepaid finance charges. With this included, the APR and QM Points and fees are corrected. Please review to clear this condition. Attached is the appraisal invoice breaking out the AMC fee. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 44 |  |  | 35655126 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 45 |  |  | 29969402 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 45 |  |  | 35655127 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 46 |  |  | 29955594 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 46 |  |  | 29955620 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 C | B C | C | B C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 46 |  |  | 29955621 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] days prior to consummation. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 C | B C | C | B C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 46 |  |  | 29955622 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. |  |  |  |  |  | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 46 |  |  | 29955623 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. |  |  |  |  |  | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 46 |  |  | 29978862 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  | 02/16/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 46 |  |  | 35655144 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 47 |  |  | 29951465 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 47 |  |  | 29951486 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 47 |  |  | 29951487 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 47 |  |  | 35655094 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 48 |  |  | 29952382 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 48 |  |  | 35655128 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 49 |  |  | 29954578 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 49 |  |  | 35655095 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 50 |  |  | 29955465 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 50 |  |  | 29955518 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Most recent QM Findings in loan file, page [redacted], show the lender designation is Non-QM, dated [redacted]Please cancel exceptions. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 50 |  |  | 29955519 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Most recent QM Findings in loan file, page [redacted], show the lender designation is Non-QM, dated [redacted]. Please cancel exceptions.<br>Seller Comment (2024-02-16): Most recent QM Findings in loan file, page [redacted], show the lender designation is Non-QM, dated [redacted] Please cancel exceptions. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 50 |  |  | 35655146 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 51 |  |  | 29969719 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 51 |  |  | 35655096 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 52 |  |  | 29969358 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  | use for borrower qualification calculation |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 52 |  |  | 35655129 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 53 |  |  | 29958368 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 53 |  |  | 29958384 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 53 |  |  | 29958385 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Retested to Non QM. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 53 |  |  | 35655097 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 54 |  |  | 29958834 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Re test to Non QM | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 54 |  |  | 29958835 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Re test to Non QM | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 54 |  |  | 29958841 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 54 |  |  | 35655098 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 55 |  |  | 29960232 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 55 |  |  | 29960369 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | APR exceeds allowable tolerance, client can request to re-state loan designation to Non QM. |  |  |  | Reviewer Comment (2024-02-22): After further review, exception cleared.<br>Seller Comment (2024-02-21): Please be advised [redacted] QM designation will remain Non-QM. | 02/22/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 55 |  |  | 29960370 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | APR exceeds allowable tolerance, client can request to re-state loan designation to Non QM. |  |  |  | Reviewer Comment (2024-02-22): After further review, exception cleared.<br>Seller Comment (2024-02-21): Please be advised [redacted] QM designation will remain Non-QM. | 02/22/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 55 |  |  | 35655162 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 56 |  |  | 29958178 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 56 |  |  | 29958226 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Unclear where the Originator Loan Designation states Safe Harbor. This loan was closed non-QM. Originator designation matches DD designation as Non-QM. Please clarify exception. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 56 |  |  | 29958227 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): Unclear where the Originator Loan Designation states Safe Harbor. This loan was closed non-QM. Originator designation matches DD designation as Non-QM. Please clarify exception. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 56 |  |  | 35655130 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 57 |  |  | 29957998 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 57 |  |  | 35655164 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 58 |  |  | 29952332 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 58 |  |  | 29979082 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted], missing evidence of receipt. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-16): Please see attached | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 58 |  |  | 29979087 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of [redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-16): please see attached | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 58 |  |  | 29979088 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): [redacted]has designation of ATR Non-QM, [redacted] should be testing to this as well. Thank you | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 58 |  |  | 29979089 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): [redacted]has designation of ATR Non-QM, [redacted] should be testing to this as well. Thank you | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 58 |  |  | 35655166 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 59 |  |  | 29954236 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 59 |  |  | 35655131 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 60 |  |  | 29954139 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 60 |  |  | 35655099 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 61 |  |  | 29958197 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 61 |  |  | 35655132 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 62 |  |  | 29958373 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in [redacted]. Provide a post-disaster inspection verifying there was no damage from Severe Storms and Tornadoes. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] (declared end date). |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-19): Please see the attached disaster inspection | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 62 |  |  | 29958375 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 62 |  |  | 35655133 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 63 |  |  | 29970209 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | Missing first lien note or mortgage statement verifying principal and interest payment. |  |  |  | Reviewer Comment (2024-02-19): Provided and cleared.<br>Seller Comment (2024-02-15): Please see attached[redacted] lien mortgage statement. | 02/19/2024 |  |  | 1 D | A D | D | A D |  | TN | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 63 |  |  | 29970236 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 63 |  |  | 29980197 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Although the new lender is the prior originating lender of the existing 1st lien, no mortgages are paid off through closing. Notice of Right to Cancel form H-8 is required. |  |  |  | Reviewer Comment (2024-02-16): Acceptable for[redacted]liens | 02/16/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 63 |  |  | 35655100 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 64 |  |  | 29969222 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 64 |  |  | 35655101 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 65 |  |  | 29969204 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 65 |  |  | 29969246 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. |  |  |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-19): Guidelines require to document employers in the previous[redacted] years. This was the borrower's only employer and all documentation was provided. Income is acceptable as well as the required work history. Please review to clear this condition. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 65 |  |  | 35655134 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 66 |  |  | 29969322 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 66 |  |  | 35655103 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 67 |  |  | 29969279 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 67 |  |  | 29969289 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Missing HOI declaration showing [redacted] as mortgagee. |  |  |  | Reviewer Comment (2024-02-16): Cleared with clarification NA per [redacted]lien guides<br>Seller Comment (2024-02-16): Lender guidelines for this product do not require HOI mortgagee clause to be in [redacted]Mortgage's name. Please cancel this exception. | 02/16/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 67 |  |  | 35655104 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 68 |  |  | 29969251 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2024-07-16): Fraudguard provided, cleared. | 07/16/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 68 |  |  | 29969331 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The Subject property is located in a FEMA Disaster area . A post-Disaster inspection verifying there was no damage to the subject property required |  |  |  | Reviewer Comment (2024-07-19): PDI provided, cleared.<br>Reviewer Comment (2024-02-20): Will discuss with [redacted]<br>Seller Comment (2024-02-16): Our full appraisal was completed on the incident start date of[redacted] and a final inspection was completed on [redacted], our guidelines do not require a disaster inspection in this case as our other reports are sufficient evidence to document no damage. | 07/19/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 68 |  |  | 29969332 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 68 |  |  | 29979607 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  | Reviewer Comment (2024-02-16): Acceptable for[redacted] liens | 02/16/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 68 |  |  | 35655135 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 69 |  |  | 29969371 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 69 |  |  | 29969376 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Loan is non-compliant HPML due to missing evidence of appraisal delivery [redacted] days prior to closing. |  |  |  | Reviewer Comment (2024-02-22): Provided and cleared.<br>Seller Comment (2024-02-21): please see attached | 02/22/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 69 |  |  | 29969378 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Non-compliant due to missing evidence of appraisal receipt. |  |  |  | Reviewer Comment (2024-02-22): Provided and cleared.<br>Seller Comment (2024-02-21): please see attached | 02/22/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 69 |  |  | 29969388 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Re test to Non QM | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 69 |  |  | 29969390 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per clients guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): Re test to Non QM | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 69 |  |  | 35655167 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 70 |  |  | 29968217 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 70 |  |  | 29968223 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-19): Please see attached CPA letter and CPA verification. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 70 |  |  | 29968224 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied due to unable to verify current Sole Proprietorship status using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared. | 02/20/2024 |  |  | 1 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 70 |  |  | 29968225 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of ATR Fail due to unable to verify current Sole Proprietorship status using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared. | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 70 |  |  | 29968226 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]. | QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 70 |  |  | 29982043 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted] of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard Insurance Policy expires [redacted] of the Note Date [redacted]. |  |  |  | Reviewer Comment (2024-02-16): Cleared with clarification 2nd lien guides | 02/16/2024 |  |  | 1 B | A B | B | A B |  | TN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 70 |  |  | 35655136 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 71 |  |  | 29969476 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C D A B | Non QM | Non QM | No |
| (redacted) | 71 |  |  | 29969495 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. |  |  |  |  |  | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C D B | Non QM | Non QM | Yes |
| (redacted) | 71 |  |  | 29969496 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. |  |  |  |  |  | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C D A B | Non QM | Non QM | No |
| (redacted) | 71 |  |  | 29979112 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B | B |  | TN | Primary | Refinance - Cash-out - Other | C D A B | Non QM | Non QM | No |
| (redacted) | 71 |  |  | 35653613 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . XXXX |  |  |  |  |  | Reviewer Comment (2026-01-28): waived |  |  | 01/28/2026 | 3 | D A |  | D |  | TN | Primary | Refinance - Cash-out - Other | C D A B | Non QM | Non QM | No |
| (redacted) | 71 |  |  | 35653625 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C D A B | Non QM | Non QM | No |
| (redacted) | 72 |  |  | 29969263 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 72 |  |  | 35655137 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 |  |  | 29969454 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 |  |  | 29969478 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Missing Third Party Verification dated within [redacted]business days of the Note |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-16): Please see the attached 1099 and Operator services and lease agreement from [redacted] to confirm Third Party Verification obtained within [redacted] business days of the Note | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 |  |  | 29969479 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Missing Third Party Verification dated within [redacted]business days of the Note |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-16): Please see the attached 1099 and Operator services and lease agreement from [redacted] to confirm Third Party Verification obtained within [redacted] business days of the Note | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 |  |  | 29969480 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing Third Party Verification dated within [redacted]business days of the Note |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-16): Please see the attached 1099 and Operator services and lease agreement from [redacted] to confirm Third Party Verification obtained within [redacted] business days of the Note | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 |  |  | 29969487 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | [redacted]due to Missing Third Party Verification dated within [redacted]business days of the Note |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-16): Please see the attached 1099 and Operator services and lease agreement from [redacted] to confirm Third Party Verification obtained within [redacted] business days of the Note | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 73 |  |  | 29969488 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | [redacted]due to Missing Third Party Verification dated within [redacted]business days of the Note |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-16): Please see the attached 1099 and Operator services and lease agreement from [redacted] to confirm Third Party Verification obtained within [redacted] business days of the Note | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 |  |  | 29969492 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | [redacted]due to Missing Third Party Verification dated within [redacted]business days of the Note |  |  |  | Reviewer Comment (2024-02-20): Provided and cleared.<br>Seller Comment (2024-02-16): Please see the attached 1099 and Operator services and lease agreement from [redacted] to confirm Third Party Verification obtained within [redacted] business days of the Note | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 |  |  | 30023574 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date[redacted] Most Recent Tax Return End Date [redacted], Tax Return Due Date[redacted] | Informational level [redacted]exception, most recent returns in file for year [redacted]. |  |  |  | Reviewer Comment (2024-02-20): Waiving as EV2. |  |  | 02/20/2024 | 2 | B |  | B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 |  |  | 35655138 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 74 |  |  | 29969609 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 74 |  |  | 35655139 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 75 |  |  | 29958299 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 75 |  |  | 35655140 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 76 |  |  | 29969291 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 76 |  |  | 35655105 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 77 |  |  | 29969248 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 77 |  |  | 35655107 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 78 |  |  | 29969515 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 78 |  |  | 29979802 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. |  | $[redacted]is less than [redacted]matrix) Please advise if this loan was UW to [redacted]guides. We are using application date as determining factor of guides. Application is prior to guideline date. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-19): Minimum loan limit for this product is [redacted] per lender guidelines, not [redacted] . Exception invalid. Please cancel. | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 78 |  |  | 35655141 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 79 |  |  | 29969277 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 79 |  |  | 29969295 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): [redacted] has designation of ATR Non-QM, [redacted] should test the loan as such. Thank you | 02/20/2024 |  |  | 1 B | A C | B | A C B |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 79 |  |  | 29969296 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted] | Per client guidance we tested to QM Safe Harbor APOR. QM Fee worksheet in file reflects Non-QM. Please advise if you would like to re state to Non QM for testing. |  |  |  | Reviewer Comment (2024-02-20): After further review, exception cleared.<br>Seller Comment (2024-02-16): [redacted] has designation of ATR Non-QM, [redacted] should test the loan as such. Thank you | 02/20/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 79 |  |  | 35655142 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 80 |  |  | 29969415 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 80 |  |  | 35655143 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 81 |  |  | 29969227 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 81 |  |  | 35655108 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 82 |  |  | 29969233 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 82 |  |  | 35655109 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 83 |  |  | 29969438 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| (redacted) | 83 |  |  | 29969446 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  |  |  |  |  | 3 B | B C | B | B C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | QM (APOR) Fail | Yes |
| (redacted) | 83 |  |  | 29983732 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  |  |  |  |  |  | 02/20/2024 |  |  | 1 C | A C | C | A C |  | GA | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| (redacted) | 83 |  |  | 29990911 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Temporary Leave | General QM: Insufficient evidence that borrower has right to return to employment following temporary leave. |  |  |  |  |  |  |  |  | 3 C | C | C | C |  | GA | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| (redacted) | 83 |  |  | 35654900 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waived |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | GA | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| (redacted) | 84 |  |  | 30307751 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | OR | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 84 |  |  | 30320305 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waived |  |  | 01/28/2026 | 2 B | B | B | B |  | OR | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 84 |  |  | 35655895 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waived |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | OR | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 85 |  |  | 30308496 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 85 |  |  | 30320319 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | TN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 85 |  |  | 35655931 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 86 |  |  | 30307716 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 86 |  |  | 30307718 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. XXXX |  |  |  |  |  | Reviewer Comment (2026-01-28): waive<br>Reviewer Comment (2026-01-28): reopen |  |  | 01/28/2026 | 3 D | N/A | N/A | N/A D |  | TN | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 86 |  |  | 30320385 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | TN | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 87 |  |  | 30308024 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 87 |  |  | 30313889 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  | 04/23/2024 |  |  | 1 C | A C | C | A C |  | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 87 |  |  | 30320524 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 87 |  |  | 35655932 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 88 |  |  | 30309238 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 88 |  |  | 30309262 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted] Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 C | B C | C | B C |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 88 |  |  | 30309263 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 C | B C | C | B C |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 88 |  |  | 30320562 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 88 |  |  | 35655933 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 89 |  |  | 30308939 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 89 |  |  | 30308941 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. XXXX |  |  |  |  |  |  | 01/08/2026 |  |  | 1 D | A | N/A | A D |  | TN | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 89 |  |  | 30320601 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | TN | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 89 |  |  | 35653684 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): Waived |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 90 |  |  | 30308549 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 05/13/2024 |  |  | 1 C | A C | C | A C |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 90 |  |  | 30308553 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 90 |  |  | 30320694 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 90 |  |  | 35655946 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 91 |  |  | 30308080 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 91 |  |  | 30320749 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | PA | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 91 |  |  | 35655934 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | PA | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 92 |  |  | 30307396 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 92 |  |  | 30320803 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | VA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 92 |  |  | 35655935 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | VA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 93 |  |  | 30306329 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | UT | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 93 |  |  | 35655969 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waived |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | UT | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 94 |  |  | 30306983 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 94 |  |  | 30321076 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | VA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 94 |  |  | 35655936 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | VA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 95 |  |  | 30308514 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 95 |  |  | 30308523 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  |  | 04/12/2024 |  |  | 1 C | A C | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 95 |  |  | 30308662 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 04/12/2024 |  |  | 1 C | A C | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 95 |  |  | 30321319 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 95 |  |  | 30322382 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  |  |  | 04/12/2024 |  |  | 1 B | A C | B | A C B |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 95 |  |  | 30322383 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  |  | 04/12/2024 |  |  | 1 C | A C | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 95 |  |  | 30322384 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 04/12/2024 |  |  | 1 C | A C | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 95 |  |  | 35655937 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 96 |  |  | 30308459 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 96 |  |  | 30321373 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | PA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 96 |  |  | 35655938 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | PA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 97 |  |  | 30306523 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 97 |  |  | 30321449 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | GA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 97 |  |  | 35655939 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | GA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 98 |  |  | 30307039 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | IN | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 98 |  |  | 30321492 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | IN | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 98 |  |  | 35655947 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | IN | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 99 |  |  | 30309713 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 99 |  |  | 30309801 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  |  | 04/29/2024 |  |  | 1 C | A C | C | A C |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 99 |  |  | 30321498 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 99 |  |  | 30323854 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  |  | 04/29/2024 |  |  | 1 C | A C | C | A C |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 99 |  |  | 35655948 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 100 |  |  | 30321624 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waived |  |  | 01/28/2026 | 2 B | B | B | B |  | GA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 101 |  |  | 30321738 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  | Reviewer Comment (2026-01-28): waived |  |  | 01/28/2026 | 2 B | B | B | B |  | OK | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 102 |  |  | 31533659 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 102 |  |  | 31533813 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted] Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 102 |  |  | 31533815 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 102 |  |  | 35655949 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 103 |  |  | 31518591 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | D A B | Non QM | Non QM | No |
| (redacted) | 103 |  |  | 31518592 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . XXXX |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived<br>Reviewer Comment (2026-01-28): reopen to waive<br>Reviewer Comment (2024-09-05): Client elected to override this exception. If loan is sold to rating agency that requires for securitization, exception will need to be re opened. |  |  | 01/28/2026 | 3 D | D A | D | D |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | D A B | Non QM | Non QM | No |
| (redacted) | 103 |  |  | 31555121 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-01-28): Waived |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | D A B | Non QM | Non QM | No |
| (redacted) | 103 |  |  | 31555122 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-01-28): Waived |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | D A B | Non QM | Non QM | No |
| (redacted) | 103 |  |  | 35653546 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | D A B | Non QM | Non QM | No |
| (redacted) | 104 |  |  | 31519567 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 104 |  |  | 35655983 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 105 |  |  | 31566069 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 105 |  |  | 35656137 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 106 |  |  | 31504661 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 106 |  |  | 31522072 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2024-09-05): Provided and cleared.<br>Seller Comment (2024-09-05): Please see attached. In[redacted] we allowed for up to [redacted]% CLTV. Please review. | 09/05/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 106 |  |  | 31522073 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2024-09-05): Provided and cleared.<br>Seller Comment (2024-09-05): Please see attached. In[redacted] we allowed for up to [redacted]% CLTV. Please review. | 09/05/2024 |  |  | 1 C | A C | C | A C |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 106 |  |  | 35656139 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 107 |  |  | 31504567 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 107 |  |  | 35656094 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 108 |  |  | 31566241 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waived<br>Reviewer Comment (2026-01-28): reopen<br>Reviewer Comment (2024-09-05): Client elected to override this exception. If loan is sold to rating agency that requires for securitization, exception will need to be re opened. |  |  | 01/28/2026 | 3 D | N/A | N/A | N/A D |  | MN | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 108 |  |  | 31566242 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 109 |  |  | 31566509 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 109 |  |  | 35655985 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 110 |  |  | 31518176 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  | A limited review was performed. |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 110 |  |  | 35656095 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 111 |  |  | 31567404 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 111 |  |  | 35656096 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 112 |  |  | 31504630 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 112 |  |  | 35656097 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 113 |  |  | 31505022 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 113 |  |  | 35656098 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 114 |  |  | 31516561 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 114 |  |  | 35655986 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 115 |  |  | 31566804 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 115 |  |  | 35655987 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 116 |  |  | 31504544 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 116 |  |  | 35656140 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 117 |  |  | 31516467 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | TN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 117 |  |  | 31516468 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | TN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 117 |  |  | 31516484 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 117 |  |  | 35655940 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 118 |  |  | 31518288 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 118 |  |  | 35655988 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 119 |  |  | 31555628 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 119 |  |  | 31556008 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2024-09-05): Provided and cleared.<br>Seller Comment (2024-09-05): Please see the attached copy of the flood cert. | 09/05/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 119 |  |  | 35656141 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 120 |  |  | 31566318 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 120 |  |  | 31566355 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | Title search/property history report does not document previous liens/transactions. |  |  |  | Reviewer Comment (2024-09-14): LOE, new RTC, and shipping label received to cure.<br>Seller Comment (2024-09-13): Please see attached, H9 with LOE, and tracking information. ROR period now int he past. |  | 09/14/2024 |  | 2 C | B C | C | B C |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 120 |  |  | 35655989 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 121 |  |  | 31566298 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 121 |  |  | 35655990 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 122 |  |  | 31566342 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 122 |  |  | 31566343 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 122 |  |  | 31566373 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 09/11/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 122 |  |  | 31566376 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 09/11/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 122 |  |  | 31566392 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 122 |  |  | 31566405 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  |  |  | 09/11/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 122 |  |  | 31581813 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  | 09/11/2024 |  |  | 1 B | A C | B | A C B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 122 |  |  | 35655941 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 123 |  |  | 31566365 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 123 |  |  | 35655991 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 124 |  |  | 31566296 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 124 |  |  | 35656099 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 125 |  |  | 31562440 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 125 |  |  | 35655992 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 126 |  |  | 31518714 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 126 |  |  | 35655993 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 127 |  |  | 31566391 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 127 |  |  | 35656142 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 128 |  |  | 31567671 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 128 |  |  | 35655994 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 129 |  |  | 31517951 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 129 |  |  | 35656100 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 130 |  |  | 31555246 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 130 |  |  | 35655995 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 131 |  |  | 31555264 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 131 |  |  | 35656101 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 132 |  |  | 31555236 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 132 |  |  | 35655996 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 133 |  |  | 31555251 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 133 |  |  | 35655997 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 134 |  |  | 31566472 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 134 |  |  | 35655998 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 135 |  |  | 31518660 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 135 |  |  | 35656102 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 136 |  |  | 31567050 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | A | Non QM | Non QM | No |
| (redacted) | 136 |  |  | 35655999 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | A | Non QM | Non QM | No |
| (redacted) | 137 |  |  | 31555397 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 137 |  |  | 31555434 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen is not provided. |  |  |  | Reviewer Comment (2024-09-05): Provided and cleared.<br>Seller Comment (2024-09-05): Please see attached, [redacted] form to verify Non-US Citizen. | 09/05/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 137 |  |  | 35656143 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 138 |  |  | 31566775 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 138 |  |  | 35656000 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 139 |  |  | 31567958 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 139 |  |  | 35656001 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 140 |  |  | 31567885 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 140 |  |  | 35656002 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 141 |  |  | 31517860 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 141 |  |  | 35656144 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 142 |  |  | 31566651 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 142 |  |  | 35656103 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 143 |  |  | 31567447 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 143 |  |  | 35656104 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 144 |  |  | 31566410 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 144 |  |  | 35656003 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 145 |  |  | 31566339 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 145 |  |  | 35656004 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 146 |  |  | 31566527 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 146 |  |  | 35656005 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 147 |  |  | 31555253 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 147 |  |  | 35656006 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 148 |  |  | 31566585 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 148 |  |  | 35656105 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 149 |  |  | 31566837 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 149 |  |  | 35656007 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 150 |  |  | 31566524 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 150 |  |  | 35656008 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 151 |  |  | 31518760 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 151 |  |  | 35656009 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 152 |  |  | 31563499 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 152 |  |  | 31563507 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | The loan is to be securitized and the appraisal certification was not included in the provided valuation. Securitization valuations are required to be FIRREA/USPAP compliant. |  | Appraiser's Certification is not provided |  |  |  | Reviewer Comment (2024-09-10): Provided and cleared.<br>Seller Comment (2024-09-10): Please see attached cert. | 09/10/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 152 |  |  | 31563511 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraiser's Certification is not in file |  |  |  | Reviewer Comment (2024-09-10): Provided and cleared. | 09/10/2024 |  |  | 1 B | A B | B | A B |  | MN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 152 |  |  | 35656010 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 153 |  |  | 31567130 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 153 |  |  | 35656011 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 154 |  |  | 31575259 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 154 |  |  | 35656012 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 155 |  |  | 31562896 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 155 |  |  | 35656013 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 156 |  |  | 31567062 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 156 |  |  | 35656014 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 157 |  |  | 31574950 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 157 |  |  | 35656015 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 158 |  |  | 31519948 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 158 |  |  | 35656106 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 159 |  |  | 31555579 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 159 |  |  | 35656016 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 160 |  |  | 31562595 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 160 |  |  | 35656017 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | TN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 161 |  |  | 31555551 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 161 |  |  | 35656018 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 162 |  |  | 31535345 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 162 |  |  | 35656019 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 163 |  |  | 31571170 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  |  |  |  |  | Reviewer Comment (2024-09-05): Provided and cleared.<br>Seller Comment (2024-09-05): Please see the attached prior HOI policy. | 09/05/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 163 |  |  | 31571173 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 163 |  |  | 35656138 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 164 |  |  | 31571442 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 164 |  |  | 35656020 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 165 |  |  | 31555454 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 165 |  |  | 35656021 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 166 |  |  | 31555219 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 166 |  |  | 35656022 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 167 |  |  | 31566678 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 167 |  |  | 35656023 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 168 |  |  | 31566680 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 168 |  |  | 35656024 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 169 |  |  | 31535015 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 169 |  |  | 35656107 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 170 |  |  | 31533900 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 170 |  |  | 35656025 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 171 |  |  | 31555282 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 171 |  |  | 35656026 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 172 |  |  | 31555527 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 172 |  |  | 35656027 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 173 |  |  | 31566720 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 173 |  |  | 35656028 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 174 |  |  | 31534108 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 174 |  |  | 35656029 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 175 |  |  | 31566703 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 175 |  |  | 35656030 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 176 |  |  | 31566721 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 176 |  |  | 31566724 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | The loan is to be securitized and the appraisal certification was not included in the provided valuation. Securitization valuations are required to be FIRREA/USPAP compliant. |  | The Appraiser's Certificate/License is not available in the file. |  |  |  | Reviewer Comment (2024-09-11): Provided and cleared.<br>Seller Comment (2024-09-11): Please see the attached for the appraisers license. | 09/11/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 176 |  |  | 35656031 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 177 |  |  | 31569954 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 177 |  |  | 35656108 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 178 |  |  | 31567821 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 178 |  |  | 35656145 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 179 |  |  | 31567219 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 179 |  |  | 35656032 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 180 |  |  | 31563324 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 180 |  |  | 31563325 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waived<br>Reviewer Comment (2026-01-28): reopen<br>Reviewer Comment (2024-09-05): Client elected to override this exception. If loan is sold to rating agency that requires for securitization, exception will need to be re opened. |  |  | 01/28/2026 | 3 D | N/A | N/A | N/A D |  | MN | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 181 |  |  | 31569839 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 181 |  |  | 35656033 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 182 |  |  | 31567611 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 182 |  |  | 35656034 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 183 |  |  | 31567717 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 183 |  |  | 35656109 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 184 |  |  | 31569838 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 184 |  |  | 35656035 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 185 |  |  | 31575048 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 185 |  |  | 35656110 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 186 |  |  | 31534874 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-09-05): Provided and cleared.<br>Seller Comment (2024-09-05): Please see the attached disaster inspection showing no damage. | 09/05/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 186 |  |  | 31534876 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 186 |  |  | 35656036 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 187 |  |  | 31569164 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 187 |  |  | 35656111 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 188 |  |  | 31570690 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 188 |  |  | 35656037 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 189 |  |  | 31575506 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 189 |  |  | 35656038 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 190 |  |  | 31569496 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  | Reviewer Comment (2024-09-11): LOE, re-opened RTC, and proof of delivery provided to cure.<br>Seller Comment (2024-09-11): Please see the attached ROR package. ROR period ended on [redacted]. |  | 09/11/2024 |  | 2 C | B C | C | B C |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 190 |  |  | 31571517 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 190 |  |  | 35656112 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 191 |  |  | 31569868 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Non-compliant due to no evidence borrower received appraisal[redacted] days prior to close. |  |  |  | Reviewer Comment (2024-09-06): Provided and cleared.<br>Seller Comment (2024-09-06): Please see attached | 09/06/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 191 |  |  | 31569869 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted]business days prior to consummation. | Evidence of earlier receipt missing from file. |  |  |  | Reviewer Comment (2024-09-06): Provided and cleared.<br>Seller Comment (2024-09-06): Please see attached | 09/06/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 191 |  |  | 31570269 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 191 |  |  | 35656146 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 192 |  |  | 31570177 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 192 |  |  | 35656113 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 193 |  |  | 31567956 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 193 |  |  | 35656039 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 194 |  |  | 31566029 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 194 |  |  | 35656114 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 195 |  |  | 31569713 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 195 |  |  | 35656115 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 196 |  |  | 31570271 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 196 |  |  | 35656040 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 197 |  |  | 31567319 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 197 |  |  | 35656041 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 198 |  |  | 31568113 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 198 |  |  | 35656042 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 199 |  |  | 31568578 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 199 |  |  | 35656043 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 200 |  |  | 31569771 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 200 |  |  | 31570174 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made "subject to" and [redacted]is not in images. |  |  |  | Reviewer Comment (2024-09-05): Provided and cleared.<br>Seller Comment (2024-09-05): Please see the attached inspection as a follow up to the subject-to appraisal. | 09/05/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 200 |  |  | 35656116 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 201 |  |  | 31575028 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 201 |  |  | 31575034 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-[redacted]form was used, the H-[redacted]form should have been used. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 201 |  |  | 35655950 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 202 |  |  | 31555467 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 202 |  |  | 35656147 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 203 |  |  | 31561846 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 203 |  |  | 35656044 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 204 |  |  | 31570128 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 204 |  |  | 35656045 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 205 |  |  | 31563240 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 205 |  |  | 35656046 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 206 |  |  | 31570141 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 206 |  |  | 35656047 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 207 |  |  | 31534913 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 207 |  |  | 35656117 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 208 |  |  | 31575083 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 208 |  |  | 35656048 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 209 |  |  | 31575000 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 209 |  |  | 35656148 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 210 |  |  | 31535234 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 210 |  |  | 35656049 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 211 |  |  | 31574980 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 211 |  |  | 35656118 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 212 |  |  | 31566051 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
| (redacted) | 212 |  |  | 31566053 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . XXXX |  |  |  |  |  | Reviewer Comment (2026-01-28): waived<br>Reviewer Comment (2026-01-28): reopen<br>Reviewer Comment (2024-09-05): Client elected to override this exception. If loan is sold to rating agency that requires for securitization, exception will need to be re opened. |  |  | 01/28/2026 | 3 D | D A | D | D |  | MN | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
| (redacted) | 212 |  |  | 31566067 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-[redacted] form was used, the H-[redacted] form should have been used. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| (redacted) | 212 |  |  | 35653571 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waived |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
| (redacted) | 213 |  |  | 31555718 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 213 |  |  | 35656050 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 214 |  |  | 31568886 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 214 |  |  | 35656051 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 215 |  |  | 31576017 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 215 |  |  | 31576049 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. |  | HCLTV exceeds max [redacted]allowed due to balance on the first mortgage. |  |  |  | Reviewer Comment (2024-09-06): After further review, exception cleared.<br>Seller Comment (2024-09-06): Please see the final signed closing disclosure reflecting a paydown amount for the [redacted]lien of $[redacted] | 09/06/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 215 |  |  | 31576050 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | CLTV exceeds max [redacted]% allowed due to balance on the first mortgage. |  |  |  | Reviewer Comment (2024-09-06): After further review, exception cleared.<br>Seller Comment (2024-09-06): Please see the final signed closing disclosure reflecting a paydown amount for the [redacted]lien of $[redacted] | 09/06/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 215 |  |  | 35656052 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 216 |  |  | 31570401 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 216 |  |  | 35656157 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided from current transaction. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 217 |  |  | 31566102 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 217 |  |  | 35656119 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 218 |  |  | 31569857 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 218 |  |  | 35656053 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 219 |  |  | 31575378 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 219 |  |  | 35656054 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 220 |  |  | 31567775 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 220 |  |  | 35656055 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 221 |  |  | 31575024 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 221 |  |  | 31575067 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 221 |  |  | 35655951 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 222 |  |  | 31570861 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 222 |  |  | 35656120 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 223 |  |  | 31576068 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 223 |  |  | 35656056 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 224 |  |  | 31555196 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 224 |  |  | 31555449 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 224 |  |  | 35655942 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 225 |  |  | 31568389 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 225 |  |  | 35656121 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 226 |  |  | 31570475 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 226 |  |  | 35656057 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 227 |  |  | 31566024 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 227 |  |  | 35656149 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 228 |  |  | 31571165 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 228 |  |  | 35656058 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 229 |  |  | 31534918 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 229 |  |  | 35656059 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 230 |  |  | 31518445 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide updated Hazard Insurance with sufficient coverage amount . Please verify insurance coverage amount or provide updated estimated cost new. |  |  |  | Reviewer Comment (2024-09-06): After further review, exception cleared.<br>Seller Comment (2024-09-06): As part of the Closed end second product, we do not verify the insurance coverage amount. While in process, we verify there is HOI coverage, but the not the coverage amount, per our policy. Please cancel this exception. | 09/06/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 230 |  |  | 31518456 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide insurance & taxes for property [redacted] |  |  |  | Reviewer Comment (2024-09-06): Provided and cleared.<br>Seller Comment (2024-09-06): Please see attached, Mortgage statement for the referenced property. It confirms the total for taxes and insurance as $[redacted] | 09/06/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 230 |  |  | 31518477 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 230 |  |  | 35656060 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 231 |  |  | 31562601 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 231 |  |  | 35656122 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 232 |  |  | 31534366 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 232 |  |  | 31534489 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. |  | Calculated high loan to value percentage of [redacted]% exceeds Guideline high loan to value percentage of [redacted]% |  |  |  | Reviewer Comment (2024-09-10): Provided and cleared.<br>Seller Comment (2024-09-10): LTV is calculated using subject loan amount $[redacted]+ First lien balance $[redacted]/$[redacted]=[redacted]%. The guidelines attached are from [redacted]and are applicable to this loan closed in [redacted]. At the time of origination, the Max LTV was [redacted]%. | 09/10/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 232 |  |  | 31534491 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Calculated combined loan to value percentage of [redacted]% exceeds Guideline combined loan to value percentage of [redacted]%. |  |  |  | Reviewer Comment (2024-09-12): Provided and cleared.<br>Seller Comment (2024-09-12): Please see attached.<br>Reviewer Comment (2024-09-12): Please provide evidence 1st lien balance is $[redacted]. We see the [redacted]Mortgage statement reflecting $[redacted].<br>Reviewer Comment (2024-09-12): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Calculated combined loan to value percentage of [redacted]% exceeds Guideline combined loan to value percentage of [redacted]%.<br>Seller Comment (2024-09-12): LTV is calculated using subject loan amount $[redacted]+ First lien balance $[redacted]/$[redacted]=[redacted]%. The guidelines attached are from[redacted] and are applicable to this loan closed in [redacted]. At the time of origination, the Max LTV was [redacted]%. | 09/12/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 232 |  |  | 35656061 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 233 |  |  | 31562615 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 233 |  |  | 35656150 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 234 |  |  | 31570348 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 234 |  |  | 35656062 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 235 |  |  | 31518070 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 235 |  |  | 35656063 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 236 |  |  | 31516633 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 236 |  |  | 35656064 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 237 |  |  | 31575402 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 237 |  |  | 35656065 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 238 |  |  | 31516883 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  | A limited review was performed. |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 238 |  |  | 31523909 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. |  | Calculated high loan to value percentage of [redacted]% exceeds Guideline high loan to value percentage of [redacted]% maximum for borrower with a FICO of [redacted]. Approved document indicates loan was approved at [redacted]% with FICO [redacted], however no approved lender exception document provided. |  |  |  | Reviewer Comment (2024-09-05): Provided and cleared.<br>Seller Comment (2024-09-05): Please see attached, our guidelines in [redacted]allowed for CLTV of [redacted]% and a fico score of [redacted]. | 09/05/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 238 |  |  | 31523910 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Calculated high loan to value percentage of [redacted]% exceeds Guideline high loan to value percentage of [redacted]% maximum for borrower with a FICO of [redacted]. Approved document indicates loan was approved at [redacted]% with FICO [redacted], however no approved lender exception document provided. |  |  |  | Reviewer Comment (2024-09-05): Provided and cleared.<br>Seller Comment (2024-09-05): Please see attached, our guidelines in [redacted]allowed for CLTV of [redacted]% and a fico score of [redacted]. | 09/05/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 238 |  |  | 35656151 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 239 |  |  | 31517344 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  | The rating agencies must specifically approve the client for this reduced scope. |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 239 |  |  | 31517457 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted][redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2024-09-10): After further review exception cleared<br>Seller Comment (2024-09-10): Please include the $[redacted][redacted]fee in the APR calculation to remedy the variance in APR. Appraisal invoice is located on page [redacted]/[redacted]of the loan images.<br>Reviewer Comment (2024-09-09): [redacted] has been used for last date rate set. APR exceeds max allowed for QM. We can re test the loan to Non QM if client gives us that direction.<br>Seller Comment (2024-09-06): Please confirm [redacted]is using a rate set date of [redacted] Per the attached screenshot, the rate lock was extended on [redacted] | 09/10/2024 |  |  | 1 B | A C | B | A C B |  | MN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 239 |  |  | 31517458 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. |  |  |  | Reviewer Comment (2024-09-10): After further review exception cleared<br>Reviewer Comment (2024-09-10): EXCEPTION HISTORY - Exception Detail was updated on [redacted]PRIOR Exception Detail: Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%.<br>Seller Comment (2024-09-10): Please include the $[redacted]AMC fee in the APR calculation to remedy the variance in APR. Appraisal invoice is located on page [redacted]of the loan images.<br>Reviewer Comment (2024-09-09): [redacted] has been used for last date rate set. APR exceeds max allowed for QM. We can re test the loan to Non QM if client gives us that direction.<br>Seller Comment (2024-09-06): Please confirm[redacted] is using a rate set date of [redacted]. Per the attached screenshot, the rate lock was extended on [redacted]. | 09/10/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 239 |  |  | 35656066 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 240 |  |  | 31568383 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 240 |  |  | 31568406 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | Final CD issued [redacted] but ink-signed by borrower[redacted] |  |  |  | Reviewer Comment (2024-09-10): Provided and cleared.<br>Seller Comment (2024-09-10): The borrower did receive their CD on [redacted] but did not sign it due to need a non-material update to reflect taxes paid. An updated one was also provided the following day. The transaction date remains [redacted] and rescission timing period was correctly met. | 09/10/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 240 |  |  | 31568407 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final Closing Disclosure Received Date. Unable to determine compliance with rescission timing requirements. | Final CD issued [redacted]but ink-signed by borrower [redacted] |  |  |  | Reviewer Comment (2024-09-10): Provided and cleared.<br>Seller Comment (2024-09-10): The borrower did receive their CD on [redacted] but did not sign it due to need a non-material update to reflect taxes paid. An updated one was also provided the following day. The transaction date remains [redacted] and rescission timing period was correctly met. | 09/10/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 240 |  |  | 35656067 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 241 |  |  | 31568646 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 241 |  |  | 35656123 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 242 |  |  | 31567790 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 242 |  |  | 31567850 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 242 |  |  | 31567851 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted] [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 242 |  |  | 35655952 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 243 |  |  | 31518027 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 243 |  |  | 35656124 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 244 |  |  | 31517035 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 244 |  |  | 35656152 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 245 |  |  | 31517946 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 245 |  |  | 35656153 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 246 |  |  | 31504188 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 246 |  |  | 35656125 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 247 |  |  | 31517400 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 247 |  |  | 35656154 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 248 |  |  | 31504093 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 248 |  |  | 35656068 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 249 |  |  | 31555513 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 249 |  |  | 31555605 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted] [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2026-01-28): waived |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 249 |  |  | 35656069 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 250 |  |  | 31518440 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 250 |  |  | 35656070 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 251 |  |  | 31516898 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 251 |  |  | 31516961 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. |  | Calculated high loan to value percentage of [redacted]% exceeds Guideline high loan to value percentage of [redacted]% due to the balance of the senior lien. |  |  |  | Reviewer Comment (2024-09-06): After further review, exception cleared.<br>Seller Comment (2024-09-06): Please review Pg [redacted]of the final CD. The principal balance of the first lien was paid down. Please review to cancel this exception. | 09/06/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 251 |  |  | 31516962 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Calculated high loan to value percentage of [redacted]% exceeds Guideline high loan to value percentage of [redacted]% due to the balance of the senior lien. |  |  |  | Reviewer Comment (2024-09-06): After further review, exception cleared.<br>Seller Comment (2024-09-06): Please review Pg [redacted]of the final CD. The principal balance of the first lien was paid down. Please review to cancel this exception. | 09/06/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 251 |  |  | 31516975 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2024-09-09): Cleared<br>Reviewer Comment (2024-09-06): FTP received is not for subject transaction, post-dated.<br>Seller Comment (2024-09-06): Please see final policy as well as wrapper. | 09/09/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 251 |  |  | 35656071 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 252 |  |  | 31568938 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 252 |  |  | 31568987 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 252 |  |  | 31571983 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted][redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 252 |  |  | 35655953 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 253 |  |  | 31534839 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 253 |  |  | 31555647 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 253 |  |  | 31555649 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 253 |  |  | 35655954 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 254 |  |  | 31517544 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 254 |  |  | 31517555 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2024-09-09): Provided and cleared.<br>Seller Comment (2024-09-09): see attached, thank you | 09/09/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 254 |  |  | 35656126 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 255 |  |  | 31517272 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  | A limited review was performed. |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 255 |  |  | 35656127 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 256 |  |  | 31570309 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 256 |  |  | 31571597 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 256 |  |  | 35656072 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 257 |  |  | 31504593 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 257 |  |  | 35656073 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 258 |  |  | 31570060 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 258 |  |  | 35656155 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 259 |  |  | 31555186 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 259 |  |  | 35656128 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 260 |  |  | 31517927 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 260 |  |  | 35656074 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 261 |  |  | 31567285 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 261 |  |  | 35656075 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 262 |  |  | 31517074 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 262 |  |  | 35656129 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 263 |  |  | 31535225 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 263 |  |  | 35656156 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 264 |  |  | 31555123 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 264 |  |  | 35656076 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 265 |  |  | 31568813 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 265 |  |  | 35656130 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 266 |  |  | 31533795 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 266 |  |  | 35656131 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 267 |  |  | 31575837 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 267 |  |  | 35656077 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 268 |  |  | 31535127 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 268 |  |  | 35656078 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 269 |  |  | 31575852 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 269 |  |  | 35656158 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided from current transaction. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 270 |  |  | 31555231 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 270 |  |  | 35656079 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 271 |  |  | 31570338 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 271 |  |  | 35656132 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 272 |  |  | 31575586 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 272 |  |  | 35656133 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 273 |  |  | 31570412 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 273 |  |  | 35656080 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 274 |  |  | 31585094 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 274 |  |  | 35656081 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 275 |  |  | 31575507 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 275 |  |  | 35656082 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 276 |  |  | 31534294 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 276 |  |  | 35656083 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 277 |  |  | 31534972 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 277 |  |  | 35656084 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 278 |  |  | 31575712 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 278 |  |  | 31582078 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  |  |  |  |  | Reviewer Comment (2024-09-09): Cleared<br>Seller Comment (2024-09-09): Please see the attached internal screenshots confirming the verification of employment was re-verified on [redacted]. Due to a technology error a new Verification of Employment form did not print to the loan file; however, the verification was completed within the required timeframe prior to closing. | 09/09/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 278 |  |  | 35656085 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 279 |  |  | 31575568 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 279 |  |  | 35656086 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 280 |  |  | 31555383 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 280 |  |  | 35656087 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 281 |  |  | 31555396 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 281 |  |  | 35656088 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 282 |  |  | 31562718 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 282 |  |  | 35656089 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 283 |  |  | 31570689 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 283 |  |  | 35656134 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 284 |  |  | 31570117 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 284 |  |  | 35656090 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 285 |  |  | 31534165 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 285 |  |  | 35656091 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| (redacted) | 286 |  |  | 31569505 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  | A limited compliance review scope was performed on this loan. |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 286 |  |  | 35656092 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 287 |  |  | 31566044 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 287 |  |  | 31572936 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waived<br>Reviewer Comment (2026-01-28): reopen<br>Reviewer Comment (2024-09-05): Client elected to override this exception. If loan is sold to rating agency that requires for securitization, exception will need to be re opened. |  |  | 01/28/2026 | 3 D | N/A | N/A | N/A D |  | MN | Primary | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 288 |  |  | 31534957 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 288 |  |  | 35656135 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 289 |  |  | 31555522 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 289 |  |  | 35656136 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 290 |  |  | 31567228 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  | A limited compliance review scope was performed on this loan. |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 290 |  |  | 35656093 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 2 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 291 |  |  | 31570340 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2026-01-28): Waived, no impact on grading |  |  | 01/28/2026 | 3 A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 291 |  |  | 31570470 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Homeowner's Insurance Policy is Effective [redacted]. |  |  |  | Reviewer Comment (2024-09-09): Provided and cleared.<br>Seller Comment (2024-09-09): Please see attached, insurance information covering the note date. | 09/09/2024 |  |  | 1 C | A C | C | A C |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 291 |  |  | 35656159 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Missing secondary valuation. CU and LCA results are contradictory. Appraisal was provided from current transaction. XXXX | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-01-28): waive |  |  | 01/28/2026 | 3 | N/A |  | N/A |  | MN | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| |
|:---|
| ![](ex99-1sch3_001.jpg) |
| **Rating Agency Grades** |
| **Run Date - 1/28/2026 8:52:40 PM** |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Kroll** | **Moody's** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Kroll** | **Moody's** | **Morningstar** | **Morningstar** |
| (redacted) | 1 |  |  |  | C | C | D A | D | D | D C | B | B |  | A | A | N/A B | B |  |
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---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| |
|:---|
| ![](ex99-1sch4_001.jpg) |
| **Valuation Report** |
| **Run Date - 1/28/2026 8:52:43 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| (redacted) | 1 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  | -2.320% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.320% |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 2 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -15.870% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 3 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  | 5.090% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 4 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  | -3.730% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.730% |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 5 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 6 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.70 |
| (redacted) | 7 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| (redacted) | 8 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| (redacted) | 9 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 10 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| (redacted) | 11 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| (redacted) | 12 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 13 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 14 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 15 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 16 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| (redacted) | 17 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| (redacted) | 18 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| (redacted) | 19 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| (redacted) | 20 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 21 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 22 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| (redacted) | 23 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| (redacted) | 24 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| (redacted) | 25 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 26 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 27 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 28 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| (redacted) | 29 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 30 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 31 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 32 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 33 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.70 |
| (redacted) | 34 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| (redacted) | 35 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.80 |
| (redacted) | 36 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 37 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| (redacted) | 38 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| (redacted) | 39 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| (redacted) | 40 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 41 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 42 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 43 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| (redacted) | 44 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| (redacted) | 45 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| (redacted) | 46 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 47 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| (redacted) | 48 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
| (redacted) | 49 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| (redacted) | 50 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 51 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| (redacted) | 52 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.50 |
| (redacted) | 53 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| (redacted) | 54 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| (redacted) | 55 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| (redacted) | 56 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| (redacted) | 57 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| (redacted) | 58 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| (redacted) | 59 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| (redacted) | 60 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 61 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| (redacted) | 62 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 63 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 64 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| (redacted) | 65 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 66 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 67 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| (redacted) | 68 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| (redacted) | 69 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| (redacted) | 70 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 71 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| (redacted) | 72 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| (redacted) | 73 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| (redacted) | 74 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.30 |
| (redacted) | 75 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| (redacted) | 76 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 77 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 78 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 79 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 80 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| (redacted) | 81 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 82 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 83 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| (redacted) | 84 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 85 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 86 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| (redacted) | 87 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| (redacted) | 88 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| (redacted) | 89 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |
| (redacted) | 90 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 91 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 92 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 93 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| (redacted) | 94 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| (redacted) | 95 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| (redacted) | 96 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 97 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 98 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| (redacted) | 99 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| (redacted) | 100 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.060% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 101 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 102 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| (redacted) | 103 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| (redacted) | 104 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| (redacted) | 105 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| (redacted) | 106 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.90 |
| (redacted) | 107 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| (redacted) | 108 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 109 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 110 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| (redacted) | 111 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| (redacted) | 112 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| (redacted) | 113 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| (redacted) | 114 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| (redacted) | 115 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 116 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| (redacted) | 117 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 118 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 119 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| (redacted) | 120 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| (redacted) | 121 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 122 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 123 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 124 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 125 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 126 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 127 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.70 |
| (redacted) | 128 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| (redacted) | 129 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 130 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| (redacted) | 131 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| (redacted) | 132 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 133 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 134 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 135 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 136 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 137 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.10 |
| (redacted) | 138 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 139 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 140 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| (redacted) | 141 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| (redacted) | 142 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| (redacted) | 143 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| (redacted) | 144 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 145 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 146 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 147 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 148 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 149 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 150 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 151 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| (redacted) | 152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 153 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 154 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 155 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 156 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 157 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 158 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 159 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 160 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 161 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 162 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| (redacted) | 163 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 164 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 165 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 166 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 167 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 168 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| (redacted) | 169 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 170 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 171 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 172 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 173 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 174 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| (redacted) | 175 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 176 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| (redacted) | 177 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| (redacted) | 178 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| (redacted) | 179 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 180 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 181 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| (redacted) | 182 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 183 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| (redacted) | 184 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| (redacted) | 185 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.30 |
| (redacted) | 186 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 187 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| (redacted) | 188 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 189 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| (redacted) | 190 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.30 |
| (redacted) | 191 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.00 |
| (redacted) | 192 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.30 |
| (redacted) | 193 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| (redacted) | 194 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.90 |
| (redacted) | 195 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 999.00 |
| (redacted) | 196 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 197 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 198 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| (redacted) | 199 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 200 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| (redacted) | 201 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| (redacted) | 202 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| (redacted) | 203 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 204 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 205 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 206 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| (redacted) | 207 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| (redacted) | 208 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 209 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| (redacted) | 210 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| (redacted) | 211 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
| (redacted) | 212 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| (redacted) | 213 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 214 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 215 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 216 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| (redacted) | 217 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 218 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 219 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 220 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| (redacted) | 221 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.50 |
| (redacted) | 222 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| (redacted) | 223 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 224 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 225 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| (redacted) | 226 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 227 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 228 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| (redacted) | 229 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| (redacted) | 230 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 231 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| (redacted) | 232 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| (redacted) | 233 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.70 |
| (redacted) | 234 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| (redacted) | 235 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| (redacted) | 236 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 237 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 238 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 |
| (redacted) | 239 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 240 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 241 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| (redacted) | 242 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| (redacted) | 243 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| (redacted) | 244 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| (redacted) | 245 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| (redacted) | 246 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| (redacted) | 247 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.40 |
| (redacted) | 248 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 249 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| (redacted) | 250 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| (redacted) | 251 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 252 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| (redacted) | 253 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| (redacted) | 254 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.70 |
| (redacted) | 255 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| (redacted) | 256 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 257 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| (redacted) | 258 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| (redacted) | 259 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| (redacted) | 260 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 261 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| (redacted) | 262 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 |
| (redacted) | 263 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.70 |
| (redacted) | 264 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 265 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| (redacted) | 266 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.20 |
| (redacted) | 267 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 268 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 269 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
| (redacted) | 270 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| (redacted) | 271 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 272 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| (redacted) | 273 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| (redacted) | 274 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| (redacted) | 275 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 276 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 277 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| (redacted) | 278 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 279 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| (redacted) | 280 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| (redacted) | 281 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 282 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| (redacted) | 283 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.50 |
| (redacted) | 284 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 285 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| (redacted) | 286 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| (redacted) | 287 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 288 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| (redacted) | 289 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 290 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| (redacted) | 291 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Sutton Funding LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from August 2022 through May 2024 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (291 loans). The loans reviewed using the Credit and Compliance Scope are together referred to as the mortgage loans.

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

The initial population consisted of 291 mortgage loans.

The final population of the Review covered 291 mortgage loans totaling an aggregate original principal balance of approximately $19.949 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Investor: Qualifying Total Debt<br> Ratio | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original LTV |  |

---

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

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

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

---

| | |
|:---|:---|
| 1 | Page |

---

![](ex99-2_001.jpg)

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| 2 | Page |

---

![](ex99-2_001.jpg)

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

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

**DATA COLLECTION**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

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**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

**<u>Lien Position Search (407 loans)</u>**

For the loans in the Guideline Review population, Non-Owner Occupancy Review and additional population, data points were reviewed between the data tape and the data collected by AMC.

SAMC performed a public records search for properties identified by Client. The search included:

&nbsp;&nbsp;&nbsp;&nbsp;a) All open voluntary Mortgage/DOT liens that
are recorded in public land records.

&nbsp;&nbsp;&nbsp;&nbsp;b) A summary report which details the mortgage
lien position from the search of public records.

&nbsp;&nbsp;&nbsp;&nbsp;c) All open voluntary Mortgage/DOT lien document
images, when available. In some instances,

&nbsp;&nbsp;&nbsp;&nbsp;d) The research was conducted
by some/all of the following: online system access, data plants, and ground search vendors, depending on the requirements of the municipal
authorities.

No additional documents, loan file materials, or property-related images were reviewed outside of the items specifically listed above. This service does not constitute a full property search or a full title diligence review, and no such representations should be inferred.

---

| | |
|:---|:---|
| 10 | Page |

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![](ex99-2_001.jpg)

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**OVERALL REVIEW RESULTS SUMMARY**

There were two hundred ninety-one (291) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS and Fitch NRSRO grading criteria two hundred forty-nine (249) loans (85.57%) had an Overall grade of "A", forty-one (41) loans (14.09%) had an Overall grade of "B", and one (1) loan (0.34%) had an Overall grade of "C".

---

| | | |
|:---|:---|:---|
| **DBRS and Fitch Overall Loan Grades** | **DBRS and Fitch Overall Loan Grades** | **DBRS and Fitch Overall Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 249 | 85.57% |
| B | 41 | 14.09% |
| C | 1 | 0.34% |
| D | 0 | 0.00% |
| **Total** | **291** | **100.00%** |

---

---

| | |
|:---|:---|
| 11 | Page |

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![](ex99-2_001.jpg)

**CREDIT RESULTS SUMMARY**

Two hundred sixty-eight (268) loans (92.10%) reviewed received an "A" Credit grade and twenty-three (23) loans (7.90%) received a "B" Credit grade. No loans had a Credit grade lower than "B".

---

| | | |
|:---|:---|:---|
| **DBRS and Fitch Credit Loan Grades** | **DBRS and Fitch Credit Loan Grades** | **DBRS and Fitch Credit Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 268 | 92.10% |
| B | 23 | 7.90% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **291** | **100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

After all documents were presented, under the applicable DBRS NRSRO grading criteria and Fitch NRSRO grading criteria two hundred sixty-five (265) loans (91.07%) had a Compliance grade of "A", twenty-five (25) loans (8.59%) had a Compliance grade of "B, and one (1) loan had a Compliance grade of "C".

---

| | | |
|:---|:---|:---|
| **DBRS and Fitch Compliance Loan Grades** | **DBRS and Fitch Compliance Loan Grades** | **DBRS and Fitch Compliance Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 265 | 91.07% |
| B | 25 | 8.59% |
| C | 1 | 0.34% |
| D | 0 | 0.00% |
| **Total** | **291** | **100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were two hundred ninety-one (291) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS NRSRO grading criteria, seven (7) loans (2.41%) had a Property grade of "A", and two hundred eight-four (284) loans (97.59%) had a Property grade of "NA". After all documents were presented, under the applicable Fitch NRSRO grading criteria, all two hundred (291) loans (100.00%) had a Property grade of "A".

---

| | | |
|:---|:---|:---|
| **DBRS Property Loan Grades** | **DBRS Property Loan Grades** | **DBRS Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 7 | 2.41% |
| B | 0 | 0.86% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 284 | 97.59% |
| **Total** | **291** | **100.00%** |

---

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| | |
|:---|:---|
| 12 | Page |

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![](ex99-2_001.jpg)

---

| | | |
|:---|:---|:---|
| **Fitch Property Loan Grades** | **Fitch Property Loan Grades** | **Fitch Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 291 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **291** | **100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred ninety-one (291) Loans reviewed, eighty-seven (87) unique Loans had two hundred three (203) different tape discrepancies across eleven (11) data fields (some Loans had more than one data delta). The most variances were found on Doc Type, Zip and Original Interest Rate.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | **Loans With <br> Discrepancy** | **Total Times <br> Compared** | **%**<br> **Variance** | **# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | 0 | 213 | 0.00% | 291 |
| &nbsp;&nbsp;Amortization Term | 0 | 78 | 0.00% | 291 |
| &nbsp;&nbsp;Amortization Type | 0 | 78 | 0.00% | 291 |
| &nbsp;&nbsp;Appraised Value | 0 | 190 | 0.00% | 291 |
| &nbsp;&nbsp;Borrower Qualifying FICO | 0 | 78 | 0.00% | 291 |
| &nbsp;&nbsp;City | 0 | 291 | 0.00% | 291 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | 0 | 29 | 0.00% | 291 |
| &nbsp;&nbsp;Doc Type | 56 | 208 | 26.92% | 291 |
| &nbsp;&nbsp;First Payment Date | 0 | 208 | 0.00% | 291 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | 10 | 213 | 4.69% | 291 |
| &nbsp;&nbsp;Lien Position | 15 | 96 | 15.63% | 291 |
| &nbsp;&nbsp;LTV Valuation Value | 1 | 23 | 4.35% | 291 |
| &nbsp;&nbsp;Note Date | 0 | 78 | 0.00% | 291 |
| &nbsp;&nbsp;Occupancy | 0 | 291 | 0.00% | 291 |
| &nbsp;&nbsp;Original CLTV | 11 | 291 | 3.78% | 291 |
| &nbsp;&nbsp;Original Interest Rate | 35 | 291 | 12.03% | 291 |
| &nbsp;&nbsp;Original Loan Amount | 0 | 291 | 0.00% | 291 |
| &nbsp;&nbsp;Original LTV | 0 | 291 | 0.00% | 291 |
| &nbsp;&nbsp;Original Term | 0 | 78 | 0.00% | 291 |
| &nbsp;&nbsp;Property Type | 1 | 101 | 0.99% | 291 |
| &nbsp;&nbsp;Purpose | 0 | 101 | 0.00% | 291 |
| &nbsp;&nbsp;Refi Purpose | 1 | 101 | 0.99% | 291 |
| &nbsp;&nbsp;Representative FICO | 2 | 23 | 8.70% | 291 |
| &nbsp;&nbsp;State | 0 | 291 | 0.00% | 291 |
| &nbsp;&nbsp;Street | 17 | 291 | 5.84% | 291 |
| &nbsp;&nbsp;Zip | 54 | 291 | 18.56% | 291 |
| &nbsp;&nbsp;**Total** | **203** | **4515** | **4.50%** | **291** |

---

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|:---|:---|
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![](ex99-2_001.jpg)

**LIEN POSITION SEARCH RESULTS**

---

| | | |
|:---|:---|:---|
| **Lien Position Results** | **Lien Position Results** | **Lien Position Results** |
| **Lien Position** | **# of Loans** | **% of Loans** |
| 2 | 376 | 92.38% |
| 3 | 17 | 4.18% |
| 1 | 12 | 2.95% |
| 5 | 1 | 0.25% |
| 0 | 1 | 0.25% |
| **Total** | **407** | **100.00%** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Fixed | 291 | 100.00% | $19948870.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **291** | **100.00%** | **$19948870.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;1 | 2 | 0.69% | $504000.00 | 2.53% |
| &nbsp;&nbsp;2 | 289 | 99.31% | $19444870.00 | 97.47% |
| &nbsp;&nbsp;**Total** | **291** | **100.00%** | **$19948870.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | 5 | 1.72% | $353500.00 | 1.77% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | 1 | 0.34% | $40000.00 | 0.20% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | 285 | 97.94% | $19555370.00 | 98.03% |
| &nbsp;&nbsp;**Total** | **291** | **100.00%** | **$19948870.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;0-120 Months | 8 | 2.75% | $544100.00 | 2.73% |
| &nbsp;&nbsp;121-180 Months | 3 | 1.03% | $178000.00 | 0.89% |
| &nbsp;&nbsp;181-240 Months | 277 | 95.19% | $18627270.00 | 93.38% |
| &nbsp;&nbsp;241-360 Months | 3 | 1.03% | $599500.00 | 3.01% |
| &nbsp;&nbsp;**Total** | **291** | **100.00%** | **$19948870.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Single Family Detached | 217 | 74.57% | $14441465.00 | 72.39% |
| &nbsp;&nbsp;Condo, Low Rise | 7 | 2.41% | $342250.00 | 1.72% |
| &nbsp;&nbsp;PUD | 66 | 22.68% | $5099155.00 | 25.56% |
| &nbsp;&nbsp;1 Family Attached | 1 | 0.34% | $66000.00 | 0.33% |
| &nbsp;&nbsp;**Total** | **291** | **100.00%** | **$19948870.00** | **100.00%** |

---

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| | |
|:---|:---|
| 14 | Page |

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![](ex99-2_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Primary | 289 | 99.31% | $19825870.00 | 99.38% |
| &nbsp;&nbsp;Second Home | 2 | 0.69% | $123000.00 | 0.62% |
| &nbsp;&nbsp;**Total** | **291** | **100.00%** | **$19948870.00** | **100.00%** |

---

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| | |
|:---|:---|
| 15 | Page |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client ID** | **Edgar Loan ID** | **Svcr ID** | **SitusAMC Loan ID** | **Title Report Date** | **Search Effective Date** | **Search Completion Date** | **Address Discrepancy** | **SMtg Identified** | **SMtg in 2nd Lien Position** | **SMtg Lien Position** | **Prior Mortgage Check** | **Prior Mortgage Total** | **Street Address** | **City** | **ST** | **Zip** | **Recording District** | **Property Type** | **APN** | **Address Variation** | **SMtg Origination Amount** | **SMtg Origination Date** | **Borrower Name(s)** | **SMtg Original Beneficiary** | **SMtg Recording Date** | **SMtg Book** | **SMtg Page** | **Smtg Inst #** | **Title Search Comments** |
| XXXX | 230 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 106 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 107 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 232 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 236 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 237 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 239 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 109 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 7 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 110 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 9 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 85 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 11 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 12 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 13 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 244 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 245 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 14 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 246 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 15 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 247 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 16 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 248 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 249 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 17 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 18 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 250 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 251 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 21 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 22 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 113 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 252 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 255 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 256 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 24 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 257 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 258 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 25 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 26 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 28 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 29 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 30 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 31 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 115 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 117 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 32 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 260 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 118 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 33 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 120 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 102 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 103 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 121 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 34 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 122 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 35 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 86 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 39 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 40 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 128 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 41 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 129 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 130 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 131 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 105 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 132 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 261 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 262 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 133 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 134 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 263 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 135 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 42 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 43 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 44 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 45 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 46 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 47 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 136 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 137 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 48 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 49 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 138 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 101 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 50 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 51 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 139 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 52 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 140 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 264 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 141 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 53 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 142 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 87 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 55 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 265 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 56 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 57 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 267 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 58 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 271 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 59 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 274 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 88 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 144 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 63 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 65 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 68 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 69 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 71 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 78 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 188 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 6 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 231 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 233 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 234 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 235 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 238 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 108 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 100 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass |  | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | We have found release for all the prior mortgages, hence subject mortgage is not in 2nd position. |
| XXXX | 240 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 241 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 8 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 242 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 111 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 112 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 243 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 19 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | We have found release for all the prior mortgages, hence subject mortgage is not in 2nd position. |
| XXXX | 20 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | We have found release for all the prior mortgages, hence subject mortgage is not in 2nd position. |
| XXXX | 253 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 254 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 27 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 259 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 114 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 116 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 119 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 36 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | We have found release for all the prior mortgages, hence subject mortgage is not in 2nd position. |
| XXXX | 123 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 104 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | We have found release for all the prior mortgages, hence subject mortgage is not in 2nd position. |
| XXXX | 37 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 124 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 125 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 126 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 38 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 127 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 54 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | We have found release for all the prior mortgages, hence subject mortgage is in 1st position. |
| XXXX | 143 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 266 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 268 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 269 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 270 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 272 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 273 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 60 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 275 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 61 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 89 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 62 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 64 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | We have found release for all the prior mortgages; hence subject mortgage is in 1st position. |
| XXXX | 66 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 67 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 70 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 145 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 276 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 146 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 72 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 73 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 147 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 148 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 74 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 149 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 75 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 150 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 76 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 151 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 77 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 90 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 91 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 152 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 153 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 154 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 155 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 79 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | We have found release for all the prior mortgages; hence subject mortgage is in 1st position. |
| XXXX | 156 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 157 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 158 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 159 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 277 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 80 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | We have found release for all the prior mortgages, hence subject mortgage is not in 2nd position. |
| XXXX | 81 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 278 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 160 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 82 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 161 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 279 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 162 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 280 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 281 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 92 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 163 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in (3rd) position. |
| XXXX | 282 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 164 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 84 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 83 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 165 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 166 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 167 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 168 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 169 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 284 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 170 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 171 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 285 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 93 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | We have found release for all the prior mortgages, hence subject mortgage is not in 2nd position. |
| XXXX | 172 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 173 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 174 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 286 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 287 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 94 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 95 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 96 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 288 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 99 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 97 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 289 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 290 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 175 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 177 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 98 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | TMTG sits in 1st lien position as the prior lien was originally recorded XX/XXXX but then was re-recorded XX/XXXX. The TMTG was recorded XX/XXXX. |
| XXXX | 178 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 291 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 179 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 180 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 181 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 182 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 183 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 184 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 185 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 186 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 187 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 189 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 190 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | T.Mtg amount matches with the given loan amount, whereas dated date mismatches with the input. |
| XXXX | 191 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 192 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 193 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 194 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 195 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 196 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 197 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 198 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 199 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | Single Family Residential (SFR) | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 200 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in (3rd)position. |
| XXXX | 201 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 202 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 203 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 204 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 205 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 206 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 207 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 208 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 209 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 210 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 211 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 212 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 213 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 214 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 215 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 216 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 217 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 218 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 219 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 220 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 5 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX |  |  |  |  |  |  | No releases found for prior mortgages, hence subject mortgage is in 5th lien position. |
| XXXX | 221 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 222 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 223 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 224 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 225 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 226 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 227 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 228 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 229 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 1 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 2 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 3 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 4 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 5 |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 292 | 32210981 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 293 | 32210999 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 294 | 32211005 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 295 | 32211039 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 296 | 32211047 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 297 | 32704090 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 298 | 32704108 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 299 | 32704124 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 300 | 32704132 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 301 | 32704140 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages. Hence, subject mortgage is in 3rd position. |
| XXXX | 302 | 32704173 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is an more then one year gap between Dated date and Recorded date of the Mortgage document (Instrument Number XXXX) |
| XXXX | 303 | 32704181 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 304 | 32704199 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 305 | 32704207 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in (3rd) position |
| XXXX | 306 | 32704215 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 307 | 32704256 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 308 | 32704272 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 309 | 32704306 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 310 | 32704314 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 311 | 32704322 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 312 | 32704330 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 313 | 32704348 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 314 | 32704397 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | CEMA<br> Native Mortgage (CEMA) Inst # XXXX Min Number XXXX<br> Native Mortgage (CEMA) Inst # XXXX Min Number XXXX |
| XXXX | 315 | 32704405 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 316 | 32704439 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 317 | 32704447 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 318 | 32704496 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 319 | 32704512 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 320 | 32704538 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 321 | 32704546 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 322 | 32704595 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 323 | 32704603 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |
| XXXX | 324 | 32704629 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 325 | 32704652 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 326 | 32704660 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 327 | 32704678 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 328 | 32764854 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 329 | 32764870 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 330 | 32764888 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 331 | 32764912 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 332 | 32764920 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 333 | 32764938 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 334 | 32764953 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 335 | 32764995 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 336 | 32765026 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Fail | Fail | 0 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX |  |  |  |  |  |  | Target mortgage ($XXX, dated XX/XX/XXXX) was not located in our search. However, we identified an open mortgage in XX/XX/XXXX for $XXXX, which is currently reported in the first position. Also, no release found for target mortgage. |
| XXXX | 337 | 32774051 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 338 | 32769499 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 339 | 32769689 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 340 | 32930737 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 341 | 32872277 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 342 | 32871071 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 343 | 32871089 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 344 | 32871097 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 345 | 32871105 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 346 | 32889685 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |
| XXXX | 347 | 32935405 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 348 | 32889693 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 349 | 32935462 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 350 | 32889701 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 351 | 32889719 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 352 | 32948259 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 353 | 32948283 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 3 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | There is no release found for prior mortgages, hence subject mortgage is in 3rd position. |
| XXXX | 354 | 32948267 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 355 | 32948291 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 356 | 32948317 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 357 | 32948325 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 358 | 32948333 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 359 | 32948341 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 360 | 32964280 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 361 | 32973117 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |
| XXXX | 362 | 32974628 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 363 | 33021288 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 364 | 32974636 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 365 | 33004888 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 366 | 32974644 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 367 | 32974651 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 368 | 33078015 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |
| XXXX | 369 | 33078023 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 370 | 33078031 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 371 | 33078007 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |
| XXXX | 372 | 33077934 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 373 | 33078049 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 374 | 33078056 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 375 | 33078064 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 376 | 33077918 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 377 | 33077975 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 378 | 33081910 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 379 | 33081928 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 380 | 33081936 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 381 | 33082033 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 382 | 33081944 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | T.Mtg dated date mismatches with the given date, whereas amount matches with the input. |
| XXXX | 383 | 33078098 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 384 | 33078106 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 385 | 33084864 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | T.Mtg dated date mismatches with the given date, whereas loan amount matches with the input. |
| XXXX | 386 | 33078114 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 387 | 33078148 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 388 | 33081993 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 389 | 33082009 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 390 | 33084740 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 391 | 33084807 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 392 | 33084765 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |
| XXXX | 393 | 33084831 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 394 | 33089699 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 395 | 33114612 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | (Deed of Trust) Document (Instrument Number XXXX,XXXX) is the best copy, which we able to get and have shown the information as much as possible from it |
| XXXX | 396 | 33114620 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 397 | 33114638 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 398 | 33114695 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 399 | 33114919 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 400 | 33114927 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 401 | 33129099 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 402 | 33129107 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 403 | 33139601 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 404 | 33139619 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |
| XXXX | 405 | 33198896 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 406 | 33198904 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 407 | 33198912 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 408 | 33198920 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX |  |
| XXXX | 409 | 33235508 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |
| XXXX | 410 | 33235516 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Fail | 1 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX | No Prior Mortgages available, hence Target mortgage is in 1st Position; |
| XXXX | 411 | 33235789 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Pass | Pass | 2 | Pass | $XXXX | XXX XXXX | XXXX | XX | XXXXX | XXXX | N/A | XXXX-XXXX |  | $XXX | XX/XX/XXXX | XXX XXXX | XXXX | XX/XX/XXXX |  |  | XXXX |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client ID** | **Edgar Loan ID** | **Svcr ID** | **SitusAMC Loan ID** | **Mortgage Type** | **Lien Position** | **Mortgage Borrower(s)** | **Mortgage Beneficiary** | **Mortgage Trustee** | **Mortgage Amount** | **Mortgage Execution Date** | **Mortgage Recording Date** | **Mortgage Maturity Date** | **MERS Flag** | **MIN Number** | **Mortgage Book** | **Mortgage Page** | **Mortgage Inst #** | **Mortgage Comments** | **RD 1 Type** | **RD 1 Document Name** | **RD 1 Grantor** | **RD 1 Grantee** | **RD 1 Amount** | **RD 1 Execution Date** | **RD 1 Recording Date** | **RD 1 Book** | **RD 1 Page** | **RD 1 Instr #** | **RD 2 Type** | **RD 2 Document Name** | **RD 2 Grantor** | **RD 2 Grantee** | **RD 2 Amount** | **RD 2 Execution Date** | **RD 2 Recording Date** | **RD 2 Book** | **RD 2 Page** | **RD 2 Instr #** | **RD 3 Type** | **RD 3 Document Name** | **RD 3 Grantor** | **RD 3 Grantee** | **RD 3 Amount** | **RD 3 Execution Date** | **RD 3 Recording Date** | **RD 3 Book** | **RD 3 Page** | **RD 3 Instr #** |
| XXXX | 230 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 230 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 230 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 106 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 106 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 107 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 107 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 232 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 232 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 236 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 236 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 237 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 237 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 239 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 239 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 109 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 109 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 7 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 7 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 110 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 110 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 11 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 11 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 12 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 12 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 13 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 13 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 244 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 244 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 245 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 245 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 14 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 14 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 246 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 246 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 15 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 15 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 247 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 247 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 16 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 16 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 248 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 248 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 249 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 249 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 17 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 17 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 18 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 18 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 250 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 250 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 251 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 251 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 21 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 21 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 22 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 22 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 113 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 113 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 252 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 252 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 255 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 255 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 256 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 256 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 257 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 257 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 258 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 258 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 25 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 25 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 26 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 26 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 29 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 29 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 30 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 30 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 31 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 31 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 115 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 115 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 117 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 117 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 32 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 32 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 260 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 260 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 118 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 118 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 33 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 33 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 120 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 120 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 102 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 102 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 103 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 103 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 121 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 121 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 34 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 34 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 122 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 122 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 35 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 35 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 86 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 86 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 39 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 39 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 40 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 40 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 128 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 128 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 41 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 41 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 129 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 129 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 130 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 130 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 131 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 131 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 105 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 105 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 132 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 132 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 261 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 261 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 262 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 262 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 262 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 133 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 133 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 134 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 134 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 263 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 263 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 135 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 135 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 42 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 42 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 43 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 43 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 44 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 44 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 45 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 45 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 46 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 46 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 46 |  | XXXX | Deed of Trust | 3 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 47 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 47 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 136 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 136 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 137 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 137 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 48 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 48 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 49 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 49 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 138 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 138 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 101 |  | XXXX | HELOC | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  | XXX | XXX | XXXX | Maturity Date NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 101 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 50 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 50 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 51 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 51 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 139 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 139 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 52 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 52 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 140 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 140 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 264 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 264 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 141 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 141 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 53 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 53 |  | XXXX | HELOC | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 53 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 142 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 142 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 87 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 87 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 55 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 55 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 265 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 265 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 56 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 56 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 57 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 57 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 267 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 267 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 58 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 58 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 271 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 271 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 59 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 59 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 274 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 274 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 88 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 88 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 144 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 144 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 63 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 63 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 65 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 65 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 68 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 68 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 69 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 69 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 71 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 71 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 78 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX | Maturity date got expired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 78 |  | XXXX | Deed of Trust | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 78 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 188 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 188 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 188 |  | XXXX | Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 6 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 6 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 231 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 231 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 233 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 233 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 234 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 234 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 235 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 235 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 238 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  | Subordination | Subordination Agreement | XXXX | XXXX |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 238 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 238 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 108 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 108 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 100 |  | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 240 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 240 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 240 |  | XXXX | Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX | Original Mortgage recorded on 01/10/2023 Inst# A1647291 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 241 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 241 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 8 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 8 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 242 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 242 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 111 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 111 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 112 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 112 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 112 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 243 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 243 |  | XXXX | HELOC | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 243 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 19 |  | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20 |  | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 253 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 253 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 254 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 254 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 27 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 27 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 259 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 259 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 114 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 114 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 114 |  | XXXX | Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 116 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 116 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 119 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 119 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 36 |  | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 123 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 123 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 104 |  | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 37 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 124 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 124 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 125 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 125 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 126 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 126 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 126 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 38 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 38 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 127 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 127 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 54 |  | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 143 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 143 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 266 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 266 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 268 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 268 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 269 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 269 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 270 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX | 2 | Other | Corrective Mortgage | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 270 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 272 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 272 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 273 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 273 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 60 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 60 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 275 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 275 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 61 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 61 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 89 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 89 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 62 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 62 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 64 |  | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 66 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 66 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 67 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 67 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 70 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 70 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 145 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 145 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 276 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 276 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 146 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 146 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 72 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 72 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 73 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 73 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 147 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 147 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 148 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 148 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 74 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 74 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 149 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 149 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 75 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 75 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 150 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 150 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 76 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 76 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 76 |  | XXXX | HELOC | 3 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 151 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 151 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 77 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 77 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 90 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 90 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 90 |  | XXXX | HELOC | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 91 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 91 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 152 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 152 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 153 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 153 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 153 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 154 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 154 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 155 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 155 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 79 |  | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 156 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 156 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 157 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 157 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 158 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 158 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 159 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 159 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 277 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 277 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80 |  | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 81 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 81 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 278 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 278 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 160 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 160 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 82 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 82 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 161 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 161 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 279 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 279 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 162 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 162 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 280 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 280 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 281 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 281 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 92 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 92 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 163 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 163 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 163 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 282 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 282 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 164 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 164 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 84 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 84 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 83 |  | XXXX | Security Deed | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 83 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 165 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 165 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 166 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 166 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 167 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 167 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 168 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 168 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 169 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 169 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 284 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 284 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 170 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 170 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 171 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 171 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 285 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX | There is an one year gap between Dated date and Recorded date of the 08/09/2023 document No. 6029518 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 285 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 93 |  | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 172 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 172 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 173 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 173 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 174 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 174 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 286 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 286 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 287 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 287 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 94 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 94 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 95 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 95 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 96 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 96 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 288 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 288 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 99 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 99 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 97 |  | XXXX | Security Deed | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 97 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 289 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 289 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 290 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 290 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 175 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 175 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 177 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 177 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 98 |  | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 98 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX | Mortgage Originally recorded on 05/07/2021 Inst # 2021002996 and There is an more than one year gap between Dated date and Recorded date of the Mortgage document (Doc Number: 2023004991) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 178 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 178 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 291 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 291 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 179 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 179 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 180 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 180 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 181 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 181 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 182 |  | XXXX | HELOC | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  | XXXX | Maturity Date NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 182 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 182 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 183 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 183 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 184 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 184 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 185 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 185 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 186 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 186 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 187 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 187 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 189 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 189 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 190 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 190 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 191 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 191 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 192 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 192 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 193 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 193 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 194 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 194 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 195 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 195 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 196 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 196 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 197 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 197 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 198 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 198 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 199 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 199 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX | Maturity Date Got Expired / Document Date greater than Execution Date. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 200 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 201 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 201 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 202 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 202 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 203 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 203 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 204 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 204 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 205 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 205 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 206 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 206 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 207 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 207 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 208 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 208 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 209 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 209 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 210 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 210 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 211 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 211 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 212 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 212 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 213 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 213 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 214 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 214 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 215 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 215 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 216 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 216 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 217 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 217 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 218 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 218 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 219 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 219 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 220 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 220 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  | XXXX | Maturity Date NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 220 |  | XXXX | Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 220 |  | XXXX | Mortgage | 4 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 220 |  | XXXX | Subject Mortgage | 5 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 221 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 221 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 222 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX | Maturity Date got Expired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 222 |  | XXXX | Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 222 |  | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 223 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 223 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 224 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 224 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 225 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 225 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 226 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 226 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 227 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 227 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 228 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 228 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 229 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 229 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 3 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 3 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4 |  | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5 |  | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5 |  | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 292 | 32210981 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 292 | 32210981 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 293 | 32210999 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 293 | 32210999 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 294 | 32211005 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 294 | 32211005 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 295 | 32211039 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 295 | 32211039 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 296 | 32211047 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 296 | 32211047 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 297 | 32704090 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 297 | 32704090 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 298 | 32704108 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 298 | 32704108 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX | Deed of Trust originally recorded on 08/25/2021 in Inst# 202108250023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 299 | 32704124 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 299 | 32704124 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 300 | 32704132 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 300 | 32704132 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 301 | 32704140 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 301 | 32704140 | XXXX | Deed of Trust | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 301 | 32704140 | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 302 | 32704173 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 302 | 32704173 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 303 | 32704181 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 303 | 32704181 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 304 | 32704199 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 304 | 32704199 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 305 | 32704207 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 305 | 32704207 | XXXX | Deed of Trust | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 305 | 32704207 | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 306 | 32704215 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 306 | 32704215 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 307 | 32704256 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 307 | 32704256 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 308 | 32704272 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 308 | 32704272 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 309 | 32704306 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 309 | 32704306 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 310 | 32704314 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 310 | 32704314 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 311 | 32704322 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 311 | 32704322 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 312 | 32704330 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 312 | 32704330 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 313 | 32704348 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 313 | 32704348 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 314 | 32704397 | XXXX | Consolidated Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  | Native Mortgage (CEMA) | Mortgage | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | Consolidation | Consolidation, Extension, and Modification Agreement | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | Mortgage | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX |
| XXXX | 314 | 32704397 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 315 | 32704405 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 315 | 32704405 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 316 | 32704439 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 316 | 32704439 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 317 | 32704447 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 317 | 32704447 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 318 | 32704496 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 318 | 32704496 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 319 | 32704512 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 319 | 32704512 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 320 | 32704538 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 320 | 32704538 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 321 | 32704546 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 321 | 32704546 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 322 | 32704595 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 322 | 32704595 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 323 | 32704603 | XXXX | HELOC | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 323 | 32704603 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 324 | 32704629 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 324 | 32704629 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 325 | 32704652 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 325 | 32704652 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 326 | 32704660 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 326 | 32704660 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 327 | 32704678 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 327 | 32704678 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 328 | 32764854 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 328 | 32764854 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 329 | 32764870 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 329 | 32764870 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 330 | 32764888 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 330 | 32764888 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 331 | 32764912 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 331 | 32764912 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 332 | 32764920 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 332 | 32764920 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 333 | 32764938 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 333 | 32764938 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 334 | 32764953 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 334 | 32764953 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 335 | 32764995 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 335 | 32764995 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 336 | 32765026 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 337 | 32774051 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 337 | 32774051 | XXXX | Deed of Trust | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 337 | 32774051 | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 338 | 32769499 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 338 | 32769499 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 339 | 32769689 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 339 | 32769689 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 340 | 32930737 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 340 | 32930737 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 341 | 32872277 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 341 | 32872277 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 342 | 32871071 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 342 | 32871071 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 343 | 32871089 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 343 | 32871089 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 344 | 32871097 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 344 | 32871097 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 345 | 32871105 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 345 | 32871105 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 346 | 32889685 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 346 | 32889685 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 347 | 32935405 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 347 | 32935405 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 348 | 32889693 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 348 | 32889693 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 349 | 32935462 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 349 | 32935462 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 350 | 32889701 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 350 | 32889701 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 351 | 32889719 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 351 | 32889719 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 352 | 32948259 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 352 | 32948259 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 353 | 32948283 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 353 | 32948283 | XXXX | HELOC | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 353 | 32948283 | XXXX | Subject Mortgage | 3 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 354 | 32948267 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 354 | 32948267 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 355 | 32948291 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 355 | 32948291 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 356 | 32948317 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 356 | 32948317 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 357 | 32948325 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 357 | 32948325 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 358 | 32948333 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 358 | 32948333 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 359 | 32948341 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 359 | 32948341 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 360 | 32964280 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 360 | 32964280 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 361 | 32973117 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 361 | 32973117 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 362 | 32974628 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 362 | 32974628 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 363 | 33021288 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 363 | 33021288 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 364 | 32974636 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 364 | 32974636 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 365 | 33004888 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 365 | 33004888 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 366 | 32974644 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 366 | 32974644 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 367 | 32974651 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 367 | 32974651 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 368 | 33078015 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 368 | 33078015 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 369 | 33078023 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 369 | 33078023 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 370 | 33078031 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 370 | 33078031 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 371 | 33078007 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 371 | 33078007 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 372 | 33077934 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 372 | 33077934 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 373 | 33078049 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 373 | 33078049 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 374 | 33078056 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 374 | 33078056 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 375 | 33078064 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 375 | 33078064 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 376 | 33077918 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 376 | 33077918 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 377 | 33077975 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 377 | 33077975 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 378 | 33081910 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 378 | 33081910 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 379 | 33081928 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX | Document Date greater than Execution Date |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 379 | 33081928 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 380 | 33081936 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 380 | 33081936 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 381 | 33082033 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 381 | 33082033 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 382 | 33081944 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 382 | 33081944 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 383 | 33078098 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 383 | 33078098 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 384 | 33078106 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 384 | 33078106 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 385 | 33084864 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 385 | 33084864 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 386 | 33078114 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 386 | 33078114 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 387 | 33078148 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 387 | 33078148 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 388 | 33081993 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 388 | 33081993 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 389 | 33082009 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 389 | 33082009 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 390 | 33084740 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 390 | 33084740 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 391 | 33084807 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 391 | 33084807 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 392 | 33084765 | XXXX | Security Deed | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 392 | 33084765 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 393 | 33084831 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 393 | 33084831 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 394 | 33089699 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 394 | 33089699 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 395 | 33114612 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 395 | 33114612 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 396 | 33114620 | XXXX | Security Deed | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 396 | 33114620 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 397 | 33114638 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 397 | 33114638 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 398 | 33114695 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 398 | 33114695 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 399 | 33114919 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 399 | 33114919 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 400 | 33114927 | XXXX | Security Deed | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 400 | 33114927 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 401 | 33129099 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 401 | 33129099 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 402 | 33129107 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 402 | 33129107 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 403 | 33139601 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 403 | 33139601 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 404 | 33139619 | XXXX | Security Deed | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 404 | 33139619 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 405 | 33198896 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 405 | 33198896 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 406 | 33198904 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 406 | 33198904 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 407 | 33198912 | XXXX | Mortgage | 1 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 407 | 33198912 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX |  | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 408 | 33198920 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 408 | 33198920 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 409 | 33235508 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 409 | 33235508 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 410 | 33235516 | XXXX | Subject Mortgage | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 411 | 33235789 | XXXX | Subject Mortgage | 2 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 411 | 33235789 | XXXX | Deed of Trust | 1 | XXXX XXXX | XXXX | XXXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| |
|:---|
| ![](ex99-2sch3_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 2/2/2026 11:33:17 AM** |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| (redacted) | 1 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 2 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 3 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 4 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 5 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 6 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| |
|:---|
| ![](ex99-2sch4_001.jpg) |
| **Exception Grades** |
| **Run Date - 2/2/2026 1:10:06 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| (redacted) | 1 (redacted) |  | 35700108 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted], and prior employment history was not documented as required. |  | Borrower has been on current job less than[redacted], and prior employment history was not documented as required. |  |  |  | Reviewer Comment (2026-01-29): [redacted] per guides | 01/29/2026 |  |  | 1 C A | NJ | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 2 (redacted) |  | 35700109 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. |  |  |  |  |  | Reviewer Comment (2026-02-02): Cleared with PDI | 02/02/2026 |  |  | 1 C A | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 2 (redacted) |  | 35700114 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] / Post Disaster Inspection + [redacted] - [redacted] |  |  |  | Reviewer Comment (2026-02-02): Cleared with PDI<br>Reviewer Comment (2026-01-31): Valuation Received - [redacted] | 02/02/2026 |  |  | 1 A | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 3 (redacted) |  | 35700115 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. |  |  |  |  |  | Reviewer Comment (2026-02-02): Cleared with PDI | 02/02/2026 |  |  | 1 C A | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 3 (redacted) |  | 35700120 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] / Post Disaster Inspection +[redacted] |  |  |  | Reviewer Comment (2026-02-02): Cleared with PDI<br>Reviewer Comment (2026-02-01): Valuation Received - [redacted] | 02/02/2026 |  |  | 1 A | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 4 (redacted) |  | 35700122 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted] HPML 2014 Non Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Evidence of earlier appraisal receipt not provided. |  |  |  | Reviewer Comment (2026-01-29): waived |  |  | 01/29/2026 | 2 B | IN | Primary | Refinance - Cash-out - Home Improvement | B A | Non QM | Non QM | No |
| (redacted) | 4 (redacted) |  | 35700123 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. | Evidence of earlier receipt not provided. |  |  |  | Reviewer Comment (2026-01-29): waived |  |  | 01/29/2026 | 2 B | IN | Primary | Refinance - Cash-out - Home Improvement | B A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 35700127 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. |  |  |  |  |  | Reviewer Comment (2026-01-30): PDI provided and cleared. | 01/30/2026 |  |  | 1 C A | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 35700130 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [redacted] prior to consummation. | Appraisal delivery was not provided to borrower [redacted] prior to closing. |  |  |  | Reviewer Comment (2026-01-29): waived |  |  | 01/29/2026 | 2 B | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 35700132 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] / Post Disaster Inspection + [redacted] |  |  |  | Reviewer Comment (2026-01-30): PDI provided and cleared.<br>Reviewer Comment (2026-01-30): Valuation Received - [redacted] | 01/30/2026 |  |  | 1 A | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| |
|:---|
| ![](ex99-2sch5_001.jpg) |
| **Rating Agency Grades** |
| **Run Date - 2/2/2026 1:10:06 PM** |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Moody's** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Moody's** | **Morningstar** | **Morningstar** |
| (redacted) | 1 (redacted) |  |  | C | A | A | N/A | C | A | A | A | N/A | A |  |
| (redacted) | 2 (redacted) |  |  | C | A | A | N/A | C | A | A | A | N/A | A |  |
| (redacted) | 3 (redacted) |  |  | C | A | A | N/A | C | A | A | A | N/A | A |  |
| (redacted) | 4 (redacted) |  |  | A | B | A | N/A | B | A | B | A | N/A | B |  |
| (redacted) | 5 (redacted) |  |  | A | A | A | N/A | A | A | A | A | N/A | A |  |
| (redacted) | 6 (redacted) |  |  | C | B | A | N/A | C | A | B | A | N/A | B |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 6**

---

| |
|:---|
| ![](ex99-2sch6_001.jpg) |
| **Valuation Report** |
| **Run Date - 2/2/2026 1:10:06 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| (redacted) | 1 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 2 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 3 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 4 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 5 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 6 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.3

**Exhibit 99.3**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on loans acquired by Sutton Funding LLC in a bulk purchase. The review included a total of 99 residential closed-end second-lien mortgage loans in connection with the securitization identified as BARC 2026-CES1 (the "Securitization"). The Review was conducted from July 2024 through May 2025 on mortgage loans originated between July 2024 and April 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required.

For loans reviewed in a post-close valuation review scenario (99 loans in total):

Two (2) loans had a Secondary Appraisal, six (6) loans had AVMs, one (1) loan had an exterior-only appraisal, and forty-five (45) loans had a Desktop Review.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There was one (1) occurrence of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the ninety-nine (99) mortgage loans reviewed, fifty-nine (59) unique mortgage loans (59.60% by loan count) had a total of one hundred forty-nine (149) discrepancies across seventeen (17) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;40 | &nbsp;&nbsp;26.85% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;34 | &nbsp;&nbsp;22.82% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;22 | &nbsp;&nbsp;14.77% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;17 | &nbsp;&nbsp;11.41% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;6.71% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;9 | &nbsp;&nbsp;6.04% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**149** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of<br> Sample |
| Event Grade A | 88 | $16895106.00 | 88.89% |
| Event Grade B | 11 | $1448243.00 | 11.11% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 99 | $18343349.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 97 | 97.98% |
| Event Grade B | 2 | 2.02% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 99 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 2 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 2 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 2 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 88 | 90.72% |
| Event Grade B | 9 | 9.28% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 97 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results (Fitch only):** | **Valuation Results (Fitch only):** | **Valuation Results (Fitch only):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 98 | 98.99% |
| Event Grade B | 1 | 1.01% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 99 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;72 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***108*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;9 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;8 |
|  |  | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;6 |
|  |  | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;6 |
|  |  | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Missing Note | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Higher-Priced Mortgage Loan Required Escrow Account Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Late Charge Percent is greater than 6% | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***139*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;93 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***96*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology substantially meets the published guidelines, and no other property or valuation related defects were identified. If an appraisal was provided, the appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The valuation methodology did not meet the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. If an appraisal was provided, the appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. If an appraisal was provided, the appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing an origination valuation product or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 1** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 350000103 |  | Credit QM/ATR Designation | XXX | XXX | DSCR file is XXX |
| 350000103 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD, closing date is XX/XX/XXXX |
| 350000105 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | True Data is correct |
| 350000105 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | True Data is correct |
| 350000105 |  | Qualifying Total Debt Income Ratio | XXX | XXX | True Data is correct |
| 350000107 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial 1003 date vs Note date |
| 350000107 |  | Qualifying Total Debt Income Ratio | XXX | XXX | See Notes, No material issues |
| 350000113 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | See Initial 1003 |
| 350000113 |  | Credit QM/ATR Designation | XXX | XXX | NON QM |
| 350000113 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Disb Date XX/XX/XXXX |
| 350000121 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 in file |
| 350000121 |  | Credit QM/ATR Designation | XXX | XXX | business purpose |
| 350000143 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX of XX/XX/XXXX verified via the initial 1003. |
| 350000143 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due to property taxes and hazard insurance monthly payments are higher. |
| 350000145 |  | Number of Borrowers | XXX | XXX | XXX |
| 350000145 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX |
| 350000145 |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX |
| 350000147 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX |
| 350000147 |  | Credit QM/ATR Designation | XXX | XXX | XXX |
| 350000147 |  | Property Type | XXX | XXX | XXX |
| 350000157 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Verified to final CD |
| 350000157 |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is incorrect on the data tape - YTD does not support the income the lender is using to qualify. |
| 350000161 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX verified via the initial 1003. |
| 350000161 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI slightly higher due to income calculation is less than what lender used. |
| 350000165 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per FCD |
| 350000165 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Unable to verify the borrower has interest in the additional business (XXX) Stated on the XXX months of XXX XXX account Statements. This business is not shown on the 1003's or verified as the borrower's business in the file. Unable to verify XXX from this additional business. |
| 350000169 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Settlement date accurate |
| 350000169 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Within acceptable range |
| 350000171 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX verified via the initial 1003. |
| 350000171 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI lower due to consumer debt. |
| 350000181 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per F1003 and income |
| 350000183 |  | Borrower 1 Last Name | XXX | XXX | Per Note |
| 350000183 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 350000183 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debt |
| 350000193 |  | Borrower 2 First Name | XXX | XXX | Its the same but all caps is not permitted in our system. |
| 350000193 |  | Number of Borrowers | XXX | XXX | Per note. |
| 350000193 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003, the LO signed it on XXX/XXX/XXX. |
| 350000199 |  | Qualifying Total Debt Income Ratio | XXX | XXX | The Qualifying Total DTI is XXX%. The Audited Qualifying Total DTI is XXX%. The difference is XXX%. This appears to be rounding. |
| 350000205 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX per the Initial 1003 provided. |
| 350000205 |  | Qualifying Total Debt Income Ratio | XXX | XXX | The Qualifying Total DTI is XXX%. The Audited Qualifying Total DTI is XXX%. The difference is XXX%. Audited income is lower than Lender's income. Audited income matches Lender's income calculation except for XX/XX/XXXX where XXX Returned card credit was included in income total. Audited income XXX vs Lender Income $XXX. Lender's Income calculation $XXX. |
| 350000207 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 350000207 |  | Credit QM/ATR Designation | XXX | XXX | Per 1003 |
| 350000211 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 350000211 |  | Credit QM/ATR Designation | XXX | XXX | DSCR loan |
| 350000215 |  | Qualifying Total Debt Income Ratio | XXX | XXX | The Qualifying Total DTI is XXX%. The Audited Qualifying Total DTI is XXX%. The difference is XXX%. |
| 350000223 |  | Qualifying Total Debt Income Ratio | XXX | XXX | The DTI differs because the XXX is based on qualifying rate of XXX%. XXX is XXX Note is $XXX. |
| 350000225 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX per the Initial 1003 provided. |
| 350000225 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XXX/XXX/XXX. |
| 350000225 |  | Qualifying Total Debt Income Ratio | XXX | XXX | The Qualifying Total DTI is XXX%. The Audited Qualifying Total DTI is XXX%. The difference is XXX% The Borrowers' income was lower than lender's calculation. More significantly the Lender's All Other Monthly Payments used in Qualifying is XXX and Audit's is XXX Audit figure matches Final 1003 and Credit Report. All debts paid at close were taken into account. Unable to determine lenders All Other Monthly Payments used in Qualifying. |
| 350000227 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified XXX to 1003. |
| 350000227 |  | Credit QM/ATR Designation | XXX | XXX | The subject is a Business Purpose transaction. A Business Purpose transaction is XXX. |
| 350000229 |  | Borrower 1 First Name | XXX | XXX | Per Driver License |
| 350000229 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 350000229 |  | Qualifying CLTV | XXX | XXX | Used senior lien balance |
| 350000231 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 350000231 |  | Qualifying CLTV | XXX | XXX | Verified to liens and value |
| 350000231 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified income less liabilities |
| 350000233 |  | Qualifying LTV | XXX | XXX | Rounding |
| 350000235 |  | Qualifying CLTV | XXX | XXX | Per Note, Mortgage Statement and Appraisal. |
| 350000235 |  | Qualifying Total Debt Income Ratio | XXX | XXX | The file is missing bank Statement dated XXX/XXX. Audit used bank Statement dated XXX/XXX. |
| 350000237 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX per the Initial 1003 provided. |
| 350000237 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding still within tolerance |
| 350000239 |  | Credit QM/ATR Designation | XXX | XXX | Verified to loan approval and Guidelines |
| 350000239 |  | Qualifying CLTV | XXX | XXX | Verified Value and liens |
| 350000239 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. |
| 350000241 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 350000241 |  | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 350000241 |  | Qualifying LTV | XXX | XXX | Verified by the calculations. |
| 350000241 |  | Qualifying CLTV | XXX | XXX | Verified by the calculations. |
| 350000241 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. |
| 350000243 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 350000243 |  | Credit QM/ATR Designation | XXX | XXX | Subject loan is for Business Purposes |
| 350000245 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 350000245 |  | Qualifying CLTV | XXX | XXX | Used 1st lien balance |
| 350000245 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and debt |
| 350000247 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 350000247 |  | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 350000247 |  | Qualifying CLTV | XXX | XXX | Verified by the calculations. |
| 350000249 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX Per Initial 1003 is XXX/XXX/XXX. |
| 350000249 |  | Qualifying CLTV | XXX | XXX | Subject loan XXX + 1st Mortgage UPB $$XXX/ Value XXX = 10.15% LTV. |
| 350000249 |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is XXX Income $XXX/ Liabilities $XXX. Difference is due to Lender showing Subject PITI as $XXX. |
| 350000251 |  | Credit QM/ATR Designation | XXX | XXX | Business Purpose Loan |
| 350000251 |  | Qualifying CLTV | XXX | XXX | Per 1st lien balance |
| 350000253 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. Within tolerance. |
| 350000255 |  | Number of Borrowers | XXX | XXX | Verified by the Note. |
| 350000255 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 350000255 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations - within tolerance. |
| 350000257 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 350000257 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the Note. |
| 350000257 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. Within tolerance. |
| 350000259 |  | Credit QM/ATR Designation | XXX | XXX | Per loan approval DSCR Loan |
| 350000261 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 350000261 |  | Credit QM/ATR Designation | XXX | XXX | Business Purpose Loan |
| 350000263 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 350000263 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations - within tolerance. |
| 350000265 |  | Number of Borrowers | XXX | XXX | Per Note |
| 350000265 |  | Credit QM/ATR Designation | XXX | XXX | Business Purpose Loan |
| 350000267 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial loan application |
| 350000267 |  | Credit QM/ATR Designation | XXX | XXX | Credit QM-ATR Designation per Deal Guide |
| 350000267 |  | Qualifying CLTV | XXX | XXX | 1st lien balance taken from the mortgage Statement, resulting in the lower CLTV. |
| 350000269 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 350000269 |  | Qualifying CLTV | XXX | XXX | Per 1st lien balance |
| 350000269 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and debt |
| 350000271 |  | Number of Borrowers | XXX | XXX | Verified by the Note. |
| 350000271 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 350000271 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Verified to final CD |
| 350000271 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. |
| 350000273 |  | Borrower 1 Last Name | XXX | XXX | Verified by the ID. |
| 350000273 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 350000273 |  | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 350000275 |  | Number of Borrowers | XXX | XXX | Per Note |
| 350000275 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 350000275 |  | Credit QM/ATR Designation | XXX | XXX | Business Purpose Loan |
| 350000275 |  | Property Type | XXX | XXX | Per Appraisal |
| 350000277 |  | Credit QM/ATR Designation | XXX | XXX | Business Purpose Loan |
| 350000279 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003. |
| 350000279 |  | Credit QM/ATR Designation | XXX | XXX | DSCR making the loan exempt from QM-ATR. |
| 350000279 |  | Qualifying CLTV | XXX | XXX | UPB updated using most recent credit report. |
| 350000281 |  | Number of Borrowers | XXX | XXX | Verified by the Note. |
| 350000281 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 350000281 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. |
| 350000283 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX updated as Per Initial 1003 pg XXX |
| 350000283 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Closing Settlement Date updated as per Mortgage Document |
| 350000283 |  | Qualifying CLTV | XXX | XXX | UPB updated as per Mortgage Statement pg XXX |
| 350000283 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified DTI of XXX%. HOI premium missing in HOI Document, DTI hits, HOI document request, The XXX Bank XXX (#XXX) trade line is not available in the Final 1003 and Credit Report. However, it is reflected in the Credit Supplement on page XXX so I will include this trade line for DTI. |
| 350000285 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 350000285 |  | Qualifying CLTV | XXX | XXX | per appraisal value |
| 350000287 |  | Property Address | XXX | XXX | Per note. |
| 350000287 |  | Credit QM/ATR Designation | XXX | XXX | BPL making the loan exempt from QM-ATR. |
| 350000287 |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI lower due to consumer debt. |
| 350000289 |  | Number of Borrowers | XXX | XXX | XXX confirmed with Final 1003 provided. |
| 350000289 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX confirmed with Initial 1003 provided. |
| 350000289 |  | Qualifying CLTV | XXX | XXX | XXX confirmed with Appraisal provided. |
| 350000289 |  | Qualifying Total Debt Income Ratio | XXX | XXX | The lender did not include Taxes and Insurance for subject property. |
| 350000291 |  | Number of Borrowers | XXX | XXX | Number of Borrower confirmed in Note document. |
| 350000291 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified XX/XX/XXXX with the LO signature on the Final 1003. |
| 350000291 |  | Credit QM/ATR Designation | XXX | XXX | Verified XXX designation with the loan approval. |
| 350000291 |  | Qualifying CLTV | XXX | XXX | UPB updated as per the recent mortgage Statement. |
| 350000293 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 350000293 |  | Qualifying CLTV | XXX | XXX | per appraisal value |
| 350000293 |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI change due to omitting WFBNA Auto less than XXX installment payments left. |
| 350000295 |  | PITIA | $XXX | $XXX | PITIA is XXX inclusive of taxes and insurance |
| 350000295 |  | Monthly Insurance | $XXX | $XXX | XXX and taxes must be reported even if there are no escrows present |
| 350000295 |  | Monthly Taxes | $XXX | $XXX | XXX and taxes must be reported even if there are no escrows present |
| 350000295 |  | As-Is Value | $XXX | $XXX | As is value is XXX per appraisal dated XX/XX/XXXX |
| 350000295 |  | Original LTV | XXX | XXX | XXX loan amount / XXX as is value = 10.15% LTV |
| 350000297 |  | PITIA | $XXX | $XXX | PITIA is XXX inclusive of taxes and insurance |
| 350000297 |  | Monthly Insurance | $XXX | $XXX | XXX and taxes must be reported even if there are no escrows present |
| 350000297 |  | Monthly Taxes | $XXX | $XXX | XXX and taxes must be reported even if there are no escrows present |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 350000101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/19/2024 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing The Business Purpose Affidavit was not provided. Unable to review. | Document Uploaded. | 07/24/2024 | Additional documentation provided; exception resolved. Lender provided Business Purpose Affidavit.; Business Purpose Affidavit/Disclosure Provided | 07/24/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 17.39% is less than Guideline LTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/19/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 9.76% is less than Guideline LTV of 9.76% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2024 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Title policy on file is for XXX and not for the subject property. Unable to verify vesting. Please provide title policy for subject property- XXX - XXX. | Document Uploaded. | 07/25/2024 | Title Document is fully Present; Additional documentation provided; exception resolved. Lender provided requested Title. | 08/26/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 9.76% is less than Guideline LTV of 75% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/24/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 20.28% is less than Guideline LTV of 20.28% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CW_##, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 07/24/2024 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 20.28% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 07/24/2024 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 19.88% is less than Guideline LTV of 19.88% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/24/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 19.88% is less than Guideline LTV of 19.88% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/24/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 19.88% is less than Guideline LTV of 19.88% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/29/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 19.88% is less than Guideline LTV of 13.26% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/29/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 13.26% is less than Guideline LTV of 13.26% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_DD_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 08/02/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 13.26% is less than Guideline LTV of 18.45% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/01/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 18.45% is less than Guideline LTV of 18.45% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/01/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 18.45% is less than Guideline LTV of 18.45% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_DD_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 08/12/2024 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 18.45% is less than Guideline LTV of 70% D A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 08/12/2024 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 17.18% D A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2024 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test. Closed-end [[(12 CFR ##_DD_## , transferred from 12 CFR ##_CL_##), Open-end [[(12 CFR ##_DO_## , transferred from XXX CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR ##_DE_## or §1026.15, or delivery of all material disclosures, whichever occurs last. The Right to Cancel date is less than XXX business days after consummation. | Document Uploaded. | 08/09/2024 | PCCD provided; exception resolved; PCCD provided; exception resolved | 08/12/2024 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 17.18% D A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2024 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | The lender credit decreased from XXX to XXX on the final CD. There is no COC, lender cure or PCCD provided. This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 08/05/2024 | Valid COC provided, exception resolved.; Valid COC provided, exception resolved. | 08/06/2024 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 17.18% D A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/02/2024 | Resolved | finding-3343 | Compliance | Higher-Priced Mortgage Loan Required Escrow Account Test | HPML is compliant. This loan failed the higher-priced mortgage loan required escrow account test. [[(XXX CFR §1026.35(b) his loan fails to collect reserves for either: The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, or The loan contains a custom fee with an XXXd attribute of "escrow or reserves" but the fee does not have a dollar value listed; or The payment of property taxes for condominium, or high rise condominium, or planned unit development. Except as provided in 1026.35(b)(XXX) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss. Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings LEASE NOTE:(XXX his test does not consider whether the creditor complies with XXX CFR §1026.35(b)(XXX)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(XXX his test does not account for instances when mortgage insurance reserves must be escrowed based on XXX CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 08/06/2024 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 17.18% D A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/02/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 17.18% D A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/02/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 17.18% D A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2024 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | Document Uploaded. Business Purpose Affidavit | 08/16/2024 | Business Purpose Affidavit/Disclosure Provided; Additional documentation provided; exception resolved. | 08/17/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 23.12% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 23.12% is less than Guideline LTV of 23.12% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2024 | Resolved | finding-3716 | Compliance | CA Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. TILA 130b cure required Refund in the amount of XXX requires a PCCD, LOE, copy of refund check and proof of delivery to the borrower. Prepaid interest was collected more than XXX days past consummation date and because this occurred before rescission ended, this exception is valid. | Document Uploaded. | 08/12/2024 | PCCD provided with corrected loan disbursement date, exception resolved.; PCCD provided with corrected loan disbursement date, exception resolved. | 08/12/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 23.12% is less than Guideline LTV of 22.24% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 08/12/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 22.24% is less than Guideline LTV of 22.24% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 08/12/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 22.24% is less than Guideline LTV of 22.24% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 22.24% is less than Guideline LTV of 22.24% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 22.24% is less than Guideline LTV of 22.24% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2024 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned documents consent is missing. Documentation Required: The file is missing the eSigned consent form signed by the borrower within XXX business days of the application. | Document Uploaded. | 08/14/2024 | E Consent provided; Exception resolved; E Consent provided; Exception resolved; E Consent provided; Exception resolved | 08/19/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 22.24% is less than Guideline LTV of 18.13% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B NA | B A | B A NA | B A NA | B A NA | B A NA | A | A NA | A NA | A NA | A |
| 350000117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 18.13% is less than Guideline LTV of 18.13% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B NA | B A | B A NA | B A NA | B A NA | B A NA | A | A NA | A NA | A NA | A |
| 350000117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 18.13% is less than Guideline LTV of 18.13% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B NA | B A | B A NA | B A NA | B A NA | B A NA | A | A NA | A NA | A NA | A |
| 350000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2024 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing from file | Document Uploaded. Hi, please see attached. | 08/27/2024 | Additional documentation provided; exception resolved. Lender provided Business Purpose Cert. | 08/27/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 18.13% is less than Guideline LTV of 19.8% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 19.8% is less than Guideline LTV of 19.8% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2024 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Please provide a copy of the fully executed business purpose disclosure as there is one for the file. | Document Uploaded. | 08/15/2024 | Additional documentation provided; exception resolved.; Business Purpose Affidavit/Disclosure Provided | 08/15/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 19.8% is less than Guideline LTV of 23.14% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 23.14% is less than Guideline LTV of 23.14% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 08/14/2024 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 23.14% is less than Guideline LTV of 80% XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML compliant addressed exception This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 08/14/2024 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 55.89% is less than Guideline CLTV of 55.89% XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2024 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 55.89% is less than Guideline CLTV of 55.89% XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 55.89% is less than Guideline CLTV of 55.89% XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant and allowed per lender guidelines, therefore downgraded to grade A |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 09/20/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.89% is less than Guideline LTV of 15.04% \| XXX is Below the Guideline Maximum - Calculated LTV of 15.04% is less than Guideline LTV of 46.67% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant and allowed per lender guidelines, therefore downgraded to grade A |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 09/20/2024 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline LTV of 46.67% \| XXX is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline LTV of 46.67% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline LTV of 46.67% \| XXX is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline LTV of 46.67% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline LTV of 46.67% \| XXX is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline LTV of 46.67% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/20/2024 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 10/08/2024 | Evidence of eConsent is provided. | 10/24/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline CLTV of 53.36% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/20/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/23/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated CLTV of 53.36% is less than Guideline CLTV of 53.36% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/20/2024 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to CLTV of 77.29% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOX, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to the decrease in lender credit on the Final CD, COC dated XX/XX/XXXX was found in the file explaining the reason for the decrease but was dated greater than XXX business days from the final CD of XX/XX/XXXX. Please provide a Valid COC, revised CD within XXX days of the COC or Cure Package. | Document Uploaded. | 10/22/2024 | Cure package provided; Exception downgraded to a 2/B; Cure package provided; Exception downgraded to a 2/B | 10/23/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated CLTV of 53.36% is less than Guideline CLTV of 53.36% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/20/2024 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated CLTV of 53.36% is less than Guideline CLTV of 53.36% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/20/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated CLTV of 53.36% is less than Guideline CLTV of 53.36% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2024 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 10/04/2024 | Evidence of eConsent is provided. | 10/07/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.36% is less than Guideline LTV of 15% \| XXX is Below the Guideline Maximum - Calculated LTV of 15% is less than Guideline CLTV of 31.28% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/05/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.28% is less than Guideline CLTV of 31.28% \| XXX is Below the Guideline Maximum - Calculated CLTV of 31.28% is less than Guideline CLTV of 31.28% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2024 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to CLTV of 77.29% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOX, Copy of a refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to the decrease in lender credits on the CD dated XX/XX/XXXX and no COC was found in the file explaining the reason for why the fee decreased. Please provide a Valid COC or Cure Cure Package | Document Uploaded. | 10/04/2024 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 10/05/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.28% is less than Guideline CLTV of 31.28% \| XXX is Below the Guideline Maximum - Calculated CLTV of 31.28% is less than Guideline CLTV of 31.28% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/05/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.28% is less than Guideline CLTV of 31.28% \| XXX is Below the Guideline Maximum - Calculated CLTV of 31.28% is less than Guideline CLTV of 31.28% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.28% is less than Guideline CLTV of 31.28% \| XXX is Below the Guideline Maximum - Calculated CLTV of 31.28% is less than Guideline CLTV of 31.28% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.28% is less than Guideline CLTV of 31.28% \| XXX is Below the Guideline Maximum - Calculated CLTV of 31.28% is less than Guideline CLTV of 31.28% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2024 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 10/04/2024 | Evidence of eConsent is provided. | 10/07/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.28% is less than Guideline LTV of 14.52% \| XXX is Below the Guideline Maximum - Calculated LTV of 14.52% is less than Guideline LTV of 28.6% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B NA | B A | B A NA | B A NA | B A NA | B A NA | A | A NA | A NA | A NA | A |
| 350000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/02/2024 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 28.6% is less than Guideline LTV of 28.6% \| XXX is Below the Guideline Maximum - Calculated LTV of 28.6% is less than Guideline LTV of 28.6% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B NA | B A | B A NA | B A NA | B A NA | B A NA | A | A NA | A NA | A NA | A |
| 350000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/02/2024 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 28.6% is less than Guideline LTV of 28.6% \| XXX is Below the Guideline Maximum - Calculated LTV of 28.6% is less than Guideline LTV of 28.6% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B NA | B A | B A NA | B A NA | B A NA | B A NA | A | A NA | A NA | A NA | A |
| 350000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 28.6% is less than Guideline LTV of 28.6% \| XXX is Below the Guideline Maximum - Calculated LTV of 28.6% is less than Guideline LTV of 28.6% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B NA | B A | B A NA | B A NA | B A NA | B A NA | A | A NA | A NA | A NA | A |
| 350000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 28.6% is less than Guideline LTV of 28.6% \| XXX is Below the Guideline Maximum - Calculated LTV of 28.6% is less than Guideline LTV of 28.6% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B NA | B A | B A NA | B A NA | B A NA | B A NA | A | A NA | A NA | A NA | A |
| 350000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant- Appraisal requirement met |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/07/2024 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 28.6% is less than Guideline LTV of 15.38% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant- Appraisal requirement met |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/07/2024 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 15.38% is less than Guideline LTV of 15.38% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 15.38% is less than Guideline LTV of 15.38% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 15.38% is less than Guideline LTV of 15.38% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 15.38% is less than Guideline CLTV of 61.78% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.78% is less than Guideline CCLTV of 61.78% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/04/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 31.67% is less than Guideline LTV of 31.67% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.67% is less than Guideline CLTV of 31.67% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/04/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 31.67% is less than Guideline LTV of 31.67% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.67% is less than Guideline CLTV of 31.67% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/04/2024 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 10/15/2024 | Evidence of eConsent is provided. | 10/15/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 31.67% is less than Guideline LTV of 24.15% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/04/2024 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to CLTV of 77.29% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOX, Copy of refund check and proof of delivery the borrower OR Valid COC. The Zero tolerance violation is due to the increase in Broker Fee and Discount Points on the Final CD dated XXX and no COC was found in the file explaining the reason for why the fees increased. Please provide a Valid COC or Cure Package | Document Uploaded. | 10/10/2024 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 10/11/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 24.15% is less than Guideline LTV of 24.15% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 24.15% is less than Guideline LTV of 24.15% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 24.15% is less than Guideline LTV of 24.15% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/04/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/11/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 24.15% is less than Guideline LTV of 18.51% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/04/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/11/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 18.51% is less than Guideline LTV of 18.51% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/04/2024 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test. Closed-end [[(CLTV of 77.29% transferred from CLTV of 77.29% Open-end [[(CLTV of 77.29% transferred from XXX CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by CLTV of 77.29% or delivery of all material disclosures, whichever occurs last. The Right of Rescission transaction date is XX/XX/XXXX. The Right to Cancel date would be the third business day following the transaction date. | Document Uploaded. | 10/10/2024 | PCCD provided with updated disbursement date; Exception resolved; PCCD provided with updated disbursement date; Exception resolved | 10/11/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 18.51% is less than Guideline LTV of 18.51% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 18.51% is less than Guideline LTV of 18.51% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 18.51% is less than Guideline LTV of 18.51% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/09/2024 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 18.51% is less than Guideline LTV of 20.33% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 20.33% is less than Guideline LTV of 20.33% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 20.33% is less than Guideline LTV of 20.33% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000143 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/09/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000143 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000143 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/09/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 20.33% is less than Guideline CLTV of 64.7% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.7% is less than Guideline CCLTV of 64.7% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/09/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 8.89% is less than Guideline LTV of 8.89% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 8.89% is less than Guideline CLTV of 8.89% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 8.89% is less than Guideline LTV of 8.89% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 8.89% is less than Guideline CLTV of 8.89% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 8.89% is less than Guideline LTV of 8.89% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 8.89% is less than Guideline CLTV of 8.89% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 8.89% is less than Guideline CLTV of 66.64% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated CLTV of 66.64% is less than Guideline CLTV of 66.64% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/18/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2024 | Resolved | FVAL3244 | Compliance | Missing Note | Missing note for 1st lien opened XX/XX/XXXX for XXX lender provided previous note dated XX/XX/XXXX. | Document Uploaded. | 10/24/2024 | 1st Lien note provided | 10/25/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.64% is less than Guideline LTV of 21.05% \| XXX is Below the Guideline Maximum - Calculated LTV of 21.05% is less than Guideline CLTV of 51.18% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.18% is less than Guideline CLTV of 51.18% \| XXX is Below the Guideline Maximum - Calculated CLTV of 51.18% is less than Guideline CLTV of 51.18% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.18% is less than Guideline CLTV of 51.18% \| XXX is Below the Guideline Maximum - Calculated CLTV of 51.18% is less than Guideline CLTV of 51.18% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/24/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.18% is less than Guideline LTV of 14.29% \| XXX is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 14.55% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 14.55% is less than Guideline LTV of 14.55% \| XXX is Below the Guideline Maximum - Calculated LTV of 14.55% is less than Guideline LTV of 14.55% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 14.55% is less than Guideline LTV of 14.55% \| XXX is Below the Guideline Maximum - Calculated LTV of 14.55% is less than Guideline LTV of 14.55% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2024 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The YTD earnings for base income and overtime from XX/XX/XXXX-XX/XX/XXXX does not support XXX per monthnth in income. The auditor has calculated the base income as XXX per monthnth and the overtime income as XXX per monthnth. This results in a DTI of XXX% which exceeds the XXX% guideline. Subject PITIA $XXX. Other debt $XXX. Total monthly liabilities $XXX. | Recalculated income using payrate supported by WVOE in file and submitted Lender Income Worksheet in Rebuttal of $XXX/HR since Borrower has returned to work from being on XXX status and back to full pay. Review income does not included Bonus/OT as most conservative approach since Lender did not include per Rebuttal doc provided.; WVOE in file ; $XXX/hour full time employee was used for income qualifying. ITIN WVOE + Tax Returns program. | 10/30/2024 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX%; Additional documentation provided; exception resolved.; Audited DTI of XXX% exceeds Guideline DTI of XXX% | 11/06/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2024 | Resolved | FCRE1200 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX | Document Uploaded. See Matrix XX/XX/XXXX showing minimum loan amount XXX | 10/29/2024 | Audited Loan Amount of XXX is greater than or equal to the Guideline Minimum Loan Amount of $XXX; Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of $XXX; Additional documentation provided; exception resolved. | 11/06/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2024 | Resolved | FCRE1497 | Credit | ATR: XXX Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered The YTD earnings for base income and overtime from XX/XX/XXXX-XX/XX/XXXX does not support XXX per monthnth in income. The auditor has calculated the base income as XXX per monthnth and the overtime income as XXX per monthnth. This results in a DTI of XXX% which exceeds the XXX% guideline. Subject PITIA $XXX. Other debt $XXX. Total monthly liabilities $XXX. | Recalculated income using payrate supported by WVOE in file and submitted Lender Income Worksheet in Rebuttal of $XXX/HR since Borrower has returned to work from being on XXX status and back to full pay. Review income does not included Bonus/OT as most conservative approach since Lender did not include per Rebuttal doc provided. | 10/30/2024 | ATR: XXX Income or Assets Was Considered; ATR: XXX Income or Assets Not Considered; Additional documentation provided; exception resolved. | 11/06/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2024 | Resolved | FCRE1438 | Credit | ATR Risk | ATR Risk The auditor has calculated the base income for the borrower as XXX per monthnth and the overtime income as XXX per monthnth. This results in a DTI of XXX% which exceeds the lender's guidelines. The YTD for XX/XX/XXXX-XX/XX/XXXX supports this income. | Recalculated income using payrate supported by WVOE in file and submitted Lender Income Worksheet in Rebuttal of $XXX/HR since Borrower has returned to work from being on XXX status and back to full pay. Review income does not included Bonus/OT as most conservative approach since Lender did not include per Rebuttal doc provided. | 10/30/2024 | Additional documentation provided; exception resolved.; ATR Risk Resolved | 11/06/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 11/04/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 11/04/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test. Closed-end [[(CLTV of 77.29% transferred from CLTV of 77.29% Open-end [[(CLTV of 77.29% transferred from XXX CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by CLTV of 77.29% or delivery of all material disclosures, whichever occurs last. Documentation required: Right to Cancel in file expires on XX/XX/XXXX; however, the disbursement date on the Final CD is XX/XX/XXXX. Disbursement cannot occur the day of expiration. | Document Uploaded. | 11/01/2024 | PCCD provided with corrected disbursement date, exception resolved.; PCCD provided with corrected disbursement date, exception resolved. | 11/04/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2024 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing Lender Income Calculation Worksheet | Document Uploaded. ; Lender requested clarity of exception. Loan is missing the Lender Income Calculation Worksheet. Please provide.; Is this a condition | 10/29/2024 | Additional documentation provided; exception resolved.; Additional information provided; exception remains. | 10/30/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/25/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 14.55% is less than Guideline LTV of 10.87% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 10/25/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 10.87% is less than Guideline LTV of 10.87% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 10.87% is less than Guideline LTV of 10.87% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 10.87% is less than Guideline LTV of 10.87% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2024 | Resolved | FVAL3244 | Compliance | Missing Note | Note provided for 1st lien reflects loan amount of XXX however the credit report reflects a loan amount of XXX Provide explanation for discrepancy. | Document Uploaded. ; Document Uploaded. we have not been able to secure the Note. Attached is a copy of the DOT which confirms loan amount and terms. A copy of the mtg has already been provided to confirm rate. | 11/15/2024 | Additional documentation provided; exception resolved. | 11/20/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D NA | D A | D A NA | D A NA | D A NA | D A NA | A | A NA | A NA | A NA | A |
| 350000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 10.87% is less than Guideline CLTV of 26.91% Calculated LTV of 10.87% is less than Guideline CLTV of 26.91%. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.91% is less than Guideline CCLTV of 26.91% Calculated CLTV of 26.91% is less than Guideline CCLTV of 26.91%. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 10.94% is less than Guideline LTV of 10.94% Calculated LTV of 10.94% is less than Guideline LTV of 10.94%. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 10.94% is less than Guideline CLTV of 10.94% Calculated LTV of 10.94% is less than Guideline CLTV of 10.94%. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 10.94% is less than Guideline LTV of 10.94% Calculated LTV of 10.94% is less than Guideline LTV of 10.94%. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 10.94% is less than Guideline CLTV of 10.94% Calculated LTV of 10.94% is less than Guideline CLTV of 10.94%. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2024 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Unable to verify the borrower has interest in the additional business (XXX) Stated on the XXX months of XXX XXX account Statements. This business is not shown on the 1003's or verified as the borrower's business in the file. Unable to verify XXX from this additional business. | Document Uploaded. Hi, please see documents from our UW. | 11/04/2024 | Income and Employment Do Not Meet Guidelines; Income and Employment Do Not Meet Guidelines; Income and Employment Do Not Meet Guidelines; Income and Employment Do Not Meet Guidelines; Income and Employment Do Not Meet Guidelines; Income and Employment Do Not Meet Guidelines; Additional documentation provided; exception resolved. | 12/04/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 10.94% is less than Guideline CLTV of 67.07% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2024 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Unable to verify the borrower has interest in the additional business (XXX) Stated on the XXX months of XXX XXX account Statements. This business is not shown on the 1003's or verified as the borrower's business in the file. Unable to verify XXX from this additional business. | Document Uploaded. Hi, please see documents from our UW. | 11/04/2024 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX%; Additional documentation provided; exception resolved. | 12/04/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 67.07% is less than Guideline CLTV of 67.07% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 67.07% is less than Guideline CLTV of 67.07% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 67.07% is less than Guideline CLTV of 67.07% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2024 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for increase in appraisal fee from XXX to $XXX. COC provided insufficient. Cure requirements include PCCD, LOE, copy of refund check, and proof of mailing. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to CLTV of 77.29% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 11/13/2024 | Cure package provided, exception downgraded to a 2/B.; Cure package provided, exception downgraded to a 2/B. | 11/14/2024 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 11/14/2024 | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2024 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. Hi, borrower is Self XXX. Self XXX verification documents are on pages XXX - XXX of our package. | 11/06/2024 | Additional information provided; exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 11/06/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.07% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 12.16% is less than Guideline LTV of 26.06% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 11/05/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 26.06% is less than Guideline LTV of 26.06% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 26.06% is less than Guideline LTV of 26.06% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 26.06% is less than Guideline LTV of 26.06% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 26.06% is less than Guideline LTV of 26.06% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2024 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to CLTV of 77.29% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase of the appraisal fee from XXX to XXX on the final CD. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 11/20/2024 | Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B; Receipt of the invoice is not a valid reason for the increase in appraisal fee. ; The COC provided indicated the appraisal increased, however it didn't give a reason for the fee increase therefore it is not considered valid. | 11/21/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2024 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VOE in file | Document Uploaded. | 11/07/2024 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Additional documentation provided; exception resolved. | 11/08/2024 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 26.06% is less than Guideline LTV of 11.71% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 11.71% is less than Guideline LTV of 11.71% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 11/06/2024 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 11.71% is less than Guideline LTV of 11.71% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2024 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Not in file | Page XXX of Trailing Docs; Document Uploaded. | 11/12/2024 | Additional documentation provided; exception resolved.; Business Purpose Affidavit/Disclosure Provided | 11/19/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 11.71% is less than Guideline LTV of 20.58% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 20.58% is less than Guideline LTV of 20.58% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 20.58% is less than Guideline LTV of 20.58% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/09/2024 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to CLTV of 77.29% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOX, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in Discount Points on the CD dated XXX and no COC was found in the file explaining the reason for the increase. Please provide a Valid COC or Cure Package | Document Uploaded. | 11/12/2024 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 11/12/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 20.58% is less than Guideline CLTV of 43.79% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.79% is less than Guideline CCLTV of 43.79% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 23.33% is less than Guideline LTV of 23.33% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 23.33% is less than Guideline CLTV of 23.33% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 23.33% is less than Guideline LTV of 23.33% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 23.33% is less than Guideline CLTV of 23.33% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2024 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Please provide copy of prior insurance policy to confirm coverage | Document Uploaded. ; Document Uploaded. | 11/18/2024 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; PCCD provided shows disbursement date of XXX/XXX/XXX. Please provide copy of prior insurance policy to confirm coverage, policy in file is effective XX/XX/XXXX to XXX-XXX-XXX. Need proof of coverage from XX/XX/XXXX to XX/XX/XXXX | 11/19/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 23.33% is less than Guideline LTV of 30.62% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/09/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 30.62% is less than Guideline LTV of 30.62% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 30.62% is less than Guideline LTV of 30.62% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2024 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VOE | CPA letter in file, acts as VOE | 11/13/2024 | Additional information provided; exception resolved. Lender allowed to use CPA Letter as evidence of self-employment per GLs page XXX.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 11/13/2024 | Original CLTV is Below the Guideline Maximum \| XXX is Below the Guideline Maximum - Calculated LTV of 30.62% is less than Guideline LTV of 23.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/08/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum \| XXX is Below the Guideline Maximum - Calculated LTV of 23.08% is less than Guideline LTV of 23.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum \| XXX is Below the Guideline Maximum - Calculated LTV of 23.08% is less than Guideline LTV of 23.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 11/13/2024 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 23.08% is less than Guideline LTV of 34.24% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 11/13/2024 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 34.24% is less than Guideline LTV of 34.24% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2024 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 34.24% is less than Guideline LTV of 34.24% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 34.24% is less than Guideline LTV of 34.24% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2024 | Resolved | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX | Document Uploaded. | 12/04/2024 | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | 12/04/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 34.24% is less than Guideline LTV of 5.77% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 5.77% is less than Guideline LTV of 5.77% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit issues. The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 5.77% is less than Guideline LTV of 5.77% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2024 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 5.77% is less than Guideline LTV of 5.77% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/15/2024 | Resolved | FCRE1200 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Minimum loan amount is XXX for CES | Document Uploaded. | 11/19/2024 | Audited Loan Amount of XXX is greater than or equal to the Guideline Minimum Loan Amount of XXX | 11/25/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 5.77% is less than Guideline CLTV of 37.1% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.1% is less than Guideline CCLTV of 37.1% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/15/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 23.26% is less than Guideline LTV of 23.26% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 23.26% is less than Guideline CLTV of 23.26% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/15/2024 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 23.26% is less than Guideline LTV of 23.26% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 23.26% is less than Guideline CLTV of 23.26% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2024 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX and XXX personal tax returns and XXX transcript to calculate rental income for the properties at XXX XXX and XXX. Note: lease agreements were used to calculate rental income, however per lease agreements in file, the properties were previously rented for the last two years. Also, the XXX transcript in file reflects rental income was received in XXX Per guidelines, long term rental income is documented with the most recent two years personal tax returns (including all schedules) and transcripts, signed and dated by the borrower. | Lender provided instructions that loan was an Alt Doc loan approval with XXX months bank Statements showing rents received on two multi-unit REOs. Leases with updates in file. | 11/22/2024 | Additional information provided; exception resolved. | 12/04/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 23.26% is less than Guideline LTV of 15.82% Calculated LTV of 23.26% is less than Guideline LTV of 15.82%. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 15.82% is less than Guideline LTV of 15.82% Calculated LTV of 15.82% is less than Guideline LTV of 15.82%. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 11/21/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 15.82% is less than Guideline LTV of 15.82% Calculated LTV of 15.82% is less than Guideline LTV of 15.82%. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 11/21/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 15.82% is less than Guideline LTV of 15.82% Calculated LTV of 15.82% is less than Guideline LTV of 15.82%. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 12/13/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 15.82% is less than Guideline LTV of 20.18% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 12/13/2024 | XXX is Below the Guideline Maximum - Calculated LTV of 20.18% is less than Guideline LTV of 20.18% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 20.18% is less than Guideline LTV of 20.18% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2024 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 20.18% is less than Guideline LTV of 20.18% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2024 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Missing verification of two liabilities reported on the Final 1003. Per Final 1003, there are two liabilities that could not be verified on the credit report: XXX #XXX with a balance of XXX and monthly payment of XXX and XXX with a balance of XXX and a monthly payment of XXX Note: XXX was excluded from the DTI, due to being paid off at closing. | Lender provided Credit refresh showing XXX XXX current with balance iao XXX at XXX per monthnth.; Document Uploaded. | 12/17/2024 | Additional documentation provided; exception resolved. | 12/17/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 20.18% is less than Guideline CLTV of 36.3% Calculated LTV of 20.18% is less than Guideline CLTV of 36.3%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 12/16/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 36.3% is less than Guideline CLTV of 36.3% Calculated CLTV of 36.3% is less than Guideline CLTV of 36.3%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 12/16/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 36.3% is less than Guideline CLTV of 36.3% Calculated CLTV of 36.3% is less than Guideline CLTV of 36.3%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2024 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to CLTV of 77.29% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOX, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in Discount Points on the Final CD dated XXX and No COC was found in the file explaining the reason for why the fee increased. Please provide a Valid COC or Cure Package | Document Uploaded. | 12/16/2024 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 12/16/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 36.3% is less than Guideline CLTV of 36.3% Calculated CLTV of 36.3% is less than Guideline CLTV of 36.3%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 36.3% is less than Guideline CLTV of 36.3% Calculated CLTV of 36.3% is less than Guideline CLTV of 36.3%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.3% is less than Guideline LTV of 15.29% Calculated CLTV of 36.3% is less than Guideline LTV of 15.29%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 15.29% is less than Guideline LTV of 25.11% Calculated LTV of 15.29% is less than Guideline LTV of 25.11%. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 25.11% is less than Guideline LTV of 25.11% Calculated LTV of 25.11% is less than Guideline LTV of 25.11%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 25.11% is less than Guideline LTV of 25.11% Calculated LTV of 25.11% is less than Guideline LTV of 25.11%. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 25.11% is less than Guideline LTV of 25.11% Calculated LTV of 25.11% is less than Guideline LTV of 25.11%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 25.11% is less than Guideline LTV of 25.11% Calculated LTV of 25.11% is less than Guideline LTV of 25.11%. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2024 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal States the owner of public record is XXX. The Title Commitment States the property has been in the name of all XXX people on the mortgage since XXX Issue was addressed in an email on page XXX Require an LOE for the owner of record shown on the appraisal. | Document Uploaded. | 12/27/2024 | Appraisal received with owner of record updated.; Property/Appraisal Meets Guidelines | 01/16/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 25.11% is less than Guideline LTV of 19.23% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2024 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/16/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 19.23% is less than Guideline LTV of 19.23% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2024 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/16/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 19.23% is less than Guideline LTV of 19.23% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2024 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(CLTV of 77.29% transferred from CLTV of 77.29% Open-end [[(CLTV of 77.29% transferred from XXX CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by CLTV of 77.29% or delivery of all material disclosures, whichever occurs last. The Right to Cancel indicates a transaction date of XX/XX/XXXX. Consummation of loan is XX/XX/XXXX. Based on the consummation date of XX/XX/XXXX, the three day right of rescission expires on XX/XX/XXXX. The Right to Cancel has a rescission period to expire on XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 01/13/2025 | PCCD with corrected loan disbursement date provided, exception resolved.; PCCD with corrected loan disbursement date provided, exception resolved.; Appraisal doc and FNMA and FHLMC UCDP uploaded. These documents do not have reference to the outstanding exception. | 01/14/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 19.23% is less than Guideline LTV of 19.23% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 19.23% is less than Guideline LTV of 19.23% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 19.23% is less than Guideline CLTV of 63.8% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.8% is less than Guideline CCLTV of 63.8% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2024 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 22.22% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline CLTV of 22.22% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 22.22% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline CLTV of 22.22% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 77.29% exceeds Guideline CLTV of 75%. ender exception not in file to exceed guideline maximum of XXX% for Full Doc CES standard. | Document Uploaded. | 01/17/2025 | Compensating factors: Dti Low, under XXX% Residual Income at least XXX per month. Exception for XXX% when guidelines allow max XXX% for fico of XXX | 01/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 39.36% Calculated LTV of 22.22% is less than Guideline LTV of 39.36%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C NA | C NA | C NA | C B NA | A B | A B NA | A B NA | A B NA | A |
| 350000201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 77.29% exceeds Guideline HCLTV of 75% ender exception not in file to exceed guideline maximum of XXX% for Full Doc CES standard. | Document Uploaded. | 01/17/2025 | Compensating factors: Dti Low, under XXX% Residual Income at least XXX per month. Exception for XXX% when guidelines allow max XXX% for fico of XXX | 01/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 39.36% is less than Guideline LTV of 39.36% Calculated LTV of 39.36% is less than Guideline LTV of 39.36%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C NA | C NA | C NA | C B NA | A B | A B NA | A B NA | A B NA | A |
| 350000201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to 12 CFR ##_CS_##)The finance charge is $440, is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The tolerance violation in the amount of XXX is due to an increase in Discount Points from XXX on CD XX/XX/XXXX to XXX on CD XX/XX/XXXX without a valid COC or corresponding Rate Lock. | Document Uploaded. | 01/13/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 01/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 39.36% is less than Guideline LTV of 39.36% Calculated LTV of 39.36% is less than Guideline LTV of 39.36%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C NA | C NA | C NA | C B NA | A B | A B NA | A B NA | A B NA | A |
| 350000201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 39.36% is less than Guideline LTV of 39.36% Calculated LTV of 39.36% is less than Guideline LTV of 39.36%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C NA | C NA | C NA | C B NA | A B | A B NA | A B NA | A B NA | A |
| 350000201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 39.36% is less than Guideline LTV of 39.36% Calculated LTV of 39.36% is less than Guideline LTV of 39.36%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C NA | C NA | C NA | C B NA | A B | A B NA | A B NA | A B NA | A |
| 350000201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 39.36% is less than Guideline LTV of 39.36% Calculated LTV of 39.36% is less than Guideline LTV of 39.36%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C NA | C NA | C NA | C B NA | A B | A B NA | A B NA | A B NA | A |
| 350000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 39.36% is less than Guideline CLTV of 43.94% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit issues. The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated CLTV of 43.94% is less than Guideline CLTV of 43.94% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/09/2025 | XXX is Below the Guideline Maximum - Calculated CLTV of 43.94% is less than Guideline CLTV of 43.94% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to 12 CFR ##_CS_##)The finance charge is $440, is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount if XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to the decrease in Lender Credits on the Final CD dated XXX and no COC was found in the file explaining the reason for the decrease. Please provide a Valid COC or Cure Package. | Document Uploaded. | 01/21/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 01/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.94% is less than Guideline LTV of 25.71% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 25.71% is less than Guideline LTV of 26.97% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to 12 CFR ##_CS_##)The finance charge is $440, is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added Discount Point Fee on the Final CD dated XXX and no COC was found in the file explaining the reason for the added fee. Please provide a Valid COC or Cure Package. | Document Uploaded. | 01/21/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 01/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 26.97% is less than Guideline LTV of 26.97% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 26.97% is less than Guideline LTV of 26.97% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 26.97% is less than Guideline LTV of 26.97% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 26.97% is less than Guideline LTV of 26.97% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 26.97% is less than Guideline LTV of 26.97% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 26.97% is less than Guideline LTV of 26.97% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 26.97% is less than Guideline CLTV of 62.91% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated CLTV of 62.91% is less than Guideline CLTV of 62.91% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated CLTV of 62.91% is less than Guideline CLTV of 62.91% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.91% is less than Guideline LTV of 16% \| XXX is Below the Guideline Maximum - Calculated LTV of 16% is less than Guideline LTV of 21.13% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 21.13% is less than Guideline LTV of 21.13% \| XXX is Below the Guideline Maximum - Calculated LTV of 21.13% is less than Guideline LTV of 21.13% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 21.13% is less than Guideline LTV of 21.13% \| XXX is Below the Guideline Maximum - Calculated LTV of 21.13% is less than Guideline LTV of 21.13% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 21.13% is less than Guideline LTV of 26% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 26% is less than Guideline LTV of 26% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 26% is less than Guideline LTV of 26% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 26% is less than Guideline LTV of 26.76% Calculated LTV of 26% is less than Guideline LTV of 26.76%. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 26.76% is less than Guideline LTV of 26.76% Calculated LTV of 26.76% is less than Guideline LTV of 26.76%. \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 26.76% is less than Guideline LTV of 26.76% Calculated LTV of 26.76% is less than Guideline LTV of 26.76%. \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 26.76% is less than Guideline LTV of 26.76% Calculated LTV of 26.76% is less than Guideline LTV of 26.76%. \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000215 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 26.76% is less than Guideline LTV of 29.24% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000215 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 29.24% is less than Guideline LTV of 29.24% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000215 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 29.24% is less than Guideline LTV of 29.24% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000215 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 29.24% is less than Guideline LTV of 29.24% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 29.24% is less than Guideline LTV of 18.32% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to 12 CFR ##_CS_##)The finance charge is $440, is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to the decrease in the Lender Credits on the Final CD dated XXX and no COC was found in the file explaining the reason for the decrease. Please provide a Valid COC or Cure Package. | Document Uploaded. | 01/21/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 01/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 18.32% is less than Guideline LTV of 18.32% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 18.32% is less than Guideline LTV of 18.32% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 18.32% is less than Guideline LTV of 18.32% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Appraisal date was XX/XX/XXXX. A post disaster inspection will be required. The California fires are ongoing - there is no end date for the disaster at this time. | Document Uploaded. CDAIR report attached. | 01/27/2025 | Property Inspection Provided.; PDI provided | 02/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 18.32% is less than Guideline LTV of 10.85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C NA | B C A | B C A NA | B C A NA | B C A NA | B A NA | A | A NA | A NA | A NA | A |
| 350000219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/20/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 01/31/2025 | Evidence of eConsent is provided. | 02/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 10.85% is less than Guideline LTV of 10.85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C NA | B C A | B C A NA | B C A NA | B C A NA | B A NA | A | A NA | A NA | A NA | A |
| 350000219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 10.85% is less than Guideline LTV of 10.85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A C NA | B C A | B C A NA | B C A NA | B C A NA | B A NA | A | A NA | A NA | A NA | A |
| 350000221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/22/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for increase in appraisal fee without valid COC. Reason provided on COC is insufficient for increase in appraisal fee. Cure requirements include PCCD, LOE, and copy of refund check. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to 12 CFR ##_CS_##)The finance charge is $440, is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. ; Document Uploaded. | 01/30/2025 | Cure package provided to the borrower; Exception downgraded to a 2/B; COC provided is not valid; receipt of an appraisal invoice is not a valid reason to increase the cost of the appraisal. Cure package required | 01/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 10.85% is less than Guideline CLTV of 55.82% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.82% is less than Guideline CCLTV of 55.82% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 53.07% is less than Guideline CLTV of 53.07% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.07% is less than Guideline CCLTV of 53.07% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 53.07% is less than Guideline CLTV of 53.07% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.07% is less than Guideline CCLTV of 53.07% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.07% is less than Guideline LTV of 8.33% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 8.33% is less than Guideline LTV of 25% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 25% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 25% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 25% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 25% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Missing FEMA Post inspection | Hi, this property is located in XXX, CA (XXX), not XXX. | 01/24/2025 | Property Inspection Provided. | 01/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 27.29% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 01/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 16.67% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 16.67% is less than Guideline LTV of 16.67% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 16.67% is less than Guideline LTV of 16.67% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Missing CPA letter in file | Document Uploaded. Please reference business license, thank you | 03/06/2025 | Borrower 1 CPA Letter Provided | 03/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 16.67% is less than Guideline CLTV of 56.04% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 56.04% is less than Guideline CLTV of 56.04% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 03/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 56.04% is less than Guideline CLTV of 56.04% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 56.04% is less than Guideline CLTV of 56.04% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to 12 CFR ##_CS_##)The finance charge is $440, is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the decrease in Lender Credit on the revised LE dated XXX and no valid COC was found in the file explaining the reason for why the credit decrease. Please provide a Valid COC or Cure Package. | Document Uploaded. | 03/12/2025 | Cure package provided to the borrower; Exception downgraded to a 2/B; Cure package provided to the borrower; Exception downgraded to a 2/B | 03/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 56.04% is less than Guideline CLTV of 56.04% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.04% is less than Guideline CCLTV of 56.04% A | C | B C A NA | C A B | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 42.13% is less than Guideline LTV of 42.13% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 42.13% is less than Guideline CLTV of 42.13% A | C | B C A NA | C A B | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 42.13% is less than Guideline LTV of 42.13% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 42.13% is less than Guideline CLTV of 42.13% A | C | B C A NA | C A B | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Acknowledged | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. There was a third party review product provided on page XXX% variance, Review used lower value. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 42.13% is less than Guideline LTV of 42.13% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 42.13% is less than Guideline CLTV of 42.13% A | C | B C A NA | C A B | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | finding-2623 | Compliance | MD COMAR Higher-Priced Mortgage Loan Test | HPML Compliant and allowed per lender guidelines, therefore downgraded to grade A. This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR) hile the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 03/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 42.13% is less than Guideline LTV of 19.34% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant and allowed per lender guidelines, therefore downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $440, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 03/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 19.34% is less than Guideline LTV of 19.34% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 19.34% is less than Guideline LTV of 19.34% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 19.34% is less than Guideline LTV of 19.34% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000235 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 04/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 19.34% is less than Guideline CLTV of 46.66% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000235 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Resolved | finding-2623 | Compliance | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR) hile the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 04/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 46.66% is less than Guideline CLTV of 46.66% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000235 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to 12 CFR ##_CS_##)The finance charge is $440, is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required, refund in the amount of XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the increase of the Appraisal Re-Inspection Fee from XXX t0 XXX on the revised CD dated XX/XX/XXXX. The other XXX% tolerance violation is due to the addition of the Transfer Taxes of $XXX. COC's for both increase and addition in file did not verify a valid reason for the increase, fee addition and is consider invalid. Please provide a valid COC or cure package. | Document Uploaded. ; Document Uploaded. COC attached for both the increase in appraisal fees, and the Transfer/Tax | 04/08/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Receipt of an invoice is not a valid reason for the increase in fees. A valid reason that the information was not known at disclosure or a cure package is required | 04/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 46.66% is less than Guideline CLTV of 46.66% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000235 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 46.66% is less than Guideline CLTV of 46.66% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000235 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 46.66% is less than Guideline CLTV of 46.66% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to 12 CFR ##_CS_##)The finance charge is $440, is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC's. The Zero tolerance violation is due to the increase in Discount Points on CD dated XXX and CD dated XXX and the Appraisal Fee on the LE dated XXX and no COC's were found in the file explaining the reason for why the fees increased. Please provide a Valid COC or Cure Package. | Document Uploaded. | 03/11/2025 | Valid COCs provided; Exception resolved; Valid COCs provided; Exception resolved | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.66% is less than Guideline LTV of 8.26% \| XXX is Below the Guideline Maximum - Calculated LTV of 8.26% is less than Guideline LTV of 19.86% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 19.86% is less than Guideline LTV of 19.86% \| XXX is Below the Guideline Maximum - Calculated LTV of 19.86% is less than Guideline LTV of 19.86% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 19.86% is less than Guideline LTV of 19.86% \| XXX is Below the Guideline Maximum - Calculated LTV of 19.86% is less than Guideline LTV of 19.86% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000239 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 19.86% is less than Guideline LTV of 14.81% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000239 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 14.81% is less than Guideline LTV of 14.81% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000239 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 14.81% is less than Guideline LTV of 14.81% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing The Business Purpose Affidavit was not provided. | Document Uploaded. | 04/01/2025 | Business Purpose Affidavit/Disclosure Provided; Business Purpose Disclosure signed by both borrowers was received. | 04/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 14.81% is less than Guideline LTV of 7% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 7% is less than Guideline LTV of 7% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 7% is less than Guideline LTV of 7% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000243 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 7% is less than Guideline LTV of 18.96% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000243 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 18.96% is less than Guideline LTV of 18.96% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000243 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 18.96% is less than Guideline LTV of 18.96% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The City XXX listed under the current address section of the Final 1003 does not Match the City listed on the Note XXX. | Document Uploaded. | 03/25/2025 | The Final 1003 is Present | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 18.96% is less than Guideline CLTV of 33.67% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.67% is less than Guideline CCLTV of 33.67% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B D NA | C D A | C D NA | C D NA | C D NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Missing CPA in loan file | There is no CPA, therefore no CPA letter needed. | 03/25/2025 | Borrower 1 CPA Letter Provided | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 14.79% is less than Guideline LTV of 14.79% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 14.79% is less than Guideline CLTV of 14.79% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B D NA | C D A | C D NA | C D NA | C D NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. COC in file does not provide a reason for the increase. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to 12 CFR ##_CS_##)The finance charge is $440, is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 03/28/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 03/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 14.79% is less than Guideline LTV of 14.79% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 14.79% is less than Guideline CLTV of 14.79% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B D NA | C D A | C D NA | C D NA | C D NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 14.79% is less than Guideline LTV of 14.79% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 14.79% is less than Guideline CLTV of 14.79% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B D NA | C D A | C D NA | C D NA | C D NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided The yearly premium for the hazard insurance was not Stated on the policy. | Document Uploaded. | 03/27/2025 | Hazard Insurance Policy is fully present; Hazard insurance with premium received. | 03/28/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 14.79% is less than Guideline LTV of 12.66% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 12.66% is less than Guideline LTV of 12.66% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 12.66% is less than Guideline LTV of 12.66% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX, Missing the Current Hazard Insurance policies in place prior to XX/XX/XXXX for both units. | Document Uploaded. Please take another look at the Dec page. There are two spaces for the dates. The one that is checked is marked as effective date XX/XX/XXXX to exp date XX/XX/XXXX | 03/18/2025 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 04/18/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 12.66% is less than Guideline CLTV of 60.33% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.33% is less than Guideline CCLTV of 60.33% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C NA | C NA | C NA | C A NA | A | A NA | A NA | A NA | A |
| 350000249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code hile the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to downgrade due to Appraisal receipt date of XXX not being delivered within XXX bus days of consummation of XXX. | Document Uploaded. XXX day appraisal waiver signed attached. | 04/17/2025 | Proof of appraisal delivery provided, HPML compliant; Exception resolved | 04/17/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 15.08% is less than Guideline LTV of 15.08% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 15.08% is less than Guideline CLTV of 15.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C NA | C NA | C NA | C A NA | A | A NA | A NA | A NA | A |
| 350000249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to downgrade due to Appraisal receipt date of XXX not being delivered within XXX bus days of consummation of XXX. | Document Uploaded. XXX day appraisal waiver signed, attached | 04/17/2025 | Proof of appraisal delivery provided, HPML compliant; Exception resolved | 04/17/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 15.08% is less than Guideline LTV of 15.08% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 15.08% is less than Guideline CLTV of 15.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C NA | C NA | C NA | C A NA | A | A NA | A NA | A NA | A |
| 350000249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 15.08% is less than Guideline LTV of 15.08% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 15.08% is less than Guideline CLTV of 15.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C NA | C NA | C NA | C A NA | A | A NA | A NA | A NA | A |
| 350000251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 15.08% is less than Guideline CLTV of 47.49% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.49% is less than Guideline CCLTV of 47.49% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 21.38% is less than Guideline LTV of 21.38% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 21.38% is less than Guideline CLTV of 21.38% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/21/2025 | Cured | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.[[(12 CFR ##_CS_##)The finance charge is $440,XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX This loan failed the TILA finance charge test.[[(12 CFR ##_CS_##)The finance charge is $440,XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Document Uploaded. Document Uploaded. Document Uploaded. Document Uploaded. Document Uploaded. Document Uploaded. Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B |  |  | per SFA guidance, when an under-disclosure of finance charges occur it is considered material and the cure package must include reopening rescission on loans that are rescindable. Please provide updated rescission docs to downgrade the exception; Cure required: Cure of XXX required for under disclosure of finance charges. The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The Title services of XXX and XXX were not included within the finance charge calculation. Please provide a detailed description of title services to determine if these are excludable or cure. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. ; Cure required: Cure of XXX required for under disclosure of finance charges. The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The Title services of XXX and XXX were not included within the finance charge calculation. Please provide a detailed description of title services to determine if these are excludable or cure. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | 04/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 21.38% is less than Guideline LTV of 20.89% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 20.89% is less than Guideline LTV of 20.89% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 20.89% is less than Guideline LTV of 20.89% A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 74.8% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 03/28/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 20.89% is less than Guideline LTV of 24.24% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to HLTV of 74.8% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to the decrease in the Lender Credits on the Final CD dated XXX and no COC was found in the file explaining the reason for the decrease. Please provide a Valid COC or Cure Package. | Document Uploaded. | 03/27/2025 | Received copy of COC for testing; exception resolved.; Received copy of COC for testing; exception resolved. | 03/28/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 24.24% is less than Guideline LTV of 24.24% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code hile the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 03/28/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 24.24% is less than Guideline LTV of 24.24% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to HLTV of 74.8% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added Discount Points on the Final CD dated XXX and no COC was found in the file explaining the reason for the added fee. Please provide a Valid COC or Cure Package. | Document Uploaded. | 03/27/2025 | Received copy of COC for testing; exception resolved.; Received copy of COC for testing; exception resolved. | 03/28/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 24.24% is less than Guideline LTV of 24.24% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 24.24% is less than Guideline LTV of 24.24% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 24.24% is less than Guideline LTV of 24.24% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 74.8% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 03/31/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 24.24% is less than Guideline LTV of 18.04% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code hile the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 03/31/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 18.04% is less than Guideline LTV of 18.04% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(HLTV of 74.8% transferred from HLTV of 74.8% Open-end [[(HLTV of 74.8% transferred from XXX CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by HLTV of 74.8% or delivery of all material disclosures, whichever occurs last. The loan was consummated on XX/XX/XXXX with a funding date of XX/XX/XXXX. Funding cannot occur on or prior to the cancellation date. | Document Uploaded. | 03/28/2025 | PCCD with updated disbursement date provided; Exception resolved; PCCD with updated disbursement date provided; Exception resolved | 03/31/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 18.04% is less than Guideline LTV of 18.04% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 18.04% is less than Guideline LTV of 18.04% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 18.04% is less than Guideline LTV of 18.04% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 18.04% is less than Guideline LTV of 29.27% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 29.27% is less than Guideline LTV of 29.27% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 29.27% is less than Guideline LTV of 29.27% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 29.27% is less than Guideline LTV of 26.96% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 26.96% is less than Guideline LTV of 26.96% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 26.96% is less than Guideline LTV of 26.96% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 74.8% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 04/07/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 26.96% is less than Guideline LTV of 21.28% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to HLTV of 74.8% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to the decrease in Lender Credits on the Initial CD dated XXX and no COC was found in the file explaining the reason for the decrease. Please provide a Valid COC or Cure Package. | Document Uploaded. | 04/07/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 04/07/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 21.28% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to HLTV of 74.8% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added Discount Points on the Initial CD dated XXX and no COC was found in the file explaining the reason for why the fee was added. Please provide a Valid COC or Cure Package. | Document Uploaded. | 04/07/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 04/07/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 21.28% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2025 | Resolved | finding-2623 | Compliance | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR) hile the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 04/07/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 21.28% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 21.28% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 21.28% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 21.28% is less than Guideline LTV of 29.18% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 29.18% is less than Guideline LTV of 29.18% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 29.18% is less than Guideline LTV of 29.18% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided The hazard insurance policy included in the loan file does not show the annual premium amount, making it impossible to accurately calculate the DSCR. Please verify the new premium amount for the policy with an effective date of XX/XX/XXXX. | Document Uploaded. | 04/21/2025 | Hazard Insurance Policy is fully present; HOI policy provided | 04/22/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 29.18% is less than Guideline LTV of 50% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing a third party fraud report. Per Guidelines, fraud guard findings with high alerts/deficiencies resolved are to be provided in every loan file. All parties to the transaction must be included in the fraud guard report. | Document Uploaded. | 04/10/2025 | Third Party Fraud Report is provided | 04/22/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 23.65% is less than Guideline LTV of 23.65% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | The lease agreement provided in the loan file is missing a signature page. Please provide a complete and signed copy of the lease agreement. | Document Uploaded. | 04/21/2025 | ; Signed lease provided | 04/22/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 23.65% is less than Guideline LTV of 23.65% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 23.65% is less than Guideline LTV of 23.65% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 23.65% is less than Guideline LTV of 23.65% D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 74.8% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 04/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 23.65% is less than Guideline LTV of 17.6% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to HLTV of 74.8% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to decrease in Lender Credits on the Initial CD and no COC was found in the file explaining the reason for the decrease. Please provide a Valid COC or Cure Package. | Document Uploaded. | 04/09/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 17.6% is less than Guideline LTV of 17.6% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code hile the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 04/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 17.6% is less than Guideline LTV of 17.6% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to HLTV of 74.8% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added Discount Points on the Initial CD and no COC was found in the file explaining the reason for the decrease. Please provide a Valid COC or Cure Package. | Document Uploaded. | 04/09/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 17.6% is less than Guideline LTV of 17.6% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 17.6% is less than Guideline LTV of 17.6% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 17.6% is less than Guideline LTV of 17.6% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(HLTV of 74.8% transferred from HLTV of 74.8% Open-end [[(HLTV of 74.8% transferred from XXX CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by HLTV of 74.8% or delivery of all material disclosures, whichever occurs last. The Disbursement date on the Final CD is XXX and the ROR cancel date is XXX. Disbursement cannot take place prior to XX/XX/XXXX. Docs required: PCCD with LOE, copy of refund and proof of delivery. | Document Uploaded. | 04/09/2025 | PCCD with updated disbursement date provided; exception resolved; PCCD with updated disbursement date provided; exception resolved | 04/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 17.6% is less than Guideline CLTV of 49.54% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.54% is less than Guideline CCLTV of 49.54% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 34.29% is less than Guideline LTV of 19.94% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 19.94% is less than Guideline LTV of 19.94% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 19.94% is less than Guideline LTV of 19.94% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCOM1114 | Compliance | Late Charge Percent is greater than XXX% | Late Charge Percent is greater than XXX% The late charge percentage on the Note is XXX% | Document Uploaded. | 05/05/2025 | Validation Resolved | 05/05/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 19.94% is less than Guideline LTV of 17.02% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing The Title Report was not found in the loan file. | Document Uploaded. | 04/24/2025 | Title Document is fully Present; Short form policy provided | 05/05/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 17.02% is less than Guideline LTV of 17.02% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 17.02% is less than Guideline LTV of 17.02% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 17.02% is less than Guideline LTV of 17.02% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D NA | C D A | C D NA | C D NA | C D NA | C A NA | A | A NA | A NA | A NA | A |
| 350000277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 17.02% is less than Guideline LTV of 20.86% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCRE8611 | Credit | Income/Employment General | The subject loan was approved as a DSCR loan. The loan includes Bank Statements for the Borrower which reflect payroll deposits. DSCR loans are not allowed to include evidence of income sources. | Please disregard Statements, they were not meant to be included in the package. Thank you! | 04/15/2025 | ; Disregard Bank Statements. | 04/16/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 20.86% is less than Guideline LTV of 20.86% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 20.86% is less than Guideline LTV of 20.86% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C NA | A C | A C NA | A C NA | A C NA | A NA | A | A NA | A NA | A NA | A |
| 350000279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/13/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($) is insufficient, not meeting the required coverage amount of ($XXX). |  |  | ; ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 20.86% is less than Guideline CLTV of 41.19% A | A | A C NA | A C | A C NA | A C NA | A C NA | A B NA | A B | A B NA | A B NA | A B NA | A |
| 350000279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 41.19% is less than Guideline CLTV of 41.19% A | A | A C NA | A C | A C NA | A C NA | A C NA | A B NA | A B | A B NA | A B NA | A B NA | A |
| 350000279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 41.19% is less than Guideline CLTV of 41.19% A | A | A C NA | A C | A C NA | A C NA | A C NA | A B NA | A B | A B NA | A B NA | A B NA | A |
| 350000279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 41.19% is less than Guideline CLTV of 41.19% A | A | A C NA | A C | A C NA | A C NA | A C NA | A B NA | A B | A B NA | A B NA | A B NA | A |
| 350000279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 74.8% exceeds Guideline HCLTV of 70% Lender exception approved for HLTV. Max HLTV per guidelines for XXX FICO is XXX% Approved for 75% HLTV. Compensating factors: FICO XXX XX/XX/XXXX DSCR, Mortgage history is XXX, XXX and experienced investor - owned investments for over XXX years. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 41.19% is less than Guideline CLTV of 41.19% A | A | A C NA | A C | A C NA | A C NA | A C NA | A B NA | A B | A B NA | A B NA | A B NA | A |
| 350000279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 74.8% exceeds Guideline CLTV of 70% Lender exception approved for CLTV. Max CLTV per guidelines for XXX FICO is XXX% Approved for 75% CLTV. Compensating factors: FICO XXX XX/XX/XXXX DSCR, Mortgage history is XXX, XXX and experienced investor - owned investments for over XXX years. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated CLTV of 41.19% is less than Guideline CLTV of 41.19% A | A | A C NA | A C | A C NA | A C NA | A C NA | A B NA | A B | A B NA | A B NA | A B NA | A |
| 350000281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.19% is less than Guideline LTV of 16.71% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 16.71% is less than Guideline CLTV of 74.95% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.95% is less than Guideline CLTV of 74.95% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 74.95% is less than Guideline CLTV of 74.95% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.95% is less than Guideline CLTV of 74.95% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated CLTV of 74.95% is less than Guideline CLTV of 74.95% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CS_##)The finance charge is $XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 05/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.95% is less than Guideline LTV of 12.84% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 12.84% is less than Guideline LTV of 19.44% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code hile the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant. HPML appraisal and escrow requirements met. | 05/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 19.44% is less than Guideline LTV of 19.44% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 19.44% is less than Guideline LTV of 19.44% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Cured | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.[[(12 CFR ##_CS_##)The finance charge is $233,XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Cure required: Cure of XXX required for under disclosure of finance charges. The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The Title - Document Processing Fee of XXX was not included in finance charge calculations. | Document Uploaded. Re opening of recission documents attached; Document Uploaded. ; The Fee was included in the APR, please review PCCD.; Document Uploaded. please review attached pccd. | 05/05/2025 | Cure package provided to borrower; Exception downgraded to a 2/B; Cure package provided to borrower; Exception downgraded to a 2/B; Cure package is missing the documents reopening rescission.; Agreed that the fee was correctly included in the PCCD finance charge calculation however the finance charges were undisclosed at consummation based on CD signed at the time the note per monthrtgage were signed and a re-disclosure of the correct amount is not sufficient to cure the under-disclosure. A cure package with a refund of the amount under disclosed is required; Missing the remainder of the cure package. Under disclosure of the finance charges requires a cure package that includes: PCCD (which was provided), LOE, copy of check, re-open rescission and proof of delivery. | 05/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 19.44% is less than Guideline LTV of 19.44% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 19.44% is less than Guideline LTV of 19.44% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 19.44% is less than Guideline LTV of 19.44% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 19.44% is less than Guideline LTV of 19.44% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 19.44% is less than Guideline LTV of 19.44% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 19.44% is less than Guideline LTV of 19.44% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | B C A NA | C A | C A NA | C A NA | C A NA | C B A NA | B A | B A NA | B A NA | B A NA | B |
| 350000285 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to (12 CFR §1026.19(f)(2)(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to the decrease in Lender Credits on the Final CD and no COC was found in the file explaining the reason for why the fee decreased. Please provide a Valid COC or Cure Package. | Document Uploaded. Hi, please see attached COC for the pricing changed. There was a Rate changed and Lock extension which results in the Pricing Change (Lender Credit Changed). | 04/17/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 04/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 19.44% is less than Guideline LTV of 12.87% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000285 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2025 | Resolved | finding-3542 | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).[[(12 CFR §1026.19(f)(2)(ii))]] The revised closing disclosure delivery requires a new waiting period and The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate. The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. The revised CD had a material change and the borrower did not have a XXX day waiting period prior to consummation for changes. | Hi, please advise what material change occur that is requiring a new XXX days wait? XXX o-Prepay was added XXX rogram did not change XXX PR did not increase by XXX/XXX. APR actually went down. | 04/17/2025 | Revised - no error in finance charges, rate dropped on final CD; Exception resolved; Revised - no error in finance charges, rate dropped on final CD; Exception resolved | 04/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 12.87% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000285 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 12.87% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000285 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 12.87% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C NA | C A | C A NA | C A NA | C A NA | C A NA | A | A NA | A NA | A NA | A |
| 350000287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing Business purpose affidavit. | Document Uploaded. | 04/29/2025 | Business Purpose Affidavit/Disclosure Provided; Per client BP affidavit not required, not vesting in LLC | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 12.87% is less than Guideline LTV of 20.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing evidence of XX/XX/XXXX mortgage payment to XXX for XXX "XXX" Additional conditions may apply. | Document Uploaded. | 04/29/2025 | Housing History Meets Guideline Requirements; Mtg Statement, payment verification and notification of servicing transfer provided | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 20.99% is less than Guideline LTV of 20.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 20.99% is less than Guideline LTV of 20.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 20.99% is less than Guideline LTV of 20.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 20.99% is less than Guideline CLTV of 51.29% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.29% is less than Guideline CCLTV of 51.29% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 21.36% is less than Guideline LTV of 21.36% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 21.36% is less than Guideline CLTV of 21.36% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 21.36% is less than Guideline LTV of 21.36% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 21.36% is less than Guideline CLTV of 21.36% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000291 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/19/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide evidence the March XXX mortgage payment has been made on the 1st mortgages with XXX (XXX) and XXX (XXX Wayne Avenue.) | Document Uploaded. | 04/28/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Evidence of March XXX mortgage payment with XXX (XXX) was received. Credit supplement provided indicates mortgage with XXX date of last activity as XXX/XXX, account is paid in full and closed. | 04/29/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 21.36% is less than Guideline LTV of 19.61% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000291 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 19.61% is less than Guideline LTV of 19.61% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000291 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 19.61% is less than Guideline LTV of 19.61% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D NA | A D | A D NA | A D NA | A D NA | A NA | A | A NA | A NA | A NA | A |
| 350000293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 19.61% is less than Guideline ##QE## \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated ##QE## is less than Guideline ##QE## \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated ##QE## is less than Guideline ##QE## \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A NA | A | A NA | A NA | A NA | A NA | A | A NA | A NA | A NA | A |
| 350000295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/21/2024 | Resolved | 2408129776-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A NA | N/A | N/A NA | N/A NA | N/A NA | N/A NA | N/A | N/A NA | N/A NA | N/A NA | N/A |
| 350000297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/10/2025 | Resolved | 2411138635-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A NA | N/A | N/A NA | N/A NA | N/A NA | N/A NA | N/A | N/A NA | N/A NA | N/A NA | N/A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 350000101 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000103 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000105 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000107 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000109 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000111 |  |  | $XXXXXX A | D | D | D | D | D NA | A | A | A | A | A NA |
| 350000113 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000115 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000117 |  |  | $XXXXXX A | B | B | B | B | B NA | A | A | A | A | A NA |
| 350000119 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000121 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000123 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000125 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000127 |  |  | $XXXXXX A | C | C | C | C | C NA | B | B | B | B | B NA |
| 350000129 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000131 |  |  | $XXXXXX A | B | B | B | B | B NA | A | A | A | A | A NA |
| 350000133 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000135 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000137 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000139 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000141 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000143 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000145 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000147 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000149 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000151 |  |  | $XXXXXX A | D | D | D | D | D NA | A | A | A | A | A NA |
| 350000153 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000155 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000157 |  |  | $XXXXXX D | C | C | C | C | C NA D | A | A | A | A | A NA |
| 350000159 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000161 |  |  | $XXXXXX A | D | D | D | D | D NA | A | A | A | A | A NA |
| 350000163 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000165 |  |  | $XXXXXX C | A | A | A | A | A NA C | A | A | A | A | A NA |
| 350000167 |  |  | $XXXXXX A | C | C | C | C | C NA | B | B | B | B | B NA |
| 350000169 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000171 |  |  | $XXXXXX A | C | C | C | C | C NA | B | B | B | B | B NA |
| 350000173 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000175 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000177 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000179 |  |  | $XXXXXX C | A | A | A | A | A NA C | A | A | A | A | A NA |
| 350000181 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000183 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000185 |  |  | $XXXXXX C | A | A | A | A | A NA C | A | A | A | A | A NA |
| 350000187 |  |  | $XXXXXX C | A | A | A | A | A NA C | A | A | A | A | A NA |
| 350000189 |  |  | $XXXXXX C | A | A | A | A | A NA C | A | A | A | A | A NA |
| 350000191 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000193 |  |  | $XXXXXX D | C | C | C | C | C NA D | A | A | A | A | A NA |
| 350000195 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000197 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000199 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000201 |  |  | $XXXXXX C | C | C | C | C | C NA B | A | A | A | A | A NA B |
| 350000203 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000205 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000207 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000209 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000211 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000213 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000215 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000217 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000219 |  |  | $XXXXXX A | B | B | B | B | B NA C | A | A | A | A | A NA |
| 350000221 |  |  | $XXXXXX A | C | C | C | C | C NA | B | B | B | B | B NA |
| 350000223 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000225 |  |  | $XXXXXX A | A | A | A | A | A NA C | A | A | A | A | A NA |
| 350000227 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000229 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000231 |  |  | $XXXXXX A | C | C | C | C | C NA B | B | B | B | B | B NA |
| 350000233 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000235 |  |  | $XXXXXX A | C | C | C | C | C NA | B | B | B | B | B NA |
| 350000237 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000239 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000241 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000243 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000245 |  |  | $XXXXXX D | C | C | C | C | C NA D | B | B | B | B | B NA |
| 350000247 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000249 |  |  | $XXXXXX C | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000251 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000253 |  |  | $XXXXXX A | C | C | C | C | C NA | B | B | B | B | B NA |
| 350000255 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000257 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000259 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000261 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000263 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000265 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000267 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000269 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000271 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000273 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000275 |  |  | $XXXXXX D | C | C | C | C | C NA D | A | A | A | A | A NA |
| 350000277 |  |  | $XXXXXX C | A | A | A | A | A NA C | A | A | A | A | A NA |
| 350000279 |  |  | $XXXXXX C | A | A | A | A | A NA C B | A | A | A | A | A NA B |
| 350000281 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000283 |  |  | $XXXXXX A | C | C | C | C | C NA | B | B | B | B | B NA |
| 350000285 |  |  | $XXXXXX A | C | C | C | C | C NA | A | A | A | A | A NA |
| 350000287 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000289 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000291 |  |  | $XXXXXX D | A | A | A | A | A NA D | A | A | A | A | A NA |
| 350000293 |  |  | $XXXXXX A | A | A | A | A | A NA | A | A | A | A | A NA |
| 350000295 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A NA | N/A | N/A | N/A | N/A | N/A NA |
| 350000297 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A NA | N/A | N/A | N/A | N/A | N/A NA |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 350000101 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.39 | 60.75 |  |  |  |  | $XXX | XXX | -.0002 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0002 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000103 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 9.76 | 74.66 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000105 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.28 | 79.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 350000107 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.88 | 74.9 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 350000109 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.26 | 64.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 350000111 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.45 | 69.85 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 350000113 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.18 | 64.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000115 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.12 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 350000117 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.24 | 75.0 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 350000119 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.13 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000121 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.8 | 65.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000123 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.14 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 350000125 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.04 | 55.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000127 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.67 | 69.01 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0286 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 350000129 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.0 | 53.36 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000131 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.52 | 31.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 350000133 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.6 | 74.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 350000135 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.38 | 61.78 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | 91 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000137 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.67 | 71.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 350000139 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.15 | 77.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 350000141 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.51 | 69.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000143 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.33 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 350000145 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.33 | 64.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 350000147 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 8.89 | 70.26 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000149 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.33 | 69.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 350000151 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.47 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | 90 | 0.10 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000153 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.05 | 66.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000155 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.29 | 51.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 350000157 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.87 | 74.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000159 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.55 | 79.71 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 350000161 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.56 | 74.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000163 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.87 | 26.91 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 350000165 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.94 | 73.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 350000167 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 21.43 | 69.75 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000169 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.16 | 67.07 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 350000171 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.16 | 79.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 350000173 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.06 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 350000175 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.71 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000177 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.58 | 43.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | 94 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000179 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.33 | 78.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000181 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 30.62 | 62.09 | $XXX | $XXX | 0.3033 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.3033 |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 350000183 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.08 | 83.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000185 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.24 | 68.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000187 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 5.77 | 37.1 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 350000189 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.26 | 76.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000191 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.82 | 73.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000193 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.18 | 66.29 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000195 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.29 | 36.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | 91 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000197 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.11 | 84.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 350000199 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.23 | 63.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 350000201 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.22 | 77.29 | $XXX | $XXX | -.0074 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0074 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 350000203 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.36 | 79.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000205 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 25.71 | 43.94 |  |  |  |  | $XXX | XXX | -.0286 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0286 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000207 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.97 | 68.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 350000209 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.0 | 62.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 350000211 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 21.13 | 63.64 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 350000213 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.0 | 80.0 | $XXX | $XXX | -.0783 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0783 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 350000215 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 26.76 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 350000217 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.24 | 84.92 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 350000219 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.32 | 79.76 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 350000221 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.85 | 55.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 350000223 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.33 | 53.07 |  |  |  |  | $XXX | XXX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0833 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 350000225 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000227 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 27.29 | 75.0 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000229 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.67 | 83.12 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 350000231 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | Desk Review | $XXX | 15.0 | 56.04 | $XXX | $XXX | .1500 | 1004 URAR |  |  |  |  | $XXX | $XXX | .1500 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 350000233 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.13 | 69.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000235 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.34 | 69.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 350000237 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 8.26 | 46.66 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000239 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.86 | 74.3 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 350000241 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.81 | 65.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 350000243 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.0 | 73.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 350000245 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.96 | 33.67 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 350000247 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.79 | 67.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000249 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 12.66 | 60.33 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000251 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.08 | 47.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 350000253 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.38 | 77.28 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 350000255 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.89 | 79.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 350000257 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.24 | 80.0 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000259 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.04 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 350000261 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.27 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 350000263 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.96 | 69.53 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 350000265 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.28 | 74.95 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000267 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.18 | 69.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000269 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.65 | 77.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 350000271 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.6 | 49.54 |  |  |  |  | $XXX | XXX | -.1008 | AVM |  |  |  |  |  | $XXX | $XXX | -.1008 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 350000273 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.29 | 67.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 350000275 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.94 | 74.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 350000277 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 17.02 | 74.84 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000279 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 20.86 | 74.8 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000281 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.71 | 41.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | 95 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000283 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 12.84 | 74.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 350000285 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.44 | 70.77 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 350000287 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 12.87 | 75.0 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000289 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.99 | 51.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 350000291 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 21.36 | 74.59 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000293 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.61 | 71.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 350000295 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 10.15 | 53.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0342 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 350000297 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 39.80 | 52.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**EXECUTIVE SUMMARY**

**BARC 2026-CES1**

**By Clarifii LLC on January 28, 2026**

Barc 2026-CES1 Due Diligence Narrative Report – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 11 loans (the "Loans") and these loans were subsequently acquired by Sutton Funding LLC the "Client") for the BARC 2026-CES1 transaction. The loans referenced in this narrative report were reviewed 04/2025 through 10/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3144565.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3144565.00** |

---

The Review consisted of a population of 11 loans, with an aggregate principal balance of $3,144,565.00.

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

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

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

**LOAN SAMPLING**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024 |

---

Barc 2026-CES1 Due Diligence Narrative Report – PagE \| 2

![](ex99-4_001.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |

---

Barc 2026-CES1 Due Diligence Narrative Report – PagE \| 3

---

| |
|:---|
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

Barc 2026-CES1 Due Diligence Narrative Report – PagE \| 4

![](ex99-4_001.jpg)

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

Barc 2026-CES1 Due Diligence Narrative Report – PagE \| 5

![](ex99-4_001.jpg)

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

Barc 2026-CES1 Due Diligence Narrative Report – PagE \| 6

![](ex99-4_001.jpg)

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

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**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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| |
|:---|
| Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009). |
| Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq. |
| Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183I. |
| Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C. |
| Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17). |
| Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq. |
| Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5. |
| Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq. |
| Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008). |

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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| |
|:---|
| South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq. |
| Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq. |
| Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq. |
| The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution |
| Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq. |
| Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq. |
| Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2. |
| Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428. |
| Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2. |
| Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008. |
| West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq. |
| Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202. |
| Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq. |

---

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance<br> to OA or Confidence < <br> 80%** | &nbsp;&nbsp;**Number of Files within -<br> 10% of OA or Acceptable<br> UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

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**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

| | |
|:---|:---|
| **A** | The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms. |
| **B** | The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |

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**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms.

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;18.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;18.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3144565.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3144565.00** |

---

Barc 2026-CES1 Due Diligence Narrative Report – PagE \| 16

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;6 | &nbsp;&nbsp;54.55% | &nbsp;&nbsp;$1868475.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;5 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;$1276090.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3144565.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3144565.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3144565.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3144565.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3144565.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3144565.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3144565.00** |

---

**DATA COMPARE RESULTS**

Clarifii provided Client with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the loan review.

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |

---

Barc 2026-CES1 Due Diligence Narrative Report – PagE \| 17

![](ex99-4_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;11 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;11 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;11 | &nbsp;&nbsp;63.64% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;11 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;2 | &nbsp;&nbsp;11 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

Barc 2026-CES1 Due Diligence Narrative Report – PagE \| 18

![](ex99-4_001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report/Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating Agency Grade Detail and Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR or QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business Purpose Supplement Extract Report

**Disclaimer**

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

 

*Please be advised that Clarifii has not determined whether the Loans comply with federal, state, or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clarifii's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clarifii's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from Loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.*

 

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

 

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

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2026 Clarifii LLC. All rights reserved.

Barc 2026-CES1 Due Diligence Narrative Report – PagE \| 19

## Exhibit 99.4

**Exhibit 99.4 Schedule 1** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 573547 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6495 | 9.993 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9727.62 | Yes | Employed |  | No |  | No |  |
| XXXX | 588657 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 660506 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 24995 | 11.195 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45310.8 | N/A | Employed |  | No |  | No |  |
| XXXX | 674291 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 705143 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 706224 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 708960 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 755283 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 995 | 8.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13505.13 | Yes | Employed |  | No |  | No |  |
| XXXX | 756845 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 9745 | 12.207 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 67480.97 | N/A | Employed |  | No |  | No |  |
| XXXX | 761127 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2210 | 12.86 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15708.35 | Yes | Employed |  | No |  | No |  |
| XXXX | 780524 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4985.63 | 10.844 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 40824.33 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 573547 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | 588657 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 588657 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 588657 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.223 | 1.124 | Variance due to lender counting taxes/insurance twice. |
| XXXX | 660506 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 660506 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 660506 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.01 | 47.14 | Lender 1008 DTI 40.83% - Variance due to lender using a higher payment for the 2nd lien. |
| XXXX | 674291 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 674291 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | per Appraisal |
| XXXX | 674291 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 288.52 | DSCR |
| XXXX | 705143 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 705143 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per AVM |
| XXXX | 706224 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 706224 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 706224 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 706224 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 706224 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.52 | 1.149 | When calculated lender included taxes and insurance twice |
| XXXX | 708960 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 708960 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.054 | 1.229 | Audit DSCR lower than lender's due to higher taxes |
| XXXX | 755283 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 756845 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 756845 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 756845 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 756845 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal. |
| XXXX | 761127 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 780524 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 780524 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 780524 | XXXX | XXXX | Borrower 1 Email or Internet | the1003Page | XXXX | XXXX | Per Final 1003 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 573547 | XXXX C B A | Closed | FCRE1441 | 2025-04-17 07:46 | 2025-07-18 12:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non-material finding with compensating factors. Exception to waive the credit event seasoning for the subject property first lien<br> that is obligated to the non-borrowing spouse. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Counter-The guidelines reflect that there should be no foreclosures (NOD) in the last 48 months. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Please waive the finding as the VOM in file for the XXXX on the satisfied second lien shows current since XXXX. Also, the property listing/removal in XXXX meets the three-month property listing requirement. The XXXX first lien NOD filed XXXX or payment history does not apply as borrower is not obligated on the debt. Please waive. Thank you. - Seller-06/13/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements The appraisal notes that the subject was listed for sale in the last 12 months and the MLS listing states "Notice of Default". Provide clarification and documentation to confirm this meets guidelines. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Ready for Review-Please waive the finding as the VOM in file for the XXXX on the satisfied second lien shows current since XXXX. Also, the property listing/removal in XXXXmeets the three-month property listing requirement. The XXXX first lien NOD filed XXXX or payment history does not apply as borrower is not obligated on the debt. Please waive. Thank you. - Seller-06/13/2025 | Waived-Originator waiver applied to non-material finding with compensating factors. Exception to waive the credit event seasoning for the subject property first lien<br> that is obligated to the non-borrowing spouse. - Due Diligence Vendor-07/18/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 43.17%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 727 | 24+ month credit history exceeds minimum required<br> 5+ years Verified employment history exceeds guidelines<br> 727 fico<br> 43.17% DTI | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3888036 |
| XXXX | 573547 | XXXX C B A | Closed | FPRO0021 | 2025-04-17 09:45 | 2025-04-21 13:50 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Upon further review, a PDI is not required per the guidelines. Last inspection was XXXX and the appraiser addressed the adverse event. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The appraisal was completed on XXXX. Pursuant to XXXX wildfire disaster policy "Appraisal Completed Within 30 Days After Disaster End Date a PDI is not required. - Seller-04/17/2025 <br> Open-XXXX Closing Disaster XXXX Post Disaster Inspection required. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. We respectfully disagree. The appraisal was completed on XXXX. Pursuant to XXXX disaster policy "Appraisal Completed Within 30 Days After Disaster End Date a PDI is not required. - Seller-04/17/2025 | Resolved-Upon further review, a PDI is not required per the guidelines. Last inspection was XXXX and the appraiser addressed the adverse event. - Due Diligence Vendor-04/21/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 43.17%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 727 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3889074 |
| XXXX | 588657 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 660506 | XXXX C B A | Closed | FCRE1195 | 2025-06-27 11:14 | 2025-06-27 12:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted to allow 80 CLTV (max is 75% for 2-4 unit), Non-material waiver applied with comp factors. non-material due to low dti, good credit profile, CLTV exception less then 5%.&nbsp;&nbsp;&nbsp;&nbsp; - Due Diligence Vendor-06/27/2025 <br>Open-Audited CLTV of 79.95% exceeds Guideline CLTV of 75% Lender exception matrix allows for 75% MAX CLTV for 2-4 Units. Requesting exception to go up to 80% CLTV for 2-4 units. - Due Diligence Vendor-06/27/2025 |  | Waived-Originator exception granted to allow 80 CLTV (max is 75% for 2-4 unit), Non-material waiver applied with comp factors. non-material due to low dti, good credit profile, CLTV exception less then 5%.&nbsp;&nbsp;&nbsp;&nbsp; - Due Diligence Vendor-06/27/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage history 0X30X24<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 35.01%. <br>Months Reserves exceed minimum required - 0 mths reserves required- Borrower has 44 mths in reserves | Mortgage history 0X30X24<br> 5% below Max DTI <br> 20 yrs on job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4586253 |
| XXXX | 674291 | XXXX C B A | Closed | FCRE3333 | 2025-07-15 08:01 | 2025-07-15 10:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed by guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/15/2025 <br>Open-Subject property was listed for sale within a time period not allowed per guidelines Exception Request: Recently listed for sale in the last 6 months are not eligible. Requesting it to be allowed. - Due Diligence Vendor-07/15/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/15/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20- Borrower's DSCR % is 1.59.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 739 | - DSCR % > 1.20%<br> - FICO Score at least 20 points above minimum<br> - 24+ months 0X30 mortgage history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4816808 |
| XXXX | 674291 | XXXX C B A | Closed | FCRE1195 | 2025-07-15 07:58 | 2025-07-15 10:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/15/2025 <br>Open-Audited CLTV of 72.66% exceeds Guideline CLTV of 70% Exception Request: Requesting exception to allow 72.662% CLTV, as this is a 4 unit and the max CTV is 70%. - Due Diligence Vendor-07/15/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/15/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20- Borrower's DSCR % is 1.59.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 739 | - DSCR % > 1.20%<br> - FICO Score is at least 20 points above minimum<br> - 24+ months 0X30 mortgage history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4816790 |
| XXXX | 705143 | XXXX D B A | Closed | FCRE1195 | 2025-08-14 11:34 | 2025-08-19 14:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted to allow CLTV. Non-material waiver applied to finding with compensating factors. Non-Material 5% variance - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025 <br>Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender EXCEPTION REQUEST in file: to allow 75% cltv on a 2 unit invesment. Finding remains due to missing appraisal and confirmation of appraised value. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025<br>| Waived-Originator exception granted to allow CLTV. Non-material waiver applied to finding with compensating factors. Non-Material 5% variance - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 784<br>On time mortgage history exceeds guideline requirement - Mortgage History 0X30 for 24 months | Credit is 784<br> mortgage history 0x30 24months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5177989 |
| XXXX | 705143 | XXXX D B A | Closed | FCRE0043 | 2025-08-14 11:36 | 2025-08-19 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025<br>| Resolved-Received DSCR Calculation - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 784<br>On time mortgage history exceeds guideline requirement - Mortgage History 0X30 for 24 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5178027 |
| XXXX | 705143 | XXXX D B A | Closed | FCRE1232 | 2025-08-14 11:26 | 2025-08-19 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Received 1025 Appraisal - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025 <br>Open-The Calculated DSCR of '0' is less than the minimum DSCR per lender guidelines of '1'. Missing 1007 or Operating Income Statement a lease agreement unable to calculate. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025<br>| Resolved-Received 1025 Appraisal - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 784<br>On time mortgage history exceeds guideline requirement - Mortgage History 0X30 for 24 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5177769 |
| XXXX | 705143 | XXXX D B A | Closed | FPRO1242 | 2025-08-14 11:06 | 2025-08-19 14:23 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025 <br>Open-Appraisal is Missing Full Appraisal (1004, 1025, 1073) or a 2055 Drive-by Appraisal, both requiring: Appraisal Desk Review supporting value within 10% variance. If the review variance is greater than 10%, the lower of the two is to be used to calculate CLTV. Also should income 1007 or 1025 rent schedule. Only AVM in file. Additional finding may apply once received. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/15/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 784<br>On time mortgage history exceeds guideline requirement - Mortgage History 0X30 for 24 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5177178 |
| XXXX | 705143 | XXXX D B A | Closed | FCRE1194 | 2025-08-14 11:43 | 2025-08-14 14:14 | Resolved | 1 - Information B A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review LTV does not exceed. - Due Diligence Vendor-08/14/2025 <br>Open-EXCEPTION REQUEST to allow up to 75% LTV with 2 vacant units on a 2 unit property - Due Diligence Vendor-08/14/2025 |  | Resolved-Upon further review LTV does not exceed. - Due Diligence Vendor-08/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 784<br>On time mortgage history exceeds guideline requirement - Mortgage History 0X30 for 24 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5178180 |
| XXXX | 706224 | XXXX B A | Closed | FCRE0969 | 2025-11-20 15:39 | 2025-11-20 15:39 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-11/20/2025 <br> Open-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXXLaw a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-11/20/2025 |  | Waived-Per XXXX Department of Banking & Insurance XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-11/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - 790 > 700<br>CLTV is less than guidelines maximum - Max CLTV 80%, borrowers DTI 70% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | N/A | 6331748 |
| XXXX | 708960 | XXXX D B C A | Closed | FPRO1242 | 2025-08-21 10:57 | 2025-08-25 15:32 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/21/2025 <br> Open-Appraisal is Missing Provide missing appraisal form 1004 with 1007, dated XXXX. DSCR calculations to be re- confirmed; additional conditions may apply. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/21/2025<br>| Resolved-Received appraisal - Due Diligence Vendor-08/25/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV is 75%, subject CLTV is 65.78%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 680, borrower FICO is 714. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5265038 |
| XXXX | 708960 | XXXX D B C A | Closed | FCRE1441 | 2025-08-21 13:51 | 2025-08-21 14:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow collection not to be paid, Non-material waiver applied with comp factors. non-material due to collection last reporting XXXX; cash out proceeds sufficient to cover account which meets 3.0 guidelines. - Due Diligence Vendor-08/21/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Current guidelines require us to payoff the collection; exception to go off of guidelines 3.0 - Due Diligence Vendor-08/21/2025 |  | Waived-Originator exception granted to allow collection not to be paid, Non-material waiver applied with comp factors. non-material due to collection last reporting XXXX; cash out proceeds sufficient to cover account which meets 3.0 guidelines. - Due Diligence Vendor-08/21/2025 | CLTV is less than guidelines maximum - Lender max CLTV is 75%, subject CLTV is 65.78%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 680, borrower FICO is 714. | LTV is over 5% below max allowed<br> FICO is over 20+ points higher than minimum<br> 0x30 mortgage history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5269966 |
| XXXX | 708960 | XXXX D B C A | Closed | FCRE1498 | 2025-08-21 13:49 | 2025-08-21 14:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted to allow first time investor, Non-material waiver applied with comp factors. non-material due to CLTV under 70% - Due Diligence Vendor-08/21/2025 <br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Lender Exception: Approved for first time investor. - Due Diligence Vendor-08/21/2025 |  | Waived-Originator exception granted to allow first time investor, Non-material waiver applied with comp factors. non-material due to CLTV under 70% - Due Diligence Vendor-08/21/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV is 75%, subject CLTV is 65.78%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 680, borrower FICO is 714. | FICO is over 20+ points higher than min<br> 24+ months of good mortgage history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5269935 |
| XXXX | 755283 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 756845 | XXXX D B A C | Closed | FPRO1245 | 2025-09-18 16:37 | 2025-09-18 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-1004D in file - Due Diligence Vendor-09/18/2025 <br>Open-Primary Value Appraisal is Expired - Due Diligence Vendor-09/18/2025 |  | Resolved-1004D in file - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - 11.39 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - DTI of 34.33% is less than the maximum allowed per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5592636 |
| XXXX | 756845 | XXXX D B A C | Closed | FCRE6666 | 2025-09-16 15:16 | 2025-09-18 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-The 1004D was dated XXXX. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-We respectfully disagree. The 1004D is dated XXXX prior to the loan disbursement date of XXXX. - Seller-09/16/2025 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. 1004D provided is dated after note date. - Due Diligence Vendor-09/16/2025 | Ready for Review-We respectfully disagree. The 1004D is dated XXXX prior to the loan disbursement date of XXXX. - Seller-09/16/2025 | Resolved-The 1004D was dated XXXX. - Due Diligence Vendor-09/18/2025 | Months Reserves exceed minimum required - 11.39 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - DTI of 34.33% is less than the maximum allowed per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5558847 |
| XXXX | 756845 | XXXX D B A C | Closed | FPRO1135 | 2025-09-16 15:16 | 2025-09-16 17:42 | Waived | 2 - Non-Material C B | Property | Appraisal | Primary Value Valuation Date is after the Note Date | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/16/2025 <br> Open-Primary Value Valuation Date of XXXX is after the Note Date of XXXX Exception in file to Permit the use of a 1004D Recertification of Value from the prior XXXX appraisal for this subsequent transaction. - Due Diligence Vendor-09/16/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/16/2025<br>| Months Reserves exceed minimum required - 11.39 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - DTI of 34.33% is less than the maximum allowed per guidelines of 50% | -DTI more than 5% below max<br> - Self employed over 5 years<br> - Residual Income =/> 1.5 times $3,500 monthly residual income<br> - CLTV is 5% less than guidelines maximum<br> -20 yrs on the job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5558846 |
| XXXX | 756845 | XXXX D B A C | Closed | FCRE9580 | 2025-09-16 17:11 | 2025-09-16 17:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Bankruptcy History does not meet guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/16/2025 <br> Open-Exception in file Allow 24 months seasoning for the dismissed XXXX.<br> - Due Diligence Vendor-09/16/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/16/2025<br>| Months Reserves exceed minimum required - 11.39 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - DTI of 34.33% is less than the maximum allowed per guidelines of 50% | -DTI more than 5% below max<br> - Self employed over 5 years<br> - Residual Income =/> 1.5 times $3,500 monthly residual income<br> - CLTV is 5% less than guidelines maximum<br> -20 yrs on the job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5560860 |
| XXXX | 761127 | XXXX C B A | Closed | FCRE1197 | 2025-09-18 00:25 | 2025-09-19 12:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted, waiver applied with comp factors. - Due Diligence Vendor-09/18/2025 <br>Open-Audited FICO of 658 is less than Guideline FICO of 660 Lender Exception approval in file for 658 fico. Per matrix, min fico 660. - Due Diligence Vendor-09/18/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - 6.49 mos reserves. Per guides, no reserves required.<br>Qualifying DTI below maximum allowed - Borr DTI 34.28%. Per guides, maximum DTI 50%. | -5+ years verified employment history<br> - Qualifying DTI 5% below maximum allowed<br> -15 Years on Job |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5579708 |
| XXXX | 761127 | XXXX C B A | Closed | FCRE1200 | 2025-09-17 23:57 | 2025-09-19 12:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted, waiver applied with comp factors. - Due Diligence Vendor-09/18/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Lender Exception approval in file for XXXX loan amount. Per matrix, min loan amount XXXX. - Due Diligence Vendor-09/18/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - 6.49 mos reserves. Per guides, no reserves required.<br>Qualifying DTI below maximum allowed - Borr DTI 34.28%. Per guides, maximum DTI 50%. | -5+ years verified employment history<br> - Qualifying DTI 5% below maximum allowed<br> -15 Years on Job |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5579632 |
| XXXX | 780524 | XXXX C B A | Closed | FCRE1510 | 2025-09-25 19:52 | 2025-10-13 15:15 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/09/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/09/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 12.44 mths in reserves<br>Long term residence - Long term residence--- Borrower has resided in current home for over 3.5 yrs with timely pymt history |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5678994 |
| XXXX | 780524 | XXXX C B A | Closed | FCRE1440 | 2025-09-29 11:18 | 2025-09-29 11:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow 2nd mortgage lates, Non-material waiver applied with comp factors. non-material due to LTV. - Due Diligence Vendor-09/29/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Guides do not allow for mortgage late son 2nd liens - Due Diligence Vendor-09/29/2025 |  | Waived-Originator exception granted to allow 2nd mortgage lates, Non-material waiver applied with comp factors. non-material due to LTV. - Due Diligence Vendor-09/29/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 12.44 mths in reserves<br>Long term residence - Long term residence--- Borrower has resided in current home for over 3.5 yrs with timely pymt history | 724 fico<br> 41% dti<br> self employed 7 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5702599 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** |
| XXXX | 573547 | XXXX | XXXX C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A B |
| XXXX | 588657 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 660506 | XXXX | XXXX C | N/A C | N/A | N/A C | N/A C B | N/A B | N/A B |
| XXXX | 674291 | XXXX | XXXX C | N/A C | N/A | N/A C | N/A C B | N/A B | N/A B |
| XXXX | 705143 | XXXX | XXXX D | N/A D | N/A D | N/A D | N/A D B | N/A B | N/A B |
| XXXX | 706224 | XXXX | XXXX B | N/A B | N/A | N/A B | N/A B | N/A B | N/A B |
| XXXX | 708960 | XXXX | XXXX C | N/A C | N/A D | N/A D | N/A D B | N/A B | N/A B |
| XXXX | 755283 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 756845 | XXXX | XXXX D | N/A D | N/A C | N/A C D | N/A D B | N/A B | N/A B |
| XXXX | 761127 | XXXX | XXXX C | N/A C | N/A | N/A C | N/A C B | N/A B | N/A B |
| XXXX | 780524 | XXXX | XXXX C | N/A C | N/A | N/A C | N/A C B | N/A B | N/A B |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 573547 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.86 | 56.33 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 588657 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.39 | 69.92 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 660506 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 21.82 | 79.95 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 674291 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 21.33 | 72.66 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 705143 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 24.55 | 75.0 | XXXX | XXXX | -.0948 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0948 | 92.0 | 0.08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 706224 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 29.5 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 708960 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.32 | 65.78 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 755283 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.09 | 73.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 756845 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.14 | 68.33 | XXXX | XXXX | -.0200 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0200 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 761127 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 4.63 | 64.74 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 780524 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.82 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1 | XXXX |

---

## Exhibit 99.5

**Exhibit 99.5**

---

| | |
|:---|:---|
| ![](ex99-5_001.jpg) | **Executive Narrative** |

---

**January 28, 2026**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**Barclays Capital Inc.**

The report summarizes the results of a due diligence review performed on a pool of 56 loans, of which were purchased by Barclays Capital Inc. ("Customer") via reliance letter, and for which the Originators provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review of the loan.

As detailed herein, the pool contains a total of 56 Closed End Second loans, of which 51 were NQM and 5 were ATR/QM: Exempt, business loans, and were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

**Closed End Second**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

**a)** **Guidelines:** Determine whether
each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant
should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q,
Consultant will consider Fannie Mae's Single-Family guidelines.

**b)** **Employment:** Review the file
documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

**c)** **Income:** Recalculate borrower(s)
monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance
with the Client provided underwriting guidelines.

**d)** **Assets:** Confirm the presence
of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and
borrower liquidity.

**e)** **Debt Ratio:** Recalculate the
debt to income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided
underwriting guidelines and regulatory requirements.

**f)** **Property Valuation:** Analyze
all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility
of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client
provided underwriting guidelines.

**g)** **Loan-to-Value Ratio:** Recalculate
and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting
guideline and regulatory requirements.

**h)** **Credit History:** Review the
credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline
requirements.

**i)** **Credit Scores**: Verify that borrower(s) meet minimum credit
score requirements of the Client provided underwriting guidelines.

j) **Compensating Factors:** Verify
exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy: Verify the presence
of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify
the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders,
addendums and endorsement are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed
of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present
and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title
company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review
and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent
document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document
was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance Deed: Verify as applicable that
a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed
on the deed.

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement: If required,
verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance
requirements.

&nbsp;&nbsp;&nbsp;&nbsp;· Final Truth-in-Lending Disclosure: If required,
verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures
are present.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based
on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate: If required verify the presence of the current Loan Estimate
(LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;· Closing Disclosure: If required verify the presence of the current Closing
Disclosure (CD) at the time of origination.

**c) Credit Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet:
Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower.
Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of
housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification
of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation
are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required
by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of
income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing
income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of
asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each
loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative
Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of
insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm
that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending. The review is conducted using both Paragon and Compliance Ease.

If applicable, the regulatory compliance review will be conducted in line with the most recently dated Structured Finance Association (SFA) TRID Compliance Review Scope.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a) Federal Truth in Lending Act/Regulation Z:**

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b) Federal Truth in Lending Act/ Regulation Z:**

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s).

Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Wipro Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business Days as Defined by Regulation Z

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

**c) MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):**

&nbsp;&nbsp;&nbsp;&nbsp;i) Initial Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business days of application

ii) No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

iii) 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

iv) 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;v) APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or <sup>1</sup>/<sub>4</sub> of percent
difference in APR based on regular or irregular payment stream.

**d) Home Ownership Equity Protection Act (HOEPA) testing, to include:**

&nbsp;&nbsp;&nbsp;&nbsp;i) APR test [HOEPA (§1026.32(a)(1))] ]

ii) If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a six-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined by the Client on a case by case basis.

iii) Points and Fees test [HOEPA (§1026.32(a)(2))]

iv) Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;v) Review and confirm documentation type (i.e. full, stated, no ratio)

vi) Review for evidence of prepayment penalty

vii) Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

**e) Federal Higher Priced Mortgage Loan Testing**, to include:

HPML(§1026.35(a)(1))] - A loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on Conforming First Liens, 2.50% for Jumbo First Liens and 3.50% or more percentage points on Second Liens.

Escrow Requirement - Loans that fall under the guidelines of a Higher Priced Mortgage Loan (HPML) will require escrow accounts to be in place for the first five years of the transaction. A loan will be considered a Higher Priced Mortgage Loan based on the guidelines shown above (HPML Testing – APR)

HPML Appraisal Rule - An HPML designation also requires additional appraisal requirements. Requirements include:

&nbsp;&nbsp;&nbsp;&nbsp;· Three-day disclosure from application of the right to a free copy

&nbsp;&nbsp;&nbsp;&nbsp;· Written appraisal from certified or licensed appraiser

&nbsp;&nbsp;&nbsp;&nbsp;· Interior inspection

&nbsp;&nbsp;&nbsp;&nbsp;· Delivery of copies no later than three days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;· If the property falls under the 'flipping'
definition, a second appraisal is required and must document:

&nbsp;&nbsp;&nbsp;&nbsp;· The difference in the original sales price and the subsequent
sales price

&nbsp;&nbsp;&nbsp;&nbsp;· Changes in market conditions

&nbsp;&nbsp;&nbsp;&nbsp;· Property improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations. System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements.

**f) RESPA/Regulation X** (Loans with an Application Date prior to 10/03/2015):

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE):

&nbsp;&nbsp;&nbsp;&nbsp;· Consultant
will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including the presence of the current
GFE form in effect at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify the GFE was provided
to the borrower(s) within three days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;· Application
shall be defined by Regulation X and generally be considered complete when the following seven conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Borrower(s) First and Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Subject Property Address (including "To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Mortgage Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Estimation of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Any other requirement as defined in the lender's policies and procedures

&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will verify that
all Broker fees, including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees will be reviewed to
ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed
on the GFE and were reflected in the proper location on the document.

&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to determine whether
a Changed Circumstance form is required to accompany each revised Good Faith Estimate (GFE)

&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Acts of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Information particular to borrower or transaction that was relied on in providing the GFE and that changes
or is found to be inaccurate after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. New information particular to the borrower or transaction that was not relied on in providing the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Other circumstances that are particular to borrower or transaction, including boundary disputes, need
for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. In the event any of the above occurs, the loan originator is required to provide a new revised GFE to
the borrower within 3 business days of receiving information sufficient to establish "changed circumstances" and document
the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge
or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate may change. If borrower
later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms. All other charges and terms must
remain the same as on the original GFE, except as otherwise provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1: Consultant will
confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the current applicable Final HUD-1 form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Final HUD-1 accurately lists all broker and YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Credit or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Adjusted Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Transfer Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Lender-required settlement services (lender selects third-party provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Lender-required services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Government recording charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm all fees are accurately
reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm lender accurately provided
borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm loan terms are accurately disclosed between the Good
Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm page 3 of the HUD-1 accurately
reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) QM / ATR (QUALIFIED MORTGAGE/ABILITY TO REPAY) DODD FRANK REVIEW

**(LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014); elective compliance date of Revised QM Rules (applications on or after 3/1/2021); mandatory date of Revised QM Rules for GSE Purchase/Securitization (applications on or after 7/1/2021); and mandatory date of Revised QM Rules (applications on or after 10/1/2022)**

&nbsp;&nbsp;&nbsp;&nbsp;**(1)** **QM/ATR (Qualified Mortgage/Ability to Repay)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a.** **Ability to Repay** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant will incorporate checkpoints for the ATR's eight verification steps for any origination
QC work. Consultant has the option to run ATR checks on any transactions subject to QM that fall outside the ability to meet QM guidelines,
whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the
ability to be screened for ATR if the QM testing fails or the loan is exempt from QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consultant is required to verify all information within the scope of the eight verification steps before
an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration and a page(s) reference to the third-party
records/documentation/images

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Income and Assets

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly qualifying payments for the proposed loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payment for mortgage related obligations for the
proposed loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony and child support

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Qualifying monthly DTI and/or residual income

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. If all of the verifications are made and each of the eight
topic areas is confirmed to agree with the representations made by the lender, and there are no credit exceptions to the lender's
guidelines, the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation to support the stated
values in any of the areas, affected items will not be considered verified and the loan will be subject to failing the ATR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. ATR results will be reported as ATR-Pass. ATR-Fail and ATR-Exempt.
This is in addition to existing credit and compliance related reporting by the Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b.** **Qualified Mortgage** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant's scope includes review of all available
QM types:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Legacy QM (for applications taken on or after January 10,
2014 until September 30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Revised QM (for applications taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Agency QM (for applications taken on or after January 10,
2014 until June 30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Agency QM with APOR (for applications taken on or after July
1, 2021); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Government QM (for applications taken on or after January
10, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;**(2)** **Generally Applicable Factors** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The following factors are reviewed for Legacy, Revised, and
Agency QM categories:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. REGULAR PAYMENTS. Provides for regular periodic payments that are substantially equal, except for the
effect of certain interest rate changes for adjustable or step rates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. TERM. Loan term does not exceed 30 years.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. POINTS AND FEES. Points and fees do not exceed the applicable threshold for the appropriate loan amount.

&nbsp;&nbsp;&nbsp;&nbsp;**(3)** **QM Rules Points and Fees Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Points and fees include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance charges, unless excluded;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The portion of upfront private mortgage insurance that exceeds FHA premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Loan originator compensation – Compensation/YSP known at the time of the consummation will be included
but Consultant does not review lender or broker compensation programs as part of its QM testing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Real estate-related fees if the creditor receives direct or indirect compensation in connection with
the fee or charge, the fee or charge is paid to a creditor affiliate or the fee or charge is not reasonable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Premiums for credit insurance, credit property insurance, and other insurances where the creditor is
the beneficiary, debt cancellation or suspension coverage payments;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum prepayment penalty; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Prepayment penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Points and fees exclude:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Bona fide third-party charges not retained by the creditor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Government mortgage insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Private mortgage insurance premiums up to an amount equal to government insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Up to two bona fide discount points if the interest before the discount does not exceed APOR by 1% based on a calculation that is
consistent with established industry practices for determining the amount of reduction in the interest rate or time-price differential
appropriate for the amount of discount points paid by the consumer; if no discount points excluded up to one bona fide discount point
if the loan's interest rate before the discount does not exceed APOR 2%; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Sellers points

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. A loan is a QM loan if the points and fees do not exceed (values
marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3 percent of the total loan amount for a loan greater than or equal to $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. $3,000\* for a loan greater than or equal to $60,000\* but less than $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 5 percent of the total loan amount for a loan greater than or equal to $20,000\* but less than $60,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. $1,000\* for a loan greater than or equal to $12,500\* but less than $20,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. 8 percent of the total loan amount for a loan less than $12,500\*

&nbsp;&nbsp;&nbsp;&nbsp;**(4)** **Legacy QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all
Legacy QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Monthly Payment. The amount of the monthly payment on the loan is calculated using the maximum rate that
may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Appendix Q. Considers and verifies income, assets, employment, and debts in accordance with Appendix
Q. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. DTI. The DTI ratio of total monthly debt to total monthly income does not exceed 43 percent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verified. Only verified amounts will be included in the QM debt-to-income test - verified income and
assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will
be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything
above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

&nbsp;&nbsp;&nbsp;&nbsp;**(5)** **Revised QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all
Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **Monthly Payment.** The amount
of the monthly payment on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly
payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Consider and Verify.** The
creditor must consider and verify the consumer's current or reasonably expected income or assets other than the value of the dwelling
(including any real property attached to the dwelling) that secures the loan, debt obligations, alimony, child support, and debt-to-income
ratio or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Consider.** As part of the "consider"
 requirement, Consultant will review the (a) creditor's policies and procedures provided by Client, as well as any exceptions
 thereto, for how the creditor takes into account the underwriting factors enumerated above, and (b) the documentation retained by
 creditor, such as an underwriting worksheet or a final automated underwriting system certification in combination with the
 creditor's applicable underwriting standards and any applicable exceptions described in its policies and procedures, showing how the creditor took these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Verify**. Creditor is
 deemed to have complied with the "verify" requirement if it complies with the verification standards in one or more of
 these following agency manuals:

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. For purposes of compliance with the requirement to verify through
 reasonably reliable third-party records, a creditor need only comply with those provisions in the manuals that require creditors to
 verify income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular
 inflows, property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Revised versions of manuals. A creditor also complies with the verification requirement where it complies with revised versions
 of the manuals listed above, provided that the two versions are "substantially similar."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. The Revised QM Rule permits the creditor to "mix and match" verification standards from
 different agency manuals. Consultant will test the creditor's "verification" of third- party records in instances
 when the creditor either uses (a) its own procedures or alternatively, (b) the verification standards of one or more of the agency
 handbooks listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Note: the creditor (or client, as the case may be,) must provide written policies and procedures and related documentation such
 as underwriter worksheets in order for Consultant to review loans under the Revised QM Rules, and in particular, with regard to the
 "consider" and "verify" requirements. Further, if the creditor (or client, as the case may be) intends to
 use the verification safe harbor, its written policies and procedures must specify the precise agency handbook(s) that it is relying
 on with specific references to the particular provisions addressing income, assets, debt obligations, alimony and child support
 using specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt
 obligations, alimony, and child support – as well as the specific dates(s) of the agency handbook(s) issuance, publication or
 revision. In addition, Consultant is not responsible for determining whether revised versions of the manuals listed above are
 "substantially similar" for purposes of the verification safe harbor; such a determination of the sole responsibility of
 the creditor (or client, as the case may be).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Note: due to the inherent subjectivity of the foregoing "consider" and
 "verify" requirements, Consultant will review the creditor's (or client's, as the case may be) (i) policies
 and procedures and worksheets and (ii) methods and criteria for verification of income and assets (regardless of whether the
 "safe harbor" is utilized) for content only, and will not opine whether such policies and procedures, worksheets and
 verification methods and criteria themselves comply with applicable law, and cannot guarantee that a court, governmental regulator,
 rating agency or another third party diligence provider would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. APR-APOR Spread and Loan Thresholds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The APR on the loan does not exceed APOR for a comparable
transaction as of the date the interest rate is set the following loan amount thresholds (values marked with "\*" are indexed
for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For a first-lien loan with a loan amount greater than or equal to '$110,260,\* 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with a loan amount greater than or equal to $66,156\* but less than $110,260\*, 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a first-lien loan with a loan amount less than $66,156,\* 6.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For a subordinate-lien loan with a loan amount great than or equal to $66,156\*, 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For a subordinate-lien loan with a loan amount less than $66,156\*, 6.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For a first-lien loan secured by a manufactured home with loan amount less than $110,260\*, 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Short Term ARMs.** The APR used
on short term ARMs of five years or less uses the maximum rate in the first five years for the entire term of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**iv.** **ATR Presumptions for Revised QM Rules** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Safe Harbor. For first-lien transactions, a loan receives a conclusive presumption that the consumer
had the ability to repay (and hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the
APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Higher Priced. A first-lien loan receives a rebuttable presumption that the consumer had the ability
to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points.
There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing
loans—all of which will be tested by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;**(6)** **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale
to Fannie Mae or Freddie Mac. The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;(7) **Agency QM with APOR/ General Qualified Mortgage (QM) testing.** Meets
the test for "Agency QM" and the APOR test applicable for Revised QM.

&nbsp;&nbsp;&nbsp;&nbsp;**(8)** **Government QM/ General Qualified Mortgage (QM) Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development
under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department
of Agriculture under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;**(9)** **QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For QM/TQM testing, the results of the debt-to-income test (Legacy QM), APR-APOR spread test (Revised
QM), or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested
by the rating agencies:

· QM/TQM-ATR Pass / Non-HPML [QM or TQM – Pass / HPML – No]

· QM/TQM-ATR Pass / HPML [QM or TQM – Pass / HPML – Yes]

· ATR Fail / Non-HPML [QM or TQM – Fail / HPML – No]

· ATR Fail / HPML [QM or TQM - Fail / HPML – Yes]

· NonQM / Compliant [NonQM or TQM Loan, Exempt / ATR – Compliant]

· NonQM / Noncompliant [NonQM or TQM Loan, Exempt / ATR –Noncompliant]

· Not Covered – / Exempt [QM or TQM – Exempt / ATR – Exempt]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For Revised QM Rules testing, the following results will be provided to establish Verified Safe Harbor
designation:

· VSH Confirmed [Verified Safe Harbor]

· NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

&nbsp;&nbsp;&nbsp;&nbsp;**(10)** **Legacy and Revised QM Rules** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Current testing for Higher Priced Covered Transactions will
be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Covered Transaction
if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage
points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium
factor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**h) Regulatory Compliance Disclaimer**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i) Seasoning And Certain Compliance Exceptions**

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

**TRID**

1) TILA RESPA Integrated Disclosure Statement of Work

**Eligibility**

The following criteria are used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;· The Application Date is October 3, 2015, or
later (the earlier of the date the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;· The Loan Purpose and Property Type includes a closed-end mortgage secured
by real estate:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Purchase

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Refinance
(Cash Out or Rate Term)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Construction
and Construction to Permanent Financing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o SFR,
1-4 Unit, PUD, Condo and Coops (Coop may be excluded based on Client instructions)

&nbsp;&nbsp;&nbsp;&nbsp;· The Loan Purpose and Property Type does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o HELOCs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Reverse
mortgages

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Dwellings
that are not attached to real property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mobile
homes, where the consumer does not own the land,

&nbsp;&nbsp;&nbsp;&nbsp;· For purposes of determination of Occupancy, TRID applies to loans for owner
occupied, second home and vacant land.

&nbsp;&nbsp;&nbsp;&nbsp;· Wipro Opus will apply the standard exemptions from TILA, i.e., business
purposes loans, loans for agricultural purposes and

loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Please be aware that TILA contains a TRID-specific exemption for certain subordinate lien loans for the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency or foreclosure avoidance or prevention. Wipro Opus will not test such loans for TRID compliance.

**Loan Estimate (″LE″)**<br> 1. Initial LE

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of compliance with timing requirements
as to whether the Initial LE was delivered within three (3) business days from the Application Date. The Initial LE shall use the delivery
date to calculate the earliest closing Consummation Date (no less than seven (7) business days from the delivery of the Initial LE). The
delivery date is the date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(1)(b) If the LE
does not contain a signature line for the consumer's confirmation of receipt, then Wipro Opus will look for the "Loan Acceptance"
statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;· Verification that the
correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections) and
the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical
formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of the document preparation
source.

&nbsp;&nbsp;&nbsp;&nbsp;· General loan information and loan terms sections
completed and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify all applicants applying for credit, as disclosed on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;· "Can this amount
increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the
terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· If rate is locked, were lock expiration date,
time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;· Settlement charges good
through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees are locked
during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated Taxes, Insurance
& Assessments sections are complete and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· The Closing Costs and Cash-to-Close sections
are complete and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees disclosed properly (alphabetical order
within Section with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· It is recommended that an Itemization of Fees
is provided for any fees disclosed as "Aggregate". It is quite difficult to determine if the fees are disclosed properly without
this information.

&nbsp;&nbsp;&nbsp;&nbsp;· Any addenda found in file listing ADDITIONAL fees for sections other than
Section C

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only Payments, Optional Payments,
Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures
in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step Rate, is Adjustable Interest
Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· The Comparison section is complete and accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· In 5 Years calculations for Total of Payments
(TOP) and Total Principal Paid are accurate based on the terms and fees disclosed on page 1 and 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· APR is accurate within tolerance based on the terms disclosed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;· Total interest Percentage (TIP) is accurate based on the loan terms disclosed
on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;· Other Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;2. Revised LEs

If there has been a revision to the LE, validate that the Revised LE is provided within three (3) days of COC, BRC or interest rate lock. Review as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Changed
Circumstance affecting settlement charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Change
Circumstance affecting eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Revisions
requested by the consumer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Interest
rate dependent charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Expiration
of the LE and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Delayed
settlement date on a construction loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Timing
Requirement for LE 7 days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;3. Determination of Final Binding LE

&nbsp;&nbsp;&nbsp;&nbsp;· Review and analyze each LE in file to determine
final Binding LE. If there is a change in loan terms, change in interest rate or increase in charges subject to variances without valid
reason for a Revised LE as set forth above, findings will be cited. If a Revised LE was issued without a valid reason, the previous valid
LE would be considered the Binding LE for the purposes of comparison with the Closing Disclosure. [Also see Variance Tests and Closing
Disclosure for COC/BRC events disclosed after issuance of Initial CD]

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of compliance with timing requirements
that there have been no loan estimates provided to the borrower after a Closing Disclosure has been delivered, and whether the Final LE
was provided at least four (4) business days prior to the closing Consummation Date.

If the LE does not contain a signature line for the consumer's confirmation of receipt, then Wipro Opus will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;· Verification that the
correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections) and
the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical formatting of
the LE is NOT included in the standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;· General loan information and loan terms sections completed and formatting
is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify loan term, purpose, and product descriptions follow the prescribed
format.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify all applicants applying for credit, as disclosed on the application,
are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· If rate is locked, were lock expiration date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;· Settlement charges good
through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees are locked
during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and
Estimated Taxes, Insurance & Assessments sections are complete and accurate based on the loan terms and information known at the time
of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· The Closing Costs and Cash-to-Close sections
are complete and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees disclosed properly (alphabetical order
within Section with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· It is recommended that an Itemization of Fees is provided for any fees disclosed
as "Aggregate". It is quite difficult to

determine if the fees are disclosed properly without this information

Any addenda found in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only Payments, Optional Payments,
Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures
in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step Rate, is Adjustable Interest
Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· The Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;· Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;· Other Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;4. Written List of Providers ("WLSP")

If the lender places fees in the Services You Can Shop For category, verify that the file contains a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must include at least one available provider for each service and state the consumer may choose a different provider for that service. If a written list of service providers is not provided, the fees will be treated as a 10% Tolerance fee but a finding for missing service provider list will be noted. If a written list of service providers is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee but a finding for a service provider list being provided outside of three (3) days from application will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;5. Variance tests

Utilize one (1) of the following Variance Categories in performing variance tests:

**Zero Tolerance/Variance\*** - A finding will be cited if any charges increase from the Binding LE to the Final CD without COC or BRC. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;· Fees paid to the lender, broker or an affiliate
of either lender or broker [fees paid to an affiliate of the lender for services NOT required by the creditor are not subject to tolerance/variance
per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;· Fees paid to an unaffiliated third party if
the lender did not permit the borrower to shop for servicer; and

&nbsp;&nbsp;&nbsp;&nbsp;· Transfer taxes.

&nbsp;&nbsp;&nbsp;&nbsp;· Lender Credits

Any fees that increase on the CD and are paid at closing by someone other than the borrower (e.g. seller or other third party) should be treated as borrower-paid for purposes of the tolerance calculations in 12 CFR § 1026.19(e)(3)(i) – (iii). For example, if a $500 appraisal fee (for which the borrower could not shop) was disclosed on the LE as paid by the borrower or in part by the seller, and the fee subsequently increases to $750 on the CD, the $250 increase must be considered, and a tolerance refund of $250 will be due to the borrower unless the increase had been re-disclosed subject to a valid changed circumstance. However, if a fee is not disclosed on the LE, or only the portion that is borrower-paid is disclosed on the LE, there is no tolerance violation (a) if there is evidence in the file to show that the fee was intended to be paid by the seller in full or in part (e.g. fee is addressed in the purchase contract and the amount to be paid by the seller on the CD corresponds with the contract) or (b) if the fee is known to be a fee that is the responsibility of the seller (i.e. a transfer tax in which local law/regulation provides that the seller is responsible for the fee). Fees paid by the lender should be reviewed for compliance with 12 CFR § 1026.19(e)(3)(i) (i.e. fees that increase and are subject to an increased lender credit do not constitute a violation, but a decreased lender credit that was not re-disclosed subject to a valid changed circumstance is a violation and will require a refund).

**10% Tolerance/Variance\*** – A finding will be cited if the aggregate of the charges increase by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;· Recording fees; and

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for third party services not paid
to creditor or affiliate AND borrower permitted to shop for service but selects a provider on the creditor's Written List of Service
Providers.

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid mortgage insurance will be treated
as a 10% tolerance fee if it can be shopped for (and not identified as an affiliate), otherwise it will be treated as a zero tolerance
fee.

&nbsp;&nbsp;&nbsp;&nbsp;· Client considers seller-paid
fees or fees paid by third-parties as borrower-paid for the purposes of tolerance calculations in 12 CFR §1026.19(e)(3)(i) –
(iii) as detailed in section (5) Variance tests (v)

No Tolerance/Unlimited – No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid interest;

&nbsp;&nbsp;&nbsp;&nbsp;· Property insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;· Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for services required by the creditor
but the borrower is permitted to shop for and borrower selects a third party provider not on the lender's Written Service Provider
List; and

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for third party services NOT required
by the creditor (even if paid to an affiliate of the creditor).

**Notes of interest for "No Tolerance/Unlimited":** No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of the disclosure (disclosed in good faith),

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid property taxes
charged by local and state governments periodically will have no tolerance under the general 'best information reasonably available'
standard unless otherwise instructed by the Client.

&nbsp;&nbsp;&nbsp;&nbsp;· As noted above, Wipro Opus will review the
loan file for evidence the disclosure was not made in "Good Faith". "Good faith" means the creditor made the estimate
based on the information reasonably available to them at the time the LE was provided. Absent such evidence, Wipro Opus will consider
the disclosures made in "good faith". Two examples where a disclosure would be considered not made in "good faith"
and a finding cited are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The creditor requires homeowner's insurance but fails
to include a homeowner's insurance premium; a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The creditor knows the loan must close on the 15th of the month but estimates prepaid interest to be
paid from the 30th of that month, a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;· Review for documentation itemizing fees from
the Binding LE to determine unrounded amounts of fees to use for performing tolerance testing only if a tolerance violation occurs. If
no fee itemization is found, tolerance testing will be performed based on the information in the disclosures and a tolerance violation
will be noted if applicable. Utilize fee information from closing instructions or a vendor compliance report, if the file contains the
referenced support documentation.

Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change is related to the COC or BRC.

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with no Interim LE and no COC or
BRC occurring four (4) days prior to consummation, fees and charges on the CD are tested for compliance with permitted variances against
fees disclosed on Initial LE.

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with an Interim LE, the following procedures will be applied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Review of each Interim LE
and fees and charges on the CD are tested for compliance with variance thresholds against fees supported by a valid COC or BRC related
to the charge that increases

&nbsp;&nbsp;&nbsp;&nbsp;· In cases where an Interim LE is issued with
several fee increases, but only some are supported by or related to a valid COC or BRC, those fees which are not supported by or related
to a valid COC, BRC or disclosed on an LE that was not provided timely (within three (3) business days of changed circumstance) will be
tested for variance using the amounts disclosed in the Initial LE previously valid LE.

**Closing disclosure (″CD″)**

&nbsp;&nbsp;&nbsp;&nbsp;· Wipro Opus will conduct a general CD review and verify the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Recommendation: Closing Disclosure provided
at closing be marked "Final." Although this is not a requirement, marking the Closing Disclosure as Final will ensure a timely
review.

&nbsp;&nbsp;&nbsp;&nbsp;· That the correct form is used and all sections of the CD are completed (no
blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;· Acknowledgement of receipt by all borrowers
with a right to rescind under 1026.23 by verifying that each borrower with a right to rescind was provided with a copy of the CD. This
could include the non-borrowing spouse. Acknowledgement is based on lender guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· If the CD does not contain a signature line
for the consumer's signature, Wipro Opus will look for the required alternative statement in "Other Disclosures" with
the heading of "Loan Acceptance". While not required, WIPRO OPUS highly recommends that the client require the CD to be signed
and dated by the consumer as it will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;· If a subsequent CD is issued having changes
to (a) the loan product which affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or (c) an APR which
exceeds the previously disclosed APR by more than 1/8 or <sup>1</sup>/<sub>4</sub> of one percent on regular or irregular transactions,
as the case may be for accuracy. Consultant will test that the borrower was given an additional three (3)-business day waiting period
from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the APR, and that the
final pre-close CD has been received by borrower by consummation. APR reductions beyond these tolerances require the additional 3 day
waiting period unless the overstated APR was based on an overestimated finance charge.

&nbsp;&nbsp;&nbsp;&nbsp;· On the interim and final pre-close CDs the following checks and limitations
apply:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical formatting of
the CD is out of scope in the standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;· Closing, Transaction and Loan Information sections have been completed with
accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan terms sections are completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Wipro Opus will verify loan term, purpose, and product
descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Wipro Opus will verify all applicants applying for credit,
as disclosed on the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated Taxes, Insurance & Assessments sections
are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees have been disclosed properly (alphabetically,
correct buckets and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· Any addenda found in file listing ADDITIONAL
fees for sections other than Section C (Services You Can Shop For) is completed properly.

&nbsp;&nbsp;&nbsp;&nbsp;· Calculating Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Summaries of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Disclosures section complete:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o CD Assumption, Demand Feature, Negative Amortization, and
Partial Payments sections completed properly (at least and only one box selected).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Late Payment completed properly (terms disclosed and accurate
per note).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Escrow Amount section completed properly (only one box
selected and amounts disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Escrow Property Costs over Year 1 to be calculated
per the payments scheduled to be made in a 1 year period after consummation (1026.38)(I)(7)(i)(A)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Non-Escrowed Property Costs over 1 Year to
be calculated using either 11 or 12 months as determined by client. (1026.38)(I)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only, Optional Payments, Step
Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step, is Adjustable Interest Rate (″AIR″) Table disclosed
accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Calculations section complete and accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Total of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Include fees in section A, B, and C that are
paid by the borrower as well as the seller or other if those fees are customarily paid by the borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Capture amounts disclosed
in Loan Calculations section and test for TILA tolerance violations on disclosed APR and Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Total Interest Percentage (TIP) accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other Disclosures section complete with at least one choice selected as
applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review for the creditor's selection
of one of the two options in the Liability After Foreclosure section, but will not make an independent judgment whether or not the selection
is correct for the property state. Only issue a condition if either no selection is made or if both selections are made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Contact Information section is complete with
information from each party of the transaction provided as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Rounding rules verified as per 1026.38(t)(4).
Rounding on all percentages except APR is percentages should be truncated so that a zero is not disclosed in the last decimal place (7.250
should be rounded to 7.25).

**TRID Method of Receipt Of LE And CD**

Determine the method of receipt of the revised LE and CD and perform a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;· In Person: borrower signature date is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - No Receipt Confirmation in File:
three (3) business days from later of document issue date or proof of e-delivery date is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - With Receipt Confirmation in File, date of receipt confirmation
is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - Delivery confirmation of an email, assuming the borrower(s)
have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;· Mail (USPS or other parcel delivery service)
– No Receipt Confirmation in File: three (3) business days from later of document issue date or proof of mailing date is used. Delivery
confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the
borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements.

Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

\*NOTE: If disclosures are sent electronically, a finding will be cited if there is no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.

**Other Recommended TRID Compliance Tests**

Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015

CFPB Amendments:

&nbsp;&nbsp;&nbsp;&nbsp;· Use of TRID forms prior to TRID effective date: a finding will be cited
if the new TRID forms are utilized on a loan with an application received prior to the October 3, 2015 effective
date.

&nbsp;&nbsp;&nbsp;&nbsp;· Use of TRID forms on loans not covered by TRID:
a finding will be cited if the new TRID forms are utilized on loans not covered by TRID (i.e., HELOC, i.e. reverse mortgages, i.e. Chattel
Dwelling loans (loans on mobile homes that are not also secured by the underlying real property or loans on houseboats).

&nbsp;&nbsp;&nbsp;&nbsp;· Your Home Loan Toolkit: a finding will be
cited if the new Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed in the mail is not in the file or
was not provided to the borrower within three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;· Consummation Date: Consummation varies by
applicable state law and the term is not often clearly defined. Accordingly, generally use the notary date. If there are multiple borrowers
and they do not all sign the documents on the same day, then use the latest signature date.

&nbsp;&nbsp;&nbsp;&nbsp;· Post-Consummation Disclosures: TRID review
scope will not include testing for compliance with the following post-consummation disclosures under TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Escrow Closing Notice; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Mortgage servicing transfer and partial payment notices.

**Subsequent Changes After Consummation**

The following prescribed cures as set forth in section 1026.19 (f)(2)(iii) through (v) are acceptable for changes and corrections to the

Final CD after consummation.

1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· If within 30 days of consummation, an event
in connection with the settlement of the transaction occurs that causes the final CD to become inaccurate and such inaccuracy results
in a change to an amount actually paid by the borrower(s) from the amount disclosed, test for evidence that a new, corrected CD is delivered
or placed in the mail to the borrower within thirty (30) days of receiving information that an event occurred.

1026.19(f)(2)(iv) – Changes due to clerical errors.

&nbsp;&nbsp;&nbsp;&nbsp;· Non-numeric clerical errors, for the purpose
of this scope document are any error not related to a disclosed dollar amount or percentage. Test for evidence a new, corrected CD is
delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation. Examples of non-numeric clerical errors
include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the closing information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the transaction information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to loan id # or MIC #.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to non-numeric identifiers in the Estimated
Taxes, Insurance & Assessments section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the fee labels and/or order of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the location of the fee(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to missing cure language.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the "Did This Change" section
of Calculating Cash to Close.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Loan Disclosures section

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to non-numeric items in the Escrow Account
section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Other Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Contact Information section.

&nbsp;&nbsp;&nbsp;&nbsp;· 1026.19(f)(2)(v) – Refunds related to the good faith analysis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Test for evidence such as
a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed in the mail to the borrower within sixty
(60) calendar days of consummation.

A post-consummation CD is understood to be a re-issued CD with a Date Issued represented as the date the post-consummation CD was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation CD noted in the prescribed cures above.

Errors on LE's and Interim CD's and numeric errors on final CD's do not have prescribed cures as per the regulation and therefore will not be reported as having been cured. The assessment of risk and decision to accept a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Servicing
Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure
form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer
Disclosure was provided to the borrower(s) within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications
prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file
for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three
general business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the
Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business
Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided
within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates
for provision of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement
in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided
at closing or within 45 days after settlement

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

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided the borrower
a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may
be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided (delivered)
copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan
File) to the borrower at least three (3) business days prior to consummation Wipro Opus uses the following test: Was appraisal/valuation
documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived the 3-business
day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation
or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm
that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided the borrower
the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)),
as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation,
but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure,
confirm the disclosure was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided a copy
of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995
et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-
746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn.
Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection
Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans
closed before July 1, 2014).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10
et seq.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code
of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House
Bill 4050 (2005).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et
seq.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1;
12-127; 12- 409.1; 12-1029.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as
amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Pr <u>edat</u> ory Home Loan Practices Act, M.G.L. Chapter 183C,
§§ 1 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800
(15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§
32.00 et.seq., as amended from time to time.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing
Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly
Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home O <u>wne</u> rship Security Act of 2002, NJ Stat. Ann. §
C:46:10B-22 et seq., as amended from time to time.

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

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386
as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Consumer Sales Practices
Act, Ohio Rev. Code Ann. § 1345.01, as imple <u>men</u> ted
by Ohio Admin. Rules § 109 4-3-01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights,
Ohio, Anti-Predatory Lending Ordinance, Ordi <u>nan</u> ce
No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordi <u>nance,</u> Ordinance No. 2004- 618, Muni. Code §§
201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House
Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter
2006-33, Ordinance No. 245.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified
at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. §
428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016. Frequency – Payable with same frequency as payments designated for the loans Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural
purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior
lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by
a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners
association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature consistency
across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency
of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations
to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the
loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency
of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third
party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of
all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued
with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made
or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures
are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP")
or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews
for the purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;· Wipro Opus makes no representation or warranty
as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;· Wipro Opus is not an Appraisal Management Company
("AMC") and therefore does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;· Wipro Opus is not a creditor within the meaning of the Equal Credit Opportunity
Act ("ECOA") or other lending laws and regulations, and therefore Wipro Opus will not have and communications with or responsibility
to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;· Appraised
Value

&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;· Interest
Only

&nbsp;&nbsp;&nbsp;&nbsp;· Interest
Rate

&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Term

&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Purpose

&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;· Original
Balance

&nbsp;&nbsp;&nbsp;&nbsp;· Property
Address

&nbsp;&nbsp;&nbsp;&nbsp;· Property
City

&nbsp;&nbsp;&nbsp;&nbsp;· Property
State

&nbsp;&nbsp;&nbsp;&nbsp;· Property
Type

&nbsp;&nbsp;&nbsp;&nbsp;· Sales
Price

&nbsp;&nbsp;&nbsp;&nbsp;· Second
Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;· Self
Employed

&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;· Zip
Code

&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Type

&nbsp;&nbsp;&nbsp;&nbsp;· QM
Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Wipro Opus Grading Criteria**

1) Wipro Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Wipro Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Wipro Opus and updated from time to time shall be determined as follows:

**Wipro Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was
originated in accordance with the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade
Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating
factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition:
Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating
factors for the exceptions or is missing material documentation.

**Wipro Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property
value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property
value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade
Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with
respect to the appraisal process or the file is missing material documentation.

**Wipro Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws
and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There
are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's
obligation under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is
not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA
and Zip

&nbsp;&nbsp;&nbsp;&nbsp;· Any Phone Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification
of the location of a property (e.g. neighborhood, body of water, schools, major highways)

&nbsp;&nbsp;&nbsp;&nbsp;· Driver's License Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Email Addresses

**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Loan Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Non-Conforming | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Conforming-GSE Eligible | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Interest Rate** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;8.000 - 8.499 | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.36% |
| &nbsp;&nbsp;8.500 - 8.999 | &nbsp;&nbsp;18 | &nbsp;&nbsp;32.14% |
| &nbsp;&nbsp;9.000 - 9.499 | &nbsp;&nbsp;9 | &nbsp;&nbsp;16.07% |
| &nbsp;&nbsp;9.500 - 9.999 | &nbsp;&nbsp;10 | &nbsp;&nbsp;17.86% |
| &nbsp;&nbsp;10.000 - 10.499 | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.36% |
| &nbsp;&nbsp;10.500 - 10.999 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;11.000 - 11.499 | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.36% |
| &nbsp;&nbsp;11.500 - 11.999 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;12.000 - 12.499 | &nbsp;&nbsp;5 | &nbsp;&nbsp;8.93% |
| &nbsp;&nbsp;12.000 - 12.999 | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.36% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Cash out Refi | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Rate / Term Refi | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**DTI** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;0.00-20.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;20.01-30.00 | &nbsp;&nbsp;11 | &nbsp;&nbsp;19.64% |
| &nbsp;&nbsp;30.01-40.00 | &nbsp;&nbsp;17 | &nbsp;&nbsp;30.36% |
| &nbsp;&nbsp;40.01-45.00 | &nbsp;&nbsp;15 | &nbsp;&nbsp;26.79% |
| &nbsp;&nbsp;45.01-50.00 | &nbsp;&nbsp;9 | &nbsp;&nbsp;16.07% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;50 | &nbsp;&nbsp;89.29% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;5 | &nbsp;&nbsp;8.93% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;38 | &nbsp;&nbsp;67.86% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;15 | &nbsp;&nbsp;26.79% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**LTV** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;0.00-30.00 | &nbsp;&nbsp;46 | &nbsp;&nbsp;82.14% |
| &nbsp;&nbsp;30.01-40.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;40.01-50.00 | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;50.01-60.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;60.01-70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;70.01-80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;80.01-90.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| **QM Type** | **QM Type** | **QM Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | % of Pool |
| Non-QM | 51 | 91.07% |
| QM/Agency Safe Harbor | 0 | 0.00% |
| QM/HPML | 0 | 0.00% |
| ATR/QM: Exempt | 5 | 8.93% |
| **Total** | **56** | **100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| &nbsp;&nbsp;Borrower 1 First Name | 1 | 98.21% |
| &nbsp;&nbsp;Borrower 1 Last Name | 1 | 98.21% |
| &nbsp;&nbsp;Property Type | 2 | 96.43% |
| &nbsp;&nbsp;Property Value | 1 | 98.21% |
| &nbsp;&nbsp;Qualifying CLTV | 13 | 76.79% |
| &nbsp;&nbsp;Qualifying FICO | 4 | 92.86% |
| &nbsp;&nbsp;Qualifying LTV | 5 | 91.07% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | 35 | 37.50% |
| &nbsp;&nbsp;**Total Loan Population** | **56** |  |

---

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | &nbsp;&nbsp;Moody's | Fitch | Kroll | DBRS | &nbsp;&nbsp;Definition |
| A | &nbsp;&nbsp;A | A | A | A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| B | &nbsp;&nbsp;B | B | B | B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| C | &nbsp;&nbsp;C | C | C | C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| D | &nbsp;&nbsp;D | D | D | D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | Definition |
| A | A | A | A | The loan was originated in compliance with applicable federal, <br> state, and local predatory and high cost, TILA, and Regulation Z <br> laws and regulations |
| B | B | B | B | The loan was originated in compliance with applicable federal, <br> state, and local predatory and high cost, TILA, and Regulation Z <br> laws and regulations; however, minor evidentiary issue(s) exist |
| C | C | C | C | The includes material violation(s) with applicable federal, state, <br> and local predatory and high cost, TILA, and Regulation Z laws <br> and regulations |
| D | D | D | D | The loan file is missing critical documentation required to perform<br> the review |

---

---

| | |
|:---|:---|
| Fitch | &nbsp;&nbsp;Definition |
| A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| S&P | &nbsp;&nbsp;Definition |
| A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated January 28, 2026.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Summary** | | |
| &nbsp;&nbsp;**DBRS NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 48 | 85.71% |
| B | 8 | 14.29% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Summary** | | |
| &nbsp;&nbsp;**DBRS NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 52 | 92.86% |
| B | 4 | 7.14% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Summary** | | |
| &nbsp;&nbsp;**DBRS NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 52 | 92.86% |
| B | 4 | 7.14% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Property Grade Summary |  |  |
| &nbsp;&nbsp;**DBRS NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 56 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Overall Grade Summary |  |  |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 47 | 83.93% |
| B | 9 | 16.07% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Compliance Grade Summary |  |  |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 52 | 92.86% |
| B | 4 | 7.14% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Credit Grade Summary |  |  |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 52 | 92.86% |
| B | 4 | 7.14% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Property Grade Summary |  |  |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;55 | 98.21% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 1.79% |
| C | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| D | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |

---

**<u>Loan Reviewed (56)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| 695102617 | 779521000 | 314137698 | 239979164 | 847853193 | 287150323 |
| 780872786 | 487900128 | 319387005 | 630135452 | 549502281 | 435808742 |
| 789236407 | 320863725 | 990903127 | 234193287 | 900485700 | 448634877 |
| 104049675 | 341917261 | 614502491 | 311652590 | 481405235 | 608588298 |
| 480497734 | 967674348 | 326408426 | 601666275 | 731386131 | 819158290 |
| 688348222 | 689688123 | 821152794 | 326862476 | 691760123 | 180789029 |
| 469369297 | 979020401 | 566300933 | 749655202 | 503851629 |  |
| 729519070 | 131453066 | 262091152 | 453110221 | 454266745 |  |
| 851037814 | 345788538 | 804893681 | 776428577 | 714233782 |  |
| 399630575 | 626680596 | 135992094 | 447558890 | 250822101 |  |

---

If you have any questions, please contact Uriah Clavier at <u>Uriah.Clavier@opuscmc.com</u>

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ALT ID | Loan ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| 256370234 | XXXXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed |  | No |  | Yes | Present |
| 917495537 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.532 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 477404145 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.409 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 516278320 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 12.374 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 926759235 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 11.968 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 350840633 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 832634985 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 734871884 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 12.597 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 868294522 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.807 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 576475242 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 10.455 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 797435051 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 126180483 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 11.288 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 453734350 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.802 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 338615715 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 261585369 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.24 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 710304489 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 804127551 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.469 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 895688601 | XXXXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | Employed | No | No | Yes | Present |
| 817242350 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.746 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 131488941 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 13.545 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 369915850 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.179 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 445194574 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 663636733 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 11.763 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 979422109 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 273606622 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 10.024 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 581310503 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 12.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 296494510 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.137 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed |  | No |  | No |  |
| 760984905 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.726 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 177070533 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.144 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 978112043 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.71 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 442892252 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.32 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 698590106 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 893050877 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 12.64 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 754690253 | XXXXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed |  | No |  | Yes | Present |
| 586741495 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 954999517 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 13.31 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 461068843 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 12.896 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 944748632 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.556 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 388409231 | XXXXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 9.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed |  | No |  | Yes | Present |
| 375532533 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 281541366 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.093 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 952099437 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.673 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 352276578 | XXXXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed |  | No |  | Yes | Present |
| 115656264 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.692 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No |  |
| 727933145 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.505 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 377314467 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.455 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 661797986 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 10.241 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 495332996 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Employed | No | No | No |  |
| 833178443 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 488941340 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 600759136 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.895 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 808813162 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 10.231 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Employed | No | No | No |  |
| 617880562 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 12.896 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 497210600 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.074 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 714589400 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.001 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 687889366 | XXXXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.461 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ALT ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 917495537 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 74.3 | 74.53 | Audit Value of 2nd lien / Qualifying Value |
| 917495537 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | DTI difference is less than 1% and within lender tolerance.  |
| 516278320 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 76.05 | 76.39 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 516278320 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit DTI difference is due to subject 1st mortgage calculation based on documents in loan file. |
| 926759235 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 89.86 | 90.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 926759235 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| 350840633 | XXXXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 800 | 798 | Audit value based on lender qualifying requirements. |
| 350840633 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in subject property taxes per documents in the loan file. |
| 868294522 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects more conservative income based on documents in the loan file. |
| 797435051 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX |
| 126180483 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 74.89 | 140.59 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 126180483 | XXXXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 7.61 | 7.60 | Rounding |
| 453734350 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects more conservative income based on documents in the loan file.  |
| 338615715 | XXXXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 799 | 788 | Audit value based on lender qualifying requirements. |
| 261585369 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in qualifying P & I than the approval and Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX. |
| 710304489 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in qualifying P & I than the approval.  |
| 804127551 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in qualifying P & I than the approval and net rental income per documents in the loan file. |
| 817242350 | XXXXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| 131488941 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit used 0.5% of the student loan balance for the monthly payment while the lender used round-off of the balance.  |
| 445194574 | XXXXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 766 | 702 | Audit value based on lender qualifying requirements. |
| 663636733 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 71.37 | 71.46 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 663636733 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in subject property taxes per documents in the loan file.  |
| 273606622 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in subject homeowner's insurance per documents in the loan file.  |
| 581310503 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in qualifying P & I than the approval.  |
| 296494510 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 49 | 49.09 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 177070533 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX. |
| 978112043 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Rounding  |
| 442892252 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 56.87 | 56.96 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 442892252 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX. |
| 893050877 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 79.71 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 893050877 | XXXXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 12.45 | 12.44 | Rounding. |
| 893050877 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in qualifying 1st lien P & I than the approval. |
| 754690253 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in subject property taxes per documents in the loan file and Audit reflects difference in negative rental income per documents in the loan file. |
| 586741495 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 53 | 53.13 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 586741495 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in Senior lien P & I than the approval. |
| 954999517 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit liabilities were based on documents in the loan file |
| 461068843 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit DTI difference is due to the lender not including the 1st mortgage. |
| 944748632 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 73.18 | 73.46 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 944748632 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX and Audit reflects difference in qualifying 1st P & I than the approval.  |
| 375532533 | XXXXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 8.73 | 8.72 | Rounding |
| 375532533 | XXXXXX |  |  | XXXX | Property Value | the1008Page | XXXXX | XXXXXX |  |
| 281541366 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in subject property taxes & HOI per documents in the loan file.  |
| 952099437 | XXXXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 18.41 | 18.42 | Rounding. |
| 952099437 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in negative rental income per documents in the loan file.  |
| 115656264 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in qualifying P & I than the approval.  |
| 377314467 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in subject property taxes & HOI per documents in the loan file.  |
| 661797986 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 72.67 | 72.90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 661797986 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in senior lien P & I than the approval. |
| 495332996 | XXXXXX |  |  | XXXX | Borrower 1 Last Name | notePage | XXXXX | XXXXXX | Audit Value Pulled From Note. |
| 495332996 | XXXXXX |  |  | XXXX | Borrower 1 First Name | notePage | XXXXX | XXXXXX | Audit Value Pulled From Note. |
| 495332996 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit DTI difference is due to income calculations based on documents in loan file.  |
| 833178443 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 69.16 | 69.25 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 833178443 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in qualifying 1st lien P & I than the approval.  |
| 488941340 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in qualifying P & I than the approval.  |
| 600759136 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in qualifying P & I than the approval.  |
| 808813162 | XXXXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 785 | 754 | Audit value pulled from most recent credit report in the loan file dated XX/XX/XXXX. |
| 808813162 | XXXXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 13.09 | 13.10 | Rounding. |
| 808813162 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX and difference in qualifying P & I than the approval. <br>|
| 617880562 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in qualifying P & I than the approval.  |
| 497210600 | XXXXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 67.01 | 67.02 | Rounding |
| 714589400 | XXXXXX |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 714589400 | XXXXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXX | XXXXXX | Audit reflects difference in subject property taxes per documents & homeowner's insurance in the loan file.  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| ALT ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| 256370234 | XXXXXXX |  |  | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 256370234 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 917495537 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 477404145 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 516278320 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 926759235 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 350840633 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 832634985 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 734871884 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 868294522 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 576475242 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 797435051 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 126180483 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 453734350 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 338615715 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 261585369 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 710304489 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 804127551 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 895688601 | XXXXXXX |  |  | $XXXXXXX | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 817242350 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 131488941 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 369915850 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 445194574 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 663636733 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 979422109 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 273606622 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 581310503 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 296494510 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 760984905 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 177070533 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 978112043 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 442892252 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 698590106 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 893050877 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 754690253 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 586741495 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 954999517 | XXXXXXX |  |  | $XXXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 461068843 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 944748632 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 388409231 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 375532533 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 281541366 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 952099437 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 352276578 | XXXXXXX |  |  | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 115656264 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 727933145 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 377314467 | XXXXXXX |  |  | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | B | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B |
| 661797986 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 495332996 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 833178443 | XXXXXXX |  |  | $XXXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 488941340 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 600759136 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 808813162 | XXXXXXX |  |  | $XXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 617880562 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | B | A | C | A | A | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | B | A | C | A | A | B | A | C | A |
| 497210600 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 714589400 | XXXXXXX |  |  | $XXXXXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ALT ID | **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| 256370234 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-05 10:36 | 2024-12-09 07:40 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Required documentation is in file. Condition Cleared. - Due Diligence Vendor-12/09/2024 <br> Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/09/2024 <br> Ready for Review-Document Uploaded. reviewed and made commentary to each flag. - Buyer-12/06/2024 <br> Open-OFAC is file had a possible failure that the lender did not address. Please provide cleared OFAC to address possible fail on OFAC report in file. - Due Diligence Vendor-12/06/2024 |  | Resolved-Required documentation is in file. Condition Cleared. - Due Diligence Vendor-12/09/2024 <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/09/2024<br>| ofac-XXXX.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 2939642 | N/A | N/A |
| 917495537 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-06 11:48 | 2024-12-11 12:26 | Resolved | 1 - Information | Compliance | Missing Doc | Final Closing Disclosure is missing or incomplete | Resolved-The lender provided the required documentation. Condition Cleared. - Due Diligence Vendor-12/11/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/10/2024 <br> Open-Final Closing Disclosure is missing or incomplete The subject is in a dry funding state. The file is either missing a PCCD, or a final settlement statement that matches the final CD in file. - Due Diligence Vendor-12/06/2024 |  | Resolved-The lender provided the required documentation. Condition Cleared. - Due Diligence Vendor-12/11/2024<br>| Final HUD.pdf<br>Delivery.pdf<br>PCCD and LOX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2951048 | N/A | N/A |
| 477404145 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-05 18:02 | 2024-12-11 12:47 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/11/2024 <br> Ready for Review-Document Uploaded. The Final HUD, PCCD and LOX are attached. CD and HUD identify it disbursed on the XXXX - Buyer-12/10/2024 <br> Open-The subject is in a dry funding state and is missing the Post close funding CD. - Due Diligence Vendor-12/06/2024 |  | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/11/2024<br>| XXXX 17544 Final Hud.pdf<br> LOX and PCCD XXXXXXXX.pdf<br> Delivery Ardinov.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2944982 | N/A | N/A |
| 477404145 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-05 17:28 | 2024-12-11 12:44 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/11/2024 <br> Ready for Review-Document Uploaded. The Final HUD, PCCD and LOX are attached. CD and HUD identify it disbursed on the XXXX - Seller-12/10/2024 <br> Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) . - Due Diligence Vendor-12/05/2024 | Ready for Review-Document Uploaded. The Final HUD, PCCD and LOX are attached. CD and HUD identify it disbursed on the XXXX - Seller-12/10/2024 | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/11/2024<br>| XXXXXXXXXX XXXXX Final Hud.pdf<br> Delivery XXXX.pdf<br> LOX and PCCD XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2944829 | N/A | N/A |
| 477404145 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-05 16:38 | 2024-12-11 12:35 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-The lender provided the required documentation. Condition cleared.<br> - Due Diligence Vendor-12/11/2024 <br> Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/11/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/11/2024 <br> Open-ATR Risk - Employment validation/verification standards do not meet requirements<br> - Due Diligence Vendor-12/05/2024 |  | Resolved-The lender provided the required documentation. Condition cleared.<br> - Due Diligence Vendor-12/11/2024 <br>Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/11/2024<br>| B2 VVOE XXXXXX XXXXXXXXX XXXXXXXX.pdf<br> B1 XXXXXXX VVOE.pdf<br> XXXXX XXXXXXXXXXXX VVOE.pdf<br> XXXXXXXXXXXXXXXXX.com _ XXXXXXXXXX XXXX XXXXXXXXXXXX & XXXXXXXXXX XXXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2944599 | N/A | N/A |
| 477404145 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-05 16:38 | 2024-12-11 12:34 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/11/2024 <br> Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/11/2024 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/11/2024 <br> Ready for Review-Document Uploaded. - Seller-12/11/2024 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing VOE for Borrower - Due Diligence Vendor-12/05/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/11/2024 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/11/2024<br>| B2 VVOE XXXXXX XXXXXXXXX XXXXXXXX.pdf<br> B1 XXXXXXX VVOE.pdf<br> XXXXX XXXXXXXXXXXX VVOE.pdf<br> XXXXXXXXXXXXXXXXX.com _ XXXXXXXXXX XXXX XXXXXXXXXXXX & XXXXXXXXXX XXXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2944598 | N/A | N/A |
| 477404145 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-05 16:38 | 2024-12-11 12:34 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/11/2024 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/11/2024 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/11/2024 <br> Ready for Review-Document Uploaded. - Seller-12/11/2024 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for Borrower job 1b on the final 1003. - Due Diligence Vendor-12/05/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-12/11/2024 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/11/2024<br>| B2 VVOE XXXXXX XXXXXXXXX XXXXXXXX.pdf<br> B1 XXXXXXX VVOE.pdf<br> XXXXX XXXXXXXXXXXX VVOE.pdf<br> XXXXXXXXXXXXXXXXX.com _ XXXXXXXXXX XXXX XXXXXXXXXXXX & XXXXXXXXXX XXXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2944597 | N/A | N/A |
| 516278320 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-30 09:18 | 2026-01-14 14:43 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-valid COC received - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Resolved-valid COC received - Due Diligence Vendor-01/02/2025 <br> Resolved-Resolved - Due Diligence Vendor-01/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/01/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Document Assembly Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Charges originating in Section B are subject to 0% variance. The Initial LE does not reflect a Trust/Entity Review Fee (Document Assembly Fee). The lender did not provide a valid COC for the increase, and the final CD section Trust/Entity Review Fee as $250.00. The resulting changes resulting in a variance of ($250.00). Provide corrected CD, evidence of refund to the Borrower, letter of explanation and proof of delivery to the Borrower - Due Diligence Vendor-12/31/2024 |  | Resolved-valid COC received - Due Diligence Vendor-01/14/2026 <br>Resolved-valid COC received - Due Diligence Vendor-01/02/2025 <br>Resolved-Resolved - Due Diligence Vendor-01/02/2025<br>| XXXX COC CD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3101260 | N/A | N/A |
| 516278320 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-30 09:18 | 2026-01-14 14:42 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XXXX) | Resolved-Valid COC received - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Resolved-Valid COC received - Due Diligence Vendor-01/02/2025 <br> Resolved-Resolved - Due Diligence Vendor-01/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/01/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Document Assembly Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Charges originating in Section B are subject to 0% variance. The Initial LE does not reflect a Trust/Entity Review Fee (Document Assembly Fee). The lender did not provide a valid COC for the increase, and the final CD section Trust/Entity Review Fee as $250.00. The resulting changes resulting in a variance of ($250.00). Provide corrected CD, evidence of refund to the Borrower, letter of explanation and proof of delivery to the Borrower - Due Diligence Vendor-12/31/2024 |  | Resolved-Valid COC received - Due Diligence Vendor-01/14/2026 <br>Resolved-Valid COC received - Due Diligence Vendor-01/02/2025 <br>Resolved-Resolved - Due Diligence Vendor-01/02/2025<br>| XXXX COC CD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3101259 | N/A | N/A |
| 516278320 | XXXXXXX | XXXXXX |  |  | Closed | 2026-01-14 11:16 | 2026-01-14 11:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 <br> Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7089025 | Investor Post-Close | No |
| 926759235 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-30 10:18 | 2025-01-02 13:52 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-NORTC received - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/02/2025 <br>Open-TILA: NORTC Missing for one or more borrowers/vested parties<br> - Due Diligence Vendor-12/30/2024 |  | Resolved-NORTC received - Due Diligence Vendor-01/02/2025<br>| NORTC.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3102632 | N/A | N/A |
| 926759235 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-30 10:54 | 2025-01-02 13:52 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Pud rider received - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/02/2025 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-12/30/2024 |  | Resolved-Pud rider received - Due Diligence Vendor-01/02/2025<br>| PUD RIDER.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3103204 | N/A | N/A |
| 926759235 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-30 09:05 | 2025-01-02 13:51 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Missing | Resolved-Note received - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-The Note is Missing - Due Diligence Vendor-12/30/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-Note received - Due Diligence Vendor-01/02/2025<br>| Note XXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3101048 | N/A | N/A |
| 926759235 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-30 09:26 | 2025-01-02 13:50 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-DOT received - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/02/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/30/2024 |  | Resolved-DOT received - Due Diligence Vendor-01/02/2025<br>| DOT.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3101406 | N/A | N/A |
| 926759235 | XXXXXXX | XXXXXX |  |  | Closed | 2024-12-30 11:59 | 2025-01-02 13:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application - Not Executed | Resolved-executed 1003 received - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-The Final 1003 is Not Executed - Due Diligence Vendor-12/30/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-executed 1003 received - Due Diligence Vendor-01/02/2025<br>| 1003.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3104242 | N/A | N/A |
| 350840633 | XXXXXXX | XXXXXX |  |  | Closed | 2025-01-07 07:08 | 2025-01-09 10:14 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/08/2025 <br>Open-Subject property is located in a dry funding state. Missing confirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-01/07/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/09/2025<br>| XXXXXXX XXXXX PCCD.pdf<br> XXXXXXX XXXXX Final Hud.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3151935 | N/A | N/A |
| 734871884 | XXXXXXX | XXXXXX |  |  | Closed | 2026-01-14 15:22 | 2026-01-14 15:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7095119 | Investor Post-Close | No |
| 868294522 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-13 10:05 | 2025-02-14 15:38 | Resolved | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-02/14/2025 <br> Open-S&P value equals C, junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/13/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/14/2025<br>| CDA Zero Variance.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3416369 | N/A | N/A |
| 868294522 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-14 15:38 | 2025-02-14 15:38 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/14/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/14/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3429227 | Originator Post-Close | No |
| 868294522 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-12 12:46 | 2025-02-14 15:31 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-02/14/2025 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/12/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/14/2025<br>| CDA Zero Variance.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3409393 | N/A | N/A |
| 576475242 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-12 09:12 | 2026-01-13 16:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/14/2025 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements HELOC closure letter missing in file - Due Diligence Vendor-02/12/2025 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/14/2025<br>| XXXX-CC XXXXXXXXXX close letter.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3406363 | N/A | N/A |
| 576475242 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-13 11:24 | 2025-02-14 14:35 | Resolved | 1 - Information | Credit | Missing Doc | HELOC Closure Letter Not Provided | Resolved-Closure letter provided, finding cleared. - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/14/2025 <br>Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. The Authorization to Close Out Home Equity Line of Credit form in file was not signed and dated by the borrower. - Due Diligence Vendor-02/13/2025 |  | Resolved-Closure letter provided, finding cleared. - Due Diligence Vendor-02/14/2025<br>| XXXX-CC XXXXXXXXXX close letter.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3417479 | N/A | N/A |
| 576475242 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-13 11:29 | 2025-02-14 14:31 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-The finding is acknowledged and will be graded a B or non-material. - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Waive - Buyer-02/13/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/13/2025 |  | Acknowledged-The finding is acknowledged and will be graded a B or non-material. - Due Diligence Vendor-02/14/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3417543 | Originator Post-Close | No |
| 126180483 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-21 13:17 | 2026-01-13 16:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Simultaneous Loan Payment does not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025 <br> Resolved-ATR Risk - Simultaneous Loan Payment does not meet requirements - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Escalated<br> - Seller-02/25/2025 <br> Open-ATR Risk - Simultaneous Loan Payment does not meet requirements Unable to verify simultaneous loan Payment - Due Diligence Vendor-02/21/2025 | Ready for Review-Escalated<br> - Seller-02/25/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025 <br>Resolved-ATR Risk - Simultaneous Loan Payment does not meet requirements - Due Diligence Vendor-02/25/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3464096 | N/A | N/A |
| 126180483 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-21 13:54 | 2026-01-13 16:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025 <br> Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Escalated - Seller-02/25/2025 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements The lender guidelines require prior 12 months mortgage history. The file is missing verification of XX/XX/XXXX payment from prior mortgage and the XX/XX/XXXX thru XX/XX/XXXX mortgage payments from previous mortgage. - Due Diligence Vendor-02/21/2025 | Ready for Review-Escalated - Seller-02/25/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/25/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3464536 | N/A | N/A |
| 126180483 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-21 09:33 | 2025-02-25 09:43 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-The Appraisal in file provided required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025 <br>Resolved-Post incident inspection provided - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Escalated - Seller-02/25/2025 <br>Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-02/21/2025 | Ready for Review-Escalated - Seller-02/25/2025<br>| Resolved-The Appraisal in file provided required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025 <br>Resolved-Post incident inspection provided - Due Diligence Vendor-02/25/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3461030 | N/A | N/A |
| 126180483 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-21 13:36 | 2025-02-25 09:39 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/25/2025 <br>Open-Provide supporting document to verify simultaneous first lien P&I - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025<br>| Montly Statement.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3464334 | N/A | N/A |
| 126180483 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-21 13:54 | 2025-02-25 09:37 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. - Seller-02/25/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The lender guidelines require prior 12 months mortgage history. The file is missing verification of XX/XX/XXXX payment from prior mortgage and the XX/XX/XXXX thru XX/XX/XXXX mortgage payments from previous mortgage. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/25/2025<br>| Prior Mortgage.pdf<br>CD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3464535 | N/A | N/A |
| 453734350 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-21 07:49 | 2025-02-25 14:08 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/25/2025 <br>Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-02/21/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025<br>| XXXXXX PCCD with cover and email proof.pdf<br> Certified Final Settlement StatementWorksheet.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3460012 | N/A | N/A |
| 453734350 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-21 07:51 | 2025-02-25 13:51 | Resolved | 1 - Information | Credit | Missing Doc | HELOC Closure Letter Not Provided | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/25/2025 <br>Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. - Due Diligence Vendor-02/21/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/25/2025<br>| XXXXX XXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3460038 | N/A | N/A |
| 453734350 | XXXXXXX | XXXXXX |  |  | Closed | 2025-02-21 07:48 | 2025-02-25 09:28 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/25/2025 <br>Open-The lender guidelines require prior year W2 Transcripts for Borrower 2 - Due Diligence Vendor-02/21/2025 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/25/2025<br>| Exception.pdf |  | FICO 798 > 720 min<br> DTI 44% < 50% max<br> Reserves 32 months > 0 min | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3460006 | Investor Post-Close | No |
| 338615715 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-04 08:14 | 2025-03-10 08:04 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The lender provided a PCCD, refund check and confirmation of delivery. Condition cured. - Due Diligence Vendor-03/10/2025 <br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/06/2025 <br> Counter-The lender provided a COC for the addition of the Trust review fee, but this issue is not a fee tolerance issue. The lender did not include the $300 Trust Review fee and the Title-Archive Fee of $75.00 in the finance charge calculation resulting in the finance charge to be $375 under disclosed. Condition remains open. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/05/2025 <br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1). The lender did not appear to include the Section B Trust Review Fee, and the Title-Archive Fee in the Section B. - Due Diligence Vendor-03/04/2025 |  | Cured-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The lender provided a PCCD, refund check and confirmation of delivery. Condition cured. - Due Diligence Vendor-03/10/2025 | COC 2.10.pdf<br> XXXXXX PCCD XXX refund with cover.pdf<br> XXXXXX ck Copy.pdf<br> XXXXX Shipping Label - XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3520898 | N/A | N/A |
| 338615715 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-04 09:25 | 2025-03-06 09:07 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/05/2025 <br>Open-Subject property located in dry funding state, loan file missing PCCD. - Due Diligence Vendor-03/04/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/06/2025<br>| Final SS.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3521787 | N/A | N/A |
| 261585369 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-05 08:22 | 2025-03-14 11:12 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-The lender provided PCCD, copy of reimbursement check, and proof of delivery to cure condition. Condition Cured. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/13/2025 <br> Counter-The lender provided a COC for tolerance cure of Broker Fee, but Under disclosed finance charge still remains open. Condition countered. - Due Diligence Vendor-03/10/2025 <br> Open-. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. Here is the COC CD, flipped LPC to BPC - Seller-03/07/2025 <br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1). The lender did not include the Trust Review Fee in finance charges.<br> - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. Here is the COC CD, flipped LPC to BPC - Seller-03/07/2025<br>| Cured-The lender provided PCCD, copy of reimbursement check, and proof of delivery to cure condition. Condition Cured. - Due Diligence Vendor-03/14/2025<br>| XXXXXXXX COC CD.pdf<br> XXXXX Shipping Label - XXXXXXXX.pdf<br> XXXXXXXX Ck Copy.pdf<br> XXXXXXXX PCCD with cover.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3530930 | N/A | N/A |
| 261585369 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-06 13:38 | 2025-03-10 07:46 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/10/2025<br>| Final SS.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3548396 | N/A | N/A |
| 261585369 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-05 08:22 | 2025-03-10 07:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/10/2025 <br> Resolved- - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. Here is the COC CD, flipped LPC to BPC - Seller-03/07/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate dated XX/XX/XXXX does not reflects a Broker fee of $XXXX.XX Final CD dated XX/XX/XXXX reflects a Broker fee of $XXXX.XX. The loan file did not contain a valid COC to support the increase.<br>- Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. Here is the COC CD, flipped LPC to BPC - Seller-03/07/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/10/2025 <br>Resolved- - Due Diligence Vendor-03/10/2025<br>| XXXXXXXX COC CD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3530932 | N/A | N/A |
| 261585369 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-05 08:22 | 2025-03-10 07:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/10/2025 <br> Resolved- - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. Here is the COC CD, flipped LPC to BPC - Seller-03/07/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate dated XX/XX/XXXX does not reflects a Broker fee of $XXXX.XX Final CD dated XX/XX/XXXX reflects a Broker fee of $XXXX/XX. The loan file did not contain a valid COC to support the increase.<br> - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. Here is the COC CD, flipped LPC to BPC - Seller-03/07/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/10/2025 <br>Resolved- - Due Diligence Vendor-03/10/2025<br>| XXXXXXXX COC CD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3530931 | N/A | N/A |
| 710304489 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-12 06:09 | 2025-03-19 08:12 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/18/2025 <br> Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-03/12/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/19/2025<br>| XXXXXXXX Final SS.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3588940 | N/A | N/A |
| 710304489 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-11 06:46 | 2025-03-19 08:12 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/19/2025 <br> Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/18/2025 <br> Open-ATR Risk - Employment validation/verification standards do not meet requirements B2 VVOE is missing in file - Due Diligence Vendor-03/11/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/19/2025 <br>Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/19/2025<br>| XXXXXXXX II VVOE.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3578568 | N/A | N/A |
| 710304489 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-11 06:46 | 2025-03-19 08:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/19/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/18/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/11/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/19/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/19/2025<br>| XXXXXXXX II VVOE.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3578567 | N/A | N/A |
| 804127551 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-20 07:05 | 2025-04-02 10:07 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-The lender provided an updated PCCD, copy of the refund check and shipping confirmation to the borrower. The condition was cured. - Due Diligence Vendor-04/02/2025 <br> Resolved-Resolved - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/01/2025 <br> Counter-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The lender provided documentation is not sufficient for the $XXX finance charge under disclosure due to the Trust Review fee. - Due Diligence Vendor-03/28/2025 <br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/26/2025 <br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-03/20/2025 |  | Cured-The lender provided an updated PCCD, copy of the refund check and shipping confirmation to the borrower. The condition was cured. - Due Diligence Vendor-04/02/2025 <br>Resolved-Resolved - Due Diligence Vendor-04/02/2025<br>| COC for XXXXX XX/XX/XXXX.pdf<br> COC for LE XX/XX/XXXX.pdf<br> CD XX/XX/XXXX.pdf<br> XXXXX Shipping Label - XXXXXX.pdf<br> XXXXXX Ck copy.pdf<br> XXXXXX PCCD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3655430 | N/A | N/A |
| 804127551 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-20 07:05 | 2025-03-28 10:33 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/28/2025 <br> Resolved- - Due Diligence Vendor-03/28/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). . - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Verification Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate dated XX/XX/XXXX and XX/XX/XXXX does not reflects a Discount fee of $XXX.XX. Final CD dated XX/XX/XXXX reflects a Discount fee of $XXX. The loan file did not contain a valid COC to support the increase. <br> - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/28/2025 <br>Resolved- - Due Diligence Vendor-03/28/2025<br>| COC for LE XX/XX/XXXX.pdf<br> COC for XXXXX XX/XX/XXXX.pdf<br> CD XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3655433 | N/A | N/A |
| 804127551 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-20 07:05 | 2025-03-28 10:33 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/28/2025 <br> Resolved- - Due Diligence Vendor-03/28/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). . - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/26/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Verification Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate dated XX/XX/XXXX and XX/XX/XXXX does not reflects a Discount fee of $XXX. Final CD dated XX/XX/XXXX reflects a Discount fee of $XXX. The loan file did not contain a valid COC to support the increase. <br> - Due Diligence Vendor-03/20/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/28/2025 <br>Resolved- - Due Diligence Vendor-03/28/2025<br>| COC for LE XX/XX/XXXX.pdf<br> COC for XXXXX XX/XX/XXXX.pdf<br> CD XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3655432 | N/A | N/A |
| 804127551 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-20 07:05 | 2025-03-28 10:20 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure.<br> - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-03/28/2025<br>| COC for LE XX/XX/XXXX.pdf<br> COC for XXXXX XX/XX/XXXX.pdf<br> CD XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3655431 | N/A | N/A |
| 817242350 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-24 08:08 | 2025-04-23 12:01 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Used previous year total taxes paid. Finding Resolved. - Due Diligence Vendor-03/28/2025 <br> Resolved-Audited DTI of 49.9% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/28/2025 <br> Open-Audited DTI of 51.07% exceeds Guideline DTI of 50% Calculated DTI is higher than lender DTI. Lender used Taxes are $XXXX.XX. Tax cert provided in file confirms taxes of $XXXX.XX as 1st installment of XXXX to be billed in XXXX. Same has been paid as per title page #831. Audited taxes are $XXXX.XX due to which DTI changed from 49.90% to 51.07% - Due Diligence Vendor-03/24/2025 |  | Resolved-Used previous year total taxes paid. Finding Resolved. - Due Diligence Vendor-03/28/2025 <br>Resolved-Audited DTI of 49.9% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/28/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3677997 | N/A | N/A |
| 817242350 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-25 09:08 | 2025-04-23 12:01 | Resolved | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/28/2025 <br> Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <br> Open-S&P value equals C, junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/28/2025 <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-03/28/2025<br>| CDA zero variance.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3688290 | N/A | N/A |
| 817242350 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-24 09:00 | 2025-04-23 12:00 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-04/23/2025 <br> Resolved-Finding Resolved. - Due Diligence Vendor-03/28/2025 <br> Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Audited DTI of 51.07% exceeds Guideline DTI of 50%. Lender used Taxes are $XXXX.XX. Tax cert provided in file confirms taxes of $XXXX.XX as 1st installment of XXXX to be billed in XXXX. Same has been paid as per title page #831. Audited taxes are $XXXX.XX due to which DTI changed from 49.90% to 51.07% exceeding the guideline DTI of 50% - Due Diligence Vendor-03/24/2025 |  | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-04/23/2025 <br>Resolved-Finding Resolved. - Due Diligence Vendor-03/28/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3678577 | N/A | N/A |
| 817242350 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-24 07:29 | 2025-03-28 09:39 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraised value was provided. Finding Resolved. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/28/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/24/2025 |  | Resolved-A valid secondary valuation supporting the origination appraised value was provided. Finding Resolved. - Due Diligence Vendor-03/28/2025<br>| CDA zero variance.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3677585 | N/A | N/A |
| 131488941 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-25 12:28 | 2025-03-27 17:23 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/26/2025 <br>Open-ATR Risk - Employment validation/verification standards do not meet requirements B1 & B2 VVOE are missing in loan file - Due Diligence Vendor-03/25/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-03/27/2025<br>| XXX.pdf<br> XXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3690881 | N/A | N/A |
| 131488941 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-25 07:45 | 2025-03-27 17:14 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Documentation Uploaded. Finding Resolved. - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/26/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/25/2025 |  | Resolved-Documentation Uploaded. Finding Resolved. - Due Diligence Vendor-03/27/2025<br>| XXX.pdf<br> XXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3687389 | N/A | N/A |
| 131488941 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-25 07:45 | 2025-03-27 17:13 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/26/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/25/2025 |  | Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-03/27/2025<br>| XXX.pdf<br> XXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3687388 | N/A | N/A |
| 369915850 | XXXXXXX | XXXXXX |  |  | Closed | 2026-01-14 15:46 | 2026-01-14 15:50 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 <br> Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7095456 | Investor Post-Close | No |
| 445194574 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-28 14:15 | 2025-04-01 08:02 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/31/2025 <br> Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-03/28/2025 |  | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-04/01/2025<br>| PCCD XXXXXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3722871 | N/A | N/A |
| 663636733 | XXXXXXX | XXXXXX |  |  | Closed | 2025-03-30 09:11 | 2025-04-02 09:25 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-Final Settlement Statement provided. Finding Resolved. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. fees didn't change from closing so no PCCD was needed. - Buyer-04/01/2025 <br> Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-03/30/2025 |  | Resolved-Final Settlement Statement provided. Finding Resolved. - Due Diligence Vendor-04/02/2025<br>| final.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3726346 | N/A | N/A |
| 979422109 | XXXXXXX | XXXXXX |  |  | Closed | 2025-04-18 10:02 | 2026-01-13 16:23 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/22/2025 <br> Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/22/2025 <br> Open-ATR Risk - Employment validation/verification standards do not meet requirements WVOE verified date as XX/XX/XXXX and closing date is XX/XX/XXXX however as per GLs VVOE is not more than 10 calendar days but it exceeded 10 calendar days - Due Diligence Vendor-04/18/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/22/2025 <br>Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-04/22/2025<br>| VVOE XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3901302 | N/A | N/A |
| 979422109 | XXXXXXX | XXXXXX |  |  | Closed | 2025-04-18 10:03 | 2025-04-22 15:50 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/22/2025 <br> Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-04/18/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/22/2025<br>| Final SS.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3901310 | N/A | N/A |
| 979422109 | XXXXXXX | XXXXXX |  |  | Closed | 2025-04-18 10:02 | 2025-04-22 15:44 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/22/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/22/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing WVOE verified date as XX/XX/XXXX and closing date is XX/XX/XXXX however as per GLs VVOE is not more than 10 calendar days but it exceeded 10 calendar days - Due Diligence Vendor-04/18/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/22/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/22/2025<br>| VVOE XX/XX/XXXX.pdf<br> VVOE XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3901301 | N/A | N/A |
| 273606622 | XXXXXXX | XXXXXX |  |  | Closed | 2025-04-21 06:49 | 2025-04-22 15:16 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/22/2025 <br>Open-Borrower 2 Executed 4506-T Missing. - Due Diligence Vendor-04/21/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/22/2025<br>| 4506 C 1.pdf<br>4506C 2.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3912275 | N/A | N/A |
| 581310503 | XXXXXXX | XXXXXX |  |  | Closed | 2026-01-14 15:57 | 2026-01-14 15:59 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 <br> Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7095609 | Investor Post-Close | No |
| 177070533 | XXXXXXX | XXXXXX |  |  | Closed | 2025-05-20 06:28 | 2025-05-23 11:32 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/22/2025 <br>Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-05/20/2025 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-05/23/2025<br>| XXXXXXXXXXXX XXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4188775 | N/A | N/A |
| 177070533 | XXXXXXX | XXXXXX |  |  | Closed | 2025-05-20 06:28 | 2025-05-23 11:32 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/22/2025 <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-05/20/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/23/2025<br>| XXXXXXXXXXXX XXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4188776 | N/A | N/A |
| 177070533 | XXXXXXX | XXXXXX |  |  | Closed | 2025-05-20 12:50 | 2025-05-23 11:32 | Resolved | 1 - Information | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/22/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-05/20/2025 |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-05/23/2025<br>| XXXXXXXXXXXX XXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4194547 | N/A | N/A |
| 978112043 | XXXXXXX | XXXXXX |  |  | Closed | 2025-05-23 06:31 | 2025-06-04 16:54 | Resolved | 1 - Information | Compliance | Mavent | License: Loan Originator | Resolved-Received corrected docs. Condition cleared. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/03/2025 <br> Open-A relationship between XXXXXX XXX (NMLS ID: XXXXXXX) and the company (Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. The Loan Origination company NMLS ID is incorrect on the Note and Mortgage is file. - Due Diligence Vendor-05/23/2025 |  | Resolved-Received corrected docs. Condition cleared. - Due Diligence Vendor-06/04/2025<br>| Intent to Rerecord.pdf<br>Note.pdf<br>Mortgage.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4225431 | N/A | N/A |
| 442892252 | XXXXXXX | XXXXXX |  |  | Closed | 2025-05-28 10:58 | 2025-05-29 08:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/29/2025 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Audited DTI of 50.3% exceeds Guideline DTI of 50% due to tradeline of $284 being included into DTI which was initially excluded per 1008. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/29/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/29/2025<br>| DTI.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4257631 | N/A | N/A |
| 442892252 | XXXXXXX | XXXXXX |  |  | Closed | 2025-05-28 11:15 | 2025-05-29 08:53 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/29/2025<br>| Final.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4257804 | N/A | N/A |
| 442892252 | XXXXXXX | XXXXXX |  |  | Closed | 2025-05-29 08:51 | 2025-05-29 08:51 | Waived | 2 - Non-Material | Credit | Borrower | Missing required documentation for debt paid by others | Waived-Documentation for debt(s) paid by other than borrower does not meet requirements for exclusion from DTI calculations. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/29/2025 |  | Waived-Documentation for debt(s) paid by other than borrower does not meet requirements for exclusion from DTI calculations. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/29/2025<br>|  |  | CLTV 58.17% < 75% Min<br> FICO 695 > 680 Min<br> Housing History - no payments since inception of XX/XX/XXXX vs 0x30x12<br> SE same business/Line of work 8+ years | XX | Primary Residence | Refinance | Cash Out - Other | 4268539 | Originator Pre-Close | Yes |
| 442892252 | XXXXXXX | XXXXXX |  |  | Closed | 2025-05-28 11:08 | 2025-05-29 08:48 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/29/2025 <br>Resolved-Audited DTI of 47.16% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br>Open-Audited DTI of 50.3% exceeds Guideline DTI of 50% due to tradeline of $284 being included into DTI which was initially excluded per 1008. - Due Diligence Vendor-05/28/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/29/2025 <br>Resolved-Audited DTI of 47.16% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/29/2025<br>| DTI.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4257733 | N/A | N/A |
| 442892252 | XXXXXXX | XXXXXX |  |  | Closed | 2025-05-28 09:16 | 2025-05-29 08:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br>Open-Missing Lender Income Calculation Worksheet required per GL. - Due Diligence Vendor-05/28/2025 |  | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-05/29/2025<br>| Income worksheet.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4255492 | N/A | N/A |
| 442892252 | XXXXXXX | XXXXXX |  |  | Closed | 2025-05-28 11:08 | 2025-05-29 08:33 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br> Open-Audited Loan Amount of $XXXXXX is less than the Guideline Minimum Loan Amount of $150000 - Due Diligence Vendor-05/28/2025 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/29/2025<br>| Loan Amount.pdf |  | CLTV 58.17% < 75 % min<br> FICO 737 > 680 min<br> Housing History - no lates since XX/XX/XXXX vs 0x30x12 | XX | Primary Residence | Refinance | Cash Out - Other | 4257734 | Originator Pre-Close | Yes |
| 698590106 | XXXXXXX | XXXXXX |  |  | Closed | 2026-01-14 16:02 | 2026-01-14 16:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7095691 | Investor Post-Close | No |
| 754690253 | XXXXXXX | XXXXXX |  |  | Closed | 2025-06-16 08:23 | 2025-06-18 12:25 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/18/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/17/2025 <br>Open-Hazard Insurance Policy Partially Provided-Annual Premium is missing on policy. <br> - Due Diligence Vendor-06/16/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/18/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/18/2025<br>| HOI.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 4455680 | N/A | N/A |
| 586741495 | XXXXXXX | XXXXXX |  |  | Closed | 2025-06-17 22:20 | 2025-06-19 13:18 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved-The lender provided the required Document. Condition resolved. - Due Diligence Vendor-06/19/2025 <br> Resolved-Resolved - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-06/19/2025 <br> Open-The Last Loan Estimate was provided on (XX/XX/XXXX) which is on or after (XX/XX/XXXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) The file contains a Closing Disclosure and a Loan Estimate, both dated (XX/XX/XXXX). A Loan Estimate cannot be issued the same day as a Closing Disclosure. No Cure. - Due Diligence Vendor-06/18/2025 | See attached LOE for the LE - 06/19/2025 <br>| Resolved-The lender provided the required Document. Condition resolved. - Due Diligence Vendor-06/19/2025 <br>Resolved-Resolved - Due Diligence Vendor-06/19/2025<br>| LOX .pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4481606 | N/A | N/A |
| 461068843 | XXXXXXX | XXXXXX |  |  | Closed | 2025-06-27 09:19 | 2025-06-30 15:50 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documentation. The condition is resolved. - Due Diligence Vendor-06/30/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/30/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing 12 months verification of income. - Due Diligence Vendor-06/27/2025 |  | Resolved-The lender provided the required documentation. The condition is resolved. - Due Diligence Vendor-06/30/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/30/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4584802 | N/A | N/A |
| 461068843 | XXXXXXX | XXXXXX |  |  | Closed | 2025-06-27 09:07 | 2025-06-30 15:50 | Resolved | 1 - Information | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-The lender provided the required documentation. The condition is resolved. - Due Diligence Vendor-06/30/2025 <br> Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-06/30/2025 <br> Open-Income and Employment Do Not Meet Guidelines The lender guidelines require a minimum of 12-months income documentation. While the sources of income may vary, the borrower should have a consistent level of income despite changes in the source of income. The file only contains 7 months of income documentation, that reflects a 27% decrease in income from the start of new employment. - Due Diligence Vendor-06/27/2025 | uploaded document - 06/30/2025 <br>| Resolved-The lender provided the required documentation. The condition is resolved. - Due Diligence Vendor-06/30/2025 <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/30/2025<br>| 20080.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4584574 | N/A | N/A |
| 944748632 | XXXXXXX | XXXXXX |  |  | Closed | 2025-07-01 12:54 | 2025-07-03 12:14 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-07/03/2025 <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-07/03/2025 <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/03/2025 <br>Open-E-Consent documentation on TRID loan is missing for borrower(s). E-Consent documentation on TRID loan is missing for borrower 2. - Due Diligence Vendor-07/01/2025 |  | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-07/03/2025 <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-07/03/2025 <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-07/03/2025<br>| XXXXXXX CD.pdf<br> XXXXXXX Consent.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4619554 | N/A | N/A |
| 944748632 | XXXXXXX | XXXXXX |  |  | Closed | 2025-07-01 13:51 | 2025-07-03 12:14 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-07/03/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/03/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of XX/XX/XXXX. eSignature on initial CD is null and void due to the missing eConsent form. Therefore, the Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/01/2025 |  | Resolved-The lender provided the required documentation. Condition cleared. - Due Diligence Vendor-07/03/2025 <br>Resolved-Resolved - Due Diligence Vendor-07/03/2025<br>| XXXXXXX CD.pdf<br> XXXXXXX Consent.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4620706 | N/A | N/A |
| 944748632 | XXXXXXX | XXXXXX |  |  | Closed | 2025-07-02 09:15 | 2025-07-03 09:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-please waive - Seller-07/03/2025 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. . - Due Diligence Vendor-07/02/2025 | Ready for Review-please waive - Seller-07/03/2025<br>| Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/03/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4629509 | Investor Post-Close | No |
| 388409231 | XXXXXXX | XXXXXX |  |  | Closed | 2025-07-01 06:11 | 2025-07-02 15:29 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-Final Hud provided. Finding Resolved. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/02/2025 <br> Open-Missing Final HUD-1: Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. Missing final HUD in file - Due Diligence Vendor-07/01/2025 |  | Resolved-Final Hud provided. Finding Resolved. - Due Diligence Vendor-07/02/2025<br>| XXXXXXXX CLOSING.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 4612602 | N/A | N/A |
| 281541366 | XXXXXXX | XXXXXX |  |  | Closed | 2025-07-07 01:45 | 2025-07-09 14:25 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Acknowledged-Acknowledged - The finding is non-material, and the lender acknowledges that the loan will remain grade B. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-This is non material please waive - Buyer-07/08/2025 <br> Counter-The final CD in file does not match the figures on the final Settlement Statement, TRID only allows the prepaid Interest to change from the final CD in file to Final HUD without issuing a PPCD. Please provide PCCD. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/08/2025 <br> Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-07/07/2025 |  | Acknowledged-Acknowledged - The finding is non-material, and the lender acknowledges that the loan will remain grade B. - Due Diligence Vendor-07/09/2025<br>| HUD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4672972 | Investor Post-Close | No |
| 281541366 | XXXXXXX | XXXXXX |  |  | Closed | 2025-07-07 14:14 | 2025-07-08 11:31 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Please Waive - Buyer-07/08/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-07/07/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/08/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4696177 | Investor Post-Close | No |
| 952099437 | XXXXXXX | XXXXXX |  |  | Closed | 2025-07-08 08:28 | 2025-07-10 17:30 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-Fina settlement statement provided, finding cleared. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/09/2025 <br> Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/08/2025 |  | Resolved-Fina settlement statement provided, finding cleared. - Due Diligence Vendor-07/10/2025<br>| Final HUD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4720931 | N/A | N/A |
| 352276578 | XXXXXXX | XXXXXX |  |  | Closed | 2025-07-22 01:36 | 2025-07-24 14:36 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-Final HUD-1 provided. Finding Resolved. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/24/2025 <br> Open-Missing Final HUD-1: Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. Loan file has only estimated HUD, missing final HUD - Due Diligence Vendor-07/22/2025 |  | Resolved-Final HUD-1 provided. Finding Resolved. - Due Diligence Vendor-07/24/2025<br>| XXXXXX.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 4898754 | N/A | N/A |
| 115656264 | XXXXXXX | XXXXXX |  |  | Closed | 2025-07-28 08:15 | 2025-07-28 12:56 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/28/2025 <br> Open-Property type is ineligible due to The lender XX/XX/XXXX credit matrix has a 5-acre maximum. Subject property has more than X acres.. - Due Diligence Vendor-07/28/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-07/28/2025<br>| Exception.pdf |  | 55% LTV, 25%<80% requirement<br> 21 months reserves, 21>0 requirement<br> 0x25x30 on active mortgages<br> 52 years same profession, 49>3 years required | XX | Primary Residence | Refinance | Cash Out - Other | 4962123 | Originator Post-Close | Yes |
| 377314467 | XXXXXXX | XXXXXX |  |  | Closed | 2025-07-31 03:38 | 2025-08-04 17:10 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Please waive, can we please waive all of these moving forward. - Buyer-08/04/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/31/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/04/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5003678 | Investor Post-Close | No |
| 661797986 | XXXXXXX | XXXXXX |  |  | Closed | 2025-08-07 08:38 | 2025-08-08 07:45 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The lender guideline matrix for a 2nd mortgage cash out refinance requires an existing subordinate lien to be seasoned at least 6 months from closing of the existing lien. The borrower's subordinated lien is not seasoned 6 months. - Due Diligence Vendor-08/07/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/08/2025<br>| Exception.pdf |  | 34% DTI, 16%<50% requirement<br> 21 months reserves, 21>0 required<br> 775 FICO, 55>720 required | XX | Primary Residence | Refinance | Cash Out - Other | 5090546 | Originator Pre-Close | Yes |
| 661797986 | XXXXXXX | XXXXXX |  |  | Closed | 2025-08-06 09:01 | 2025-08-08 07:38 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Please waive - Buyer-08/07/2025 <br> Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/06/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/08/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5073133 | Investor Post-Close | No |
| 833178443 | XXXXXXX | XXXXXX |  |  | Closed | 2025-08-18 10:50 | 2025-08-25 09:03 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/22/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Guidelines require 12-month CPA, EA, or CTEC compiled P&L statement, however provided P&L in file is covering period of only 11 months (XX/XX/XXXX-XX/XX/XXXX). - Due Diligence Vendor-08/18/2025 | The lender provided the required documentation. The condition is resolved. - 08/25/2025 <br>| Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-08/25/2025<br>| CPA letter for clerical error with start date on prev P & L.pdf<br>P & L 7.1.24-6.30.25.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5212647 | N/A | N/A |
| 833178443 | XXXXXXX | XXXXXX |  |  | Closed | 2025-08-18 10:50 | 2025-08-25 09:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documentation. The condition is resolved. - Due Diligence Vendor-08/25/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Provided - Buyer-08/22/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Guidelines require 12-month CPA, EA, or CTEC compiled P&L statement, however provided P&L in file is covering period of only 11 months (XX/XX/XXXX-XX/XX/XXXX). - Due Diligence Vendor-08/18/2025 |  | Resolved-The lender provided the required documentation. The condition is resolved. - Due Diligence Vendor-08/25/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/25/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5212648 | N/A | N/A |
| 488941340 | XXXXXXX | XXXXXX |  |  | Closed | 2025-08-20 03:35 | 2025-08-22 16:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender income calc worksheet provided. Finding Resolved. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/22/2025 <br> Open-Missing Lender Income Calculation Worksheet - Due Diligence Vendor-08/20/2025 |  | Resolved-Lender income calc worksheet provided. Finding Resolved. - Due Diligence Vendor-08/22/2025<br>| XXXXXX XXXXXX P&L income calc.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5243437 | N/A | N/A |
| 488941340 | XXXXXXX | XXXXXX |  |  | Closed | 2025-08-20 03:06 | 2025-08-20 13:45 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Document uploaded. Finding Resolved. - Due Diligence Vendor-08/20/2025 <br> Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Prior policy - Buyer-08/20/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX and also it is after the disbursement date XX/XX/XXXX - Due Diligence Vendor-08/20/2025 |  | Resolved-Document uploaded. Finding Resolved. - Due Diligence Vendor-08/20/2025 <br> Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/20/2025 | HOI.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5243323 | N/A | N/A |
| 617880562 | XXXXXXX | XXXXXX |  |  | Closed | 2025-09-11 08:30 | 2025-09-11 13:52 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/11/2025 <br> Ready for Review- - Due Diligence Vendor-09/11/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-09/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The lender guidelines require minimum 0x30x12 mortgage history. The current 2nd mortgage on the subject property is 4x12x30 because the borrower has been making partial payments the past 4 months since maturity of the Balloon mortgage. - Due Diligence Vendor-09/11/2025 | Borrower is making more than the payment stated on the account statements used for the payment history, but lender/servicer is calling it a partial payment because of the balloon not being paid in full. Seet attached confirming pymts. are equal to or more than required. - 09/11/2025 <br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/11/2025<br>| XXXXX XXXXX Worksheet VOM History.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5497966 | N/A | N/A |
| 497210600 | XXXXXXX | XXXXXX |  |  | Closed | 2026-01-15 08:01 | 2026-01-15 09:02 | Acknowledged | 1 - Information | Property | Value | Secondary Valuation Product Only Supports Value Used to Calculate LTV | Acknowledged-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P. - Due Diligence Vendor-01/15/2026 <br> Open-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P. - Due Diligence Vendor-01/15/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7107841 | Investor Post-Close | No |
| 714589400 | XXXXXXX | XXXXXX |  |  | Closed | 2025-09-17 03:32 | 2025-09-18 16:12 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/18/2025 <br> Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/18/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date in file of XX/XX/XXXX. - Due Diligence Vendor-09/17/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/18/2025 <br>Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-09/18/2025<br>| Updated appraisal emailed to borrower XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5563937 | N/A | N/A |
| 687889366 | XXXXXXX | XXXXXX |  |  | Closed | 2025-09-22 11:39 | 2025-09-25 08:04 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/23/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/22/2025 |  | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-09/25/2025<br>| Appraisal emailed to borrower XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5620737 | N/A | N/A |
| 687889366 | XXXXXXX | XXXXXX |  |  | Closed | 2025-09-22 11:39 | 2025-09-25 08:03 | Resolved | 1 - Information | Compliance | Missing Doc | HPML: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/23/2025 <br> Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-09/22/2025 |  | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-09/25/2025<br>| Appraisal emailed to borrower XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5620736 | N/A | N/A |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 5** 

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| ALT ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 256370234 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 37.01 | 79.77 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 917495537 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 26.74 | 74.3 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 477404145 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 18.67 | 74.77 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 516278320 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | $XXXXXX | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 11.36 | 76.05 | $XXXXXX | $XXXXXX | XX.XX | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XX/XX/XXXX |
| 926759235 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 31.44 | 89.86 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 350840633 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 23.65 | 60.71 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 832634985 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 13.86 | 69.31 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 734871884 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 10.0 | 80.0 | $XXXXXX | $XXXXXX | XX.XX | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| 868294522 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 39.47 | 67.84 | $XXXXXX | $XXXXXX | XX.XX | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 576475242 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 20.48 | 65.69 | $XXXXXX | $XXXXXX | XX.XX | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 797435051 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 27.58 | 46.2 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 126180483 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 7.61 | 74.89 | $XXXXXX | $XXXXXX | XX.XX | 1004 URAR |  |  |  |  | XXXXXX | 0.0 | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| 727933145 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 22.22 | 61.6 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 377314467 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 15.58 | 46.69 | $XXXXXX | $XXXXXX | XX.XX | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XX/XX/XXXX |
| 661797986 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 41.18 | 72.67 | $XXXXXX | $XXXXXX | XX.XX | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| 495332996 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 12.0 | 60.33 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 833178443 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 28.57 | 69.16 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 488941340 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 17.65 | 67.07 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 600759136 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 26.92 | 73.03 | $XXXXXX | $XXXXXX | XX.XX | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 808813162 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR |  | XXXXXX | XXXXXX | $XXXXXX | 13.09 | 74.95 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 617880562 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 22.58 | 79.76 | $XXXXXX | $XXXXXX | XX.XX | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 497210600 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 32.45 | 67.01 | $XXXXXX | $XXXXXX | XX.XX | AVM |  |  |  |  | .0 |  |  |  |  | XXXXXX | XXXXXX | -.1138 | 87.0 | 0.13 | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 714589400 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 15.2 | 80.0 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 687889366 | XXXXXX |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 23.64 | 62.04 | $XXXXXX | $XXXXXX | XX.XX | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

**Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Sutton Funding LLC (the "Client"). The review was conducted between May 24, 2024 and November 26 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 158 Non-QM loans and 23 ATR-QM exempt loans for a total of 181 loans the "Final Securitization Population".

*<u>Credit Reviews (181):</u>*

During the Review, Selene performed a credit review on 181 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (181)</u>*

During the Review, Selene performed a compliance review on 181 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (181):</u>*

During the Review, Selene performed a property valuation review on 181 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (181):</u>*

During the Review, Selene performed a Data Integrity Review on 181 mortgage loans in the Final Securitization Population.

*BARC 2026-CES1 Executive Summary (Selene Diligence)*

![](ex99-6_001.jpg)

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 181 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;181 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;181 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;181 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;181 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, DBRS, Inc. ("DBRS"), Fitch Ratings, Inc ("Fitch") (collectively the NRSRO(s))

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Cake Mortgage Corp. Non- QM Loan Eligibility Guidelines, OCMBC Closed End Second (CES) Guidelines, LoanStream One Guide (collectively the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene provided a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

---

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| &nbsp;&nbsp;*BARC 2026-CES1 Executive Summary (Selene Diligence)* |

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![](ex99-6_001.jpg)

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine whether
funds to close and reserves were within the Guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument, with respect to the ATR-QM Exempt Loans. With respect to the Non-QM loans, Selene tested whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act. Please see Appendix B for additional information.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

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

---

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| &nbsp;&nbsp;*BARC 2026-CES1 Executive Summary (Selene Diligence)* |

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![](ex99-6_001.jpg)

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 181 mortgage loans, (ii) a Compliance Review on 181 mortgage loans (iii) a Valuation Review on 181 mortgage loans, and (iv) a Data Integrity Review on 181 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 181 mortgage loans; 173 mortgage loans had a rating grade of A, 8 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (181 overall loans):***

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;62 | &nbsp;&nbsp;62 | &nbsp;&nbsp;34.25% &nbsp;&nbsp;A | &nbsp;&nbsp;173 | &nbsp;&nbsp;173 | &nbsp;&nbsp;95.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.10% &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.42% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;44 | &nbsp;&nbsp;44 | &nbsp;&nbsp;24.31% &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;73 | &nbsp;&nbsp;73 | &nbsp;&nbsp;40.33% &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

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![](ex99-6_001.jpg)

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;181 | &nbsp;&nbsp;181 | &nbsp;&nbsp;181 | &nbsp;&nbsp;181 | &nbsp;&nbsp;100.00% &nbsp;&nbsp;A | &nbsp;&nbsp;174 | &nbsp;&nbsp;174 | &nbsp;&nbsp;96.13% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.87% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;180 | &nbsp;&nbsp;99.45% | &nbsp;&nbsp;176 | &nbsp;&nbsp;97.24% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.55% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.21% |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

---

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![](ex99-6_001.jpg)

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

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

---

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**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

---

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**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Superior Lien Review**

As applicable, Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Captured superior lien outstanding loan amount and current payment amounts to validate CLTV and PITIA for DSCR calculations;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed the original senior lien note to ensure eligible senior lien loan type adhere to the Guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed the current mortgage statements for existing senior lien payments.

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**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
 for any name variations for the borrowers and confirm that the variations have been addressed
 in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 for any social security number variations for the borrowers and confirm that the variations
 have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 for any potential occupancy issues based on the borrowers' address history and confirm
 that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
 for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
 for any additional consumers associated with the borrowers' profiles and confirm the
 materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| i) | confirm the presence of LE for applications on or after October 3, 2015; |
| ii) | confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application; |
| iii) | confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE; |
| iv) | confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency; |
| v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction; | v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction; |
| vi) | confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures; |
| vii) | confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance; |
| viii) | confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services); |
| ix) | confirm borrower received LE not later than four (4) business days prior to consummation; and |
| x) | confirm LE was not provided to the borrower on or after the date of the CD. |

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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<u>General Ability to Repay</u>

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

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

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

a) Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

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

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

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

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

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

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**APPENDIX C– VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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## Exhibit 99.6

**Exhibit 99.6 Schedule 1** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxx1964 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5976 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5976 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9602 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9602 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx6195 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3789 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3789 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1076 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1365 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9895 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1897 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx1897 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx1897 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9736 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9736 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8572 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8572 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9617 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9665 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx9665 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx9665 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9665 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1032 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1032 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8182 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8182 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8080 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx0874 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9373 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9373 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9373 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8194 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7560 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8195 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7955 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9292 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9292 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6425 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6425 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6425 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5029 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx2871 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx2871 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8250 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
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| xxxxxx6985 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6985 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx6985 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx7783 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7783 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx2913 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx0037 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3331 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3331 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx3331 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx3331 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7988 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7988 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx7988 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8242 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8242 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6959 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6959 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9222 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9222 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx9222 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9222 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9222 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx9222 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1092 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx1092 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6651 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9240 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9240 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx8235 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6040 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6040 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx6040 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8458 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8758 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4189 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4189 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4189 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7679 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7679 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx7679 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx7679 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7194 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7194 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx7625 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7625 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6591 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6591 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx9725 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9725 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx9725 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx8518 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8518 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7215 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7215 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx7215 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9536 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9536 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9536 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9536 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7937 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7937 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx7937 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx7937 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9672 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9672 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9432 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9432 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9432 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8926 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8926 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9907 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9907 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx0353 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx0353 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx0353 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx0353 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx0161 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6727 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9503 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9503 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx9503 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7182 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7182 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx7182 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7903 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7903 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx7903 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx7903 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7343 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Kroll** | **Moodys** | **DBRS/Morningstar** | **Kroll** | **Moodys** |
| xxxxxx1964 |  | XXXX | XXXX C A | A | A | A C B | A | A | A B |
| xxxxxx5976 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| xxxxxx9602 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx6195 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx3789 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx1076 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx1365 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx9895 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx1897 |  | XXXX | XXXX C A | A | A | A C B | A | A | A B |
| xxxxxx9736 |  | XXXX | XXXX A | D | D | D A | A | A | A |
| xxxxxx1625 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx8572 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| xxxxxx9617 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| xxxxxx9665 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx1032 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx8182 |  | XXXX | XXXX D | A | A | A D | A | A | A |
| xxxxxx8080 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx0874 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx9373 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7105 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx8194 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx7560 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| xxxxxx8195 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| xxxxxx7955 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx9292 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx6425 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx5029 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx2871 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx8250 |  | XXXX | XXXX D | A | A | A D | A | A | A |
| xxxxxx6158 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx9478 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx2649 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx2260 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx9962 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx2755 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx2530 |  | XXXX | XXXX C A | A | A | A C B | A | A | A B |
| xxxxxx6909 |  | XXXX | XXXX C A | A | A | A C B | A | A | A B |
| xxxxxx2869 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx2519 |  | XXXX | XXXX D B | A | A | A D | A | A | A |
| xxxxxx1023 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx8721 |  | XXXX | XXXX D | A | A | A D | A | A | A |
| xxxxxx0984 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx0576 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx1982 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| xxxxxx1592 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx5258 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx2950 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx1975 |  | XXXX | XXXX A | D | D | D A | A | A | A |
| xxxxxx5810 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7676 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx7174 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| xxxxxx1970 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx7867 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx7579 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx8293 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx8685 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx4493 |  | XXXX | XXXX A B | A | A | A B | A | A | A |
| xxxxxx7277 |  | XXXX | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| xxxxxx8833 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx9766 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx8384 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx4188 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx8481 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx4022 |  | XXXX | XXXX B D | A | A | A D | A | A | A |
| xxxxxx8914 |  | XXXX | XXXX D | A | A | A D | A | A | A |
| xxxxxx0926 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx6032 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| xxxxxx1137 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| xxxxxx1299 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx9392 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx8654 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx0516 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx1487 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx9762 |  | XXXX | XXXX C | A | A | A C B | A | A | A B |
| xxxxxx1510 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx1338 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx0058 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx1223 |  | XXXX | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| xxxxxx6492 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx1767 |  | XXXX | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| xxxxxx1128 |  | XXXX | XXXX C | A | A | A C | A | A | A |
| xxxxxx4271 |  | XXXX | XXXX C A | D | D | D A | A | A | A |
| xxxxxx0414 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx9851 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| xxxxxx8493 |  | XXXX | XXXX D A | C | C | C D A | A | A | A |
| xxxxxx1070 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx1449 |  | XXXX | XXXX C | A | A | A C | A | A | A |
| xxxxxx0321 |  | XXXX | XXXX C | A | A | A C | A | A | A |
| xxxxxx4218 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx3482 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx4374 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx4488 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| xxxxxx4463 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx2076 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx4876 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx5306 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx1410 |  | XXXX | XXXX D | C | C | C D A | A | A | A |
| xxxxxx6452 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx2508 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx5159 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx0325 |  | XXXX | XXXX A D | B | B | B D A | B | B | B |
| xxxxxx5288 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx5054 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx5023 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7178 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx8844 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx5319 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| xxxxxx5304 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx6504 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx3197 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| xxxxxx5269 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx4871 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx5042 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx5164 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| xxxxxx5937 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx6252 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx5055 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| xxxxxx5852 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx5118 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7588 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx5607 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| xxxxxx7192 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7248 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| xxxxxx4032 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx6248 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx5639 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7034 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx5476 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx4761 |  | XXXX | XXXX A B | A | A | A B | A | A | A |
| xxxxxx7616 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx6283 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx6385 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7059 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx8549 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx2161 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7589 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx6822 |  | XXXX | XXXX A C | D | D | D A | A | A | A |
| xxxxxx5592 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx6400 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx6920 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx8048 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx3907 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7897 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx6985 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7783 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx2913 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| xxxxxx0037 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx3331 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx7988 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| xxxxxx8242 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx6959 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx9222 |  | XXXX | XXXX C A | C | C | C A | A | A | A |
| xxxxxx1092 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx6651 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx9240 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx8235 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx6040 |  | XXXX | XXXX D | A | A | A D | A | A | A |
| xxxxxx8458 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx8758 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx4189 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx7679 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7194 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| xxxxxx7625 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx6591 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx9725 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx8518 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| xxxxxx7215 |  | XXXX | XXXX D C | A | A | A D B | A | A | A B |
| xxxxxx9536 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx7937 |  | XXXX | XXXX D A | C | C | C D A | A | A | A |
| xxxxxx9672 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx9432 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx8697 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx8926 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx9907 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx0353 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx0161 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx6727 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| xxxxxx9503 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| xxxxxx7182 |  | XXXX | XXXX A | A | A | A | A | A | A |
| xxxxxx7903 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| xxxxxx7343 |  | XXXX | XXXX B D | N/A | N/A C | N/A D B | N/A | N/A C | N/A B C |

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## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxxxxx1964 |  |  | Closed | 2024-05-29 09:31 | 2024-06-04 11:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved to allow a XXXX that is leased. Per guides at the time of XXXX were not eligible. - Due Diligence Vendor-06/04/2024 <br> Ready for Review-Document Uploaded. - Seller-06/03/2024 <br> Counter-The guideline snap shot provided in the attachment is not a guideline that is on file for our review. The loan is a 2nd lien. The Lender Approval shows the guideline / Matrix used for review is XXXX. As per the guidelines dated XXXX PDF Pages 9-10, listed under Ineligible Property Types is Properties with XXXX that are leased or financed. An exception is being requested. - Due Diligence Vendor-05/31/2024 <br> Ready for Review-Document Uploaded. Our guidelines allow XXXX. - Seller-05/30/2024 <br> Open-Loan does not conform to program guidelines The property has leased XXXX. As per guidelinesXXXX, PDF page 9 & 10, properties with leased XXXX are considered ineligible property types. An exception is being requested. - Due Diligence Vendor-05/29/2024 | Ready for Review-Document Uploaded. - Seller-06/03/2024 <br> Ready for Review-Document Uploaded. Our guidelines allow XXXX. - Seller-05/30/2024 | Waived-Exception Approved to allow a XXXX that is leased. Per guides at the time of XXXX were not eligible. - Due Diligence Vendor-06/04/2024<br>| XXXX |  | Comp Factor #1: CLTV lower - under 60%, Max CLTV is 75% - 21.91% Difference.<br> Comp Factor #2: Residual Income $2,680 per month – Minimum Residual Income $2500 <br> Comp Factor #3: Reserves at least 40 months – Reserves are not required on loan type, borrower has 40.26 months.  | CA | Investment | Refinance | Cash Out - Other | 1751884 | Originator Post-Close | Yes |
| XXXX | xxxxxx1964 |  |  | Closed | 2024-05-28 05:49 | 2024-06-04 03:02 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Updated appraisal uploaded verifying 2 Units in General Description, verified & entered in system - Resolved. - Due Diligence Vendor-06/04/2024 <br>Ready for Review-Document Uploaded. - Seller-06/03/2024 <br>Open-In provided Appraisal under General Description the Units have not Check marked, Request to provide updated Appraisal with Units Marked - Due Diligence Vendor-05/28/2024 | Ready for Review-Document Uploaded. - Seller-06/03/2024<br>| Resolved-Updated appraisal uploaded verifying 2 Units in General Description, verified & entered in system - Resolved. - Due Diligence Vendor-06/04/2024<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 1742673 | N/A | N/A |
| XXXX | xxxxxx5976 |  |  | Closed | 2024-06-12 03:50 | 2024-06-20 08:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Assumption corrected to no. - Due Diligence Vendor-06/20/2024 <br>Ready for Review-Document Uploaded. PCCD with Assumption Correction. - Seller-06/19/2024 <br>Open-TRID: Missing Final Closing Disclosure Request to provide updated final cd with correct assumption as per guideline Assumable loans are ineligible transaction. - Due Diligence Vendor-06/12/2024 | Ready for Review-Document Uploaded. PCCD with Assumption Correction. - Seller-06/19/2024<br>| Resolved-Assumption corrected to no. - Due Diligence Vendor-06/20/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 1819643 | N/A | N/A |
| XXXX | xxxxxx5976 |  |  | Closed | 2024-06-13 11:39 | 2024-06-14 02:43 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Loan Approval Form uploaded verifying corrected Doc Type as Alt Doc 12 Mo Bank statements, verified & entered in system - Resolved. - Due Diligence Vendor-06/14/2024 <br> Ready for Review-Document Uploaded. Updated Lender Approval - Seller-06/13/2024 <br> Open-Lender approval indicates full doc 12 months, 1008 indicates Alt Doc 12 Mo Bank statement. B1 Primary wage earner is self employed. B2 wage earner. Income calculation worksheet for B1 analyzes 12 Mo Bank statement. Please furnish a corrected lender approval or clarify. - Due Diligence Vendor-06/13/2024 | Ready for Review-Document Uploaded. Updated Lender Approval - Seller-06/13/2024<br>| Resolved-Updated Lender Loan Approval Form uploaded verifying corrected Doc Type as Alt Doc XXXX Mo Bank statements, verified & entered in system - Resolved. - Due Diligence Vendor-06/14/2024 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 1829488 | N/A | N/A |
| XXXX | xxxxxx5976 |  |  | Closed | 2024-06-12 04:34 | 2024-06-20 08:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 164. An interior and exterior appraisal was completed for this property – see pg 24. A copy of the appraisal was given to the borrower per Initial LE on Pg-292 The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/20/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX) equals or exceeds the XXXX XXXX threshold of XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. <br> Rate lock date was entered correctly pg-164,286<br> Final Closing disclosure on Pg-165<br> An interior and exterior appraisal was completed for this property pg-24<br> Appraisal disclosure was provided to the borrower(s), a copy of the appraisal was given to the borrower on Pg-322<br> The loan meets XXXX Guidelines. XXXX Lender Certification is in Page-283<br> - Due Diligence Vendor-06/12/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 164. An interior and exterior appraisal was completed for this property – see pg 24. A copy of the appraisal was given to the borrower per Initial LE on Pg-292 The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/20/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. <br> Rate lock date was entered correctly pg-164,286<br> Final Closing disclosure on Pg-165<br> An interior and exterior appraisal was completed for this property pg-24<br> Appraisal disclosure was provided to the borrower(s), a copy of the appraisal was given to the borrower on Pg-322<br> The loan meets XXXX Guidelines. XXXX Lender Certification is in Page-283<br> - Due Diligence Vendor-06/12/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 1819756 | N/A | N/A |
| XXXX | xxxxxx5976 |  |  | Closed | 2024-06-12 04:34 | 2024-06-20 08:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 164. An interior and exterior appraisal was completed for this property – see pg 24. A copy of the appraisal was given to the borrower per Initial LE on Pg-292 The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-06/20/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXXXXX).(XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. <br> Rate lock date was entered correctly pg-164,286<br> Final Closing disclosure on Pg-165<br> An interior and exterior appraisal was completed for this property pg-24<br> A copy of the appraisal was given to the borrower per Initial LE on Pg-292<br> The loan meets XXXX Guidelines. XXXX Lender Certification is in Page-283<br> - Due Diligence Vendor-06/12/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 164. An interior and exterior appraisal was completed for this property – see pg 24. A copy of the appraisal was given to the borrower per Initial LE on Pg-292 The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-06/20/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. <br> Rate lock date was entered correctly pg-164,286<br> Final Closing disclosure on Pg-165<br> An interior and exterior appraisal was completed for this property pg-24<br> A copy of the appraisal was given to the borrower per Initial LE on Pg-292<br> The loan meets HPML Guidelines. HPML Lender Certification is in Page-283<br> - Due Diligence Vendor-06/12/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 1819755 | N/A | N/A |
| XXXX | xxxxxx9602 |  |  | Closed | 2024-07-07 23:39 | 2024-07-11 10:53 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received and reviewed. XXXX successfully run - Due Diligence Vendor-07/11/2024 <br> Resolved-Resolved - Due Diligence Vendor-07/11/2024 <br> Ready for Review-Document Uploaded. PCCD and FSS. - Seller-07/10/2024 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX) and Official Staff Commentary) Request for clarification of Right to Cancel documentation. The provided doc indicates a start date of XXXX with an expiration date of XXXX. However, the Notary date is XXXX and disbursement date is XXXX which falls the same day as the calculated consummation date - Due Diligence Vendor-07/08/2024 | Ready for Review-Document Uploaded. PCCD and FSS. - Seller-07/10/2024<br>| Resolved-PCCD received and reviewed. XXXX successfully run - Due Diligence Vendor-07/11/2024 <br>Resolved-Resolved - Due Diligence Vendor-07/11/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 1943704 | N/A | N/A |
| XXXX | xxxxxx6195 |  |  | Closed | 2024-07-09 02:00 | 2024-07-12 01:53 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-07/12/2024 <br> Ready for Review-Document Uploaded. - Seller-07/11/2024 <br> Open-Borrower 1 Ethnicity Selection is Not Provided. Requesting updated Final 1003 reflecting completed Section 8 for borrower 1. - Due Diligence Vendor-07/09/2024 | Ready for Review-Document Uploaded. - Seller-07/11/2024<br>| Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-07/12/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 1950815 | N/A | N/A |
| XXXX | xxxxxx3789 |  |  | Closed | 2024-07-10 05:29 | 2024-07-10 05:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 138 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#279, 334. <br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/10/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 138 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#279, 334. <br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/10/2024 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 1959317 | N/A | N/A |
| XXXX | xxxxxx1076 |  |  | Closed | 2024-07-11 22:13 | 2024-07-14 21:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX) This loan failed the higher-priced mortgage loan test. XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow <br> Final Closing disclosure on Pg#'s 137, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 136. An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 296 and confirmation the appraisal was delivered to the borrower – see Pg#'69 of file uploads. The loan meets XXXX guidelines<br> - Due Diligence Vendor-07/12/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow <br> Final Closing disclosure on Pg#'s 137, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 136. An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 296 and confirmation the appraisal was delivered to the borrower – see Pg#'69 of file uploads. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/12/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 1973933 | N/A | N/A |
| XXXX | xxxxxx1076 |  |  | Closed | 2024-07-11 22:13 | 2024-07-14 21:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXXThis loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow <br> Final Closing disclosure on Pg#'s 137, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 136. An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 296 and confirmation the appraisal was delivered to the borrower – see Pg#'69 of file uploads. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/12/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow <br> Final Closing disclosure on Pg#'s 137, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 136. An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 296 and confirmation the appraisal was delivered to the borrower – see Pg#'69 of file uploads. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/12/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 1973932 | N/A | N/A |
| XXXX | xxxxxx9895 |  |  | Closed | 2024-07-14 23:44 | 2024-07-17 07:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing since loan is a 2nd lien. Rate lock date was entered correctly – see Pg#'s 181. An interior and exterior appraisal was completed for this property – see pg 52, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 282, and confirmation the appraisal was delivered to the borrower – see Pg#'s 173. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-07/15/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing since loan is a 2nd lien. Rate lock date was entered correctly – see Pg#'s 181. An interior and exterior appraisal was completed for this property – see pg 52, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 282, and confirmation the appraisal was delivered to the borrower – see Pg#'s 173. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-07/15/2024 |  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 1985125 | N/A | N/A |
| XXXX | xxxxxx1897 |  |  | Closed | 2024-07-15 23:27 | 2024-08-01 02:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception approved for lower loan amount than our minimum loan amount per guides. Guides state $XXXX and closed loan and approved for $XXXX loan amount with valid compensating factors. - Due Diligence Vendor-08/01/2024 <br> Ready for Review-Document Uploaded. - Seller-07/31/2024 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Request to advise to the discrepancy in loan amount and matrix parameters. Per the XXXX matrix, the minimum loan amount for CES is $XXXX. - Due Diligence Vendor-07/16/2024 | Ready for Review-Document Uploaded. - Seller-07/31/2024<br>| Waived-Exception approved for lower loan amount than our minimum loan amount per guides. Guides state $XXXX and closed loan and approved for $XXXX loan amount with valid compensating factors. - Due Diligence Vendor-08/01/2024 | XXXX |  | Compensating Factors:<br> 1. Credit Score is 735. Minimum required per guidelines is 720.<br> 2. DTI is 33.2%. Maximum allowed per guidelines is 45%.<br> 3. Residual Income is $5437.64. Minimum Residual Income required per guidelines is $1250.  | AZ | Primary Residence | Refinance | Cash Out - Other | 1994226 | Originator Post-Close | Yes |
| XXXX | xxxxxx1897 |  |  | Closed | 2024-07-16 04:23 | 2024-07-26 20:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX%. As per XXXX guidelines If the borrower is on an income-driven payment plan, the lender may obtain student loan documentation to verify the actual monthly payment is $XXXX. The lender may then qualify the borrower with a $0 payment. Attached is the monthly payment IDR plan for the borrower. - Due Diligence Vendor-07/27/2024 <br> Ready for Review-Document Uploaded. - Seller-07/26/2024 <br> Open-Audited DTI of XXXX% exceeds Guideline DTI of XXXX% For Student Loan XXXX considered monthly payment equal to XXXX% of outstanding balance, which was not included into the DTI calculation causing the DTI to exceed the G/L requirements. Request for clarification on the same. - Due Diligence Vendor-07/16/2024 | Ready for Review-Document Uploaded. - Seller-07/26/2024<br>| Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX%. As per FNMA guidelines If the borrower is on an income-driven payment plan, the lender may obtain student loan documentation to verify the actual monthly payment is $XXXX. The lender may then qualify the borrower with a $XXXX payment. Attached is the monthly payment IDR plan for the borrower. - Due Diligence Vendor-07/27/2024 | XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 1994884 | N/A | N/A |
| XXXX | xxxxxx1897 |  |  | Closed | 2024-07-15 23:52 | 2024-07-17 08:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 61 An interior and exterior appraisal was completed for this property – see pg#10, ECOA Appraisal Disclosure OR the LE's page as the page#88, 220, 156. The loan meets HPML guidelines. - Due Diligence Vendor-07/16/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 61 An interior and exterior appraisal was completed for this property – see pg#10, ECOA Appraisal Disclosure OR the LE's page as the page#88, 220, 156. The loan meets HPML guidelines. - Due Diligence Vendor-07/16/2024 |  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 1994290 | N/A | N/A |
| XXXX | xxxxxx9736 |  |  | Closed | 2024-07-18 01:16 | 2024-07-31 07:50 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-As per updated Lender Approval provided, guidelines reflect 2nd Valuation not required. - Due Diligence Vendor-07/31/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, please see corrected program information. The matrix date is XXXX - Seller-07/30/2024 <br> Counter-As per the loan approval page #284, the second lien Matrix used was XXXX. As per the 2nd lien XXXXguidelines PDF page #3 states a Secondary Valuation is required on all loans. Requesting a Secondary Valuation or Exception with Compensating Factors. - Due Diligence Vendor-07/25/2024 <br> Ready for Review-Hi Tenant, this is a PIW. We already sent updated guidelines to handle this issue. Please check with your management. - Seller-07/24/2024 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Requesting to provide a Secondary Valuation or Additional Valuation for securitization as per guidelines datedXXXX. - Due Diligence Vendor-07/18/2024 | Ready for Review-Document Uploaded. Hi Tenant, please see corrected program information. The matrix date is XXXX - Seller-07/30/2024 <br> Ready for Review-Hi Tenant, this is a PIW. We already sent updated guidelines to handle this issue. Please check with your management. - Seller-07/24/2024 | Resolved-As per updated Lender Approval provided, guidelines reflect 2nd Valuation not required. - Due Diligence Vendor-07/31/2024<br>| XXXX |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 2009608 | N/A | N/A |
| XXXX | xxxxxx1625 |  |  | Closed | 2024-07-18 01:39 | 2024-07-23 10:16 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-07/23/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, loan did not fund until XXXX. Please see attached PCCD. - Seller-07/22/2024 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX and Official Staff Commentary) Requesting for clarification of Right to Cancel documentation and updated per diem date on the PCCD. The provided doc indicates a start date of XXXX with an expiration date of XXXX. However, the Notary date is XXXX and disbursement date is XXXX which falls same day as consummation day. - Due Diligence Vendor-07/18/2024 | Ready for Review-Document Uploaded. Hi Tenant, loan did not fund until XXXX. Please see attached XXXX. - Seller-07/22/2024 | Resolved-Resolved - Due Diligence Vendor-07/23/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2009680 | N/A | N/A |
| XXXX | xxxxxx8572 |  |  | Closed | 2024-07-19 00:25 | 2024-07-31 13:10 | Resolved | 1 - Information A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Final Policy is uploaded, verified & entered in System - Resolved. - Due Diligence Vendor-07/24/2024 <br> Ready for Review-Document Uploaded. - Seller-07/23/2024 <br> Open-Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien(s) Title Coverage Amount is missing, please provide updated title. - Due Diligence Vendor-07/19/2024 | Ready for Review-Document Uploaded. - Seller-07/23/2024<br>| Resolved-Title Final Policy is uploaded, verified & entered in System - Resolved. - Due Diligence Vendor-07/24/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2018645 | N/A | N/A |
| XXXX | xxxxxx8572 |  |  | Closed | 2024-07-22 08:13 | 2024-07-24 13:42 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Resolved-PCCD received with will not allow assumption of this loan on the original terms. - Due Diligence Vendor-07/24/2024 <br>Ready for Review-Document Uploaded. - Seller-07/23/2024 <br>Open-Final CD page 137 is indicating will allow, under certain conditions, this person to assume this loan on the original terms which is incorrect. Should reflect will not allow assumption of this loan on the original terms. - Due Diligence Vendor-07/22/2024 | Ready for Review-Document Uploaded. - Seller-07/23/2024<br>| Resolved-PCCD received with will not allow assumption of this loan on the original terms. - Due Diligence Vendor-07/24/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2030332 | N/A | N/A |
| XXXX | xxxxxx8572 |  |  | Closed | 2024-07-22 07:04 | 2024-07-24 04:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self-Employment Business Narrative uploaded, verified - Resolved. - Due Diligence Vendor-07/24/2024 <br>Ready for Review-Document Uploaded. - Seller-07/23/2024 <br>Open-Missing Business Narrative - Due Diligence Vendor-07/22/2024 | Ready for Review-Document Uploaded. - Seller-07/23/2024<br>| Resolved-Self-Employment Business Narrative uploaded, verified - Resolved. - Due Diligence Vendor-07/24/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2029765 | N/A | N/A |
| XXXX | xxxxxx8572 |  |  | Closed | 2024-07-19 02:36 | 2024-07-29 11:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/29/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/24/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).XXXX The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/19/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).XXXX) The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/29/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 1XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/24/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/19/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2018901 | N/A | N/A |
| XXXX | xxxxxx8572 |  |  | Closed | 2024-07-19 02:36 | 2024-07-29 11:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/29/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXXThis loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/24/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (10.46%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-07/19/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/29/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/24/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (10.46%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 292. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 367-368, and confirmation the appraisal was delivered to the borrower – see Pg#'s 154. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-07/19/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2018900 | N/A | N/A |
| XXXX | xxxxxx9617 |  |  | Closed | 2024-07-23 02:38 | 2024-08-01 13:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/01/2024 <br> Open-Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/01/2024 <br> Resolved-Updated Title Supplement Report uploaded, verified & entered in System - Resolved. - Due Diligence Vendor-07/26/2024 <br> Resolved-Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/26/2024 <br> Open-Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/26/2024 <br> Ready for Review-Document Uploaded. - Seller-07/25/2024 <br> Open-Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien(s) Missing evidence of Title coverage to cover the 2nd mortgage loan amount of $XXXX. The title documents provided do not include the coverage amount. - Due Diligence Vendor-07/23/2024 | Ready for Review-Document Uploaded. - Seller-07/25/2024<br>| Resolved-Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/01/2024 <br> Resolved-Updated Title Supplement Report uploaded, verified & entered in System - Resolved. - Due Diligence Vendor-07/26/2024 <br> Resolved-Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/26/2024 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2036460 | N/A | N/A |
| XXXX | xxxxxx9617 |  |  | Closed | 2024-07-26 12:16 | 2024-07-31 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided, resolved. - Due Diligence Vendor-07/31/2024 <br> Ready for Review-Document Uploaded. corrected VOE - Seller-07/30/2024 <br> Counter-The attached VOE does not have a date on it. Request to provide VOE dated within 10 days of the note. - Due Diligence Vendor-07/30/2024 <br> Ready for Review-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/30/2024 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/30/2024 <br> Ready for Review-Document Uploaded. - Seller-07/30/2024 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Request to provide VOE dated within 10 days of the note as required per XXXX GLs - Due Diligence Vendor-07/26/2024 | Ready for Review-Document Uploaded. corrected VOE - Seller-07/30/2024 <br>Ready for Review-Document Uploaded. - Seller-07/30/2024<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided, resolved. - Due Diligence Vendor-07/31/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2066703 | N/A | N/A |
| XXXX | xxxxxx9617 |  |  | Closed | 2024-07-26 12:16 | 2024-07-31 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/30/2024 <br> Ready for Review-Document Uploaded. - Seller-07/30/2024 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Request to provide VOE dated within 10 days of the note as required per XXXX GLs - Due Diligence Vendor-07/26/2024 | Ready for Review-Document Uploaded. - Seller-07/30/2024<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/30/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2066702 | N/A | N/A |
| XXXX | xxxxxx9617 |  |  | Closed | 2024-07-23 04:08 | 2024-07-24 16:16 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - PCCD reflecting the correct Disbursement Date and Per Diem Date provided. PC XXXX is passing. - Due Diligence Vendor-07/24/2024 <br> Ready for Review-Document Uploaded. - Seller-07/24/2024 <br> Open-The loan disbursement date XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX and Official Staff Commentary) This loan failed the TILA right of rescission test. because the per the ROR dated XXXX the cancellation date isXXXX and the disbursement date per final CD isXXXX. The funding date is before the third business day following consummation. Borrower did not get the full recession period. Request to provide a PCCD reflecting the correct Disbursement Date and Per Diem Date. - Due Diligence Vendor-07/23/2024 | Ready for Review-Document Uploaded. - Seller-07/24/2024<br>| Resolved-Resolved - PCCD reflecting the correct Disbursement Date and Per Diem Date provided. PC XXXX is passing. - Due Diligence Vendor-07/24/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2036670 | N/A | N/A |
| XXXX | xxxxxx9665 |  |  | Closed | 2024-07-28 22:10 | 2024-07-31 14:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 139 An interior and exterior appraisal was completed for this property – see pg#18. Right to receive Appraisal Disclosure see page #403,1 402, and confirmation the appraisal was delivered to the borrower – see Pg#' 16,17. The loan meets HPML guidelines pg#294 - Due Diligence Vendor-07/31/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 139 An interior and exterior appraisal was completed for this property – see pg#18. Right to receive Appraisal Disclosure see page #403,1 402, and confirmation the appraisal was delivered to the borrower – see Pg#' 16,17. The loan meets HPML guidelines pg#294 - Due Diligence Vendor-07/29/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 139 An interior and exterior appraisal was completed for this property – see pg#18. Right to receive Appraisal Disclosure see page #403,1 402, and confirmation the appraisal was delivered to the borrower – see Pg#' 16,17. The loan meets HPML guidelines pg#294 - Due Diligence Vendor-07/31/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 139 An interior and exterior appraisal was completed for this property – see pg#18. Right to receive Appraisal Disclosure see page #403,1 402, and confirmation the appraisal was delivered to the borrower – see Pg#' 16,17. The loan meets HPML guidelines pg#294 - Due Diligence Vendor-07/29/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2072770 | N/A | N/A |
| XXXX | xxxxxx9665 |  |  | Closed | 2024-07-28 22:10 | 2024-07-31 14:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 139 An interior and exterior appraisal was completed for this property – see pg#18, Right to receive Appraisal Disclosure see page #403,1 402, and confirmation the appraisal was delivered to the borrower – see Pg#' 16,17. The loan meets HPML guidelines pg#294 - Due Diligence Vendor-07/31/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 139 An interior and exterior appraisal was completed for this property – see pg#18, Right to receive Appraisal Disclosure see page #403,1 402, and confirmation the appraisal was delivered to the borrower – see Pg#' 16,17. The loan meets HPML guidelines pg#294 - Due Diligence Vendor-07/29/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 139 An interior and exterior appraisal was completed for this property – see pg#18, Right to receive Appraisal Disclosure see page #403,1 402, and confirmation the appraisal was delivered to the borrower – see Pg#' 16,17. The loan meets HPML guidelines pg#294 - Due Diligence Vendor-07/31/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 139 An interior and exterior appraisal was completed for this property – see pg#18, Right to receive Appraisal Disclosure see page #403,1 402, and confirmation the appraisal was delivered to the borrower – see Pg#' 16,17. The loan meets HPML guidelines pg#294 - Due Diligence Vendor-07/29/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2072769 | N/A | N/A |
| XXXX | xxxxxx1032 |  |  | Closed | 2024-07-30 15:22 | 2024-08-01 11:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/01/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-07/31/2024 <br> Open-Income on final 1003 referenced as $XXXX while 1008 and income calculation worksheet show income of $XXXX. Need to obtain a corrected 1003. - Due Diligence Vendor-07/30/2024 | Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-07/31/2024<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-08/01/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2090021 | N/A | N/A |
| XXXX | xxxxxx8182 |  |  | Closed | 2024-07-30 02:07 | 2024-08-05 13:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX% - Due Diligence Vendor-08/05/2024 <br> Resolved-Updated GAP credit reports received. DTI revised to XXXX which is under Max DTI of XXXX%. - Due Diligence Vendor-08/01/2024 <br> Open-Audited DTI of XXXX% exceeds Guideline DTI of XXXX% Updated all tradelines as per GAP credit report which is dated after closing date, as multiple changes in Liabilities, which leads to exceed DTI guidelines limit. Hence required clarification on the same - Due Diligence Vendor-07/30/2024 |  | Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX% - Due Diligence Vendor-08/05/2024 <br> Resolved-Updated GAP credit reports received. DTI revised to XXXX which is under Max DTI of XXXX%. - Due Diligence Vendor-08/01/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2082634 | N/A | N/A |
| XXXX | xxxxxx8182 |  |  | Closed | 2024-07-31 09:12 | 2024-08-01 10:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/01/2024 <br> Ready for Review-Document Uploaded. Please see the corrected 1003 attached. - Seller-07/31/2024 <br> Open-Length of time in current jobs for both B1 & B2 is greater than years in industry. - Due Diligence Vendor-07/31/2024 | Ready for Review-Document Uploaded. Please see the corrected 1003 attached. - Seller-07/31/2024<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-08/01/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2094586 | N/A | N/A |
| XXXX | xxxxxx8182 |  |  | Closed | 2024-07-30 02:11 | 2024-08-01 01:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-GAP Credit Report dated XXXX, 10 days prior to note date asper GL requirement uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/01/2024 <br> Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-08/01/2024 <br> Ready for Review-Document Uploaded. Please disregard the Gap Credit Report dated XXXX - it was inadvertently uploaded in error. Please see the attached correct GAP Credit Report dated XXXX. - Seller-07/31/2024 <br> Open-Borrower 2 Gap Credit Report is Missing GAP Credit report om pg#107 is dated on XXXX, which is after closing date, hence required updated GAP report which is not more than 10 days prior to note date. - Due Diligence Vendor-07/30/2024 | Ready for Review-Document Uploaded. Please disregard the Gap Credit Report datedXXXX - it was inadvertently uploaded in error. Please see the attached correct GAP Credit Report dated XXXX. - Seller-07/31/2024 | Resolved-GAP Credit Report dated XXXX, 10 days prior to note date asper GL requirement uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/01/2024 <br> Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-08/01/2024 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2082649 | N/A | N/A |
| XXXX | xxxxxx8182 |  |  | Closed | 2024-07-30 02:11 | 2024-08-01 01:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-GAP Credit Report dated XXXX, 10 days prior to note date asper GL requirement uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/01/2024 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/01/2024 <br> Ready for Review-Document Uploaded. Please disregard the Gap Credit Report dated XXXX - it was inadvertently uploaded in error. Please see the attached correct GAP Credit Report dated XXXX. - Seller-07/31/2024 <br> Open-Borrower 1 Gap Credit Report is Missing GAP Credit report on pg#107 is dated on XXXX, which is after closing date, hence required updated GAP report which is not more than 10 days prior to note date. - Due Diligence Vendor-07/30/2024 | Ready for Review-Document Uploaded. Please disregard the Gap Credit Report datedXXXX - it was inadvertently uploaded in error. Please see the attached correct GAP Credit Report dated XXXX. - Seller-07/31/2024 | Resolved-GAP Credit Report datedXXXX, 10 days prior to note date asper GL requirement uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/01/2024 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/01/2024 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2082648 | N/A | N/A |
| XXXX | xxxxxx8182 |  |  | Closed | 2024-07-30 07:44 | 2024-08-05 13:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX. The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#23. ECOA Appraisal Disclosure page 250 and confirmation the appraisal was delivered to the borrower – see Pg#'s 102. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-08/05/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#23. ECOA Appraisal Disclosure page 250 and confirmation the appraisal was delivered to the borrower – see Pg#'s 102. The loan meets HPML guidelines. Resolved. <br> - Due Diligence Vendor-07/30/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#23. ECOA Appraisal Disclosure page 250 and confirmation the appraisal was delivered to the borrower – see Pg#'s 102. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-08/05/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#23. ECOA Appraisal Disclosure page 250 and confirmation the appraisal was delivered to the borrower – see Pg#'s 102. The loan meets HPML guidelines. Resolved. <br> - Due Diligence Vendor-07/30/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2084388 | N/A | N/A |
| XXXX | xxxxxx8182 |  |  | Closed | 2024-07-30 07:44 | 2024-08-05 13:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXXi)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#23, ECOA Appraisal Disclosure page 250 and confirmation the appraisal was delivered to the borrower – see Pg#'s 102. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-08/05/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#23, ECOA Appraisal Disclosure page 250 and confirmation the appraisal was delivered to the borrower – see Pg#'s 102. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-07/30/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#23, ECOA Appraisal Disclosure page 250 and confirmation the appraisal was delivered to the borrower – see Pg#'s 102. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-08/05/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#23, ECOA Appraisal Disclosure page 250 and confirmation the appraisal was delivered to the borrower – see Pg#'s 102. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-07/30/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2084387 | N/A | N/A |
| XXXX | xxxxxx8080 |  |  | Closed | 2024-07-30 23:20 | 2024-08-02 05:59 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-Document uploaded completed. Resolved. - Due Diligence Vendor-08/02/2024 <br> Ready for Review-uploaded - Seller-08/01/2024 <br> Open-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is not Escrowing as it is Second Lien Loan. <br> Final Closing disclosure on Pg#74<br> Rate lock doc on pg-72, 228.<br> An interior and exterior appraisal was completed for this property on pg-26. <br> A copy of the appraisal was given to the borrower on pgs-275, 276 (but not checked any box in application).<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 21, 22.<br>Provide Right to Receive a Copy of Written Appraisal Report is missing with selection of whether borrower wish to receive a copy or wish to waive. Request to provide updated one.<br>- Due Diligence Vendor-07/31/2024 | Ready for Review-uploaded - Seller-08/01/2024<br>| Resolved-Document uploaded completed. Resolved. - Due Diligence Vendor-08/02/2024<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2090708 | N/A | N/A |
| XXXX | xxxxxx8080 |  |  | Closed | 2024-07-30 23:20 | 2024-08-02 05:59 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-Document uploaded completed. Resolved. - Due Diligence Vendor-08/02/2024 <br> Ready for Review-Document Uploaded. - Seller-08/01/2024 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is not Escrowing as it is Second Lien Loan. <br> Final Closing disclosure on Pg#74<br> Rate lock doc on pg-72, 228.<br> An interior and exterior appraisal was completed for this property on pg-26. <br> A copy of the appraisal was given to the borrower on pgs-275, 276 (but not checked any box in application).<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 21, 22.<br>Provide Right to Receive a Copy of Written Appraisal Report is missing with selection of whether borrower wish to receive a copy or wish to waive. Request to provide updated one.<br> - Due Diligence Vendor-07/31/2024 | Ready for Review-Document Uploaded. - Seller-08/01/2024<br>| Resolved-Document uploaded completed. Resolved. - Due Diligence Vendor-08/02/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2090707 | N/A | N/A |
| XXXX | xxxxxx0874 |  |  | Closed | 2024-08-01 01:10 | 2024-08-05 03:00 | Resolved | 1 - Information C A | Credit | Credit | Occupancy does not meet eligibility requirement(s) | Resolved-Updated Lender Loan Approval Form uploaded with corrected program information show Loan Program as Standard, verified & entered in system - Resolved. - Due Diligence Vendor-08/05/2024 <br> Resolved- - Due Diligence Vendor-08/05/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, please see corrected program information show Loan Program as Standard. - Seller-08/03/2024 <br> Open-Subject Occupancy status is an Invesment, which is not allowable for Loan program Standalone Select Full Doc. Required Exception letter and Clarification to use guideline instructions. However, we have used LTV values from Standard Full Doc. - Due Diligence Vendor-08/01/2024 | Ready for Review-Document Uploaded. Hi Tenant, please see corrected program information show Loan Program as Standard. - Seller-08/03/2024<br>| Resolved-Updated Lender Loan Approval Form uploaded with corrected program information show Loan Program as Standard, verified & entered in system - Resolved. - Due Diligence Vendor-08/05/2024<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 2099815 | N/A | N/A |
| XXXX | xxxxxx0874 |  |  | Closed | 2024-07-31 23:57 | 2024-08-05 02:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Subject is a cash out loan, no assets is needed. Asset has been removed from 1003, verified & entered in system - Resolved. - Due Diligence Vendor-08/05/2024 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-08/05/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, this is a cash out. No assets is needed. Asset has been removed. - Seller-08/03/2024 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Required most recent account statement to cover 60 days period, as XXXX bank statement on pg#68 withXXXX is covering only 30 days of period, which is not meeting G/L Requirements. - Due Diligence Vendor-08/01/2024 | Ready for Review-Document Uploaded. Hi Tenant, this is a cash out. No assets is needed. Asset has been removed. - Seller-08/03/2024<br>| Resolved-Subject is a cash out loan, no assets is needed. Asset has been removed from 1003, verified & entered in system - Resolved. - Due Diligence Vendor-08/05/2024 <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-08/05/2024<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 2099711 | N/A | N/A |
| XXXX | xxxxxx7105 |  |  | Closed | 2024-08-09 06:38 | 2024-08-09 06:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 146 An interior and exterior appraisal was completed for this property – see pg#25, ECOA Appraisal Disclosure pg#22-24, 421, 422 OR the LE's page as the page#303. The loan meets HPML guidelines pg#298 - Due Diligence Vendor-08/09/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 146 An interior and exterior appraisal was completed for this property – see pg#25, ECOA Appraisal Disclosure pg#22-24, 421, 422 OR the LE's page as the page#303. The loan meets HPML guidelines pg#298 - Due Diligence Vendor-08/09/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2154290 | N/A | N/A |
| XXXX | xxxxxx7105 |  |  | Closed | 2024-08-09 06:38 | 2024-08-09 06:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 146 An interior and exterior appraisal was completed for this property – see pg#25, ECOA Appraisal Disclosure pg#22-24, 421, 422 OR the LE's page as the page#303. The loan meets HPML guidelines pg#298 - Due Diligence Vendor-08/09/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 146 An interior and exterior appraisal was completed for this property – see pg#25, ECOA Appraisal Disclosure pg#22-24, 421, 422 OR the LE's page as the page#303. The loan meets HPML guidelines pg#298 - Due Diligence Vendor-08/09/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2154291 | N/A | N/A |
| XXXX | xxxxxx8194 |  |  | Closed | 2024-09-17 05:37 | 2024-10-08 04:32 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Updated Initial 1003 uploaded, verified & entered in System - Resolved. <br>- Due Diligence Vendor-10/08/2024 <br> Ready for Review-Document Uploaded. - Seller-10/08/2024 <br> Open-Loan Originator not signed on initial 1003 - Due Diligence Vendor-09/17/2024 | Ready for Review-Document Uploaded. - Seller-10/08/2024<br>| Resolved-Updated Initial 1003 uploaded, verified & entered in System - Resolved. <br>- Due Diligence Vendor-10/08/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2387087 | N/A | N/A |
| XXXX | xxxxxx8194 |  |  | Closed | 2024-09-17 05:17 | 2024-09-17 05:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) .This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 66, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 59. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 231 and confirmation the appraisal was delivered to the borrower – see Pg#'87. The loan meets HPML guidelines - Due Diligence Vendor-09/17/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) .This loan failed the higher-priced mortgage loan test. XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 66, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 59. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 231 and confirmation the appraisal was delivered to the borrower – see Pg#'87. The loan meets HPML guidelines - Due Diligence Vendor-09/17/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2386977 | N/A | N/A |
| XXXX | xxxxxx8194 |  |  | Closed | 2024-09-17 05:17 | 2024-09-17 05:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 66, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 59. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 231 and confirmation the appraisal was delivered to the borrower – see Pg#'87. The loan meets HPML guidelines - Due Diligence Vendor-09/17/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 66, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 59. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 231 and confirmation the appraisal was delivered to the borrower – see Pg#'87. The loan meets HPML guidelines - Due Diligence Vendor-09/17/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2386975 | N/A | N/A |
| XXXX | xxxxxx7560 |  |  | Closed | 2024-09-23 01:40 | 2024-09-25 13:59 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Post Close CD updated to review. - Due Diligence Vendor-09/25/2024 <br> Ready for Review-Hi Tenant, it was at Section H and you said it was at the wrong section. Please advise what section you want me to put it? This is not payable to title. It's payable to the XXXX (XXXX). - Seller-09/24/2024 <br> Counter-The Subordination fee of $XXXX listed in Payoffs and Payments on the attached PCCD is in the wrong location. Requesting an updated PCCD with the Subordination fee moved to another section of the document. - Due Diligence Vendor-09/24/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-09/23/2024 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (XXXX PCCD; Subordination fee of $375 added in H section resulting in Finance charge tolerances fail. Requesting updated PCCD. - Due Diligence Vendor-09/23/2024 | Ready for Review-Hi Tenant, it was at Section H and you said it was at the wrong section. Please advise what section you want me to put it? This is not payable to title. It's payable to the XXXX (Dividend Finance). - Seller-09/24/2024 <br>Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-09/23/2024<br>| Resolved-Post Close CD updated to review. - Due Diligence Vendor-09/25/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2432282 | N/A | N/A |
| XXXX | xxxxxx7560 |  |  | Closed | 2024-09-23 01:40 | 2024-09-25 13:59 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Post Close CD updated to review. - Due Diligence Vendor-09/25/2024 <br> Ready for Review-Hi Tenant, it was at Section H and you said it was at the wrong section. Please advise what section you want me to put it? This is not payable to title. It's payable to the XXXX (XXXX). - Seller-09/24/2024 <br> Counter-The Subordination fee of $XXXX listed in Payoffs and Payments on the attached PCCD is in the wrong location. Requesting an updated PCCD with the Subordination fee moved to another section of the document. - Due Diligence Vendor-09/24/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-09/23/2024 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (XXXX) PCCD; Subordination fee of $XXXX added in H section resulting in Finance charge tolerances fail. Requesting updated PCCD. - Due Diligence Vendor-09/23/2024 | Ready for Review-Hi Tenant, it was at Section H and you said it was at the wrong section. Please advise what section you want me to put it? This is not payable to title. It's payable to the XXXX (Dividend Finance). - Seller-09/24/2024 <br>Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-09/23/2024<br>| Resolved-Post Close CD updated to review. - Due Diligence Vendor-09/25/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2432283 | N/A | N/A |
| XXXX | xxxxxx7560 |  |  | Closed | 2024-09-23 10:01 | 2024-09-24 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-Subordination Agreement is Present - Due Diligence Vendor-09/24/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-09/23/2024 <br> Open-The subject property has XXXX which the financing reflects on the Title Reports and there is a Subornation fee on the PCCD. Requesting to provide the missing Subornation Agreement as per guidelines dated XXXX PDF Page 35 of 37. - Due Diligence Vendor-09/23/2024 | Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-09/23/2024<br>| Resolved-Subordination Agreement is Present - Due Diligence Vendor-09/24/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2436021 | N/A | N/A |
| XXXX | xxxxxx7560 |  |  | Closed | 2024-09-23 01:40 | 2024-09-25 13:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 210, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 209. An interior and exterior appraisal was completed for this property – see pg 13, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 775,776 and confirmation the appraisal was delivered to the borrower – see Pg#'233. The loan meets HPML guidelines<br> - Due Diligence Vendor-09/25/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 210, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 209. An interior and exterior appraisal was completed for this property – see pg 13, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 775,776 and confirmation the appraisal was delivered to the borrower – see Pg#'233. The loan meets HPML guidelines - Due Diligence Vendor-09/23/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 210, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 209. An interior and exterior appraisal was completed for this property – see pg 13, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 775,776 and confirmation the appraisal was delivered to the borrower – see Pg#'233. The loan meets HPML guidelines<br> - Due Diligence Vendor-09/25/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 210, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 209. An interior and exterior appraisal was completed for this property – see pg 13, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 775,776 and confirmation the appraisal was delivered to the borrower – see Pg#'233. The loan meets HPML guidelines - Due Diligence Vendor-09/23/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2432267 | N/A | N/A |
| XXXX | xxxxxx7560 |  |  | Closed | 2024-09-23 01:40 | 2024-09-25 13:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 210, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 209. An interior and exterior appraisal was completed for this property – see pg 13, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 775,776 and confirmation the appraisal was delivered to the borrower – see Pg#'233. The loan meets HPML guidelines<br> - Due Diligence Vendor-09/25/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXXThis loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 210, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 209. An interior and exterior appraisal was completed for this property – see pg 13, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 775,776 and confirmation the appraisal was delivered to the borrower – see Pg#'233. The loan meets HPML guidelines - Due Diligence Vendor-09/23/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX); XXXX) This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 210, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 209. An interior and exterior appraisal was completed for this property – see pg 13, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 775,776 and confirmation the appraisal was delivered to the borrower – see Pg#'233. The loan meets HPML guidelines<br> - Due Diligence Vendor-09/25/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 210, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 209. An interior and exterior appraisal was completed for this property – see pg 13, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 775,776 and confirmation the appraisal was delivered to the borrower – see Pg#'233. The loan meets HPML guidelines - Due Diligence Vendor-09/23/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2432268 | N/A | N/A |
| XXXX | xxxxxx8195 |  |  | Closed | 2024-10-02 14:55 | 2024-10-10 14:13 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-Post Close CD updated to review. Resolved. - Due Diligence Vendor-10/10/2024 <br> Ready for Review-Document Uploaded. - Seller-10/08/2024 <br> Open-The PCCD has a Lender Credit for $XXXX. Requesting updated Final CD and Post Close CD reflecting the Lender Credit in the field for Lender Credits. - Due Diligence Vendor-10/02/2024 | Ready for Review-Document Uploaded. - Seller-10/08/2024<br>| Resolved-Post Close CD updated to review. Resolved. - Due Diligence Vendor-10/10/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2510127 | N/A | N/A |
| XXXX | xxxxxx8195 |  |  | Closed | 2024-10-02 14:55 | 2024-10-10 11:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Post Close CD updated to review. - Due Diligence Vendor-10/10/2024 <br> Ready for Review-Document Uploaded. - Seller-10/08/2024 <br> Open-TRID: Missing Closing Disclosure The Final CD has a Lender Credit for $XXXX in the wrong section. Requesting updated Final CD and Post Close CD reflecting the Lender Credit in the field for Lender Credits. - Due Diligence Vendor-10/02/2024 | Ready for Review-Document Uploaded. - Seller-10/08/2024<br>| Resolved-Post Close CD updated to review. - Due Diligence Vendor-10/10/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2510123 | N/A | N/A |
| XXXX | xxxxxx8195 |  |  | Closed | 2024-09-20 01:32 | 2024-10-02 14:45 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-10/02/2024 <br> Ready for Review-Document Uploaded. - Seller-09/30/2024 <br> Counter-The right to cancel and disbursement date is the same XXXX. For TRID loans, the Disbursement date cannot be the same as the Right to Cancel date. Requesting to provide updated disbursement date. - Due Diligence Vendor-09/26/2024 <br> Ready for Review-its CA loan. - Seller-09/25/2024 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX) and Official Staff Commentary) Right to cancel and disbursement date is Same XXXX. Confirm the dates of right to cancel and final CD disbursement and provide required documentation to support the information for the issue date and disbursement date being same. - Due Diligence Vendor-09/20/2024 | Ready for Review-Document Uploaded. - Seller-09/30/2024 <br>Ready for Review-its CA loan. - Seller-09/25/2024<br>| Resolved-Resolved - Due Diligence Vendor-10/02/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2415117 | N/A | N/A |
| XXXX | xxxxxx8195 |  |  | Closed | 2024-09-20 14:25 | 2024-10-02 14:31 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Matrix date uploaded, resolved. - Due Diligence Vendor-10/02/2024 <br> Ready for Review-Document Uploaded. - Seller-10/02/2024 <br> Ready for Review-Second matrix date is XXXX. That is the date used for second on loan approval. - Seller-10/02/2024 <br> Open-The Lender Approval form shows the matrix date as a 1st lien Matrix date of XXXX. Requesting to provide an updated Lender Approval with Matrix Date for 2nd lien. - Due Diligence Vendor-09/20/2024 | Ready for Review-Document Uploaded. - Seller-10/02/2024 <br> Ready for Review-Second matrix date is XXXX. That is the date used for second on loan approval. - Seller-10/02/2024 | Resolved-Updated Matrix date uploaded, resolved. - Due Diligence Vendor-10/02/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2421528 | N/A | N/A |
| XXXX | xxxxxx8195 |  |  | Closed | 2024-09-20 13:59 | 2024-09-27 08:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is complete. - Due Diligence Vendor-09/27/2024 <br> Ready for Review-grant deed on page 179 of loan package - Seller-09/26/2024 <br> Open-The Deed of Trust is Missing The Deed of Trust is missing signatures from additional title holders. As per 1st lien Note in file PDF page 348 and Property Transfer document PDF page 315, there are additional borrowers to sign subject Deed of Trust. Requesting to provide updated signed Deed of Trust by all borrowers. - Due Diligence Vendor-09/20/2024 | Ready for Review-grant deed on page 179 of loan package - Seller-09/26/2024<br>| Resolved-The Deed of Trust is complete. - Due Diligence Vendor-09/27/2024<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2421337 | N/A | N/A |
| XXXX | xxxxxx8195 |  |  | Closed | 2024-09-20 13:55 | 2024-09-27 08:19 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-09/27/2024 <br>Ready for Review-grant deed in loan package page 179 - Seller-09/26/2024 <br>Open-The Note is Not Executed As per 1st lien Note in file PDF page 348 and Property Transfer document PDF page 315, there are additional borrowers to sign subject Note. Requesting to provide updated signed Note by all borrowers. - Due Diligence Vendor-09/20/2024 | Ready for Review-grant deed in loan package page 179 - Seller-09/26/2024<br>| Resolved-The Note is Executed - Due Diligence Vendor-09/27/2024<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2421300 | N/A | N/A |
| XXXX | xxxxxx7955 |  |  | Closed | 2024-09-24 11:06 | 2024-10-03 13:59 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Matrix date. - Due Diligence Vendor-10/03/2024 <br> Ready for Review-email sent to management - Seller-10/02/2024 <br> Counter-On the attached Lender Approval, the Matrix Date in the Second Lien Matrix Version Date field of XXXX is for a 1st lien loan. Requesting to provide a Lender Approval with an updated Matrix date for the 2nd lien. - Due Diligence Vendor-10/01/2024 <br> Ready for Review-Document Uploaded. - Seller-09/27/2024 <br> Open-The Lender Approval form in file has a 1st lien Matrix date of XXXX. Requesting to provide a Lender Approval with an updated Matrix date for the 2nd lien. - Due Diligence Vendor-09/24/2024 | Ready for Review-email sent to management - Seller-10/02/2024 <br>Ready for Review-Document Uploaded. - Seller-09/27/2024<br>| Resolved-Updated Matrix date. - Due Diligence Vendor-10/03/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2445811 | N/A | N/A |
| XXXX | xxxxxx7955 |  |  | Closed | 2024-09-24 02:21 | 2024-09-24 11:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 159, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 156. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 324 and confirmation the appraisal was delivered to the borrower – see Pg#'19,20. The loan meets HPML guidelines - Due Diligence Vendor-09/24/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 159, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 156. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 324 and confirmation the appraisal was delivered to the borrower – see Pg#'19,20. The loan meets HPML guidelines - Due Diligence Vendor-09/24/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2441650 | N/A | N/A |
| XXXX | xxxxxx7955 |  |  | Closed | 2024-09-24 02:21 | 2024-09-24 11:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 159, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 156. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 324 and confirmation the appraisal was delivered to the borrower – see Pg#'19,20. The loan meets HPML guidelines - Due Diligence Vendor-09/24/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 159, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 156. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 324 and confirmation the appraisal was delivered to the borrower – see Pg#'19,20. The loan meets HPML guidelines - Due Diligence Vendor-09/24/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2441649 | N/A | N/A |
| XXXX | xxxxxx9292 |  |  | Closed | 2024-09-23 22:54 | 2024-09-24 10:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 201 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#16,344. The loan meets HPML pg#335 guidelines, resolved. - Due Diligence Vendor-09/24/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 201 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#16,344. The loan meets HPML pg#335 guidelines, resolved. - Due Diligence Vendor-09/24/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2441233 | N/A | N/A |
| XXXX | xxxxxx9292 |  |  | Closed | 2024-09-23 22:54 | 2024-09-24 10:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 201 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#16,344. The loan meets HPML pg#335 guidelines, resolved. - Due Diligence Vendor-09/24/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (10.493%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 201 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#16,344. The loan meets HPML pg#335 guidelines, resolved. - Due Diligence Vendor-09/24/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2441234 | N/A | N/A |
| XXXX | xxxxxx6425 |  |  | Closed | 2024-09-25 04:33 | 2024-09-27 07:24 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received, XXXX run and passing. Resolved. - Due Diligence Vendor-09/27/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, please see attached PCCD. Loan did not funding until 9/18. - Seller-09/26/2024 <br> Open-The loan disbursement date XXXX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX. Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX) and Official Staff Commentary) Requesting for clarification of Right to Cancel documentation. The provided doc indicates a start date of XXXX with an expiration date ofXXXX. However, the Notary date isXXXX, closing date is XXXX and disbursement date is XXXX per final CD. Please furnish a PCCD. - Due Diligence Vendor-09/25/2024 | Ready for Review-Document Uploaded. Hi Tenant, please see attached PCCD. Loan did not funding until 9/18. - Seller-09/26/2024<br>| Resolved-PCCD received, XXXX run and passing. Resolved. - Due Diligence Vendor-09/27/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2450704 | N/A | N/A |
| XXXX | xxxxxx6425 |  |  | Closed | 2024-09-25 05:36 | 2024-09-27 07:22 | Resolved | 1 - Information B A | Compliance | Compliance | TRID CD disclosure violation; missing partial payment policy information on Closing Disclosure. | Resolved-PCCD received with partial payments being does not. - Due Diligence Vendor-09/27/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-09/26/2024 <br> Open-Partial Payments information is missing on Final Closing Disclosure. - Due Diligence Vendor-09/25/2024 | Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-09/26/2024<br>| Resolved-PCCD received with partial payments being does not. - Due Diligence Vendor-09/27/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2451027 | N/A | N/A |
| XXXX | xxxxxx6425 |  |  | Closed | 2024-09-25 04:33 | 2024-09-25 08:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 69, An interior and exterior appraisal was completed for this property – see pg#22, ECOA Appraisal Disclosure pg#289 OR the LE's as the page#223 and confirmation the appraisal was delivered to the borrower – see Pg#'s 179. The loan meets HPML guidelines. - Due Diligence Vendor-09/25/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 69, An interior and exterior appraisal was completed for this property – see pg#22, ECOA Appraisal Disclosure pg#289 OR the LE's as the page#223 and confirmation the appraisal was delivered to the borrower – see Pg#'s 179. The loan meets HPML guidelines. - Due Diligence Vendor-09/25/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2450702 | N/A | N/A |
| XXXX | xxxxxx6425 |  |  | Closed | 2024-09-25 04:33 | 2024-09-25 04:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 69, An interior and exterior appraisal was completed for this property – see pg#22, ECOA Appraisal Disclosure pg#289 OR the LE's as the page#223 and confirmation the appraisal was delivered to the borrower – see Pg#'s 21, 179. The loan meets HPML guidelines. - Due Diligence Vendor-09/25/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 69, An interior and exterior appraisal was completed for this property – see pg#22, ECOA Appraisal Disclosure pg#289 OR the LE's as the page#223 and confirmation the appraisal was delivered to the borrower – see Pg#'s 21, 179. The loan meets HPML guidelines. - Due Diligence Vendor-09/25/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2450703 | N/A | N/A |
| XXXX | xxxxxx5029 |  |  | Closed | 2024-10-01 03:01 | 2024-10-01 03:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXXThis loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 146 An interior and exterior appraisal was completed for this property – see pg#439, 440, ECOA Appraisal Disclosure OR the LE's page as the page#302 and confirmation the appraisal was delivered to the borrower – see Pg#'s 308, 309, 143, 144, 181. The loan meets HPML guidelines. - Due Diligence Vendor-10/01/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 146 An interior and exterior appraisal was completed for this property – see pg#439, 440, ECOA Appraisal Disclosure OR the LE's page as the page#302 and confirmation the appraisal was delivered to the borrower – see Pg#'s 308, 309, 143, 144, 181. The loan meets HPML guidelines. - Due Diligence Vendor-10/01/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2492009 | N/A | N/A |
| XXXX | xxxxxx5029 |  |  | Closed | 2024-10-01 03:01 | 2024-10-01 03:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 146 An interior and exterior appraisal was completed for this property – see pg#439, 440, ECOA Appraisal Disclosure OR the LE's page as the page#302 and confirmation the appraisal was delivered to the borrower – see Pg#'s 308, 309, 143, 144, 181. The loan meets HPML guidelines. - Due Diligence Vendor-10/01/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX); XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 146 An interior and exterior appraisal was completed for this property – see pg#439, 440, ECOA Appraisal Disclosure OR the LE's page as the page#302 and confirmation the appraisal was delivered to the borrower – see Pg#'s 308, 309, 143, 144, 181. The loan meets HPML guidelines. - Due Diligence Vendor-10/01/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2492010 | N/A | N/A |
| XXXX | xxxxxx2871 |  |  | Closed | 2024-09-30 00:39 | 2024-10-01 09:32 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received, XXXX run and passing. - Due Diligence Vendor-10/01/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, please see attached PCCD. Loan did not fund until 9/24/2024. - Seller-09/30/2024 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX) and Official Staff Commentary) Requesting for clarification of Right to Cancel documentation. The provided doc indicates a start date of XXXXwith an expiration date of XXXX. However, the Notary date is XXXXand disbursement date isXXXX which falls, the third business day of following consummation. Please furnish a PCCD. - Due Diligence Vendor-09/30/2024 | Ready for Review-Document Uploaded. Hi Tenant, please see attached PCCD. Loan did not fund until 9/24/2024. - Seller-09/30/2024<br>| Resolved-PCCD received, XXXX run and passing. - Due Diligence Vendor-10/01/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2481825 | N/A | N/A |
| XXXX | xxxxxx2871 |  |  | Closed | 2024-09-30 00:39 | 2024-09-30 07:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 133, An interior and exterior appraisal was completed for this property – see pg#25, 61, ECOA Appraisal Disclosure OR the LE's page as the page#493-496 and confirmation the appraisal was delivered to the borrower – see Pg#'s 59-60. The loan meets HPML guidelines. - Due Diligence Vendor-09/30/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 133, An interior and exterior appraisal was completed for this property – see pg#25, 61, ECOA Appraisal Disclosure OR the LE's page as the page#493-496 and confirmation the appraisal was delivered to the borrower – see Pg#'s 59-60. The loan meets HPML guidelines. - Due Diligence Vendor-09/30/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2481824 | N/A | N/A |
| XXXX | xxxxxx2871 |  |  | Closed | 2024-09-30 00:39 | 2024-09-30 07:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 133, An interior and exterior appraisal was completed for this property – see pg#25, 61, ECOA Appraisal Disclosure OR the LE's page as the page#493-496 and confirmation the appraisal was delivered to the borrower – see Pg#'s 59-60. The loan meets HPML guidelines. - Due Diligence Vendor-09/30/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 133, An interior and exterior appraisal was completed for this property – see pg#25, 61, ECOA Appraisal Disclosure OR the LE's page as the page#493-496 and confirmation the appraisal was delivered to the borrower – see Pg#'s 59-60. The loan meets HPML guidelines. - Due Diligence Vendor-09/30/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2481823 | N/A | N/A |
| XXXX | xxxxxx8250 |  |  | Closed | 2024-10-01 06:15 | 2024-10-17 14:06 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - Due Diligence Vendor-10/17/2024 <br> Ready for Review-Document Uploaded. Please read carefully as it says increase. - Seller-10/15/2024 <br> Counter-The COC attached does not have a reason for change listed and it shows Decrease in DTI, however it appears to be an increase. Requesting an updated Change of Circumstance. - Due Diligence Vendor-10/15/2024 <br> Ready for Review-Document Uploaded. - Seller-10/11/2024 <br> Counter-The COC attached does not have a reason for change listed and it shows Decrease in DTI, however it appears to be an increase. Requesting an updated Change of Circumstance. - Due Diligence Vendor-10/08/2024 <br> Ready for Review-Document Uploaded. - Seller-10/04/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX). Request to provide COC for final CD in which discount points fee got increased from $XXXX (initial CD) to $XXXX. - Due Diligence Vendor-10/01/2024 | Ready for Review-Document Uploaded. Please read carefully as it says increase. - Seller-10/15/2024 <br>Ready for Review-Document Uploaded. - Seller-10/11/2024 <br>Ready for Review-Document Uploaded. - Seller-10/04/2024<br>| Resolved-Resolved - Due Diligence Vendor-10/17/2024<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 2492887 | N/A | N/A |
| XXXX | xxxxxx8250 |  |  | Closed | 2024-10-01 11:20 | 2024-10-15 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-Subordination Agreement is Present - Due Diligence Vendor-10/15/2024 <br> Ready for Review-Document Uploaded. - Seller-10/14/2024 <br> Counter-The PDF Page 281 shows Line 8 of Title report for XXXX is eliminated, however there is not a UCC Termination or Subordination Agreement for that. The lien does not reflect being paid off on the Final CD. Requesting to provide UCC Termination or Subordination Agreement for Dividend lien on Title. - Due Diligence Vendor-10/08/2024 <br> Ready for Review-page 371 of loan package is title supplement. - Seller-10/04/2024 <br> Open-Missing Subordination Agreement The UCC Termination or Subordination Agreement for XXXX Panel Dividend lien on Title is missing. PDF Page 281 shows Line 8 of Title report for XXXX is eliminated, however there is not a UCC Termination or Subordination Agreement for that. The lien does not reflect being paid off on the Final CD. Requesting to provide UCC Termination or Subordination Agreement for Dividend lien on Title. - Due Diligence Vendor-10/01/2024 | Ready for Review-Document Uploaded. - Seller-10/14/2024 <br>Ready for Review-page 371 of loan package is title supplement. - Seller-10/04/2024<br>| Resolved-Subordination Agreement is Present - Due Diligence Vendor-10/15/2024<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 2496916 | N/A | N/A |
| XXXX | xxxxxx8250 |  |  | Closed | 2024-10-02 00:02 | 2024-10-04 07:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/04/2024 <br> Ready for Review-Document Uploaded. - Seller-10/03/2024 <br> Open-The Initial 1003 is Missing Initial 1003 is missing with LO signature on it.<br> - Due Diligence Vendor-10/02/2024 | Ready for Review-Document Uploaded. - Seller-10/03/2024<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/04/2024<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 2501391 | N/A | N/A |
| XXXX | xxxxxx6158 |  |  | Closed | 2024-10-01 00:35 | 2024-10-10 09:20 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Approval attached. Resolved. - Due Diligence Vendor-10/10/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-10/09/2024 <br> Counter-The program should be select, not standard. the doc type is correct. - Due Diligence Vendor-10/09/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, it is mark as Full Docs. (Full Docs - 12 months). - Seller-10/09/2024 <br> Counter-Yes its a primary but the program should be Select full doc and not standard. - Due Diligence Vendor-10/09/2024 <br> Ready for Review-Hi Tenant, this is a Primary Residence, not Investment Property. - Seller-10/07/2024 <br> Open-The provided loan program reflects as NanQ-Standard Full Doc, but as per the matrix, the maximum loan amount qualified is $XXXX, which is less than the loan amount of $XXXX, and 1008 reflects a maximum LTV of XXXX%. These requirements qualify with the Select Full Doc as per the matrix. Provide clarification or updated lender approval. - Due Diligence Vendor-10/01/2024 | Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-10/09/2024 <br>Ready for Review-Document Uploaded. Hi Tenant, it is mark as Full Docs. (Full Docs - 12 months). - Seller-10/09/2024 <br>Ready for Review-Hi Tenant, this is a Primary Residence, not Investment Property. - Seller-10/07/2024<br>| Resolved-Updated Approval attached. Resolved. - Due Diligence Vendor-10/10/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2491545 | N/A | N/A |
| XXXX | xxxxxx6158 |  |  | Closed | 2024-10-01 00:37 | 2024-10-09 07:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/09/2024 <br>Ready for Review-Hi Tenant, the borrower is Self Employed. We have CPA Certification on pages 332 - 334 of our package. We don't need VOE. - Seller-10/07/2024 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing As per the guideline we required Borrower 1 3rd Party VOE, Missing in File - Due Diligence Vendor-10/01/2024 | Ready for Review-Hi Tenant, the borrower is Self Employed. We have CPA Certification on pages 332 - 334 of our package. We don't need VOE. - Seller-10/07/2024<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/09/2024<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2491559 | N/A | N/A |
| XXXX | xxxxxx9478 |  |  | Closed | 2024-10-01 00:16 | 2024-10-15 03:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final 1003 uploaded, verified & entered in System - Resolved. <br> - Due Diligence Vendor-10/15/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-10/15/2024 <br>Ready for Review-Document Uploaded. - Seller-10/14/2024 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-10/01/2024 | Ready for Review-Document Uploaded. - Seller-10/14/2024<br>| Resolved-Final 1003 uploaded, verified & entered in System - Resolved. <br> - Due Diligence Vendor-10/15/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-10/15/2024<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 2491474 | N/A | N/A |
| XXXX | xxxxxx9478 |  |  | Closed | 2024-10-01 01:50 | 2024-10-15 11:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s129 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#279&44, confirmation of appraisal delivered to borrower page #44. The loan meets HPML pg#233 guidelines, resolved. - Due Diligence Vendor-10/15/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXXThe loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s129 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#279&44, The loan meets HPML pg#233 guidelines, resolved. - Due Diligence Vendor-10/01/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(v) The loan's (XXXX) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s129 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#279&44, confirmation of appraisal delivered to borrower page #44. The loan meets HPML pg#233 guidelines, resolved. - Due Diligence Vendor-10/15/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s129 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#279&44, The loan meets HPML pg#233 guidelines, resolved. - Due Diligence Vendor-10/01/2024 |  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 2491807 | N/A | N/A |
| XXXX | xxxxxx2649 |  |  | Closed | 2024-10-04 02:30 | 2024-10-15 11:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved- - Due Diligence Vendor-10/15/2024 <br> Ready for Review-Document Uploaded. - Seller-10/12/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX. The revised LE datedXXXXindicates an appraisal fee of $XXXX. However, the updated LE on XXXX reflects an increased fee of $XXXX. Need COC to address this discrepancy. - Due Diligence Vendor-10/04/2024 | Ready for Review-Document Uploaded. - Seller-10/12/2024<br>| Resolved- - Due Diligence Vendor-10/15/2024<br>| XXXX |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 2523041 | N/A | N/A |
| XXXX | xxxxxx2649 |  |  | Closed | 2024-10-04 02:30 | 2024-10-15 11:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-Loan passes XXXX checks - Due Diligence Vendor-10/15/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXXX threshold of (XXXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#120 An interior and exterior appraisal was completed for this property – see pg#20, ECOA Appraisal Disclosure OR the LE's page as the page#433,339, The loan meets XXXX pg#313 guidelines, resolved. - Due Diligence Vendor-10/04/2024 |  | Resolved-Loan passes XXXXL checks - Due Diligence Vendor-10/15/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXXi)) The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#120 An interior and exterior appraisal was completed for this property – see pg#20, ECOA Appraisal Disclosure OR the LE's page as the page#433,339, The loan meetsXXXX pg#313 guidelines, resolved. - Due Diligence Vendor-10/04/2024 |  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 2523042 | N/A | N/A |
| XXXX | xxxxxx9962 |  |  | Closed | 2024-10-29 23:06 | 2024-10-29 23:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 248, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 245. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s502 and confirmation the appraisal was delivered to the borrower – see Pg#'20. The loan meets XXXXguidelines - Due Diligence Vendor-10/30/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 248, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 245. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s502 and confirmation the appraisal was delivered to the borrower – see Pg#'20. The loan meets XXXXguidelines - Due Diligence Vendor-10/30/2024 |  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 2708792 | N/A | N/A |
| XXXX | xxxxxx2755 |  |  | Closed | 2024-10-24 23:34 | 2024-10-24 23:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds theXXXXthreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#217 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#381, confirmation of appraisal delivered to borrower page #245. The loan meets XXXXpg#335 guidelines, resolved. - Due Diligence Vendor-10/25/2024 |  | Resolved-The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX.(XXXX The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#217 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#381, confirmation of appraisal delivered to borrower page #245. The loan meets XXXXpg#335 guidelines, resolved. - Due Diligence Vendor-10/25/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2678710 | N/A | N/A |
| XXXX | xxxxxx2755 |  |  | Closed | 2024-10-24 23:34 | 2024-10-24 23:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX; XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX The loan's (XXXX%) APR equals or exceeds the XXXX hreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXXL threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#217 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#381, confirmation of appraisal delivered to borrower page #245. The loan meets XXXX pg#335 guidelines, resolved. - Due Diligence Vendor-10/25/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX. The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXXthreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX) APR equals or exceeds the XXXX threshold of XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (10.493%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#217 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#381, confirmation of appraisal delivered to borrower page #245. The loan meets XXXX pg#335 guidelines, resolved. - Due Diligence Vendor-10/25/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2678711 | N/A | N/A |
| XXXX | xxxxxx2530 |  |  | Closed | 2024-10-29 02:26 | 2024-11-20 06:15 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-XXXXLoan Exception Decision uploaded<br>Exception Approved for loan amount and Cash out on a CES loan. Guides state max loan amount and cash out is $XXXX, approved for a loan amount of $XXXX and cash out of over $XXXX approx $XXXXcash out.<br>- Due Diligence Vendor-11/20/2024 <br> Ready for Review-Document Uploaded. - Seller-11/19/2024 <br> Open-Cash Out is not completed according to the guideline requirements As per the final cd pg#372 cash to close (to borrower) $XXXX whereas guideline review allowable max cashout is $XXXX need exception or clarification as borrower is Receiving more than the allowable limit. - Due Diligence Vendor-10/29/2024 | Ready for Review-Document Uploaded. - Seller-11/19/2024<br>| Waived-NON-QM Loan Exception Decision uploaded<br>Exception Approved for loan amount and Cash out on a CES loan. Guides state max loan amount and cash out is $XXXX approved for a loan amount of $XXXX and cash out of over $XXXX approx $XXXX cash out.<br>- Due Diligence Vendor-11/20/2024 | XXXX |  | #1: DTI low - 14.26% - DTI is 14.26%. Maximum allowed per guidelines is 50%.<br> #2: Residual Income good - at least $139,783 a month - Residual Income is $140,104.30<br> #3: CLTV low - 59.895% - CLTV is 59.89%. Maximum allowed per guidelines is 70%.<br>| CA | Primary Residence | Refinance | Cash Out - Other | 2699971 | Originator Post-Close | Yes |
| XXXX | xxxxxx2530 |  |  | Closed | 2024-10-29 04:53 | 2024-11-20 02:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-XXXX oan Exception Decision uploaded<br>Exception Approved for loan amount and Cash out on aXXXX loan. Guides state max loan amount and cash out is $XXXX approved for a loan amount of $XXXX and cash out of over $XXXX, approx $XXXXcash out.<br>- Due Diligence Vendor-11/20/2024 <br> Ready for Review-Document Uploaded. - Seller-11/19/2024 <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX. need exception or clarification as loan amount is $XXXX as per final closing documents. - Due Diligence Vendor-10/29/2024 | Ready for Review-Document Uploaded. - Seller-11/19/2024<br>| Waived-NON-QM Loan Exception Decision uploaded<br>Exception Approved for loan amount and Cash out on a CES loan. Guides state max loan amount and cash out is $XXXX, approved for a loan amount of $XXXX and cash out of over $XXXX approx $XXXXcash out.<br>- Due Diligence Vendor-11/20/2024 | XXXX |  | #1: DTI low - 14.26% - DTI is 14.26%. Maximum allowed per guidelines is 50%.<br> #2: Residual Income good - at least $139783 a month - Residual Income is $140,104.30<br> #3: CLTV low - 59.895% - CLTV is 59.89%. Maximum allowed per guidelines is 70%. | CA | Primary Residence | Refinance | Cash Out - Other | 2700406 | Originator Post-Close | Yes |
| XXXX | xxxxxx6909 |  |  | Closed | 2024-11-03 20:41 | 2024-11-07 02:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Supplemental Report uploaded, verified & entered in System - Resolved. <br> - Due Diligence Vendor-11/07/2024 <br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/07/2024 <br> Ready for Review-Document Uploaded. - Seller-11/06/2024 <br> Open-Property Title Issue Title Issues Present per title page 445 as several judgements and liens are showing. - Due Diligence Vendor-11/04/2024 | Ready for Review-Document Uploaded. - Seller-11/06/2024<br>| Resolved-Supplemental Report uploaded, verified & entered in System - Resolved. <br> - Due Diligence Vendor-11/07/2024 <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/07/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2732858 | N/A | N/A |
| XXXX | xxxxxx6909 |  |  | Closed | 2024-10-30 05:57 | 2024-10-30 06:09 | Waived | 2 - Non-Material B | Credit | Doc Issue | Credit report >90 days old at closing | Waived-Exception Approved to extend date on credit report, approved to extend XXXX days, which is XXXX days. Exception letter is on pg-288. - Due Diligence Vendor-10/30/2024 |  | Waived-Exception Approved to extend date on credit report, approved to extend 5 days, which is 95 days. Exception letter is on pg-288. - Due Diligence Vendor-10/30/2024<br>|  |  | DTI is 47.53%. Maximum allowed per guidelines is 50%.<br> Borrower(s) have 0.54 months Reserves. Minimum required per guidelines is 0 months.<br> Borrower Mortgages History is0x30x28, 0x30x27,0x30x19.  | CA | Primary Residence | Refinance | Cash Out - Other | 2710249 | Originator Pre-Close | No |
| XXXX | xxxxxx6909 |  |  | Closed | 2024-10-30 03:33 | 2024-11-07 08:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX) equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'87 Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#20, ECOA Appraisal Disclosure OR the LE's page as the page#360, 361. confirmation the appraisal was delivered to the borrower – see Pg#'s 16, 17. The loan meets HPML guidelines.<br> - Due Diligence Vendor-11/07/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'87<br> Rate lock date was entered correctly – see Pg#'s 82<br> An interior and exterior appraisal was completed for this property – see pg#20, <br> ECOA Appraisal Disclosure OR the LE's page as the page#360, 361.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 16, 17.<br> The loan meets XXXXguidelines. - Due Diligence Vendor-10/30/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds theXXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'87 Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#20, ECOA Appraisal Disclosure OR the LE's page as the page#360, 361. confirmation the appraisal was delivered to the borrower – see Pg#'s 16, 17. The loan meets HPML guidelines.<br> - Due Diligence Vendor-11/07/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX . The loan's APR of (XXXX%) equals or exceeds theXXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'87<br> Rate lock date was entered correctly – see Pg#'s 82<br> An interior and exterior appraisal was completed for this property – see pg#20, <br> ECOA Appraisal Disclosure OR the LE's page as the page#360, 361.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 16, 17.<br> The loan meets HPML guidelines. - Due Diligence Vendor-10/30/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2709561 | N/A | N/A |
| XXXX | xxxxxx6909 |  |  | Closed | 2024-10-30 03:33 | 2024-11-07 08:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (11.16%) APR equals or exceeds the Federal HPML threshold of (9.86%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'87 Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#20, ECOA Appraisal Disclosure OR the LE's page as the page#360, 361. confirmation the appraisal was delivered to the borrower – see Pg#'s 16, 17. The loan meets HPML guidelines.<br> - Due Diligence Vendor-11/07/2024 <br> Resolved-The loan's (11.16%) APR equals or exceeds the Federal HPML threshold of (9.86%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'87<br> Rate lock date was entered correctly – see Pg#'s 82<br> An interior and exterior appraisal was completed for this property – see pg#20, <br> ECOA Appraisal Disclosure OR the LE's page as the page#360, 361.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 16, 17.<br> The loan meets HPML guidelines. - Due Diligence Vendor-10/30/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'87 Rate lock date was entered correctly – see Pg#'s 82 An interior and exterior appraisal was completed for this property – see pg#20, ECOA Appraisal Disclosure OR the LE's page as the page#360, 361. confirmation the appraisal was delivered to the borrower – see Pg#'s 16, 17. The loan meets XXXX guidelines.<br> - Due Diligence Vendor-11/07/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'87<br> Rate lock date was entered correctly – see Pg#'s 82<br> An interior and exterior appraisal was completed for this property – see pg#20, <br> ECOA Appraisal Disclosure OR the LE's page as the page#360, 361.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 16, 17.<br> The loan meets XXXX guidelines. - Due Diligence Vendor-10/30/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2709560 | N/A | N/A |
| XXXX | xxxxxx2869 |  |  | Closed | 2024-10-31 23:36 | 2024-11-01 02:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXXL threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX)) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX) APR equals or exceeds the XXXX hreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#165 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#400, confirmation of appraisal delivered to borrower page #372. The loan meets XXXX pg#355 guidelines, resolved. - Due Diligence Vendor-11/01/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX %). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX) The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (10.614%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX %) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX The loan's (XXXX) APR equals or exceeds theXXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#165 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#400, confirmation of appraisal delivered to borrower page #372. The loan meets XXXX pg#355 guidelines, resolved. - Due Diligence Vendor-11/01/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2725515 | N/A | N/A |
| XXXX | xxxxxx2869 |  |  | Closed | 2024-10-31 23:36 | 2024-10-31 23:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This is a XXXX Higher-Priced Mortgage Loan (XXXX. The loan's APR of (XXXX%) equals or exceeds the XXXX hreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#165 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#400, confirmation of appraisal delivered to borrower page #372. The loan meets XXXXpg#355 guidelines, resolved. - Due Diligence Vendor-11/01/2024 |  | Resolved-This is aXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX) equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This is a California Higher-Priced Mortgage Loan (XXXX. The loan's APR of (XXXX) equals or exceeds the XXXX threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX The loan's (XXXX) APR equals or exceeds the XXXXthreshold of (XXXX. The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX).(XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#165 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#400, confirmation of appraisal delivered to borrower page #372. The loan meets XXXX pg#355 guidelines, resolved. - Due Diligence Vendor-11/01/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2725517 | N/A | N/A |
| XXXX | xxxxxx2519 |  |  | Closed | 2024-11-04 04:23 | 2024-11-06 06:48 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Loan Program uploaded. - Due Diligence Vendor-11/06/2024 <br>Ready for Review-Document Uploaded. - Seller-11/05/2024 <br>Open-Missing Loan program disclosure - Due Diligence Vendor-11/04/2024 | Ready for Review-Document Uploaded. - Seller-11/05/2024<br>| Resolved-Loan Program uploaded. - Due Diligence Vendor-11/06/2024<br>| XXXX |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 2734021 | N/A | N/A |
| XXXX | xxxxxx2519 |  |  | Closed | 2024-11-04 01:39 | 2024-11-06 02:32 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 Document uploaded, verified & entered in System - Resolved. <br> - Due Diligence Vendor-11/06/2024 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/06/2024 <br>Ready for Review-Document Uploaded. - Seller-11/05/2024 <br>Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-11/04/2024 | Ready for Review-Document Uploaded. - Seller-11/05/2024<br>| Resolved-1008 Document uploaded, verified & entered in System - Resolved. <br> - Due Diligence Vendor-11/06/2024 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/06/2024<br>| XXXX |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 2733581 | N/A | N/A |
| XXXX | xxxxxx2519 |  |  | Closed | 2024-11-04 04:01 | 2024-11-04 04:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX) APR equals or exceeds theXXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 254, Rate lock date was entered correctly – see Pg#'s 251 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#443, 459 and confirmation the appraisal was delivered to the borrower – see Pg#'s411-414. The loan meets HPML guidelines. - Due Diligence Vendor-11/04/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 254, Rate lock date was entered correctly – see Pg#'s 251 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#443, 459 and confirmation the appraisal was delivered to the borrower – see Pg#'s411-414. The loan meets XXXX guidelines. - Due Diligence Vendor-11/04/2024 |  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 2733930 | N/A | N/A |
| XXXX | xxxxxx1023 |  |  | Closed | 2024-11-03 22:48 | 2024-11-03 22:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXXthreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (xXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#62 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#269,268, confirmation of appraisal delivered to borrower page #16,. The loan meets XXXXpg#218 guidelines, resolved. - Due Diligence Vendor-11/04/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (9.82%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX%).(XXXX) The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (9.82%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) APR equals or exceeds the Federal HPML threshold of (9.82%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX %). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#62 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#269,268, confirmation of appraisal delivered to borrower page #16,. The loan meets XXXX pg#218 guidelines, resolved. - Due Diligence Vendor-11/04/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2733117 | N/A | N/A |
| XXXX | xxxxxx1023 |  |  | Closed | 2024-11-03 22:48 | 2024-11-03 22:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXXthreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#62 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#269,268, confirmation of appraisal delivered to borrower page #16,. The loan meetsXXXX pg#218 guidelines, resolved. - Due Diligence Vendor-11/04/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX. The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX The comparable APOR for this loan is (XXXX).(XXXX The loan's (XXXX%) APR equals or exceeds the XXXX threshold of XXXX. The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX The loan's (XXXX) APR equals or exceeds the XXXXthreshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX. The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#62 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the LE's page as the page#269,268, confirmation of appraisal delivered to borrower page #16,. The loan meets XXXXg#218 guidelines, resolved. - Due Diligence Vendor-11/04/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2733118 | N/A | N/A |
| XXXX | xxxxxx8721 |  |  | Closed | 2024-11-04 23:21 | 2024-11-18 01:59 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2024 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/18/2024 <br> Ready for Review-Document Uploaded. - Seller-11/15/2024 <br> Open-The 1008 document is missing from the loan file. Provide updated 1008 with correct P&I as per 1008 #853 P&I is $XXXXwhereas as per Note #XXXXand Final Cd #172 P&I is $XXXX difference of $XXXX leads to HTI differences as per the HTI calculations our calculated HTI is XXXX% but Originator HTI is XXXX%. Variance is 0.43 <br> - Due Diligence Vendor-11/05/2024 | Ready for Review-Document Uploaded. - Seller-11/15/2024<br>| Resolved-Updated 1008 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2024 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/18/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2742042 | N/A | N/A |
| XXXX | xxxxxx8721 |  |  | Closed | 2024-11-04 20:40 | 2024-11-13 02:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/13/2024 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2024 <br> Ready for Review-Document Uploaded. - Seller-11/12/2024 <br> Open-The Final 1003 is Missing Provide updated 1003 for borrower 1 and borrower 2, as the line of work for the business XXXX is XXXX year and start date is XXXX year which is higher than line of work. <br> - Due Diligence Vendor-11/05/2024 | Ready for Review-Document Uploaded. - Seller-11/12/2024<br>| Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/13/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2741725 | N/A | N/A |
| XXXX | xxxxxx8721 |  |  | Closed | 2024-11-04 22:20 | 2024-11-12 00:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/12/2024 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/12/2024 <br> Ready for Review-Document Uploaded. - Seller-11/11/2024 <br> Open-Missing Third Party Fraud Report Provide Third Party Fraud Report as it is missing in file. - Due Diligence Vendor-11/05/2024 | Ready for Review-Document Uploaded. - Seller-11/11/2024<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/12/2024 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/12/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2741885 | N/A | N/A |
| XXXX | xxxxxx8721 |  |  | Closed | 2024-11-04 23:19 | 2024-11-19 11:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXXThis loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#583,170, An interior and exterior appraisal was completed for this property – see pg#33, the appraisal disclosure was provided to the borrower Pg#705,706,707,708 and copy of the appraisal was given to the borrower – see Pg#30, 31. The loan meets XXXX guidelines. Resolved.<br> - Due Diligence Vendor-11/19/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX. The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#583,170, An interior and exterior appraisal was completed for this property – see pg#33, the appraisal disclosure was provided to the borrower Pg#705,706,707,708 and copy of the appraisal was given to the borrower – see Pg#30, 31. The loan meets XXXX guidelines. Resolved. <br> - Due Diligence Vendor-11/05/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXXL). The loan's APR of (XXXX) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#583,170, An interior and exterior appraisal was completed for this property – see pg#33, the appraisal disclosure was provided to the borrower Pg#705,706,707,708 and copy of the appraisal was given to the borrower – see Pg#30, 31. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-11/19/2024 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX) equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %).(XXXXThis loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#583,170, An interior and exterior appraisal was completed for this property – see pg#33, the appraisal disclosure was provided to the borrower Pg#705,706,707,708 and copy of the appraisal was given to the borrower – see Pg#30, 31. The loan meets XXXX guidelines. Resolved. <br> - Due Diligence Vendor-11/05/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2742036 | N/A | N/A |
| XXXX | xxxxxx8721 |  |  | Closed | 2024-11-04 23:19 | 2024-11-19 11:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#583,170, An interior and exterior appraisal was completed for this property – see pg#33, the appraisal disclosure was provided to the borrower Pg#705,706,707,708 and copy of the appraisal was given to the borrower – see Pg#30, 31. The loan meets XXXXguidelines. resolved.<br> - Due Diligence Vendor-11/19/2024 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the XXXXthreshold of XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#583,170, An interior and exterior appraisal was completed for this property – see pg#33, the appraisal disclosure was provided to the borrower Pg#705,706,707,708 and copy of the appraisal was given to the borrower – see Pg#30, 31. The loan meets HPML guidelines. resolved. <br> - Due Diligence Vendor-11/05/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 XXXX) This loan failed the higher-priced mortgage loan test. (XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#583,170, An interior and exterior appraisal was completed for this property – see pg#33, the appraisal disclosure was provided to the borrower Pg#705,706,707,708 and copy of the appraisal was given to the borrower – see Pg#30, 31. The loan meetsXXXX guidelines. resolved.<br> - Due Diligence Vendor-11/19/2024 <br> Resolved-The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#583,170, An interior and exterior appraisal was completed for this property – see pg#33, the appraisal disclosure was provided to the borrower Pg#705,706,707,708 and copy of the appraisal was given to the borrower – see Pg#30, 31. The loan meets XXXX guidelines. resolved. <br> - Due Diligence Vendor-11/05/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2742035 | N/A | N/A |
| XXXX | xxxxxx0576 |  |  | Closed | 2024-11-05 22:34 | 2024-11-05 22:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 118, Rate lock date was entered correctly – see Pg#'s 266 An interior and exterior appraisal was completed for this property – see pg#17, ECOA Appraisal Disclosure OR the LE's page as the page#349 and confirmation the appraisal was delivered to the borrower – see Pg#'s 16. The loan meets XXXX guidelines. - Due Diligence Vendor-11/06/2024 |  | Resolved-The loan's XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 118, Rate lock date was entered correctly – see Pg#'s 266 An interior and exterior appraisal was completed for this property – see pg#17, ECOA Appraisal Disclosure OR the LE's page as the page#349 and confirmation the appraisal was delivered to the borrower – see Pg#'s 16. The loan meets XXXX guidelines. - Due Diligence Vendor-11/06/2024 |  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 2750586 | N/A | N/A |
| XXXX | xxxxxx1982 |  |  | Closed | 2024-11-08 05:27 | 2024-11-13 08:46 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received, XXXX run, passing. - Due Diligence Vendor-11/13/2024 <br> Ready for Review-Document Uploaded. Please see PCCD. Loan did not fund until 11/4 - Seller-11/12/2024 <br> Open-The loan disbursement date (XXXX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX. Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX) and Official Staff Commentary) Requesting for clarification of Right to Cancel documentation. The provided doc on pg#567-570 indicates a start date of XXXX with an expiration date of XXXX. However, the Notary date, Final CD issue Date is 10/28/2024 and disbursement date isXXXX which falls before the third business day following consummation. - Due Diligence Vendor-11/08/2024 | Ready for Review-Document Uploaded. Please see PCCD. Loan did not fund until 11/4 - Seller-11/12/2024<br>| Resolved-PCCD received, XXXX run, passing. - Due Diligence Vendor-11/13/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2769845 | N/A | N/A |
| XXXX | xxxxxx1982 |  |  | Closed | 2024-11-12 05:29 | 2024-11-13 02:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-11/13/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2024 <br>Ready for Review-Document Uploaded. - Seller-11/12/2024 <br>Open-Percentage of ownership of business is not checked for Borrower 2 on Final 1003. <br> - Due Diligence Vendor-11/12/2024 | Ready for Review-Document Uploaded. - Seller-11/12/2024<br>| Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-11/13/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2788588 | N/A | N/A |
| XXXX | xxxxxx1982 |  |  | Closed | 2024-11-07 21:28 | 2024-11-13 02:44 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Updated Final 1003 with Ethnicity marked uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/13/2024 <br>Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-11/13/2024 <br>Ready for Review-Document Uploaded. - Seller-11/12/2024 <br>Open-Borrower 1 Ethnicity Selection is Not Provided Borrower 1 and Borrower 2 Ethnicity Selection is Not Provided - Due Diligence Vendor-11/08/2024 | Ready for Review-Document Uploaded. - Seller-11/12/2024<br>| Resolved-Updated Final 1003 with Ethnicity marked uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/13/2024 <br>Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-11/13/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2768613 | N/A | N/A |
| XXXX | xxxxxx1982 |  |  | Closed | 2024-11-08 05:27 | 2024-11-12 00:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 266, 284, Rate lock date was entered correctly – see Pg#'s 265 An interior and exterior appraisal was completed for this property – see pg#20, ECOA Appraisal Disclosure OR the LE's page as the page#571, 572 and confirmation the appraisal was delivered to the borrower – see Pg#'s 310. The loan meets XXXX guidelines. - Due Diligence Vendor-11/08/2024 |  | Resolved-The loan's XXXX%) APR equals or exceeds the XXXXthreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 266, 284, Rate lock date was entered correctly – see Pg#'s 265 An interior and exterior appraisal was completed for this property – see pg#20, ECOA Appraisal Disclosure OR the LE's page as the page#571, 572 and confirmation the appraisal was delivered to the borrower – see Pg#'s 310. The loan meets XXXX guidelines. - Due Diligence Vendor-11/08/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2769843 | N/A | N/A |
| XXXX | xxxxxx1982 |  |  | Closed | 2024-11-08 05:27 | 2024-11-12 00:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX. The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 266, 284, Rate lock date was entered correctly – see Pg#'s 265 An interior and exterior appraisal was completed for this property – see pg#20, ECOA Appraisal Disclosure OR the LE's page as the page#571, 572 and confirmation the appraisal was delivered to the borrower – see Pg#'s 310. The loan meets XXXXguidelines. - Due Diligence Vendor-11/08/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX. The loan's APR of (XXXX%) equals or exceeds theXXXX threshold of XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 266, 284, Rate lock date was entered correctly – see Pg#'s 265 An interior and exterior appraisal was completed for this property – see pg#20, ECOA Appraisal Disclosure OR the LE's page as the page#571, 572 and confirmation the appraisal was delivered to the borrower – see Pg#'s 310. The loan meets XXXX uidelines. - Due Diligence Vendor-11/08/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2769844 | N/A | N/A |
| XXXX | xxxxxx1592 |  |  | Closed | 2024-11-07 21:29 | 2024-11-22 06:16 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received, XXXX run and passing. - Due Diligence Vendor-11/22/2024 <br> Resolved- - Due Diligence Vendor-11/22/2024 <br> Ready for Review-Document Uploaded. - Seller-11/21/2024 <br> Counter-The disbursement date on the provided Final CD for this transaction is listed as XXXX which cannot predate the Rescission expiration date of XXXX - Due Diligence Vendor-11/15/2024 <br> Ready for Review-Document Uploaded. - Seller-11/14/2024 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXXand Official Staff Commentary) Requesting clarification of Right to Cancel documentation. The provided doc indicates a start date of XXXXwith an expiration date of XXXX. However, the Notary date is XXXX and disbursement date is XXXX which falls after the third business day following consummation.<br> - Due Diligence Vendor-11/08/2024 | Ready for Review-Document Uploaded. - Seller-11/21/2024 <br>Ready for Review-Document Uploaded. - Seller-11/14/2024<br>| Resolved-PCCD received, XXXX run and passing. - Due Diligence Vendor-11/22/2024 <br>Resolved- - Due Diligence Vendor-11/22/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2768617 | N/A | N/A |
| XXXX | xxxxxx5258 |  |  | Closed | 2024-11-10 20:50 | 2024-11-21 05:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-11/21/2024 <br>Resolved-Initial 1003 provided and reviewed. Resolved - Due Diligence Vendor-11/21/2024 <br>Ready for Review-Document Uploaded. - Seller-11/20/2024 <br>Open-The Initial 1003 is Missing Provide updated Initial 1003, as the LO signed is missing for both borrowers - Due Diligence Vendor-11/11/2024 | Ready for Review-Document Uploaded. - Seller-11/20/2024<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-11/21/2024 <br>Resolved-Initial 1003 provided and reviewed. Resolved - Due Diligence Vendor-11/21/2024<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 2778342 | N/A | N/A |
| XXXX | xxxxxx2950 |  |  | Closed | 2024-11-13 20:30 | 2025-09-10 15:47 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/20/2024 <br> Resolved-Updated Final 1003 & 1008 with updated B2 Income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/20/2024 <br> Ready for Review-Document Uploaded. - Seller-11/19/2024 <br> Open-Income 4 Months Income Verified is Missing 1008, 1003 shows B2-income of $XXXX from XXXX whereas unable to verify the same in package & if it is not qualifying please remove $XXXX from 1003 & 1008. - Due Diligence Vendor-11/14/2024 | Ready for Review-Document Uploaded. - Seller-11/19/2024<br>| Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/20/2024 <br>Resolved-Updated Final 1003 & 1008 with updated B2 Income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/20/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2806110 | N/A | N/A |
| XXXX | xxxxxx1975 |  |  | Closed | 2024-11-12 22:48 | 2024-11-20 08:22 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Primary Appraisal | Resolved-Validation Resolved - Due Diligence Vendor-11/20/2024 <br> Resolved-LA $XXXX, on 2nd lien loan only XXXX required with >=.90 Score and FSD <= 10. Per AVM page 3 Confidence score 91 and FSD 0.09. - Due Diligence Vendor-11/19/2024 <br> Ready for Review-Document Uploaded. XXXX in file, file is not XXXX. - Seller-11/16/2024 <br> Open-Primary Value has not been selected Missing Primary Appraisal - Due Diligence Vendor-11/13/2024 | Ready for Review-Document Uploaded. AVM in file, file is not XXXX. - Seller-11/16/2024 | Resolved-Validation Resolved - Due Diligence Vendor-11/20/2024 <br> Resolved-LA $XXXX on 2nd lien loan only XXXX equired with >=.90 Score and FSD <= 10. Per XXXX page 3 Confidence score 91 and FSD 0.09. - Due Diligence Vendor-11/19/2024 | XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 2797201 | N/A | N/A |
| XXXX | xxxxxx7676 |  |  | Closed | 2024-12-27 06:45 | 2025-01-07 09:36 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-Resolved - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. - Seller-01/06/2025 <br> Counter-Can you provide updated PCCD as well. This is the settlement statement. - Due Diligence Vendor-01/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/31/2024 <br> Open-Under the XXXX Civil Code, a Lender may not begin to accrue interest on a loan secured by 1-4 unit dwelling on real property located inXXXX prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (XXXX PCCD in file indicates interest accrued XXXX with a XXXX disbursement listed on the PCCD - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. - Seller-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-12/31/2024<br>| Resolved-Resolved - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3091311 | N/A | N/A |
| XXXX | xxxxxx7676 |  |  | Closed | 2024-12-12 04:04 | 2024-12-27 06:45 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved with Recession - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. - Seller-12/24/2024 <br> Counter-Cannot use Estimated Settlement statement- please provide final if to be used - Due Diligence Vendor-12/20/2024 <br> Ready for Review-Document Uploaded. - Seller-12/17/2024 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXX and Official Staff Commentary) Disbursement date is XXXXas per final cd is earlier than Cancel date XXXXas per Right to cancel page 356 Provide PCCD - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. - Seller-12/24/2024 <br>Ready for Review-Document Uploaded. - Seller-12/17/2024<br>| Resolved-Resolved with Recession - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2989132 | N/A | N/A |
| XXXX | xxxxxx7676 |  |  | Closed | 2024-12-12 02:27 | 2024-12-18 00:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/18/2024 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-12/18/2024 <br> Ready for Review-Document Uploaded. - Seller-12/17/2024 <br> Open-The Final 1003 is Missing Provide updated 1003 as the line of work for the business XXXX is 5.5 year and start date is XXXX XXXXyear which is higher than line of work. <br> - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. - Seller-12/17/2024<br>| Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/18/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-12/18/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2988945 | N/A | N/A |
| XXXX | xxxxxx7174 |  |  | Closed | 2024-12-16 06:38 | 2024-12-20 15:31 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-12/20/2024 <br> Ready for Review-Document Uploaded. Loan did not fund until 12/9/2024. - Seller-12/18/2024 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX. Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX and Official Staff Commentary) Right to cancel date mentioned as document is XXXX same as disbursement date XXXX due which loan failed right to rescission test. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. Loan did not fund until XXXX - Seller-12/18/2024 | Resolved-Resolved - Due Diligence Vendor-12/20/2024<br>| XXXX |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3010443 | N/A | N/A |
| XXXX | xxxxxx7174 |  |  | Closed | 2024-12-16 06:46 | 2024-12-19 01:56 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 & Lender Approval Form Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/19/2024 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/19/2024 <br> Ready for Review-Document Uploaded. - Seller-12/18/2024 <br> Open-The 1008 document is missing from the loan file. 1008 document reflecting First P&I as $XXXX whereas per supporting documents in file verified P&I $XXXX + Taxes as $XXXX+ Homeowner's Insurance $ XXXX+ HOA $XXXX = $XXXXfor first lien which is not matching with 1008. Due to this HTI and DTI impacts. And lender approval sheet also reflects HTI and DTI same as 1008 which need be corrected. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-12/18/2024<br>| Resolved-Updated 1008 & Lender Approval Form Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/19/2024 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/19/2024<br>| XXXX |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3010518 | N/A | N/A |
| XXXX | xxxxxx1970 |  |  | Closed | 2024-12-18 02:06 | 2025-01-03 09:01 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-. - Due Diligence Vendor-01/03/2025 <br> Ready for Review-Document Uploaded. updated PCCD - Seller-12/31/2024 <br> Counter-The Final Settlement Statement fees and PCCD fees do not match. Requesting updated PCCD. - Due Diligence Vendor-12/31/2024 <br> Ready for Review-Document Uploaded. Final SS and PCCD - Seller-12/27/2024 <br> Ready for Review-Document Uploaded. ROR in file shows last day to cancel of XXXX. Loan was not funded until XXXX. Please review and clear. attached ROR - Seller-12/24/2024 <br> Open-The loan disbursement date (XXXX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX and Official Staff Commentary) Requesting for clarification of Right to Cancel documentation. The provided doc indicates a start date of 1XXXXwith an expiration date of XXXX. However, the Notary date isXXXXand disbursement date is XXXX which falls same day as cancellation date. - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. updated PCCD - Seller-12/31/2024 <br> Ready for Review-Document Uploaded. Final SS and PCCD - Seller-12/27/2024 <br> Ready for Review-Document Uploaded. ROR in file shows last day to cancel of XXXX Loan was not funded until XXXX. Please review and clear. attached ROR - Seller-12/24/2024 | Resolved-. - Due Diligence Vendor-01/03/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3029436 | N/A | N/A |
| XXXX | xxxxxx1970 |  |  | Closed | 2024-12-18 02:13 | 2024-12-27 05:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. please see attached signed /dated by LO - Seller-12/26/2024 <br>Open-Loan originator signature and date is missing on Initial 1003 pg#454 - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. please see attached signed /dated by LO - Seller-12/26/2024<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3029444 | N/A | N/A |
| XXXX | xxxxxx1970 |  |  | Closed | 2024-12-18 02:06 | 2025-01-03 09:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-. - Due Diligence Vendor-01/03/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 151, Rate lock date was entered correctly – see Pg#'s 138 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#339 and confirmation the appraisal was delivered to the borrower – see Pg#'s 303. The loan meets XXXX guidelines. - Due Diligence Vendor-12/18/2024 |  | Resolved-. - Due Diligence Vendor-01/03/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 151, Rate lock date was entered correctly – see Pg#'s 138 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#339 and confirmation the appraisal was delivered to the borrower – see Pg#'s 303. The loan meets XXXX guidelines. - Due Diligence Vendor-12/18/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3029434 | N/A | N/A |
| XXXX | xxxxxx1970 |  |  | Closed | 2024-12-18 02:06 | 2025-01-03 09:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-. - Due Diligence Vendor-01/03/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 151, Rate lock date was entered correctly – see Pg#'s 138 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#339 and confirmation the appraisal was delivered to the borrower – see Pg#'s 303. The loan meetsXXXX guidelines. - Due Diligence Vendor-12/18/2024 |  | Resolved-. - Due Diligence Vendor-01/03/2025 <br> Resolved-This is aXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX) equals or exceeds the XXXX hreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 151, Rate lock date was entered correctly – see Pg#'s 138 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#339 and confirmation the appraisal was delivered to the borrower – see Pg#'s 303. The loan meets XXXXguidelines. - Due Diligence Vendor-12/18/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3029435 | N/A | N/A |
| XXXX | xxxxxx7867 |  |  | Closed | 2024-12-17 05:01 | 2024-12-27 11:00 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. - Seller-12/24/2024 <br>Open-Housing History Does Not Meet Guideline Requirements Primary Mortgage History actual 4 months per CBR but unable to verify 12 months housing history. please provide 12 month housing history - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. - Seller-12/24/2024<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3020006 | N/A | N/A |
| XXXX | xxxxxx7579 |  |  | Closed | 2024-12-20 01:24 | 2024-12-27 06:27 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Approval and 1008 reviewed. XXXX has been updated - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. Please see updated 1008 and approval screen. - Seller-12/24/2024 <br> Open-Provided lender approval document is reflecting wrong HTI DTI values. As per manual cal HTI is XXXX% and DTI is XXXX% .<br> - Due Diligence Vendor-12/20/2024 | Ready for Review-Document Uploaded. Please see updated 1008 and approval screen. - Seller-12/24/2024<br>| Resolved-Approval and 1008 reviewed. LauraMac has been updated - Due Diligence Vendor-12/27/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3051746 | N/A | N/A |
| XXXX | xxxxxx7579 |  |  | Closed | 2024-12-19 23:18 | 2024-12-26 01:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/26/2024 <br> Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Document Uploaded. Please see attached and review/clear. TY - Seller-12/24/2024 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing VOE is missing in file. Provided CPA is on XXXXwhich is not within 30days of closing in lieu of VOE. - Due Diligence Vendor-12/20/2024 | Ready for Review-Document Uploaded. Please see attached and review/clear. TY - Seller-12/24/2024<br>| Resolved-Borrower 2 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/26/2024 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/26/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3051359 | N/A | N/A |
| XXXX | xxxxxx8685 |  |  | Closed | 2024-12-19 03:39 | 2024-12-30 01:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 provided showing Years in industry is greater than years in current job.<br> - Due Diligence Vendor-12/30/2024 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-12/30/2024 <br> Ready for Review-Document Uploaded. - Seller-12/27/2024 <br> Open-The Final 1003 is Missing Provide updated 1003 as the line of work for the businessXXXX is XXXX year and start date is XXXX XXXX year which is higher than line of work. <br> - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. - Seller-12/27/2024<br>| Resolved-Updated Final 1003 provided showing Years in industry is greater than years in current job.<br> - Due Diligence Vendor-12/30/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3041051 | N/A | N/A |
| XXXX | xxxxxx8685 |  |  | Closed | 2024-12-19 11:20 | 2024-12-19 11:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #141,289, An interior and exterior appraisal was completed for this property – see pg. #13, Final CD is on page #142 the appraisal disclosure was provided to the borrower pg. #335,336 confirmation the appraisal was delivered to the borrower is missing in file pg. #169 - Due Diligence Vendor-12/19/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX. The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #141,289, An interior and exterior appraisal was completed for this property – see pg. #13, Final CD is on page #142 the appraisal disclosure was provided to the borrower pg. #335,336 confirmation the appraisal was delivered to the borrower is missing in file pg. #169 - Due Diligence Vendor-12/19/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3046325 | N/A | N/A |
| XXXX | xxxxxx8685 |  |  | Closed | 2024-12-19 11:20 | 2024-12-19 11:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #141,289, An interior and exterior appraisal was completed for this property – see pg. #13, Final CD is on page #142 the appraisal disclosure was provided to the borrower pg. #335,336 confirmation the appraisal was delivered to the borrower is missing in file pg. #169 - Due Diligence Vendor-12/19/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX. The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #141,289, An interior and exterior appraisal was completed for this property – see pg. #13, Final CD is on page #142 the appraisal disclosure was provided to the borrower pg. #335,336 confirmation the appraisal was delivered to the borrower is missing in file pg. #169 - Due Diligence Vendor-12/19/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3046324 | N/A | N/A |
| XXXX | xxxxxx4493 |  |  | Closed | 2024-12-20 11:35 | 2025-01-10 11:46 | Resolved | 1 - Information B A | Compliance | Compliance | TRID CD disclosure violation; missing partial payment policy information on Closing Disclosure. | Resolved-PCCD with partial payments marked uploaded. Resolved. - Due Diligence Vendor-01/10/2025 <br>Ready for Review-Document Uploaded. - Seller-01/09/2025 <br>Open-Final CD page#149 ; partial payments not checked/completed. Provide updated document - Due Diligence Vendor-12/20/2024 | Ready for Review-Document Uploaded. - Seller-01/09/2025<br>| Resolved-PCCD with partial payments marked uploaded. Resolved. - Due Diligence Vendor-01/10/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3057211 | N/A | N/A |
| XXXX | xxxxxx8833 |  |  | Closed | 2024-12-27 06:19 | 2025-01-02 06:37 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Updated Approval Uploaded. Resolved. - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/30/2024 <br>Open-Program information is blank on Approval. - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. - Seller-12/30/2024<br>| Resolved-Updated Approval Uploaded. Resolved. - Due Diligence Vendor-01/02/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3091130 | N/A | N/A |
| XXXX | xxxxxx9766 |  |  | Closed | 2024-12-26 18:50 | 2025-01-06 09:29 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Document received and reviewed - Due Diligence Vendor-01/06/2025 <br>Ready for Review-This is a DSCR loan, so no DTI ratio for this loan. - Seller-01/02/2025 <br>Counter-Corrected DTI ratios are missing. - Due Diligence Vendor-12/31/2024 <br>Ready for Review-Document Uploaded. - Seller-12/30/2024 <br>Open-The 1008 document is missing from the loan file. Provided 1008 lists DTI values in the millions percentile-wise. Request to provide updated document - Due Diligence Vendor-12/27/2024 | Ready for Review-This is a XXXX loan, so no DTI ratio for this loan. - Seller-01/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2024 | Resolved-Document received and reviewed - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | UT | Investment | Refinance | Cash Out - Other | 3089551 | N/A | N/A |
| XXXX | xxxxxx9766 |  |  | Closed | 2024-12-26 18:48 | 2024-12-31 08:46 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Corrected lender approval received. - Due Diligence Vendor-12/31/2024 <br> Ready for Review-Document Uploaded. - Seller-12/27/2024 <br> Open-DSCR Ratio on loan program information pg#296 is showing = Gross Rent $XXXX/$XXXXPITI(Which is 2nd lien Monthly payments) = XXXX whereas Calculated XXXX and XXXX as per XXXX omments on 1008 is actual rent in place $XXXX/$XXXX (Both 1st and 2nd lien monthly payments) = XXXX XXXX. - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. - Seller-12/27/2024<br>| Resolved-Corrected lender approval received. - Due Diligence Vendor-12/31/2024<br>| XXXX |  |  | UT | Investment | Refinance | Cash Out - Other | 3089547 | N/A | N/A |
| XXXX | xxxxxx8384 |  |  | Closed | 2024-12-31 12:00 | 2025-01-06 09:18 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-1008 Document is Missing. Loan is DSCR but 1008 is showing ratios and income. Need corrected 1008. - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3115311 | N/A | N/A |
| XXXX | xxxxxx8384 |  |  | Closed | 2024-12-25 21:40 | 2025-01-03 01:52 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Updated Master Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/03/2025 <br> Resolved-Master Policy Expiration Date of XXXX is Equal to or After the Transaction Date of XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-01/03/2025 <br> Ready for Review-Document Uploaded. - Seller-01/02/2025 <br> Open-Master Policy Expiration Date of XXXX is Prior To the Transaction Date of XXXX Provide updated master policy as the Master Policy Expiration Date of XXXX is Prior To the Transaction Date of XXXX - Due Diligence Vendor-12/26/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-Updated Master Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/03/2025 <br> Resolved-Master Policy Expiration Date of XXXX is Equal to or After the Transaction Date of XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-01/03/2025 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3081447 | N/A | N/A |
| XXXX | xxxxxx4188 |  |  | Closed | 2024-12-26 22:13 | 2025-01-09 09:33 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD Provided and XXXX cleared. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. see attached pccd - Seller-01/07/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX and Official Staff Commentary) Disbursement date is XXXX as per final cd page 148 is same as Cancel date XXXX as per Right to cancel page 409,410 Provide PCCD - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. see attached pccd - Seller-01/07/2025<br>| Resolved-PCCD Provided and XXXX cleared. - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3090000 | N/A | N/A |
| XXXX | xxxxxx4188 |  |  | Closed | 2024-12-26 21:43 | 2025-01-09 09:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD provided with partial payments marked. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. see attached - Seller-01/07/2025 <br>Open-TRID: Missing Final Closing Disclosure Provide updated Final CD as the Partial Payments is not checked. - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. see attached - Seller-01/07/2025<br>| Resolved-PCCD provided with partial payments marked. - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3089951 | N/A | N/A |
| XXXX | xxxxxx4188 |  |  | Closed | 2024-12-26 20:32 | 2025-01-08 00:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/08/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-01/07/2025 <br> Open-The Final 1003 is Missing Provide updated 1003 as the line of work for the business XXXX and XXXX XXXX is 5 year and start date is XXXX XXXX year which is higher than line of work. <br> - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. see attached - Seller-01/07/2025<br>| Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/08/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3089669 | N/A | N/A |
| XXXX | xxxxxx4188 |  |  | Closed | 2024-12-26 22:13 | 2025-01-09 09:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #147, An interior and exterior appraisal was completed for this property – see pg. #17, Final CD is on page #148 the appraisal disclosure was provided to the borrower pg. #411 confirmation the appraisal was delivered to the borrower page #16. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-01/09/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #147, An interior and exterior appraisal was completed for this property – see pg. #17, Final CD is on page #148 the appraisal disclosure was provided to the borrower pg. #411 confirmation the appraisal was delivered to the borrower page #16.<br> The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-12/27/2024 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #147, An interior and exterior appraisal was completed for this property – see pg. #17, Final CD is on page #148 the appraisal disclosure was provided to the borrower pg. #411 confirmation the appraisal was delivered to the borrower page #16. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/09/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #147, An interior and exterior appraisal was completed for this property – see pg. #17, Final CD is on page #148 the appraisal disclosure was provided to the borrower pg. #411 confirmation the appraisal was delivered to the borrower page #16.<br> The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-12/27/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3089998 | N/A | N/A |
| XXXX | xxxxxx4188 |  |  | Closed | 2024-12-26 22:13 | 2025-01-09 09:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is aXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #147, An interior and exterior appraisal was completed for this property – see pg. #17, Final CD is on page #148 the appraisal disclosure was provided to the borrower pg. #411 confirmation the appraisal was delivered to the borrower page #16. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-01/09/2025 <br> Resolved-This is aXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #147, An interior and exterior appraisal was completed for this property – see pg. #17, Final CD is on page #148 the appraisal disclosure was provided to the borrower pg. #411 confirmation the appraisal was delivered to the borrower page #16.<br> The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-12/27/2024 |  | Resolved-This is a XXXXHigher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXXequals or exceeds theXXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #147, An interior and exterior appraisal was completed for this property – see pg. #17, Final CD is on page #148 the appraisal disclosure was provided to the borrower pg. #411 confirmation the appraisal was delivered to the borrower page #16. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-01/09/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (XXXX. The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of XXXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #147, An interior and exterior appraisal was completed for this property – see pg. #17, Final CD is on page #148 the appraisal disclosure was provided to the borrower pg. #411 confirmation the appraisal was delivered to the borrower page #16.<br> The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-12/27/2024 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3089999 | N/A | N/A |
| XXXX | xxxxxx8481 |  |  | Closed | 2024-12-31 02:32 | 2024-12-31 02:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #286, An interior and exterior appraisal was completed for this property – see pg. #20, Final CD is on page #289 the appraisal disclosure was provided to the borrower pg. #515 confirmation the appraisal was delivered to the borrower in file page #460. The loan Meets XXXXguideline, resolved - Due Diligence Vendor-12/31/2024 |  | Resolved-The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #286, An interior and exterior appraisal was completed for this property – see pg. #20, Final CD is on page #289 the appraisal disclosure was provided to the borrower pg. #515 confirmation the appraisal was delivered to the borrower in file page #460. The loan Meets XXXXguideline, resolved - Due Diligence Vendor-12/31/2024 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3109652 | N/A | N/A |
| XXXX | xxxxxx4022 |  |  | Closed | 2025-01-05 20:21 | 2025-01-21 19:01 | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Resolved-Property inspection shows no damage cleared. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. - Seller-01/20/2025 <br> Ready for Review-Document Uploaded. - Seller-01/20/2025 <br> Open-Property potentially affected by FEMA Disaster ID 4828. XXXX - Declared XXXX with an Incident End Date ofXXXXwith Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required.<br> - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2025 <br>Ready for Review-Document Uploaded. - Seller-01/20/2025<br>| Resolved-Property inspection shows no damage cleared. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3140350 | N/A | N/A |
| XXXX | xxxxxx4022 |  |  | Closed | 2025-01-04 05:08 | 2025-01-13 09:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/13/2025 <br> Ready for Review-Updated, please review - Seller-01/09/2025 <br> Open-The Final 1003 is Incomplete In the provided Final 1003 borrower's Employment years in this line of work "XXXXyears" is less than the years in Job "XXXXyears" Provided updated Final 1003 - Due Diligence Vendor-01/04/2025 | Ready for Review-Updated, please review - Seller-01/09/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-01/13/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3138918 | N/A | N/A |
| XXXX | xxxxxx8914 |  |  | Closed | 2025-01-04 22:00 | 2025-01-23 05:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received and reviewed. PC XXXX successfully run. Resolved - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Counter-The partial payments selection listed on page 4 of the provided PCCD is not marked - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. - Seller-01/10/2025 <br>Open-TRID: Missing Final Closing Disclosure In provided Final closing disclosure the Partial Payments on Loan Disclosures hasn't been marked, Provide updated Final CD with Partial Payments marked. - Due Diligence Vendor-01/05/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Ready for Review-Document Uploaded. - Seller-01/10/2025<br>| Resolved-PCCD received and reviewed. PC XXXX successfully run. Resolved - Due Diligence Vendor-01/23/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3139664 | N/A | N/A |
| XXXX | xxxxxx8914 |  |  | Closed | 2025-01-06 05:18 | 2025-01-14 07:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-LOE for Refinance purpose not required - Resolved. - Due Diligence Vendor-01/14/2025 <br>Resolved-PCCD uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. - Seller-01/10/2025 <br>Open-Provide LOX addressing the Refinance purpose, Missing in File - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. - Seller-01/10/2025<br>| Resolved-LOE for Refinance purpose not required - Resolved. - Due Diligence Vendor-01/14/2025 <br>Resolved-PCCD uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/14/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3141617 | N/A | N/A |
| XXXX | xxxxxx0926 |  |  | Closed | 2025-01-06 09:39 | 2025-01-13 03:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-As per G/Ls, Lease not required on refinance transactions if loans amount ≤ $1MM and LTV ≤ 65%, Verified - Resolved - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Please be more specific on what is needed here. - Seller-01/10/2025 <br>Open-Subject property is Tenant occupied, Loan is refinance - investment occupancy with loans amount ≤ $1MM and LTV >= 65%. As per G/Ls, Lease not required on refinance transactions if loans amount ≤ $1MM and LTV ≤ 65% - Due Diligence Vendor-01/06/2025 | Ready for Review-Please be more specific on what is needed here. - Seller-01/10/2025<br>| Resolved-As per G/Ls, Lease not required on refinance transactions if loans amount ≤ $XXXX and LTV ≤ 65%, Verified - Resolved - Due Diligence Vendor-01/13/2025 |  |  |  | CA | Investment | Refinance | Cash Out - Other | 3144437 | N/A | N/A |
| XXXX | xxxxxx6032 |  |  | Closed | 2025-01-10 12:29 | 2025-01-22 13:53 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved- - Due Diligence Vendor-01/22/2025 <br> Counter-Good to clear property more than 15 miles away XXXX does not show any damage on the report or to the property. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. - Seller-01/17/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX. XXXXX-XXXX- Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. - Seller-01/17/2025<br>|  | XXXX |  | XXXX fire is only at 22% containment, we will need a PDI after the end of declaration end date. | CA | Primary Residence | Refinance | Cash Out - Other | 3185116 | N/A | N/A |
| XXXX | xxxxxx6032 |  |  | Closed | 2025-01-06 20:23 | 2025-01-16 05:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-The Initial 1003 is Missing Provide updated Initial 1003 as the LO signed is missing. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3150394 | N/A | N/A |
| XXXX | xxxxxx6032 |  |  | Closed | 2025-01-06 22:13 | 2025-01-14 09:11 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. - Seller-01/10/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX and Official Staff Commentary) The disbursement date of XXXXon the Final CD is reflected as the cancel date on the Right to Cancel. Please provided PCCD - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/10/2025<br>| Resolved-Resolved - Due Diligence Vendor-01/14/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3150622 | N/A | N/A |
| XXXX | xxxxxx1137 |  |  | Closed | 2025-01-10 12:28 | 2025-01-27 10:58 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved- - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Property is more than 15 miles from the disaster area and CDAIR does not show any damage to the property on the report. FEMA Disaster XXXXis currently contained at 94% - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Document Uploaded. - Seller-01/23/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX-XXXX- Declared XXXXwithout an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. - Seller-01/23/2025<br>|  | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3185113 | N/A | N/A |
| XXXX | xxxxxx1137 |  |  | Closed | 2025-01-07 03:13 | 2025-01-17 05:51 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCC has been received. XXXX has been successfully run - Due Diligence Vendor-01/17/2025 <br> Ready for Review-Document Uploaded. attached. Apologies! - Seller-01/15/2025 <br> Counter-Can you please attach t he PCCD for review? - Due Diligence Vendor-01/15/2025 <br> Ready for Review-PCCD attached. This did not fund until XXXX, so the VOE's are ok. Thank you! - Seller-01/13/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX) and Official Staff Commentary) Consummation date is same as disbursement date XXXX hence required clarification on Notice of right to cancel documents pg#330-334 - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. attached. Apologies! - Seller-01/15/2025 <br> Ready for Review-PCCD attached. This did not fund until XXXX so the VOE's are ok. Thank you! - Seller-01/13/2025 | Resolved-PCC has been received. XXXX has been successfully run - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151221 | N/A | N/A |
| XXXX | xxxxxx1137 |  |  | Closed | 2025-01-07 05:37 | 2025-01-15 11:24 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator Company NMLS is Not Valid | Resolved-Documents and clarification received. Resolved - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. please see attached, XXXX /XXXX licensing NMLS. Valid, not expired, please clear. - Seller-01/13/2025 <br> Open-Broker name on Note and DOT is listed as SS with NMLS ID XXXX, which is active and showing in the name of XXXX in NMLS look up. Broker's name does not conform the NMLS or the provided NMLS ID - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. please see attached, XXXX/XXXXlicensing NMLS. Valid, not expired, please clear. - Seller-01/13/2025 | Resolved-Documents and clarification received. Resolved - Due Diligence Vendor-01/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151731 | N/A | N/A |
| XXXX | xxxxxx1137 |  |  | Closed | 2025-01-07 01:45 | 2025-01-15 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Clarification received. Resolved - Due Diligence Vendor-01/15/2025 <br> Ready for Review-docs dated XXXX, loan funded XXXX) - Seller-01/13/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE on pg#406 which is dated on XXXX is after the closing date XXXX - Due Diligence Vendor-01/07/2025 | Ready for Review-docs dated XXXX loan funded XXXX) - Seller-01/13/2025 | Resolved-Clarification received. Resolved - Due Diligence Vendor-01/15/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151062 | N/A | N/A |
| XXXX | xxxxxx1137 |  |  | Closed | 2025-01-07 01:45 | 2025-01-15 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Clarification received. Resolved - Due Diligence Vendor-01/15/2025 <br> Ready for Review-docs dated XXXX, loan funded XXXX - Seller-01/13/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE on pg#403-405 which is dated on XXXX is after the closing date XXXX - Due Diligence Vendor-01/07/2025 | Ready for Review-docs dated XXXX, loan funded XXXX - Seller-01/13/2025 | Resolved-Clarification received. Resolved - Due Diligence Vendor-01/15/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151061 | N/A | N/A |
| XXXX | xxxxxx1137 |  |  | Closed | 2025-01-07 03:13 | 2025-01-07 03:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXXthreshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 103, Rate lock date was entered correctly – see Pg#'s 101 An interior and exterior appraisal was completed for this property – see pg#21, 53, ECOA Appraisal Disclosure OR the LE's page as the page#334,336 and confirmation the appraisal was delivered to the borrower – see Pg#'s 88. The loan meets XXXX guidelines. - Due Diligence Vendor-01/07/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the XXXXthreshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX%).XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 103, Rate lock date was entered correctly – see Pg#'s 101 An interior and exterior appraisal was completed for this property – see pg#21, 53, ECOA Appraisal Disclosure OR the LE's page as the page#334,336 and confirmation the appraisal was delivered to the borrower – see Pg#'s 88. The loan meets XXXXguidelines. - Due Diligence Vendor-01/07/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151219 | N/A | N/A |
| XXXX | xxxxxx1137 |  |  | Closed | 2025-01-07 03:13 | 2025-01-07 03:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 103, Rate lock date was entered correctly – see Pg#'s 101 An interior and exterior appraisal was completed for this property – see pg#21, 53, ECOA Appraisal Disclosure OR the LE's page as the page#334,336 and confirmation the appraisal was delivered to the borrower – see Pg#'s 88. The loan meets XXXX guidelines. - Due Diligence Vendor-01/07/2025 |  | Resolved-This is a XXXXHigher-Priced Mortgage Loan (XXXX. The loan's APR of (XXXX) equals or exceeds the XXXXthreshold of (XXXX. The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 103, Rate lock date was entered correctly – see Pg#'s 101 An interior and exterior appraisal was completed for this property – see pg#21, 53, ECOA Appraisal Disclosure OR the LE's page as the page#334,336 and confirmation the appraisal was delivered to the borrower – see Pg#'s 88. The loan meets XXXXguidelines. - Due Diligence Vendor-01/07/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151220 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 03:22 | 2025-01-22 07:01 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-. - Due Diligence Vendor-01/22/2025 <br> Open-. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. Dry state funding. uploaded PCCD. - Seller-01/17/2025 <br> Open-The disclosed "Right to Cancel Expire Date" (XXXX is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XXXX) and Official Staff Commentary) Provide Updated Right to Cancel. Right to Cancel Expire Date" (XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. Dry state funding. uploaded PCCD. - Seller-01/17/2025<br>| Resolved-. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151241 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 04:37 | 2025-01-22 06:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/17/2025 <br>Open-The Final 1003 is Incomplete Provide Final 1003 with Employment Years in Industry Information. Employment Years in Industry Information Missing. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/17/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151470 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 02:53 | 2025-01-22 06:42 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Closed End Finance Charge Rescission Tolerance | Resolved-. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. - Seller-01/20/2025 <br> Open-The disclosed finance charge (XXXX) is less than the actual finance charge ($XXXX) by ($XXXX). For rescission purposes, the Truth in Lending Act considers the finance charge inaccurate if it is understated by more than half of XXXX% of the note amount ($XXXX) or $100, whichever is greater. (XXXX(g);XXXX)(2)(ii)-1) . - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2025<br>| Resolved-. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151170 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 02:53 | 2025-01-22 06:42 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. - Seller-01/20/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge(XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (XXXX(d)(1); XXXX)(2)(ii)-1) . - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2025<br>| Resolved-. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151172 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 02:53 | 2025-01-22 06:42 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period | Resolved-. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. - Seller-01/17/2025 <br> Open-The Annual Percentage Rate of (XXXX%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than XXXX business days before the consummation date of XXXX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XXXX(f)(1)(ii)(A)); XXXX)(1)(iii); XXXX)(2)(ii)(A); XXXX)(2)) . - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/17/2025<br>| Resolved-. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151174 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 02:53 | 2025-01-22 06:42 | Resolved | 1 - Information C A | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. - Seller-01/17/2025 <br> Open-The disclosed APR (XXXX) is lower than the actual APR (XXXX) by more than .XXXX%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .XXXX% on a regular mortgage transaction. (XXXX), XXXX(a)(2), & XXXX(a)(2)) . - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/17/2025<br>| Resolved-. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151175 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 02:53 | 2025-01-22 06:42 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. - Seller-01/20/2025 <br> Open-The disclosed Total of Payments ($XXXX) is understated by more than $XXXX when compared to the actual Total of Payments of ($XXXX). The difference is ($XXXX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XXXX. (XXXX)(2)(ii)) . - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2025<br>| Resolved-. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151166 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 02:53 | 2025-01-22 06:42 | Resolved | 1 - Information C A | Compliance | XXXX | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. redisclose date was within XXXX days. Can you clear any other condition that pertains to this condition. - Seller-01/17/2025 <br> Open-The Prior CD1 sent on XXXX) was received at least 3 business days before closing. The Last CD sent on XXXX) was not received at least 3 business days before closing. The Prior CD1 (XXXX%) APR is inaccurate when compared to the (XXXX%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XXXX), which is 3 business days before the (XXXX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it 3 business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least 3 business days before closing and the actual APR. (XXXX)(2)(ii)(A);XXXX)(2)(ii)-1) - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. redisclose date was within 3 days. Can you clear any other condition that pertains to this condition. - Seller-01/17/2025<br>| Resolved- - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151167 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 02:53 | 2025-01-22 06:42 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Rescission Tolerance | Resolved-. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-uploaded <br> - Seller-01/20/2025 <br> Open-The disclosed Total of Payments ($XXXX) is understated by more than the greater of $XXXX or XXXX of XXXX% of the note amount when compared to the actual Total of Payments of ($XXXX). The difference is ($XXXX). For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than XXXXof XXXX percent of the face amount of the note ($XXXX) or $100, whichever is greater. (XXXX(g)(1)(ii)) . - Due Diligence Vendor-01/07/2025 | Ready for Review-uploaded <br> - Seller-01/20/2025<br>| Resolved-. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151168 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 02:53 | 2025-01-22 06:42 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. - Seller-01/20/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (XXXX(i)(2);XXXX(c)(2)(ii)-1) . - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2025<br>| Resolved-. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151169 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 02:53 | 2025-01-22 07:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX(HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a);XXXX(a)(iii)) . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-01/22/2025 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX(a)(iii)) . - Due Diligence Vendor-01/22/2025 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a);XXXX(a)(iii)) . - Due Diligence Vendor-01/22/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg 164 An interior and exterior appraisal was completed for this property – see pg 11, ECOA Appraisal Disclosure provided on page 410-411 and the copy of appraisal sent to borrower confirmation page 10. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-01/07/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX)(iii)) . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-01/22/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg 164 An interior and exterior appraisal was completed for this property – see pg 11, ECOA Appraisal Disclosure provided on page 410-411 and the copy of appraisal sent to borrower confirmation page 10. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-01/07/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151173 | N/A | N/A |
| XXXX | xxxxxx1299 |  |  | Closed | 2025-01-07 02:53 | 2025-01-22 07:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX(a)(1)(iii)) . The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-01/22/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(a)(1)(iii)) . - Due Diligence Vendor-01/22/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(a)(1)(iii)) . - Due Diligence Vendor-01/22/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(a)(1)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX 1(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXXa)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg 164 An interior and exterior appraisal was completed for this property – see pg 11, ECOA Appraisal Disclosure provided on page 410-411 and the copy of appraisal sent to borrower confirmation page 10. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-01/07/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(1)(iii)) . The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-01/22/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX(1)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg 164 An interior and exterior appraisal was completed for this property – see pg 11, ECOA Appraisal Disclosure provided on page 410-411 and the copy of appraisal sent to borrower confirmation page 10. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-01/07/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3151171 | N/A | N/A |
| XXXX | xxxxxx9392 |  |  | Closed | 2025-01-13 06:25 | 2025-01-21 08:26 | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Closing agent signature obtained. - Due Diligence Vendor-01/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. Signed by escrow agent. Thank you. - Seller-01/16/2025 <br> Counter-Attached is an Alta Settlement Statement. Final HUD we have on page 685 is a HUD. We need a final HUD signed by closing agent. - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. final hud signed by closing agent attached. - Seller-01/14/2025 <br> Open-Final HUD is not executed by the closing agent. - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. Please see attached. Signed by escrow agent. Thank you. - Seller-01/16/2025 <br>Ready for Review-Document Uploaded. final hud signed by closing agent attached. - Seller-01/14/2025<br>| Resolved-Closing agent signature obtained. - Due Diligence Vendor-01/21/2025<br>| XXXX |  |  | HI | Investment | Refinance | Cash Out - Other | 3190217 | N/A | N/A |
| XXXX | xxxxxx9392 |  |  | Closed | 2025-01-07 02:03 | 2025-01-14 00:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/14/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. - Seller-01/13/2025 <br> Ready for Review-Bwr just purchased home in XXXX, updated to show 2 months on final 1003 - Seller-01/13/2025 <br> Open-The Final 1003 is Missing Provide updated 1003 as the year in current home for XXXX is reflecting as 0 - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/13/2025 <br> Ready for Review-Bwr just purchased home in XXXX, updated to show 2 months on final 1003 - Seller-01/13/2025 | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/14/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-01/14/2025<br>| XXXX |  |  | HI | Investment | Refinance | Cash Out - Other | 3151089 | N/A | N/A |
| XXXX | xxxxxx8654 |  |  | Closed | 2025-01-10 12:13 | 2025-01-23 08:53 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Property is XXXX miles away from the current active FEMA declaration wildfire XXXX shows no damage to the property or on the report. - Due Diligence Vendor-01/23/2025 <br> Counter-As of today XXXX fire is at XXXX% containment, we will need a PDI after declaration end date. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. - Seller-01/21/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared XXXXwithout an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Property is 20 miles away from the current active FEMA declaration wildfire XXXX CDAIR shows no damage to the property or on the report. - Due Diligence Vendor-01/23/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3184891 | N/A | N/A |
| XXXX | xxxxxx8654 |  |  | Closed | 2025-01-08 00:22 | 2025-01-15 05:26 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 & Lender Approval form uploaded, DTI is within the variance & guideline limit, Verified & entered in system - Resolved - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. Please see updated 1008 with tax and insurance. Regarding the tradelines, per our UW - she use worse case scenario. In this case the credit report payment higher. There was no need to update the payment to the amount on the credit refresh when the DTI still qualifies. - Seller-01/14/2025 <br> Open-First lien amount of $XXXX in which taxes and insurance amounts not included in DTI. Audited DTI variance is due to taxes and insurance included in second lien. And also due to tradelines DTI discrepancy caused : 1- 1003 reflects XXXX XXXX with monthly payment $XXXX and U/W considered same for DTI calculation, whereas in CBR pg-202 reflects with monthly payment $XXXX. 2- 1003 reflects XXXX XXXX with monthly payment $XXXX and U/W considered same for DTI calculation, whereas in CBR pg-202 reflects with monthly payment $XXXX. 3- 1003 reflects XXXX XXXX with monthly payment $XXXX and U/W considered same for DTI calculation, whereas in CBR pg-202 reflects with monthly payment $XXXX. 4- 1003 reflects XXXX/XXXX XXXX with monthly payment $60 and U/W considered same for DTI calculation, whereas in CBR pg-202 reflects with monthly payment $XXXX. 5- 1003 reflects XXXX XXXX XXXX with monthly payment $208 and U/W considered same for DTI calculation, whereas in CBR pg-XXXX reflects with monthly payment $XXXX. 6-- 1003 reflects XXXX/XXXX XXXX XXXX with monthly payment $36 and U/W considered same for DTI calculation, whereas in CBR pg-202 reflects with monthly payment $XXXX. 7- 1003 reflects XXXX XXXX with monthly payment $XXXX and U/W considered same for DTI calculation, whereas in CBR pg-XXXX reflects with monthly payment $0. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. Please see updated 1008 with tax and insurance. Regarding the tradelines, per our UW - she use worse case scenario. In this case the credit report payment higher. There was no need to update the payment to the amount on the credit refresh when the DTI still qualifies. - Seller-01/14/2025<br>| Resolved-Updated XXXX & Lender Approval form uploaded, DTI is within the variance & guideline limit, Verified & entered in system - Resolved - Due Diligence Vendor-01/15/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3160222 | N/A | N/A |
| XXXX | xxxxxx8654 |  |  | Closed | 2025-01-07 20:50 | 2025-01-15 05:25 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 & Lender Approval form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/15/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. - Seller-01/14/2025 <br> Open-The 1008 document is missing from the loan file. Provided 1008 reflecting first lien amount as $XXXX in which taxes and insurance amounts not included. 1008 document not reflecting/not included taxes and insurance in second lien. Lender approval also reflecting wrong DYI and HTI values same as 1008 document which needed to be correct. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-Updated XXXX & Lender Approval form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/15/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/15/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3159698 | N/A | N/A |
| XXXX | xxxxxx8654 |  |  | Closed | 2025-01-08 00:05 | 2025-01-08 00:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'157<br> Rate lock date was entered correctly – see Pg#'s 156<br> An interior and exterior appraisal was completed for this property – see pg#19, <br> ECOA Appraisal Disclosure OR the LE's page as the page#470.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 201<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-01/08/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'157<br> Rate lock date was entered correctly – see Pg#'s 156<br> An interior and exterior appraisal was completed for this property – see pg#19, <br> ECOA Appraisal Disclosure OR the LE's page as the page#470.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 201<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-01/08/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3160127 | N/A | N/A |
| XXXX | xxxxxx8654 |  |  | Closed | 2025-01-08 00:05 | 2025-01-08 00:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'157<br> Rate lock date was entered correctly – see Pg#'s 156<br> An interior and exterior appraisal was completed for this property – see pg#19, <br> ECOA Appraisal Disclosure OR the LE's page as the page#470.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 201<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-01/08/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX)(iii)) This loan failed the higher-priced mortgage loan test. XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'157<br> Rate lock date was entered correctly – see Pg#'s 156<br> An interior and exterior appraisal was completed for this property – see pg#19, <br> ECOA Appraisal Disclosure OR the LE's page as the page#470.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 201<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-01/08/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3160128 | N/A | N/A |
| XXXX | xxxxxx0516 |  |  | Closed | 2025-01-14 21:21 | 2025-01-21 09:47 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Resolved-Assumption section completed - Due Diligence Vendor-01/21/2025 <br>Ready for Review-Document Uploaded. - Seller-01/16/2025 <br>Open- assumption section not completed.<br> - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. - Seller-01/16/2025<br>| Resolved-Assumption section completed - Due Diligence Vendor-01/21/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3207303 | N/A | N/A |
| XXXX | xxxxxx0516 |  |  | Closed | 2025-01-12 23:25 | 2025-01-21 09:46 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-Resolved - Due Diligence Vendor-01/21/2025 <br> Ready for Review-Document Uploaded. - Seller-01/16/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX)(3)(i) and comments 19(e)(3)(i)-5 and -6; XXXX)(2)(v); XXXX(g)(6);XXXX)). Revised Loan Estimate XXXXshows Lender Credits of $5,000 whereas decreased in final CD to $XXXX need coc for the same . - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. - Seller-01/16/2025<br>| Resolved-Resolved - Due Diligence Vendor-01/21/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3189135 | N/A | N/A |
| XXXX | xxxxxx9762 |  |  | Closed | 2025-01-21 03:41 | 2025-02-12 09:05 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Exception approved to move forward with previous cash out refi inXXXX on the 1st TD. Loan cannot be priced as Select. - Due Diligence Vendor-01/21/2025 |  | Waived-Cash Out is not completed according to the guideline requirements Exception approved to move forward with previous cash out refi in XXXX on the 1st TD. Loan cannot be priced as Select. - Due Diligence Vendor-01/21/2025 |  |  | Comp Factor #1: DTI < 10% from max: Audit DTI of 38.87%; maximum allowed is 50%<br> Comp Factor #2: CLTV < 60% : CLTV is 56.63%. Maximum allowed per guidelines is 80%.<br> Residual income > $6500 : Residual Income is $10,971.70 | CA | Primary Residence | Refinance | Cash Out - Other | 3242518 | Originator Post-Close | Yes |
| XXXX | xxxxxx9762 |  |  | Closed | 2025-01-13 04:58 | 2025-01-21 09:02 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received, XXXX is passing. - Due Diligence Vendor-01/21/2025 <br> Ready for Review-Document Uploaded. - Seller-01/16/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX. Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX(c) and Official Staff Commentary) Right to Cancel Expire Date XXXX which was rewritten by striking off original dates and mentioned/signed with initials of borrower is same as disbursement date XXXX. - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. - Seller-01/16/2025<br>| Resolved-PCCD received, XXXX is passing. - Due Diligence Vendor-01/21/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3189760 | N/A | N/A |
| XXXX | xxxxxx9762 |  |  | Closed | 2025-01-16 03:11 | 2025-01-21 03:41 | Resolved | 1 - Information C A | Credit | Credit | Missing underwriting exception form | Resolved-Underwriting exception form uploaded verified & entered in system - Resolved - Due Diligence Vendor-01/21/2025 <br> Ready for Review-Document Uploaded. - Seller-01/17/2025 <br> Open-Missing exception letter with composite factors referenced on 1008. Borrower had a refinance done in XXXX cash out, CES cash out not allow for consecutive cash out on 1st and this transaction. As per G/Ls, Maximum of two cash-out refinances within the last twelve (XXXX) months) allowed with a ≤ XXXX% CLTV on current refinance.<br> - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. - Seller-01/17/2025<br>| Resolved-Underwriting exception form uploaded verified & entered in system - Resolved - Due Diligence Vendor-01/21/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3217326 | N/A | N/A |
| XXXX | xxxxxx9762 |  |  | Closed | 2025-01-13 04:58 | 2025-01-15 09:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXXa)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'200<br> Rate lock date was entered correctly – see Pg#'s 193<br> An interior and exterior appraisal was completed for this property – see pg#15, <br> ECOA Appraisal Disclosure OR the LE's page as the page#333, 334. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 311. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-01/13/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'200<br> Rate lock date was entered correctly – see Pg#'s 193<br> An interior and exterior appraisal was completed for this property – see pg#15, <br> ECOA Appraisal Disclosure OR the LE's page as the page#333, 334. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 311. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-01/13/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3189759 | N/A | N/A |
| XXXX | xxxxxx9762 |  |  | Closed | 2025-01-13 04:58 | 2025-01-15 09:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'200<br> Rate lock date was entered correctly – see Pg#'s 193<br> An interior and exterior appraisal was completed for this property – see pg#15, <br> ECOA Appraisal Disclosure OR the LE's page as the page#333, 334. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 311. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-01/13/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'200<br> Rate lock date was entered correctly – see Pg#'s 193<br> An interior and exterior appraisal was completed for this property – see pg#15, <br> ECOA Appraisal Disclosure OR the LE's page as the page#333, 334. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 311. The loan meets XXXX guidelines, resolved. <br>- Due Diligence Vendor-01/13/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3189758 | N/A | N/A |
| XXXX | xxxxxx6492 |  |  | Closed | 2025-01-17 00:55 | 2025-01-28 06:19 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - Due Diligence Vendor-01/28/2025 <br> Ready for Review-Document Uploaded. - Seller-01/25/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Reinspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX(e)(3); XXXX)(4); XXXX)(2)(Provide COC for Re-Inspection Fee $XXXX added in revised CD dated XXXX. - Due Diligence Vendor-01/17/2025 | Ready for Review-Document Uploaded. - Seller-01/25/2025<br>| Resolved-Resolved - Due Diligence Vendor-01/28/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3227496 | N/A | N/A |
| XXXX | xxxxxx1128 |  |  | Closed | 2025-01-21 22:15 | 2025-02-07 11:40 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/06/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX(c) and Official Staff Commentary) Disbursement date is XXXX as per final cd page 213 is same as Right to cancel expiry date XXXX as per Right to cancel page 408, Provide PCCD<br> - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025<br>| Resolved-Resolved - Due Diligence Vendor-02/07/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3250270 | N/A | N/A |
| XXXX | xxxxxx1128 |  |  | Closed | 2025-01-21 22:21 | 2025-02-07 11:40 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/06/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX)(3); XXXX)(4); XXXX)(2)(v)). Appraisal Fee increased from $XXXX in Initial LE on page 369 to $XXXX in Initial CD page 218, Provide COC to cure this fee - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025<br>| Resolved-Resolved - Due Diligence Vendor-02/07/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3250380 | N/A | N/A |
| XXXX | xxxxxx1128 |  |  | Closed | 2025-01-24 11:14 | 2025-01-29 10:06 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Property more than 5 miles away from disaster zone. Current containment for XXXX fire XXXX% for the XXXX fire XXXX% - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. - Seller-01/27/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared XXXX without an Incident End Date with Public Assistance: XXXX and Individual Assistance: XXXX. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-01/27/2025<br>| Resolved-Property more than 5 miles away from disaster zone. Current containment for XXXX fire XXXX% for the XXXX fire XXXX% - Due Diligence Vendor-01/29/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3277998 | N/A | N/A |
| XXXX | xxxxxx4271 |  |  | Closed | 2025-01-23 02:40 | 2025-02-05 01:49 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Updated Master Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/05/2025 <br> Resolved-Master Policy Expiration Date of XXXX is Equal to or After the Transaction Date of XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Open-Master Policy Expiration Date of XXXX is Prior To the Transaction Date of XXXX Provide Renewal Master Policy. Master Policy Expiration Date of XXXX is Prior To the Transaction Date of XXXX. - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2025<br>| Resolved-Updated Master Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/05/2025 <br> Resolved-Master Policy Expiration Date of XXXX is Equal to or After the Transaction Date of XXXXOr Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-02/05/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3263988 | N/A | N/A |
| XXXX | xxxxxx4271 |  |  | Closed | 2025-01-23 02:33 | 2025-01-30 04:57 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-The property is verified to be a Site Condo, HOA Questionnaire is not required, Verified - Resolved - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. - Seller-01/29/2025 <br>Ready for Review-This is a detached condo and a condo questionnaire is not required. - Seller-01/29/2025 <br>Open-HOA Questionnaire is Missing or Partial. Provide Condo Questionnaire. Condo Questionnaire Missing. - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. - Seller-01/29/2025 <br>Ready for Review-This is a detached condo and a condo questionnaire is not required. - Seller-01/29/2025<br>| Resolved-The property is verified to be a Site Condo, HOA Questionnaire is not required, Verified - Resolved - Due Diligence Vendor-01/30/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3263971 | N/A | N/A |
| XXXX | xxxxxx0414 |  |  | Closed | 2025-01-27 21:11 | 2025-02-18 06:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. - Seller-01/31/2025 <br> Open-The Final 1003 is Incomplete Years in industry (employment line of work) is reflecting as 20 years per 1003, whereas calculated years in job reflecting as XXXX years from date of employment. - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. - Seller-01/31/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3292790 | N/A | N/A |
| XXXX | xxxxxx0414 |  |  | Closed | 2025-02-04 08:01 | 2025-02-18 06:16 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. - Seller-02/14/2025 <br> Counter-PCCD has a credit but because it is not fee specific XXXX is excluding it. Need a PCCD that reflects which fees the credit was applied to" or something similar.<br> - Due Diligence Vendor-02/12/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (XXXX(i)(2);XXXX(2)(ii)-1) - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. - Seller-02/14/2025<br>| Resolved-. - Due Diligence Vendor-02/18/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3344857 | N/A | N/A |
| XXXX | xxxxxx0414 |  |  | Closed | 2025-02-04 08:01 | 2025-02-11 16:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved with PCCD - Due Diligence Vendor-02/11/2025 <br> Open-opening to run - Due Diligence Vendor-02/11/2025 <br> Counter- - Due Diligence Vendor-02/10/2025 <br> Counter- - Due Diligence Vendor-02/10/2025 <br> Counter-Taxes are showing to be paid at closing on the initial CD which is why a COC is needed. The PCCD is not resolving the issue. - Due Diligence Vendor-02/10/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX (e)(3); XXXX(e)(4); XXXXf)(2)(v)). - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. - Seller-02/06/2025 <br> Ready for Review-Document Uploaded. Taxes - Supplemental to XXXX County Tax Collector for $XXXX is POC. See attached - Seller-02/05/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX (e)(3);XXXX (e)(4); XXXX(f)(2)(v)). Missing COC for Taxes - Supplemental to XXXX County Tax Collector for $XXXX on initial CD which is not reference on revised LE. - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025 <br> Ready for Review-Document Uploaded. Taxes - Supplemental to XXXX County Tax Collector for $XXXX is POC. See attached - Seller-02/05/2025 | Resolved-Resolved with PCCD - Due Diligence Vendor-02/11/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3344856 | N/A | N/A |
| XXXX | xxxxxx0414 |  |  | Closed | 2025-01-27 23:11 | 2025-02-04 08:01 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. - Seller-01/31/2025 <br> Open-The disclosed "Right to Cancel Expire Date" (XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XXXX(c) and Official Staff Commentary) As per Trid documents, disbursement date is on XXXX and per Right to cancel document, cancel date is date is on 01/21/2025. Require Final CD or PCCD with corrected disbursement date which has to be after cancel date. - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. - Seller-01/31/2025<br>| Resolved-. - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3293380 | N/A | N/A |
| XXXX | xxxxxx0414 |  |  | Closed | 2025-01-27 23:11 | 2025-02-18 06:17 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-Meets HPML Req - Due Diligence Vendor-02/18/2025 <br> Resolved-Meets HPML Req - Due Diligence Vendor-02/11/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'104 Rate lock date was entered correctly – see Pg#'s 102 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#336. confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved<br> - Due Diligence Vendor-02/10/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a);XXXX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXXsome lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'104 Rate lock date was entered correctly – see Pg#'s 102 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#336. confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved<br> - Due Diligence Vendor-02/04/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a);XXXX (iii)) This loan failed the higher-priced mortgage loan test. (XXXX (1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'104<br> Rate lock date was entered correctly – see Pg#'s 102<br> An interior and exterior appraisal was completed for this property – see pg#14, <br> ECOA Appraisal Disclosure OR the LE's page as the page#336. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved <br> - Due Diligence Vendor-01/28/2025 |  | Resolved-Meets HPML Req - Due Diligence Vendor-02/18/2025 <br> Resolved-Meets HPML Req - Due Diligence Vendor-02/11/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'104 Rate lock date was entered correctly – see Pg#'s 102 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#336. confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved<br> - Due Diligence Vendor-02/10/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'104 Rate lock date was entered correctly – see Pg#'s 102 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#336. confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved<br> - Due Diligence Vendor-02/04/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'104<br> Rate lock date was entered correctly – see Pg#'s 102<br> An interior and exterior appraisal was completed for this property – see pg#14, <br> ECOA Appraisal Disclosure OR the LE's page as the page#336. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved <br> - Due Diligence Vendor-01/28/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3293378 | N/A | N/A |
| XXXX | xxxxxx0414 |  |  | Closed | 2025-01-27 23:11 | 2025-02-18 06:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-Meets HPML Req - Due Diligence Vendor-02/18/2025 <br> Resolved-Meets HPML Req - Due Diligence Vendor-02/11/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'104 Rate lock date was entered correctly – see Pg#'s 102 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#336. confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets XXXX guidelines, resolved<br> - Due Diligence Vendor-02/10/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXXa)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'104 Rate lock date was entered correctly – see Pg#'s 102 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#336. confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved<br> - Due Diligence Vendor-02/04/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'104<br> Rate lock date was entered correctly – see Pg#'s 102<br> An interior and exterior appraisal was completed for this property – see pg#14, <br> ECOA Appraisal Disclosure OR the LE's page as the page#336. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved <br> - Due Diligence Vendor-01/28/2025 |  | Resolved-Meets HPML Req - Due Diligence Vendor-02/18/2025 <br> Resolved-Meets HPML Req - Due Diligence Vendor-02/11/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'104 Rate lock date was entered correctly – see Pg#'s 102 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#336. confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved<br> - Due Diligence Vendor-02/10/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'104 Rate lock date was entered correctly – see Pg#'s 102 An interior and exterior appraisal was completed for this property – see pg#14, ECOA Appraisal Disclosure OR the LE's page as the page#336. confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved<br> - Due Diligence Vendor-02/04/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'104<br> Rate lock date was entered correctly – see Pg#'s 102<br> An interior and exterior appraisal was completed for this property – see pg#14, <br> ECOA Appraisal Disclosure OR the LE's page as the page#336. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 319. The loan meets HPML guidelines, resolved <br> - Due Diligence Vendor-01/28/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3293376 | N/A | N/A |
| XXXX | xxxxxx9851 |  |  | Closed | 2025-01-28 02:52 | 2025-02-06 12:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. - Seller-02/04/2025 <br>Open-The Initial 1003 is Missing Provide initial 1003 for borrower 2 missing in file - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/06/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3293746 | N/A | N/A |
| XXXX | xxxxxx9851 |  |  | Closed | 2025-01-30 12:43 | 2025-02-04 09:35 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-PDI does not show any damage to the property or on the report. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. - Seller-02/03/2025 <br> Open-<br> Property potentially affected by FEMA Disaster ID XXXX. XXXX, XXXX - DeclaredXXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. - Seller-02/03/2025<br>| Resolved-PDI does not show any damage to the property or on the report. - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3320028 | N/A | N/A |
| XXXX | xxxxxx9851 |  |  | Closed | 2025-01-28 05:25 | 2025-01-31 10:53 | Resolved | 1 - Information B A | Compliance | Compliance | TRID CD disclosure violation; missing partial payment policy information on Closing Disclosure. | Resolved-PCCD uploaded. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. - Seller-01/30/2025 <br>Open-Partial payment section not completed in final CD, Page#353. Provide updated document - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. - Seller-01/30/2025<br>| Resolved-PCCD uploaded. - Due Diligence Vendor-01/31/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3294115 | N/A | N/A |
| XXXX | xxxxxx8493 |  |  | Closed | 2025-01-29 22:38 | 2025-02-06 01:39 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. - Seller-02/05/2025 <br> Open-Provide Secondary Valuation or Additional Valuation per guideline requirements, CU Score XXXX is greater than XXXX. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. - Seller-02/05/2025<br>| Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/06/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3313299 | N/A | N/A |
| XXXX | xxxxxx8493 |  |  | Closed | 2025-01-29 20:47 | 2025-02-04 01:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. - Seller-02/03/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income Calculation Worksheet. Lender Income Calculation Worksheet Missing. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. - Seller-02/03/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3313029 | N/A | N/A |
| XXXX | xxxxxx1070 |  |  | Closed | 2025-01-30 12:42 | 2025-02-04 09:29 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Appraisal completed XXXX shows no damage to the property. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. PDI is sufficient and this was discussed with Selene management that due to the size of XXXX County, loans on the opposite end of XXXX county will not be held. in loan package page 88 - Seller-01/31/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. PDI is sufficient and this was discussed with Selene management that due to the size of XXXX County, loans on the opposite end of XXXX county will not be held. in loan package page 88 - Seller-01/31/2025 | Resolved-Appraisal completed XXXX shows no damage to the property. - Due Diligence Vendor-02/04/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3320015 | N/A | N/A |
| XXXX | xxxxxx1449 |  |  | Closed | 2025-01-30 00:34 | 2025-02-04 08:01 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. Loan did not fund until XXXX. Please see PCCD - Seller-01/31/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX(c) and Official Staff Commentary) Disbursement date is XXXX as per final cd page 125 is same as Right to cancel expiry date XXXX as per Right to cancel page 330, Provide PCCD - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Loan did not fund until XXXX. Please see PCCD - Seller-01/31/2025 | Resolved-Resolved - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3313598 | N/A | N/A |
| XXXX | xxxxxx1449 |  |  | Closed | 2025-01-29 22:48 | 2025-02-03 02:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/03/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. - Seller-01/31/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Provide updated title with the coverage amount as the provided one on page 424 and Supplemental report on page 457 not reflecting loan amount. <br> - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. - Seller-01/31/2025<br>| Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/03/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/03/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3313324 | N/A | N/A |
| XXXX | xxxxxx0321 |  |  | Closed | 2025-01-31 00:37 | 2025-02-18 12:17 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD. - Seller-02/14/2025 <br> Counter-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX(c) and Official Staff Commentary)<br> - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. - Seller-02/12/2025 <br> Counter-The updated Notice of Right to Cancel is missing for the Non-borrowing spouse.<br> - Due Diligence Vendor-02/12/2025 <br> Ready for Review-THIS WAS CAUGHT AT CLOSING AND CORRECTED. - Seller-02/10/2025 <br> Open-The loan disbursement date XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX(c) and Official Staff Commentary) Right of recession fail, Right to Cancel Expire Date" (XXXX) is updated per RTC on page#454, 455 whereas system calculated to 01/17/2024 - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. Please see attached PCCD. - Seller-02/14/2025 <br>Ready for Review-Document Uploaded. - Seller-02/12/2025 <br>Ready for Review-THIS WAS CAUGHT AT CLOSING AND CORRECTED. - Seller-02/10/2025<br>| Resolved-Resolved - Due Diligence Vendor-02/18/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3323451 | N/A | N/A |
| XXXX | xxxxxx0321 |  |  | Closed | 2025-01-31 00:37 | 2025-02-13 07:22 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Resolved with updated Notice of Right to Cancel. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. - Seller-02/12/2025 <br> Counter-The updated Notice of Right to Cancel is missing for the Non-borrowing spouse. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. THIS WAS CAUGHT AT CLOSING AND CORRECTED - Seller-02/10/2025 <br> Open-The disclosed "Right to Cancel Expire Date" (XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. XXXX(c) and Official Staff Commentary) Right of recession fail, Right to Cancel Expire Date" (XXXX) is updated per RTC on page#454, 455 whereas system calculated to 01/17/2024 - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. - Seller-02/12/2025 <br>Ready for Review-Document Uploaded. THIS WAS CAUGHT AT CLOSING AND CORRECTED - Seller-02/10/2025<br>| Resolved-Resolved with updated Notice of Right to Cancel. - Due Diligence Vendor-02/13/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3323452 | N/A | N/A |
| XXXX | xxxxxx0321 |  |  | Closed | 2025-02-04 13:46 | 2025-02-07 10:50 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-PDI shows no damage on the report or pictures. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/06/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025<br>| Resolved-PDI shows no damage on the report or pictures. - Due Diligence Vendor-02/07/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3349456 | N/A | N/A |
| XXXX | xxxxxx4218 |  |  | Closed | 2025-02-28 07:09 | 2025-09-10 15:38 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. 1003 attached for both bwrs with ethnicity updated. - Seller-02/28/2025 <br>Open-Borrower 1 Ethnicity Selection is Not Provided Borrower 1 & 2 Ethnicity missing. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. 1003 attached for both bwrs with ethnicity updated. - Seller-02/28/2025<br>| Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3500564 | N/A | N/A |
| XXXX | xxxxxx3482 |  |  | Closed | 2025-03-04 04:57 | 2025-03-07 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/07/2025 <br>Resolved-Client response and updated docs have been reviewed. LM has been updated. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. - Seller-03/04/2025 <br>Open-The 1008 document is missing from the loan file. The provided 1008 does not account for the taxes and insurance for the property. Neither are included in the primary or secondary PITIA on the 1008 or approval - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/07/2025 <br>Resolved-Client response and updated docs have been reviewed. LM has been updated. - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3519824 | N/A | N/A |
| XXXX | xxxxxx3482 |  |  | Closed | 2025-02-28 05:05 | 2025-03-05 03:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Borrower expense factor is XXXX% as per the loan program. However, the provided worksheet is showing a XXXX% expense factor causing the monthly income discrepancy with the 1008 document and 1003 document income. Provide updated worksheet with 60% expense factor - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3499675 | N/A | N/A |
| XXXX | xxxxxx4374 |  |  | Closed | 2025-02-27 07:18 | 2025-03-05 09:53 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Open-The loan disbursement date (XXXX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX(c) and Official Staff Commentary) Provided Right to cancel Expire Date is same as the loan disbursement date (XXXX), Provide updated Right to Cancel - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Resolved - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3491272 | N/A | N/A |
| XXXX | xxxxxx4488 |  |  | Closed | 2025-02-28 00:44 | 2025-03-11 06:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right of rescission received. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Open-Right of Rescission is Missing Missing Right of Rescission document in the file. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Right of rescission received. - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3499014 | N/A | N/A |
| XXXX | xxxxxx4488 |  |  | Closed | 2025-03-11 06:25 | 2025-03-11 06:27 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-. - Due Diligence Vendor-03/11/2025 <br> Open-Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by XXXX unit dwelling on real property located in XXXX prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (XXXX) . - Due Diligence Vendor-03/11/2025 |  | Resolved-. - Due Diligence Vendor-03/11/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3578930 | N/A | N/A |
| XXXX | xxxxxx4488 |  |  | Closed | 2025-02-28 00:37 | 2025-03-11 06:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received with correct dates - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open-TRID: Missing Final Closing Disclosure Note date or Closing date is XXXX Disbursement date and Prepaid interest dates areXXXX whereas Notary and all docs are signed on XXXX, hence required updated Final CD with correct dates, as disbursement date is showing before the signed date. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-PCCD received with correct dates - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3499006 | N/A | N/A |
| XXXX | xxxxxx4488 |  |  | Closed | 2025-02-27 22:31 | 2025-03-10 03:44 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated Title Supplemental Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/10/2025 <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Open-Property Title Issue Notice of utility lien on title pg#410-411, which showing payment is still due. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Updated Title Supplemental Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/10/2025 <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3498706 | N/A | N/A |
| XXXX | xxxxxx4488 |  |  | Closed | 2025-02-28 00:24 | 2025-03-11 06:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 170, Rate lock date was entered correctly – see Pg#'s 162 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#369, 370 and confirmation the appraisal was delivered to the borrower – see Pg#'s 15. The loan meets HPML guidelines.<br> - Due Diligence Vendor-03/11/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 170, Rate lock date was entered correctly – see Pg#'s 162 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#369, 370 and confirmation the appraisal was delivered to the borrower – see Pg#'s 15. The loan meets HPML guidelines. - Due Diligence Vendor-02/28/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 170, Rate lock date was entered correctly – see Pg#'s 162 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#369, 370 and confirmation the appraisal was delivered to the borrower – see Pg#'s 15. The loan meets HPML guidelines.<br> - Due Diligence Vendor-03/11/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX)(iii)) This loan failed the higher-priced mortgage loan test. XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXXsome lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 170, Rate lock date was entered correctly – see Pg#'s 162 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#369, 370 and confirmation the appraisal was delivered to the borrower – see Pg#'s 15. The loan meets HPML guidelines. - Due Diligence Vendor-02/28/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3498969 | N/A | N/A |
| XXXX | xxxxxx4488 |  |  | Closed | 2025-02-28 00:24 | 2025-03-11 06:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 170, Rate lock date was entered correctly – see Pg#'s 162 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#369, 370 and confirmation the appraisal was delivered to the borrower – see Pg#'s 15. The loan meets HPML guidelines.<br> - Due Diligence Vendor-03/11/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 170, Rate lock date was entered correctly – see Pg#'s 162 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#369, 370 and confirmation the appraisal was delivered to the borrower – see Pg#'s 15. The loan meets HPML guidelines. - Due Diligence Vendor-02/28/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 170, Rate lock date was entered correctly – see Pg#'s 162 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#369, 370 and confirmation the appraisal was delivered to the borrower – see Pg#'s 15. The loan meets XXXX guidelines.<br> - Due Diligence Vendor-03/11/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 170, Rate lock date was entered correctly – see Pg#'s 162 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#369, 370 and confirmation the appraisal was delivered to the borrower – see Pg#'s 15. The loan meets HPML guidelines. - Due Diligence Vendor-02/28/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3498968 | N/A | N/A |
| XXXX | xxxxxx2076 |  |  | Closed | 2025-02-27 22:47 | 2025-03-04 06:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. Both borrowers are Self-Employed. Self-Employed documents are on pages 352 - 363 of our package. - Seller-03/03/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing in file.<br> - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Both borrowers are Self-Employed. Self-Employed documents are on pages 352 - 363 of our package. - Seller-03/03/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 3498739 | N/A | N/A |
| XXXX | xxxxxx2076 |  |  | Closed | 2025-02-27 22:47 | 2025-03-04 06:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. Both borrowers are Self-Employed. Self-Employed documents are on pages 352 - 363 of our package. - Seller-03/03/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing is missing in file. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Both borrowers are Self-Employed. Self-Employed documents are on pages 352 - 363 of our package. - Seller-03/03/2025<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 3498741 | N/A | N/A |
| XXXX | xxxxxx2076 |  |  | Closed | 2025-02-28 00:04 | 2025-02-28 00:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'72<br> Rate lock date was entered correctly – see Pg#'s 69<br> An interior and exterior appraisal was completed for this property – see pg#31, <br> ECOA Appraisal Disclosure OR the LE's page as the page#304.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 27.<br> - Due Diligence Vendor-02/28/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'72<br> Rate lock date was entered correctly – see Pg#'s 69<br> An interior and exterior appraisal was completed for this property – see pg#31, <br> ECOA Appraisal Disclosure OR the LE's page as the page#304.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 27.<br> - Due Diligence Vendor-02/28/2025 |  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 3498917 | N/A | N/A |
| XXXX | xxxxxx4876 |  |  | Closed | 2025-03-04 12:10 | 2025-03-25 08:47 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Signed by BorrowerXXXX - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-Borrower 1 Tax Returns Not Signed Requesting signed and dated by Borrower: Profit and Loss' XXXX andXXXX . - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Signed by Borrower XXXX Profit and Loss' XXXX - Due Diligence Vendor-03/25/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3525383 | N/A | N/A |
| XXXX | xxxxxx4876 |  |  | Closed | 2025-03-04 10:41 | 2025-03-25 08:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-UCC Termination Recording XXXX - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-Title Document is Incomplete Page 786 UCC Financing Statement XXXX, date cutoff Termination Filing. Requesting Title Supplement Schedule B Requirement #9 UCC Financing not on Final Title Policy or Subordination Agreement. <br> - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-UCC Termination Recording XXXX - Due Diligence Vendor-03/25/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3524018 | N/A | N/A |
| XXXX | xxxxxx4876 |  |  | Closed | 2025-03-04 14:43 | 2025-03-06 10:39 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-per appraisal dated XXXX property shows no damage. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Hi, please check the Appraisal. It is as ofXXXX This is way after the incident. Appraisal show no damage. - Seller-03/05/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX, CA - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-03/04/2025 | Ready for Review-Hi, please check the Appraisal. It is as ofXXXX. This is way after the incident. Appraisal show no damage. - Seller-03/05/2025 | Resolved-per appraisal dated XXXX property shows no damage. - Due Diligence Vendor-03/06/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3527213 | N/A | N/A |
| XXXX | xxxxxx5306 |  |  | Closed | 2025-03-04 05:40 | 2025-03-10 08:45 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Client clarification along with impound verification provided. Resolved - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. An updated 1008 is now in file. The first is impounded so there will be no taxes or hoi on the form. Please see subj mtg coupon. - Seller-03/06/2025 <br>Open-The 1008 document is missing from the loan file. The provided 1008 does not account for the taxes and insurance for the property in either the primary or secondary PITIA. Request to recalculate - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. An updated 1008 is now in file. The first is impounded so there will be no taxes or hoi on the form. Please see subj mtg coupon. - Seller-03/06/2025<br>| Resolved-Client clarification along with impound verification provided. Resolved - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3520050 | N/A | N/A |
| XXXX | xxxxxx5306 |  |  | Closed | 2025-03-03 02:14 | 2025-03-04 22:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 98, Rate lock date was entered correctly – see Pg#'s 287, 291, An interior and exterior appraisal was completed for this property – see pg#28, ECOA Appraisal Disclosure OR the LE's page as the page#330, 331 and confirmation the appraisal was delivered to the borrower – see Pg#'s 122. The loan meets HPML guidelines. - Due Diligence Vendor-03/03/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 98, Rate lock date was entered correctly – see Pg#'s 287, 291, An interior and exterior appraisal was completed for this property – see pg#28, ECOA Appraisal Disclosure OR the LE's page as the page#330, 331 and confirmation the appraisal was delivered to the borrower – see Pg#'s 122. The loan meets HPML guidelines. - Due Diligence Vendor-03/03/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3509991 | N/A | N/A |
| XXXX | xxxxxx5306 |  |  | Closed | 2025-03-03 02:14 | 2025-03-04 22:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 98, Rate lock date was entered correctly – see Pg#'s 287, 291, An interior and exterior appraisal was completed for this property – see pg#28, ECOA Appraisal Disclosure OR the LE's page as the page#330, 331 and confirmation the appraisal was delivered to the borrower – see Pg#'s 122. The loan meets HPML guidelines. - Due Diligence Vendor-03/03/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 98, Rate lock date was entered correctly – see Pg#'s 287, 291, An interior and exterior appraisal was completed for this property – see pg#28, ECOA Appraisal Disclosure OR the LE's page as the page#330, 331 and confirmation the appraisal was delivered to the borrower – see Pg#'s 122. The loan meets HPML guidelines. - Due Diligence Vendor-03/03/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3509992 | N/A | N/A |
| XXXX | xxxxxx1410 |  |  | Closed | 2025-03-02 19:31 | 2025-03-17 11:31 | Resolved | 1 - Information C A | Compliance | HigherRisk:APR | Connecticut - Nonprime Home Loan (Junior Lien) (XXXX) | Resolved-The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/17/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg 292 An interior and exterior appraisal was completed for this property – see pg 34, 68, 74, ECOA Appraisal Disclosure provided on page 31, 32, 600, 601 and the copy of appraisal sent to borrower confirmation page 28-30. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/14/2025 <br> Open-This is a Connecticut Nonprime Home Loan. The loan's (XXXX%) APR equals or exceeds the Connecticut Nonprime Home Loan threshold of (XXXX%). The difference is (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%). (Conn. Gen. .XXXX) Verified APR (XXXX%) is accurate per Final CD & LM. - Due Diligence Vendor-03/03/2025 |  | Resolved-The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-03/17/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg 292 An interior and exterior appraisal was completed for this property – see pg 34, 68, 74, ECOA Appraisal Disclosure provided on page 31, 32, 600, 601 and the copy of appraisal sent to borrower confirmation page 28-30. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/14/2025 |  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 3509298 | N/A | N/A |
| XXXX | xxxxxx1410 |  |  | Closed | 2025-03-02 19:31 | 2025-03-13 06:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Revised CD received to pair with COC - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. - Seller-03/11/2025 <br> Counter-COC is not within 3 business days per regulation requirements, it is dated P223:P226but CD is dated XXXX which is out of 3 day limit for COC's. Need corrected COC - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/05/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Field Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX)(3);XXXX)(4); XXXX f)(2)(v)). Provide COC for Re-Inspection/Appraisal Field Review Fee Increased from $XXXX to $XXXX in Final CD. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/05/2025<br>| Resolved-Revised CD received to pair with COC - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 3509294 | N/A | N/A |
| XXXX | xxxxxx1410 |  |  | Closed | 2025-03-01 21:11 | 2025-03-12 07:43 | Resolved | 1 - Information C A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-Review Product 1 Valuation is Not Expired Or Review Product 1 Valuation Does Not Exist. Updated review received. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/11/2025 <br> Counter-The attached re-certification of value is for the primary valuation. We need an updated Review Product 1 Valuation which is Expired (Review Product 1 Valuation Date is greater than 120 days from the Note Date of XXXX. Days Difference is 149) Provide Secondary valuation or additional valuation. Fannie SSR/CU available on page 402 is expired. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/05/2025 <br> Open-Review Product 1 Valuation is Expired (Review Product 1 Valuation Date is greater than 120 days from the Note Date of XXXXDays Difference is XXXX) Provide Secondary valuation or additional valuation. Fannie SSR/CU available on page 402 is expired. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/05/2025<br>| Resolved-Review Product 1 Valuation is Not Expired Or Review Product 1 Valuation Does Not Exist. Updated review received. - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 3508622 | N/A | N/A |
| XXXX | xxxxxx1410 |  |  | Closed | 2025-03-03 14:02 | 2025-03-06 06:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/04/2025 <br>Open-The Initial 1003 is Missing Initial 1003 missing for B2. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 3516767 | N/A | N/A |
| XXXX | xxxxxx1410 |  |  | Closed | 2025-03-01 19:09 | 2025-03-05 23:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Final Title Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/06/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/05/2025 <br>Open-Title Document is Incomplete Provide Complete Title Commitment. Title Commitment in file have only 1 page. - Due Diligence Vendor-03/02/2025 | Ready for Review-Document Uploaded. - Seller-03/05/2025<br>| Resolved-Final Title Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/06/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 3508614 | N/A | N/A |
| XXXX | xxxxxx1410 |  |  | Closed | 2025-03-02 19:31 | 2025-03-17 11:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/17/2025 <br> Resolved-The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/13/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg 292 An interior and exterior appraisal was completed for this property – see pg 34, 68, 74, ECOA Appraisal Disclosure provided on page 31, 32, 600, 601 and the copy of appraisal sent to borrower confirmation page 28-30. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-03/06/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg 292 An interior and exterior appraisal was completed for this property – see pg 34, 68, 74, ECOA Appraisal Disclosure provided on page 31, 32, 600, 601 and the copy of appraisal sent to borrower confirmation page 28-30. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/03/2025 |  | Resolved-The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/17/2025 <br> Resolved-The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-03/13/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg 292 An interior and exterior appraisal was completed for this property – see pg 34, 68, 74, ECOA Appraisal Disclosure provided on page 31, 32, 600, 601 and the copy of appraisal sent to borrower confirmation page 28-30. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-03/06/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg 292 An interior and exterior appraisal was completed for this property – see pg 34, 68, 74, ECOA Appraisal Disclosure provided on page 31, 32, 600, 601 and the copy of appraisal sent to borrower confirmation page 28-30. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/03/2025 |  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 3509296 | N/A | N/A |
| XXXX | xxxxxx5159 |  |  | Closed | 2025-03-03 09:06 | 2025-03-10 08:27 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Open-The 1008 document is missing from the loan file. The provided 1008 does not list the subject's taxes and insurance included in the P&I for the primary or subordinate lien - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3512644 | N/A | N/A |
| XXXX | xxxxxx5159 |  |  | Closed | 2025-03-03 00:08 | 2025-03-03 00:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(iii)) The comparable APOR for this loan is (XXXX%).XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s 88 An interior and exterior appraisal was completed for this property – see pg#37, ECOA Appraisal Disclosure provided on page 310-311. The copy of appraisal sent to borrower confirmation page#117. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/03/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(iii)) The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s 88 An interior and exterior appraisal was completed for this property – see pg#37, ECOA Appraisal Disclosure provided on page 310-311. The copy of appraisal sent to borrower confirmation page#117. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/03/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3509689 | N/A | N/A |
| XXXX | xxxxxx5159 |  |  | Closed | 2025-03-03 00:08 | 2025-03-03 00:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX(a)(iii)) The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s 88 An interior and exterior appraisal was completed for this property – see pg#37, ECOA Appraisal Disclosure provided on page 310-311. The copy of appraisal sent to borrower confirmation page#117. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/03/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); XXXX)(iii)) The comparable APOR for this loan is (XXXX%).(XXXX)(1)(iii)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s 88 An interior and exterior appraisal was completed for this property – see pg#37, ECOA Appraisal Disclosure provided on page 310-311. The copy of appraisal sent to borrower confirmation page#117. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/03/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3509690 | N/A | N/A |
| XXXX | xxxxxx0325 |  |  | Closed | 2025-03-03 22:22 | 2025-03-12 05:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Document has been received. LauraMac has been updated - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/10/2025 <br> Counter-The uploaded XXXX indicates a settlement date of 01/09/2024. The correct year should be XXXX . Please advise - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open-Final HUD-1 Document is Missing. Provide Updated Final HUD-1 with correct settlement date as the provided one on page XXXX reflecting settlement date is XXXX which in incorrect, note date is XXXX - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Document has been received. LauraMac has been updated - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3518662 | N/A | N/A |
| XXXX | xxxxxx0325 |  |  | Closed | 2025-03-03 22:43 | 2025-03-06 09:48 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception is on page XXXX Approved for less than XXXX months seasoning from property being listed for sale, and exception approved for a cash out refinance on a vacant property. - Due Diligence Vendor-03/04/2025 |  | Waived-Exception is on page XXXX Approved for less than XXXX months seasoning from property being listed for sale, and exception approved for a cash out refinance on a XXXX property. - Due Diligence Vendor-03/04/2025 |  |  | 1. Fico 764-44 Points above 720, our calculated Fico score is 764 Minimum required per guideline is 740<br> 2. LTV Lower - Under 60% LTV, our calculated LTV is 15.63 and CLTV is 58.33 Maximum allowed per guideline is 75%<br> 3. DSCR from 1007 - at least 1.05, our calculated DSCR is Rent $3850/Pitia $3515.47 = $1.095 Minimum required per guideline is 1 | CA | Investment | Refinance | Cash Out - Other | 3518726 | Originator Pre-Close | Yes |
| XXXX | xxxxxx5288 |  |  | Closed | 2025-03-05 22:47 | 2025-03-12 02:17 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/12/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/11/2025 <br> Open-The 1008 document is missing from the loan file. XXXX shows P&I amount of $XXXX whereas all other final documents (loan program, note, final cd first payment letter) shows $XXXX . provide updated 1008 with correct P&I amount. - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. - Seller-03/11/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/12/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/12/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3539862 | N/A | N/A |
| XXXX | xxxxxx5054 |  |  | Closed | 2025-03-08 02:28 | 2025-03-14 04:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 XXXX Letter Provided - Due Diligence Vendor-03/14/2025 <br> Resolved-CPA letter received and reviewed. XXXX has been updated - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/13/2025 <br> Open-Borrower 1 XXXX Letter Missing Borrower XXXX letter regarding his business is missing in file. - Due Diligence Vendor-03/08/2025 | Ready for Review-Document Uploaded. - Seller-03/13/2025<br>| Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-03/14/2025 <br>Resolved-CPA letter received and reviewed. LM has been updated - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 3563304 | N/A | N/A |
| XXXX | xxxxxx7178 |  |  | Closed | 2025-03-14 03:24 | 2025-03-18 06:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-The policy is an XXXX as there is a master policy to cover the Coverage amount, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/18/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'XXXX ') - Due Diligence Vendor-03/18/2025 <br> Ready for Review-The policy is an HO6 as there is a master policy for common areas. - Seller-03/17/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'XXXX ' Provided Coverage is less than Loan Amount to cover for any Dwelling, as per insurance the Insurance Company is providing a Dwelling Limit only upto $XXXX and no XXXX in the file. We need XXXX to be made available to cover any requirements for Loan Amount - Due Diligence Vendor-03/14/2025 | Ready for Review-The policy is an XXXX as there is a master policy for common areas. - Seller-03/17/2025 | Resolved-The policy is an XXXX as there is a master policy to cover the Coverage amount, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/18/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'XXXX ') - Due Diligence Vendor-03/18/2025 |  |  |  | CO | Investment | Refinance | Cash Out - Other | 3610470 | N/A | N/A |
| XXXX | xxxxxx8844 |  |  | Closed | 2025-03-14 06:46 | 2025-03-17 13:51 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-03/17/2025 <br> Open-The loan's (XXXX %) APR equals or exceeds the XXXX XXXXthreshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) . - Due Diligence Vendor-03/17/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).XXXX). This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not required to escrow on 2nd lien. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-03/14/2025 |  | Resolved-The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-03/17/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX). This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not required to escrow on XXXX lien. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-03/14/2025 |  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 3611698 | N/A | N/A |
| XXXX | xxxxxx8844 |  |  | Closed | 2025-03-11 00:12 | 2025-03-17 13:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Partial payments identified on XXXX - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Counter-Partial payments is not identified on final CD. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-uploaded closing package - Seller-03/13/2025 <br> Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Ready for Review-uploaded XXXX package - Seller-03/13/2025 | Resolved-Partial payments identified on XXXX - Due Diligence Vendor-03/17/2025 | XXXX |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 3577389 | N/A | N/A |
| XXXX | xxxxxx8844 |  |  | Closed | 2025-03-14 06:46 | 2025-03-17 13:50 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-COC received - Due Diligence Vendor-03/17/2025 <br> Ready for Review-COC on page XXXX of loan package - Seller-03/14/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX); XXXX); XXXX). COC missing for points added to revised loan estimate. - Due Diligence Vendor-03/14/2025 | Ready for Review-COC on page XXXX of loan package - Seller-03/14/2025 | Resolved-COC received - Due Diligence Vendor-03/17/2025<br>| XXXX |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 3611697 | N/A | N/A |
| XXXX | xxxxxx8844 |  |  | Closed | 2025-03-10 23:05 | 2025-03-17 13:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-03/14/2025 <br> Ready for Review-uploaded to file uploads - Seller-03/13/2025 <br> Open-The Note is Missing - Due Diligence Vendor-03/11/2025 | Ready for Review-uploaded to file uploads - Seller-03/13/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-03/14/2025<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 3577197 | N/A | N/A |
| XXXX | xxxxxx8844 |  |  | Closed | 2025-03-11 00:38 | 2025-03-14 06:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right of recession received - Due Diligence Vendor-03/14/2025 <br> Ready for Review-uploaded to file uploads - Seller-03/13/2025 <br> Open-Right of Rescission is Missing Missing notice of right to cancel or XXXX of XXXX document in the file - Due Diligence Vendor-03/11/2025 | Ready for Review-uploaded to file uploads - Seller-03/13/2025<br>| Resolved-Right of recession received - Due Diligence Vendor-03/14/2025<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 3577479 | N/A | N/A |
| XXXX | xxxxxx8844 |  |  | Closed | 2025-03-10 23:00 | 2025-03-14 06:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/14/2025 <br> Ready for Review-uploaded the full closing package to uploads - Seller-03/13/2025 <br> Open-The Final 1003 is Missing - Due Diligence Vendor-03/11/2025 | Ready for Review-uploaded the XXXX XXXX XXXX to uploads - Seller-03/13/2025 | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/14/2025<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 3577181 | N/A | N/A |
| XXXX | xxxxxx5319 |  |  | Closed | 2025-03-11 01:04 | 2025-03-19 14:20 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Updated Initial 1003 uploaded. Resolved. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Initial 1003 is missing with LO signature on both XXXX and XXXX initial XXXX . - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Updated Initial 1003 uploaded. Resolved. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3577569 | N/A | N/A |
| XXXX | xxxxxx5319 |  |  | Closed | 2025-03-10 23:56 | 2025-03-18 02:50 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying Method considered as Lowest XXXX , Qualifying XXXX on the 1008 Page is 'XXXX ' matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-03/18/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX ' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX ' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO per 1008 Page is 'XXXX ' , whereas Qualifying FICO from the Credit Liabilities Page is 'XXXX ' which is not matching by selecting FICO method as Primary wage earner. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Qualifying Method considered as Lowest XXXX , Qualifying FICO on the 1008 Page is 'XXXX ' matches the Qualifying XXXX from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-03/18/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-03/18/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3577334 | N/A | N/A |
| XXXX | xxxxxx5319 |  |  | Closed | 2025-03-10 23:23 | 2025-03-17 05:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-XXXX & Business Search provided confirming Borrower as the owner of the business. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Open-Borrower 1 CPA Letter Missing Borrower 1 XXXX Letter is Missing to verify the ownership in business. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Resolved-VOE & Business Search provided confirming Borrower as the owner of the business. - Due Diligence Vendor-03/17/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3577241 | N/A | N/A |
| XXXX | xxxxxx3197 |  |  | Closed | 2025-03-13 01:00 | 2025-04-10 07:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Open-The Final 1003 is Incomplete Final 1003 B2 is reflecting current residence as owned, but REO and declarations does not reflect info XXXX has a owned property. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3599136 | N/A | N/A |
| XXXX | xxxxxx3197 |  |  | Closed | 2025-03-13 09:33 | 2025-03-20 10:47 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Property PDI does not have any damage to the property in pictures or the report. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. - Seller-03/19/2025 <br> Open-Property potentially affected by XXXX XXXX ID XXXX . XXXX CA - Declared XXXX with an Incident End Date of XXXX with Public Assistance: XXXX and Individual Assistance: XXXX . Property inspection with exterior photos required. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/19/2025<br>| Resolved-Property PDI does not have any damage to the property in pictures or the report. - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3603479 | N/A | N/A |
| XXXX | xxxxxx3197 |  |  | Closed | 2025-03-13 05:12 | 2025-03-20 07:50 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-Resolved - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. XXXX cd attached - Seller-03/18/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX ; XXXX); XXXX). There is a COC on pg-XXXX date XXXX where Details of Change: Lender credits of XXXX % = $XXXX was provided in file. Require revised CD date XXXX /XXXX which is missing in file or require a COC for final CD for decrease lender credits. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded.XXXX cd attached - Seller-03/18/2025 | Resolved-Resolved - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3599987 | N/A | N/A |
| XXXX | xxxxxx5269 |  |  | Closed | 2025-03-17 00:05 | 2025-03-19 02:01 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 Document uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Seller-03/18/2025 <br> Open-Monthly taxes of $XXXX , Insurance $XXXX and HOA dues of $XXXX are not included in XXXX or XXXX lien monthly payment, which makes to show calculated DTI as XXXX % and HTI as XXXX %, whereas XXXX calculated DTI is XXXX % and HTI is XXXX %. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/18/2025<br>| Resolved-Updated 1008 Document uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3622366 | N/A | N/A |
| XXXX | xxxxxx5269 |  |  | Closed | 2025-03-17 00:04 | 2025-03-19 02:00 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-The 1008 document is missing from the loan file. Monthly taxes of $XXXX , Insurance $XXXX and HOA dues of $XXXX are not included in XXXX or XXXX lien monthly payment, which makes to show calculated DTI as XXXX % and HTI as XXXX %, whereas U/W calculated DTI is XXXX % and HTI is XXXX %. Need updated 1008 and Approval. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/19/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3622363 | N/A | N/A |
| XXXX | xxxxxx5269 |  |  | Closed | 2025-03-16 23:44 | 2025-03-16 23:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX %) equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %).(XXXX ; XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , Rate lock date was entered correctly – see Pg#'s 216, An interior and exterior appraisal was completed for this property – see pg#XXXX , ECOA Appraisal Disclosure OR the LE's page as the page#XXXX , XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/17/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX %) equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , Rate lock date was entered correctly – see Pg#'s XXXX , An interior and exterior appraisal was completed for this property – see pg#v, ECOA Appraisal Disclosure OR the vpage as the page#XXXX , XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/17/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3622302 | N/A | N/A |
| XXXX | xxxxxx5269 |  |  | Closed | 2025-03-16 23:44 | 2025-03-16 23:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , Rate lock date was entered correctly – see Pg#'s XXXX , An interior and exterior appraisal was completed for this property – see pg#XXXX , ECOA Appraisal Disclosure OR the LE's page as the page#XXXX , XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/17/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated XXXX , the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , Rate lock date was entered correctly – see Pg#'s XXXX , An interior and exterior appraisal was completed for this property – see pg#XXXX , ECOA Appraisal Disclosure OR the LE's page as the page#XXXX , XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/17/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3622301 | N/A | N/A |
| XXXX | xxxxxx4871 |  |  | Closed | 2025-03-17 13:13 | 2025-03-18 08:21 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. - Seller-03/18/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. . - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/18/2025<br>| Resolved-Intent to Proceed Disclosure received. - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3629370 | N/A | N/A |
| XXXX | xxxxxx5164 |  |  | Closed | 2025-03-14 03:42 | 2025-03-20 07:15 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. Hi, loan did not fund until XXXX . Please see PCCD with interest collected on XXXX . - Seller-03/18/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "XXXX to Cancel Expire Date" (XXXX). Under XXXX , funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX and XXXX XXXX XXXX) The loan disbursement date and the calculated Right to Cancel Expire Date is falling on same date which is 03/11/2025. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Hi, loan did not fund until XXXX . Please see PCCD with interest collected on XXXX . - Seller-03/18/2025 | Resolved-Resolved - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3610531 | N/A | N/A |
| XXXX | xxxxxx5164 |  |  | Closed | 2025-03-14 04:07 | 2025-03-19 01:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-XXXX months bank statements for account School First #XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. Hi, that is actually for the XXXX #XXXX . Attached is the corrected income WS to match the XXXX # for XXXX. I also attached the Statements for the XXXX #XXXX - Seller-03/18/2025 <br> Open-Borrower income is qualifying with XXXX acct#XXXX , XXXX acct#XXXX and from the deposits of acct#XXXX , whereas XXXX months bank statements for acct#XXXX is missing to verify the deposits.<br> - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Hi, that is actually for the XXXX #XXXX . Attached is the corrected income XXXX to match the account # for XXXX XXXX . I also attached the Statements for the XXXX XXXX #XXXX - Seller-03/18/2025 | Resolved-XXXX months bank statements for account XXXX XXXX #XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3610646 | N/A | N/A |
| XXXX | xxxxxx5937 |  |  | Closed | 2025-03-17 03:18 | 2025-03-17 14:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX XXXXthreshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX , XXXX , ECOA Appraisal Disclosure OR the LE's page as the page#XXXX , XXXX , XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets HPML guidelines. - Due Diligence Vendor-03/17/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX , XXXX , ECOA Appraisal Disclosure OR the XXXX page as the page#XXXX , XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/17/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3622857 | N/A | N/A |
| XXXX | xxxxxx5937 |  |  | Closed | 2025-03-17 03:18 | 2025-03-17 14:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX %) equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is XXXX %).(XXXX ; XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , Rate lock date was entered correctly – see Pg#'s 68 An interior and exterior appraisal was completed for this property – see pg#XXXX , XXXX , ECOA Appraisal Disclosure OR the LE's page as the page#XXXX , XXXX , XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/17/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX %) equals or exceeds the XXXX HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %).(XXXX); XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX , XXXX , ECOA Appraisal Disclosure OR the LE's page as the page#XXXX , XXXX , XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets HPML guidelines. - Due Diligence Vendor-03/17/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3622858 | N/A | N/A |
| XXXX | xxxxxx6252 |  |  | Closed | 2025-03-19 01:01 | 2025-03-19 12:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX , ECOA Appraisal Disclosure OR the LE's page as the page#XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/19/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed XXXX and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#10, ECOA Appraisal Disclosure OR the LE's page as the page#XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/19/2025 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3643209 | N/A | N/A |
| XXXX | xxxxxx5055 |  |  | Closed | 2025-03-18 05:19 | 2025-03-28 07:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-LauraMac has been updated to reflect the provided docs - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Unable to verify Borrower business loss from XXXX and XXXX , as no documentation provided on the same. Revised 1003 updated and attached. Please review. - Seller-03/27/2025 <br> Open-Unable to verify Borrower Business loss from XXXX XXXX XXXX and XXXX as no documentation provided on the same.<br> - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. Unable to verify Borrower business loss from XXXX and XXXX , as no documentation provided on the same. Revised XXXX updated and attached. Please review. - Seller-03/27/2025 | Resolved-LauraMac has been updated to reflect the provided docs - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3633634 | N/A | N/A |
| XXXX | xxxxxx5055 |  |  | Closed | 2025-03-18 05:11 | 2025-03-28 07:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-XXXX successfully run - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX)). Discount point fee of $XXXX , has been added in Final closing disclosure without a valid change of circumstances. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-XXXX successfully run - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3633597 | N/A | N/A |
| XXXX | xxxxxx5055 |  |  | Closed | 2025-03-18 05:11 | 2025-03-28 07:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-HPML checks passed. Reopened with XXXX run - Due Diligence Vendor-03/28/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , XXXX , Rate lock date was entered correctly – see Pg#'s XXXX , An interior and exterior appraisal was completed for this property – see pg#29, ECOA Appraisal Disclosure OR the LE's page as the page#XXXX - XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/18/2025 |  | Resolved-XXXX checks passed. Reopened with XXXX run - Due Diligence Vendor-03/28/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , XXXX , Rate lock date was entered correctly – see Pg#'s XXXX , An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure OR the XXXX page as the page#XXXX - XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/18/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3633598 | N/A | N/A |
| XXXX | xxxxxx5055 |  |  | Closed | 2025-03-18 05:11 | 2025-03-28 07:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-XXXX checks passed. Reopened with XXXX run - Due Diligence Vendor-03/28/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX %) equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %).(XXXX This loan failed the higher-priced mortgage loan test. XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , XXXX , Rate lock date was entered correctly – see Pg#'s XXXX , An interior and exterior appraisal was completed for this property – see pg#XXXX , ECOA Appraisal Disclosure OR the LE's page as the page#XXXX - XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/18/2025 |  | Resolved-HPML checks passed. Reopened with XXXX run - Due Diligence Vendor-03/28/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX %) equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX , XXXX , Rate lock date was entered correctly – see Pg#'s XXXX , An interior and exterior appraisal was completed for this property – see pg#XXXX , ECOA Appraisal Disclosure OR the LE's page as the page#XXXX - XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets XXXX guidelines. - Due Diligence Vendor-03/18/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3633600 | N/A | N/A |
| XXXX | xxxxxx7588 |  |  | Closed | 2025-03-26 06:53 | 2025-03-28 06:50 | Resolved | 1 - Information C A | Compliance | XXXX | Rescission: Variance | Resolved-Resolved - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. page XXXX of loan package. - Seller-03/26/2025 <br> Open-Appears we need a new Right to cancel Doc. - Due Diligence Vendor-03/26/2025 <br> Open-The disclosed "Right to Cancel Expire Date" (XXXX XXXX) is earlier than the system calculated "Right to Cancel XXXX Date" (XXXX XXXX). Under XXXX , funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (XXXX) was sent after Consummation, so the system assumes the CD with the "XXXX XXXX " was provided before or on the (XXXX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the XXXX rd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "XXXX disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX) and (and XXXX (XXXX) (if XXXX). (XXXX XXXX) - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. page XXXX of loan package. - Seller-03/26/2025 | Resolved-Resolved - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3696890 | N/A | N/A |
| XXXX | xxxxxx7588 |  |  | Closed | 2025-03-19 00:47 | 2025-03-26 06:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved- - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/24/2025 <br> Open-The baseline amount of non-specific (XXXX XXXX) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "XXXX XXXX " have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX and comments XXXX and -6; XXXX ; XXXX ; XXXX). Lender credit of $XXXX on the initial CD decreases to $XXXX on the final CD. Provide COC to cure the tolerance.<br> - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. - Seller-03/24/2025<br>| Resolved- - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3643182 | N/A | N/A |
| XXXX | xxxxxx7588 |  |  | Closed | 2025-03-19 00:47 | 2025-03-26 06:53 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/24/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "XXXX to Cancel XXXX Date" (XXXX - XXXX - XXXX). Under XXXX , funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX) and Official Staff Commentary) As per the Right to Cancel document, the transaction date is XXXX , the signature date is XXXX , and the cancellation date is XXXX . However, the loan disbursement date is 03/12/2025. XXXX is considering the Right to Cancel XXXX as ofXXXX , which shows the right to cancel date as XXXX . An updated Right to Cancel document or a post-CD is required.<br> - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. - Seller-03/24/2025<br>| Resolved-. - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3643183 | N/A | N/A |
| XXXX | xxxxxx5607 |  |  | Closed | 2025-03-21 04:28 | 2025-03-27 07:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD has been received. XXXX successfully run - Due Diligence Vendor-03/27/2025 <br> Open-TRID: Missing Final Closing Disclosure Partial Payments selection is missing in Final v. Provide updated Final XXXX with XXXX XXXX Disclosure. - Due Diligence Vendor-03/21/2025 |  | Resolved-PCCD has been received. XXXX successfully run - Due Diligence Vendor-03/27/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3665538 | N/A | N/A |
| XXXX | xxxxxx5607 |  |  | Closed | 2025-03-21 05:15 | 2025-03-27 07:33 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel XXXX Date" (XXXX - XXXX - XXXX). Under XXXX , funds may not be disbursed to the borrower until after the expiration of the rescission period. XXXX) and Official Staff Commentary) The loan disbursement date (XXXX) is earlier than the calculated "Right to Cancel XXXX Date" (XXXX - XXXX . Provide XXXX . - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-Resolved - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3665793 | N/A | N/A |
| XXXX | xxxxxx5607 |  |  | Closed | 2025-03-21 04:13 | 2025-03-24 05:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Manually resolve. Entries will be reviewed in XXXX to clear - Due Diligence Vendor-03/24/2025 <br> Open- - Due Diligence Vendor-03/21/2025 <br> Open- - Due Diligence Vendor-03/21/2025 |  | Resolved-Manually resolve. Entries will be reviewed in XXXX to clear - Due Diligence Vendor-03/24/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3665493 | N/A | N/A |
| XXXX | xxxxxx7248 |  |  | Closed | 2025-03-20 06:08 | 2025-03-27 07:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-COC provided and updated. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. Hi, it's on page XXXX . The pricing changed from $XXXX credits to $XXXX discount. The reason you are not seeing the XXXX cents is because on the LE, the XXXX XXXX reflects. The XXXX always round up or down. In this case it down to the whole amount of $XXXX . The COC on page XXXX is correct. - Seller-03/25/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "XXXX XXXX " have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX) and comments 1XXXX ; XXXX). Lender credit amount decreased from Initial LE ($XXXX) to Revised LE (XXXX) but COC for lender credits decrease not available in file. Provide COC for the same. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Hi, it's on page XXXX . The pricing changed from $XXXX credits to $XXXX discount. The reason you are not seeing the XXXX cents is because on the XXXX , the Cents XXXX reflects. The XXXX always round up or down. In this case it down to the whole amount of $XXXX . The COC on page XXXX is correct. - Seller-03/25/2025 | Resolved-COC provided and updated. - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3655463 | N/A | N/A |
| XXXX | xxxxxx7248 |  |  | Closed | 2025-03-24 15:44 | 2025-03-27 07:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Note is missing or unexecuted | Resolved-1st lien Note provided. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. Hi, we only need the Note. Deed is not require. Please see attached 1st Note. - Seller-03/25/2025 <br> Open-The Note and Deed of Trust for XXXX lien Mortgage are missing. Loan is XXXX lien XXXX Mortgage and Note are required documents. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Hi, we only need the Note. Deed is not require. Please see attached 1st Note. - Seller-03/25/2025 | Resolved-1st lien Note provided. - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3684235 | N/A | N/A |
| XXXX | xxxxxx4032 |  |  | Closed | 2025-03-20 00:20 | 2025-03-26 08:30 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. Loan did not disburse until XXXX please see pccd<br> - Seller-03/25/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel XXXX Date" (XXXX). Under XXXX , funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX) and Official Staff XXXX) The right to cancel date XXXX is same day as the Loan disbursement date XXXX . - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Loan did not disburse until XXXX please see pccd<br> - Seller-03/25/2025 | Resolved-Resolved - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | HI | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3653984 | N/A | N/A |
| XXXX | xxxxxx6248 |  |  | Closed | 2025-03-19 23:51 | 2025-03-28 00:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Updated Borrower 1 Photo Identification provided. - Due Diligence Vendor-03/28/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. please see attached ID. - Seller-03/27/2025 <br> Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. On page #XXXX we have the borrowers ID however Borrowers Photo ID expired before the XXXX Date , Provide the updated XXXX Photo Identification document. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. please see attached ID. - Seller-03/27/2025<br>| Resolved-Updated Borrower 1 Photo Identification provided. - Due Diligence Vendor-03/28/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3653908 | N/A | N/A |
| XXXX | xxxxxx6248 |  |  | Closed | 2025-03-19 23:34 | 2025-03-31 08:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-The loan Meets HPML guideline, resolved - Due Diligence Vendor-03/31/2025 <br> Open-. - Due Diligence Vendor-03/31/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX %) equals or exceeds the California XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #182 the appraisal disclosure was provided to the borrower pg. #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX . The loan Meets XXXX guideline, resolved - Due Diligence Vendor-03/20/2025 |  | Resolved-The loan Meets HPML guideline, resolved - Due Diligence Vendor-03/31/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX %) equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %).XXXX ; XXXX This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX XXXX the appraisal disclosure was provided to the borrower pg. #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX . The loan Meets XXXX guideline, resolved - Due Diligence Vendor-03/20/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3653870 | N/A | N/A |
| XXXX | xxxxxx6248 |  |  | Closed | 2025-03-19 23:34 | 2025-03-31 08:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan Meets HPML guideline, resolved - Due Diligence Vendor-03/31/2025 <br> Open-. - Due Diligence Vendor-03/31/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg. #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX . The loan Meets HPML guideline, resolved - Due Diligence Vendor-03/20/2025 |  | Resolved-The loan Meets XXXX guideline, resolved - Due Diligence Vendor-03/31/2025 <br> Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg. #439 confirmation the appraisal was delivered to the borrower in file page #XXXX . The loan Meets XXXX guideline, resolved - Due Diligence Vendor-03/20/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3653869 | N/A | N/A |
| XXXX | xxxxxx7034 |  |  | Closed | 2025-03-21 11:47 | 2025-03-27 07:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Document has been received and reviewed. LauraMac has been updated to reflect - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/25/2025 <br> Open-The Final 1003 is Incomplete XXXX Years in Current Home is not provided. Provide updated Final 1003 for Borrower2. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025<br>| Resolved-Document has been received and reviewed. XXXX has been updated to reflect - Due Diligence Vendor-03/27/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3670254 | N/A | N/A |
| XXXX | xxxxxx7034 |  |  | Closed | 2025-03-21 12:29 | 2025-03-27 07:14 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX); XXXX); XXXX). Points - Loan Discount Fee increased from Initial CD ($XXXX) to Final CD ($XXXX) but COC not provided. Provide COC for the same. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-Resolved - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3670912 | N/A | N/A |
| XXXX | xxxxxx4761 |  |  | Closed | 2025-03-24 01:00 | 2025-03-27 07:01 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Appraisal Disclosure uploaded. Resolved. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Open-Missing Right to Receive Appraisal disclosure in file. <br> - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-Appraisal Disclosure uploaded. Resolved. - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 3676414 | N/A | N/A |
| XXXX | xxxxxx6283 |  |  | Closed | 2025-03-20 23:15 | 2025-03-20 23:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX appraisal disclosure was provided to the borrower pg. #471confirmation the appraisal was delivered to the borrower in file page #XXXX and HPML page on # XXXX .The loan Meets XXXX guideline, resolved - Due Diligence Vendor-03/21/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX appraisal disclosure was provided to the borrower pg. #471confirmation the appraisal was delivered to the borrower in file page #XXXX and XXXX page on # XXXX .The loan Meets XXXX guideline, resolved - Due Diligence Vendor-03/21/2025 |  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3664706 | N/A | N/A |
| XXXX | xxxxxx7059 |  |  | Closed | 2025-03-24 04:15 | 2025-04-14 11:25 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Documents have been received and reviewed. Confirmation of fee has been provided. Resolved - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Counter-Can you please provide a copy of the provider's list reflecting the provider/recipient of the notary fee listed in section B - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Pls see attached - Seller-04/07/2025 <br> Open-Title fees (Notary Fees) is paid to a provider that's not on providers list, but the fee is in XXXX - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Ready for Review-Pls see attached - Seller-04/07/2025<br>| Resolved-Documents have been received and reviewed. Confirmation of fee has been provided. Resolved - Due Diligence Vendor-04/14/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3676924 | N/A | N/A |
| XXXX | xxxxxx8549 |  |  | Closed | 2025-03-25 03:52 | 2025-03-28 09:17 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Updated Initial 1003. Resolved. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Open-LO sign is missing on initial 1003s of XXXX and XXXX . - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-Updated Initial 1003. Resolved. - Due Diligence Vendor-03/28/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3686360 | N/A | N/A |
| XXXX | xxxxxx2161 |  |  | Closed | 2025-03-25 02:21 | 2025-03-27 09:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg. #490 confirmation the appraisal was delivered to the borrower in file page #XXXX . The loan Meets HPML guideline, resolved <br> - Due Diligence Vendor-03/25/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg. #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX . The loan Meets XXXX guideline, resolved <br> - Due Diligence Vendor-03/25/2025 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3686152 | N/A | N/A |
| XXXX | xxxxxx7589 |  |  | Closed | 2025-03-25 06:25 | 2025-04-04 06:43 | Resolved | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/01/2025 <br> Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement missing. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3687221 | N/A | N/A |
| XXXX | xxxxxx7589 |  |  | Closed | 2025-03-25 05:47 | 2025-04-03 06:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Dot attached - Seller-04/02/2025 <br> Open-The Deed of Trust is Missing Provide the Deed Of Trust document which is missing from loan file. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Dot attached - Seller-04/02/2025<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3686930 | N/A | N/A |
| XXXX | xxxxxx6822 |  |  | Closed | 2025-03-25 01:35 | 2025-04-03 05:52 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Hi, you had this correct on XXXX that a Secondary Valuation or Additional Valuation is Not Required. Please check the guidelines. Secondary Valuation is not needed when AVM is use and loan amount is less than $XXXX . The loan amount is only $XXXX. - Seller-04/02/2025 <br> Counter-The provided is a property condition report. Please advise as XXXX was provided but secondary valuation is pending - Due Diligence Vendor-04/01/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Secondary Valuation document is missing. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Hi, you had this correct on XXXX that a Secondary Valuation or Additional Valuation is Not Required. Please check the guidelines. Secondary Valuation is not needed when XXXX is use and loan amount is less than $XXXX . The loan amount is only $XXXX . - Seller-04/02/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/03/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 3686020 | N/A | N/A |
| XXXX | xxxxxx6822 |  |  | Closed | 2025-03-25 02:03 | 2025-03-31 10:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Lender's Title Policy. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX XXXX)). We have COC dated onXXXX but in the lender title policy fee not mentioned , Provide updated COC for dated XXXX for the increasing fee lenders title policy. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-Resolved - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 3686101 | N/A | N/A |
| XXXX | xxxxxx6822 |  |  | Closed | 2025-03-25 01:35 | 2025-03-31 04:34 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Hi, this is approved through XXXX . Please see attached. - Seller-03/28/2025 <br> Open-Appraisal is Missing - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Hi, this is approved through XXXX XXXX . Please see attached. - Seller-03/28/2025 | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 3686021 | N/A | N/A |
| XXXX | xxxxxx6400 |  |  | Closed | 2025-03-26 01:57 | 2025-03-26 02:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's XXXX of (XXXX %) equals or exceeds the California XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before XXXX. The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #135 the appraisal disclosure was provided to the borrower pg #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX . The loan Meets XXXX guideline, resolved <br> - Due Diligence Vendor-03/26/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX %) equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %).XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX . The loan Meets vguideline, resolved <br> - Due Diligence Vendor-03/26/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3695401 | N/A | N/A |
| XXXX | xxxxxx6400 |  |  | Closed | 2025-03-26 01:57 | 2025-03-26 02:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg #349 confirmation the appraisal was delivered to the borrower in file page #XXXX . The loan Meets XXXX guideline, resolved <br> - Due Diligence Vendor-03/26/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX . The loan Meets XXXX guideline, resolved <br> - Due Diligence Vendor-03/26/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3695400 | N/A | N/A |
| XXXX | xxxxxx3907 |  |  | Closed | 2025-03-27 00:39 | 2025-03-27 00:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX appraisal disclosure was provided to the borrower pg. #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX and XXXX on page# XXXX loan Meets XXXX guideline, resolved - Due Diligence Vendor-03/27/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX , An interior and exterior appraisal was completed for this property – see pg. #XXXX , Final CD is on page #XXXX appraisal disclosure was provided to the borrower pg. #298 confirmation the appraisal was delivered to the borrower in file page #XXXX and XXXX on page# XXXX loan Meets XXXX guideline, resolved - Due Diligence Vendor-03/27/2025 |  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 3705614 | N/A | N/A |
| XXXX | xxxxxx7897 |  |  | Closed | 2025-03-28 03:19 | 2025-04-04 08:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/04/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Open-Borrower XXXX 3rd Party VOE Prior to Close Missing in file which is with in XXXX days of closing date. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 3716387 | N/A | N/A |
| XXXX | xxxxxx7897 |  |  | Closed | 2025-03-28 03:19 | 2025-04-04 08:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 XXXX Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Open-Borrower 2 XXXX Party VOE Prior to Close Missing in file which is with in XXXX days of closing date. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-04/04/2025 | XXXX |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 3716388 | N/A | N/A |
| XXXX | xxxxxx7897 |  |  | Closed | 2025-03-28 04:31 | 2025-03-28 06:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (XXXX) | Resolved-Under the Regulations adopted by the XXXX Commissioner of XXXX XXXX , as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX %) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %). (XXXX); XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXXX <br> Rate lock date was entered correctly – see Pg#'s XXXX <br> An interior and exterior appraisal was completed for this property – see pg#XXXX , <br> ECOA Appraisal Disclosure page#XXXX <br> confirmation the appraisal was delivered to the borrower – see Pg#'sXXXX <br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-03/28/2025 |  | Resolved-Under the Regulations adopted by the XXXX , as applicable to XXXX Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX %) equals or exceeds the XXXX Mortgage threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX %). (XXXX); XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXXX <br> Rate lock date was entered correctly – see Pg#'s XXXX <br> An interior and exterior appraisal was completed for this property – see pg#XXXX , <br> ECOA Appraisal Disclosure page#XXXX <br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX - XXXX , XXXX <br> The loan meets XXXX Guidelines, resolved.<br> - Due Diligence Vendor-03/28/2025 |  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 3716686 | N/A | N/A |
| XXXX | xxxxxx7897 |  |  | Closed | 2025-03-28 04:31 | 2025-03-28 06:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXXX <br> Rate lock date was entered correctly – see Pg#'s XXXX <br> An interior and exterior appraisal was completed for this property – see pg#XXXX , <br> ECOA Appraisal Disclosure page#XXXX <br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX <br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-03/28/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the XXXX XXXX threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXXX <br> Rate lock date was entered correctly – see Pg#'s XXXX <br> An interior and exterior appraisal was completed for this property – see pg#XXXX , <br> ECOA Appraisal Disclosure page#XXXX <br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX - XXXX , XXXX <br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-03/28/2025 |  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 3716685 | N/A | N/A |
| XXXX | xxxxxx7783 |  |  | Closed | 2025-03-28 06:39 | 2025-03-28 06:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXXX <br> Rate lock date was entered correctly – see Pg#'s XXXX <br> An interior and exterior appraisal was completed for this property – see pg#XXXX , <br> ECOA Appraisal Disclosure page#XXXX . <br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX <br> The loan meets XXXX Guidelines, resolved. <br> - Due Diligence Vendor-03/28/2025 |  | Resolved-The loan's (XXXX %) APR equals or exceeds the Federal HPML threshold of (XXXX %). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before XXXX ." The comparable APOR for this loan is (XXXX %).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXXX <br> Rate lock date was entered correctly – see Pg#'s XXXX <br> An interior and exterior appraisal was completed for this property – see pg#XXXX , <br> ECOA Appraisal Disclosure page#XXXX . <br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX <br> The loan meets HPML Guidelines, resolved. <br> - Due Diligence Vendor-03/28/2025 |  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3717356 | N/A | N/A |
| XXXX | xxxxxx2913 |  |  | Closed | 2025-04-04 15:54 | 2025-04-10 07:44 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Updated PDI provided indicating no damage to property. Resolved - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Open-Property potentially affected by XXXX Disaster XXXX XXXX . XXXX XXXX , XXXX- Declared XXXX with an Incident End Date of XXXX with Public Assistance: XXXX and Individual Assistance: XXXX . Property inspection with exterior photos required.<br> - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Updated PDI provided indicating no damage to property. Resolved - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3789765 | N/A | N/A |
| XXXX | xxxxxx2913 |  |  | Closed | 2025-03-31 02:17 | 2025-04-03 05:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Docs have been reviewed and XXXX has been updated - Due Diligence Vendor-04/03/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/01/2025 <br> Open-On XXXX and XXXX final XXXX for additional employment Ownership share of less than XXXX % is not check marked for both the borrowers. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Docs have been reviewed and XXXX has been updated - Due Diligence Vendor-04/03/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-04/03/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3727510 | N/A | N/A |
| XXXX | xxxxxx0037 |  |  | Closed | 2025-03-27 22:22 | 2025-04-07 12:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the XXXX Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX); XXXX . Provide the COC for the Initial CD date onXXXX for the increase the Loan Discount fee amount. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-Resolved - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3715464 | N/A | N/A |
| XXXX | xxxxxx0037 |  |  | Closed | 2025-03-27 21:29 | 2025-04-07 12:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Open-The Initial 1003 is Missing Provide initial XXXX with XXXX signature. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3715404 | N/A | N/A |
| XXXX | xxxxxx3331 |  |  | Closed | 2025-03-31 00:58 | 2025-04-04 03:12 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-04/04/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-Qualifying FICO on the XXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXXX' but the Qualifying FICO from the Credit report pg-XXXX is 'XXXX' by selecting fico method as Primary wage earner. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-04/04/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-04/04/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3727256 | N/A | N/A |
| XXXX | xxxxxx3331 |  |  | Closed | 2025-04-01 06:33 | 2025-04-01 07:46 | Resolved | 1 - Information A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (3) | Resolved-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared XXXX with an Incident End Date of XXXX with Public Assistance: XXXX and Individual Assistance: XXXX. Property inspection with exterior photos required. Appraisal completedXXXXwith photos showing no damage. Resolved - Due Diligence Vendor-04/01/2025 |  | Resolved-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared XXXX with an Incident End Date ofXXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. Appraisal completedXXXX with photos showing no damage. Resolved - Due Diligence Vendor-04/01/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3739372 | N/A | N/A |
| XXXX | xxxxxx7988 |  |  | Closed | 2025-03-28 14:18 | 2025-05-06 06:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower XXXX YTD Profit & Loss Provided - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-Borrower XXXX YTD Profit & Loss Missing As per XXXXmonth profit and Loss (P&L) statement prepared by a CPA, enrolled agent, or properly licensed accounting/bookkeeping firm supervised by a certified accountant required. Provided P&L pg-XXXX is prepared by borrower. <br> - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Borrower XXXX YTD Profit & Loss Provided - Due Diligence Vendor-05/06/2025 | XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 3723667 | N/A | N/A |
| XXXX | xxxxxx7988 |  |  | Closed | 2025-03-29 09:43 | 2025-04-09 06:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-Resolved - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Require COC for decreased Lender credits from $XXXX (Initial LE) to $XXXX (Initial CD). - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Resolved - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 3725794 | N/A | N/A |
| XXXX | xxxxxx7988 |  |  | Closed | 2025-03-29 09:43 | 2025-04-09 06:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX(f)(2)(v)). Require COC for increased broker fees $XXXX (Initial LE) to $XXXX (Revised LE). - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Resolved - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 3725793 | N/A | N/A |
| XXXX | xxxxxx7988 |  |  | Closed | 2025-03-28 12:44 | 2025-04-08 03:46 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Updated Final XXXX with Ethnicity Selection uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/08/2025 <br> Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-Borrower XXXX Ethnicity Selection is Not Provided Borrower XXXX and Borrower XXXX final XXXX is missing with Ethnicity Selection/information. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Updated Final XXXX with Ethnicity Selection uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/08/2025 <br> Resolved-Borrower XXXX Ethnicity Selection is Provided - Due Diligence Vendor-04/08/2025 | XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 3722467 | N/A | N/A |
| XXXX | xxxxxx8242 |  |  | Closed | 2025-03-31 03:46 | 2025-04-21 12:00 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided. Hazard insurance coversXXXX to XXXX - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. Policy attached is from XXXX-XXXX....this covers the closing date - Seller-04/16/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Policy attached is fromXXXX....this covers the closing date - Seller-04/16/2025 | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided. Hazard insurance coversXXXX to XXXX - Due Diligence Vendor-04/21/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3727722 | N/A | N/A |
| XXXX | xxxxxx8242 |  |  | Closed | 2025-03-31 04:49 | 2025-04-21 12:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-04/21/2025 <br> Open-. - Due Diligence Vendor-04/21/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX. The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/31/2025 |  | Resolved-The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/21/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX-XXXX. The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/31/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3728029 | N/A | N/A |
| XXXX | xxxxxx8242 |  |  | Closed | 2025-03-31 04:49 | 2025-04-21 12:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/21/2025 <br> Open-. - Due Diligence Vendor-04/21/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX. The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/31/2025 |  | Resolved-The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/21/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX-XXXX. The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/31/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3728028 | N/A | N/A |
| XXXX | xxxxxx6959 |  |  | Closed | 2025-03-31 01:39 | 2025-03-31 01:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #76the appraisal disclosure was provided to the borrower pg. #XXXX the appraisal was delivered to the borrower in file page #XXXX and HPML on page#XXXX. The loan Meets HPML guideline, resolved - Due Diligence Vendor-03/31/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX appraisal disclosure was provided to the borrower pg. #XXXX the appraisal was delivered to the borrower in file page #XXXX and HPML on page#XXXX. The loan Meets HPML guideline, resolved - Due Diligence Vendor-03/31/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3727419 | N/A | N/A |
| XXXX | xxxxxx6959 |  |  | Closed | 2025-03-31 01:39 | 2025-03-31 01:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX appraisal disclosure was provided to the borrower pg. #XXXX the appraisal was delivered to the borrower in file page #XXXX and HPML on page#XXXX The loan Meets HPML guideline, resolved - Due Diligence Vendor-03/31/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.573%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX appraisal disclosure was provided to the borrower pg. #XXXX the appraisal was delivered to the borrower in file page #XXXX and HPML on page#XXXX. The loan Meets HPML guideline, resolved - Due Diligence Vendor-03/31/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3727420 | N/A | N/A |
| XXXX | xxxxxx9222 |  |  | Closed | 2025-04-01 01:09 | 2025-04-15 02:05 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated XXXX & Loan Approval with corrected Appraised value uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. attached. TY - Seller-04/14/2025 <br> Open-Property value on Primary appraisal pg#XXXX, is $XXXX, where as all other documents are showing $XXXX. XXXX and approval show XXXX. Would need updated docs for both as well. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. attached. TY - Seller-04/14/2025<br>| Resolved-Updated XXXX & Loan Approval with corrected Appraised value uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/15/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3737328 | N/A | N/A |
| XXXX | xxxxxx9222 |  |  | Closed | 2025-03-31 23:00 | 2025-04-15 02:04 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated Title Supplemental uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/15/2025 <br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. PageXXXX of the attached is a supplement showing removal of all judgements on title - Seller-04/14/2025 <br> Open-Property Title Issue There is an open judgement and Liens are present on Title report. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Page XXXXof the attached is a supplement showing removal of all judgements on title - Seller-04/14/2025 | Resolved-Updated Title Supplemental uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/15/2025 <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3736876 | N/A | N/A |
| XXXX | xxxxxx6651 |  |  | Closed | 2025-04-01 00:31 | 2025-04-03 08:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX. The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/01/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX. The copy of appraisal sent to borrower confirmation page#XXXX-XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/01/2025 |  |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 3737205 | N/A | N/A |
| XXXX | xxxxxx9240 |  |  | Closed | 2025-04-01 06:47 | 2025-04-10 09:04 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received. XXXX has been successfully run - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Hi, loan did not fund until XXXX. - Seller-04/08/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Disbursement date (XXXX) is same as Right to Cancel XXXX. Right to cancel on page 441-444. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Hi, loan did not fund until XXXX. - Seller-04/08/2025 | Resolved-PCCD received. XXXX has been successfully run - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3739487 | N/A | N/A |
| XXXX | xxxxxx8235 |  |  | Closed | 2025-04-02 06:33 | 2025-04-04 08:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, the appraisal disclosure was provided to the borrower pg. #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan Meets HPML guideline, resolved <br> - Due Diligence Vendor-04/02/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, the appraisal disclosure was provided to the borrower pg. #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan Meets HPML guideline, resolved <br> - Due Diligence Vendor-04/02/2025 |  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 3749867 | N/A | N/A |
| XXXX | xxxxxx6040 |  |  | Closed | 2025-04-02 02:05 | 2025-04-09 06:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Open-The Final XXXX is Incomplete Provided XXXX XXXX is not reflecting self employment - ownership share of XXXX% or more, is not checked to reflect borrower has more than XXXX% of ownership in business. As per CPA letter B1 has XXXX% of ownership in business. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-The Final XXXX is Present - Due Diligence Vendor-04/09/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3748684 | N/A | N/A |
| XXXX | xxxxxx6040 |  |  | Closed | 2025-04-02 02:07 | 2025-04-09 03:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-B1 and B2 each own XXXX% of the business, making a total of XXXX%, which is sufficient to use the business funds. Verified - Resolved.<br> - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Hi, both borrowers own XXXX% each, that's XXXX% total. Please advise why an LOE is needed when they are the owner? There are no other owner on that business. - Seller-04/08/2025 <br> Open-Missing Letter of Explanation to use business funds from account #XXXX. - Due Diligence Vendor-04/02/2025 | Ready for Review-Hi, both borrowers own XXXX% each, that's XXXX% total. Please advise why an LOE is needed when they are the owner? There are no other owner on that business. - Seller-04/08/2025 | Resolved-XXXX and XXXX each own XXXX% of the business, making a total of XXXX%, which is sufficient to use the business funds. Verified - Resolved.<br> - Due Diligence Vendor-04/09/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3748693 | N/A | N/A |
| XXXX | xxxxxx8758 |  |  | Closed | 2025-04-01 22:49 | 2025-04-15 10:43 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Insurance document has been received and reviewed. Resolved - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-Hazard Insurance Effective Date of 0XXXX is after the Note Date of XXXX The HOI policy effective date is on policy pg#XXXX is 0XXXX which is future date, whereas the note date is 0XXXX. However, the recent policy is missing in the file. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Insurance document has been received and reviewed. Resolved - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | CT | Investment | Refinance | Cash Out - Other | 3748115 | N/A | N/A |
| XXXX | xxxxxx4189 |  |  | Closed | 2025-04-03 05:53 | 2025-04-11 07:07 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/10/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Provide PCCD. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/10/2025<br>| Resolved-Resolved - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 3761417 | N/A | N/A |
| XXXX | xxxxxx7679 |  |  | Closed | 2025-04-03 06:22 | 2025-04-03 07:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-XXXX mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, XXXX, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXXX<br> Rate lock date was entered correctly – see Pg#'s XXXX<br> An interior and exterior appraisal was completed for this property – see pg#XXXX, <br> ECOA Appraisal Disclosure OR the LE's page as the page#XXXX, XXXX. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. <br> - Due Diligence Vendor-04/03/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXXX<br> Rate lock date was entered correctly – see Pg#'s XXXX<br> An interior and exterior appraisal was completed for this property – see pg#XXXX, <br> ECOA Appraisal Disclosure OR the LE's page as the page#XXXX, XXXX. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. <br> - Due Diligence Vendor-04/03/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3762636 | N/A | N/A |
| XXXX | xxxxxx7679 |  |  | Closed | 2025-04-03 06:22 | 2025-04-03 07:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXXpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, XXXX, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXXX<br> Rate lock date was entered correctly – see Pg#'s XXXX<br> An interior and exterior appraisal was completed for this property – see pg#XXXX, <br> ECOA Appraisal Disclosure OR the LE's page as the page#XXXX, XXXX. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. <br> - Due Diligence Vendor-04/03/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXXX<br> Rate lock date was entered correctly – see Pg#'s XXXX<br> An interior and exterior appraisal was completed for this property – see pg#XXXX, <br> ECOA Appraisal Disclosure OR the LE's page as the page#XXXX, XXXX. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. <br> - Due Diligence Vendor-04/03/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3762635 | N/A | N/A |
| XXXX | xxxxxx7194 |  |  | Closed | 2025-04-08 09:04 | 2025-04-18 15:57 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-04/18/2025 <br> Resolved-Resolved - Borrower Passed Sam.gov OFAC check and Fraudguard provided to Confirm. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-this guideline is for foreign nations and does not apply to perm residents or non-perm residents. the sanction is not for origin of birth - Seller-04/15/2025 <br> Counter-OFAC Check Not Completed and/or Cleared The borrower is from a sanctioned country, XXXX. The guidelines dated XXXX for 1st liens, show any borrower from a sanctioned country is ineligible. The CES guidelines dated XXXX do not address sanctioned countries. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. Hi, there is no Fraud. - Seller-04/11/2025 <br> Open-XXXX Check Not Completed and/or Cleared The borrower is from a sanctioned country, XXXX. The guidelines dated XXXX for 1st liens, show any borrower from a sanctioned country is ineligible. The CES guidelines dated XXXXdo not address sanctioned countries. Requesting to please address. - Due Diligence Vendor-04/08/2025 | Ready for Review-this guideline is for foreign nations and does not apply to perm residents or non-perm residents. the sanction is not for origin of birth - Seller-04/15/2025 <br>Ready for Review-Document Uploaded. Hi, there is no Fraud. - Seller-04/11/2025<br>| Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-04/18/2025 <br>Resolved-Resolved - Borrower Passed Sam.gov OFAC check and Fraudguard provided to Confirm. - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3806320 | N/A | N/A |
| XXXX | xxxxxx7194 |  |  | Closed | 2025-04-04 00:04 | 2025-04-08 09:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX, Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure #XXXX OR the LE's page as the page#XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-04/04/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX, Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure #XXXX OR the LE's page as the page#XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-04/04/2025 | XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3780778 | N/A | N/A |
| XXXX | xxxxxx7625 |  |  | Closed | 2025-04-03 22:01 | 2025-04-11 06:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX is Present - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/10/2025 <br> Open-The Initial XXXX is Missing The Loan Originator signature is missing. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-04/10/2025<br>| Resolved-The Initial XXXX is Present - Due Diligence Vendor-04/11/2025 | XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 3780312 | N/A | N/A |
| XXXX | xxxxxx7625 |  |  | Closed | 2025-04-03 23:56 | 2025-04-11 08:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-. - Due Diligence Vendor-04/11/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX. The copy of appraisal sent to borrower confirmation page#XXXX-XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/04/2025 |  | Resolved-. - Due Diligence Vendor-04/11/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX. The copy of appraisal sent to borrower confirmation page#XXXX-XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/04/2025 |  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 3780751 | N/A | N/A |
| XXXX | xxxxxx6591 |  |  | Closed | 2025-04-04 02:48 | 2025-04-16 08:16 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Hi, that's because it funded on XXXX. Interest from XXXX - XXXX would be $XXXX. When it's $XXXX, then it won't show anything on that section. The Disbursement date on page XXXX is suffice to show the loan funded on XXXX. - Seller-04/14/2025 <br> Counter-The attached PCCD does not have a Prepaid Interest in Section F completed. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Hi, NRTC is correct. CA is a Dry Funding State. The loan did not fund until 4/1 after the rescission expired. - Seller-04/09/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. XXXXc) and Official Staff Commentary) The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Provide updated Right To Cancel - Due Diligence Vendor-04/04/2025 | Ready for Review-Hi, that's because it funded on XXXX. Interest from XXXX - XXXX would be $XXXX. When it's $XXXX, then it won't show anything on that section. The Disbursement date on page XXXX is suffice to show the loan funded on 4/1. - Seller-04/14/2025 <br> Ready for Review-Document Uploaded. Hi, NRTC is correct. CA is a Dry Funding State. The loan did not fund until XXXX after the rescission expired. - Seller-04/09/2025 | Resolved-Resolved - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3781352 | N/A | N/A |
| XXXX | xxxxxx8518 |  |  | Closed | 2025-04-08 02:31 | 2025-04-16 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower XXXX XXXX Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Counter-The attached document is not referencing a verification date within XXXX days of the note date. The expiration date does not mean the business is still open and operating. Borrower is self-employed, we are still required to verify existence of borrowers business per G/L's. Verify the existence of the business, for positive income used in income qualifying, within XXXX-days of the Note date and ensure the business is active with the following: § Phone listing and/or business address using directory assistance or internet search § For self-employed independent contractors, use either a letter from a third-party company currently utilizing their service(s) or a business license procured through the internet reflecting active and not expired. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Hi, This is from the CA SOS website business search and it does reflect that business is active with issuance date as well as expiration date. - Seller-04/11/2025 <br> Counter-Borrower is self-employed, we are still required to verify existence of borrowers business per G/L's. Verify the existence of the business, for positive income used in income qualifying, within XXXX-days of the Note date and ensure the business is active with the following: § Phone listing and/or business address using directory assistance or internet search § For self-employed independent contractors, use either a letter from a third-party company currently utilizing their service(s) or a business license procured through the internet reflecting active and not expired. Current document just shows when business license expires. <br> - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Hi, the borrower is Self-Employed. Business License is in the file. No VOE is needed. - Seller-04/09/2025 <br> Open-Borrower XXXX XXXX Party VOE Prior to Close Missing. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Ready for Review-Hi, This is from the XXXX XXXX website business search and it does reflect that business is active with issuance date as well as expiration date. - Seller-04/11/2025 <br> Ready for Review-Document Uploaded. Hi, the borrower is Self-Employed. Business License is in the file. No VOE is needed. - Seller-04/09/2025 | Resolved-Borrower XXXX XXXX Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/16/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3803101 | N/A | N/A |
| XXXX | xxxxxx8518 |  |  | Closed | 2025-04-08 03:28 | 2025-04-11 11:18 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received, resolved - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Hi, CA is a Dry Funding State. Loan did not fund until XXXX, after the rescission expired. - Seller-04/09/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg XXXX3(c) and Official Staff Commentary) The calculated Right to cancel expiry date XXXX is same day as loan disbursement date XXXX. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Hi, XXXX is a Dry Funding State. Loan did not fund until XXXX, after the rescission expired. - Seller-04/09/2025 | Resolved-PCCD received, resolved - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3803270 | N/A | N/A |
| XXXX | xxxxxx7215 |  |  | Closed | 2025-04-15 06:37 | 2025-05-01 08:35 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/01/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX,XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX, the appraisal disclosure was provided to the borrower(s)- see findings, confirmation the appraisal was delivered to the borrower in file page #53. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/15/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-04/15/2025 |  | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/01/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX,XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX, the appraisal disclosure was provided to the borrower(s)- see findings, confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/15/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3865168 | N/A | N/A |
| XXXX | xxxxxx7215 |  |  | Closed | 2025-04-06 23:39 | 2025-05-01 08:34 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/01/2025 <br> Resolved- The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/15/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX,XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX, the appraisal disclosure was provided to the borrower(s)- see findings, confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/15/2025 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX,XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX, the appraisal disclosure is missing, confirmation the appraisal was delivered to the borrower in file page #XXXX. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/01/2025 <br> Resolved- The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/15/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX,XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX, the appraisal disclosure was provided to the borrower(s)- see findings, confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/15/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3792247 | N/A | N/A |
| XXXX | xxxxxx7215 |  |  | Closed | 2025-04-06 23:40 | 2025-05-01 08:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX% - Due Diligence Vendor-05/01/2025 <br> Resolved-Audited DTI of XXXX% doesn't exceed Guideline DTI of 50%. 12 months evidence in the loan file that the son pays XXXX #XXXX. Tradeline Excluded. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-Audited DTI of XXXX% exceeds Guideline XXXX of XXXX% DTI is more than the XXXX due all other monthly payments in XXXX is $XXXX where as it is in credit report $XXXX hence there is a XXXX mismatch. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX% - Due Diligence Vendor-05/01/2025 <br> Resolved-Audited DTI of XXXX% doesn't exceed Guideline DTI of XXXX%. XXXX months evidence in the loan file that the son pays XXXX #XXXX. Tradeline Excluded. - Due Diligence Vendor-04/14/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3792248 | N/A | N/A |
| XXXX | xxxxxx7215 |  |  | Closed | 2025-04-11 00:51 | 2025-04-29 09:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-UCC lien is being terminated per attached. System is leased and lease amount is included in DTI. Lease of XXXX confirmed per appraisal and no value given to XXXX. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Counter-Please provide evidence UCC has been paid in full per guides UCC termination<br> § Debt obligation must be included in the DTI and LTV/CLTV unless evidenced the debt has been paid <br> off in full (UCC termination is not evidence the debt has been paid in full.)<br> • CLTA endorsement XXXX is not allowed in lieu of a subordination agreement or XXXX terminatio - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Counter-per pg XXXX - Financed and <br> Collateralized <br> (UCC on title)<br> XXXX were purchased with financing. The XXXX are collateral for the separate debt used to purchase <br> the panels and a UCC fixtured filing has been filed for the panel as evidenced on the title report.<br> Properties with XXXX that meet the above definition are eligible when complying with the following <br> requirements:<br> • Credit report, title report, appraisal (if applicable) and related promissory note and security agreement that reflect <br> the terms of the secure loan to be obtained and reviewed<br> • Appraiser to include the XXXX in the value of the property (based on standard appraisal requirements) as <br> long as the documents provided evidence the panels cannot be repossessed for default on the financing terms, <br> • Debt obligation to be included in the debt-to-income ratio (XXXX) calculation and LTV/CLTV because a UCC fixture <br> filing is of record<br> • The UCC filing must be subordinated with one of the following:<br> o Subordination agreement<br> o UCC termination<br> § Debt obligation must be included in the DTI and XXXX/XXXX unless evidenced the debt has been paid <br> off in full (UCC termination is not evidence the debt has been paid in full.)<br> • CLTA endorsement XXXX is not allowed in lieu of a subordination agreement or UCC termination - Due Diligence Vendor-04/17/2025 <br> Counter-The attached is not a subordination agreement. Need a subordination agreement to this current XXXX lien mortgage. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-Missing Subordination Agreement XXXX lien showing on Title page XXXX, missing subordination agreement for XXXX lien mortgage. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-UCC lien is being terminated per attached. System is leased and lease amount is included in XXXX. Lease of XXXX confirmed per appraisal and no value given to XXXX. - Due Diligence Vendor-04/29/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3836364 | N/A | N/A |
| XXXX | xxxxxx7215 |  |  | Closed | 2025-04-06 23:16 | 2025-04-21 07:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-XXXX FICO Max XXXX% LTV, requesting loan amount of $XXXX, full doc income. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Are you saying the doc is missing a list of the compensating factors for the exception? Comp factors #XXXX-XXXX are listed on the top right of the document. If you are requesting something else, could you elaborate just so I'm sure I'm requesting the correct doc, thanks! - Seller-04/17/2025 <br> Counter-Missing compensating factors for exception. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-04/07/2025 | Ready for Review-Are you saying the doc is missing a list of the compensating factors for the exception? Comp factors #XXXX are listed on the top right of the document. If you are requesting something else, could you elaborate just so I'm sure I'm requesting the correct doc, thanks! - Seller-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 | Waived-XXXX FICO Max XXXX% LTV, requesting loan amount of $XXXX, full doc income. - Due Diligence Vendor-04/21/2025 | XXXX |  | Residual income over $5k. Residual income is actually $4,848.35 <br> Loan is full doc<br> 45 Month Mtg rating, 12 months required<br> Debt consolidation. Debt of $XXXX being paid off. | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3792194 | Originator Post-Close | Yes |
| XXXX | xxxxxx7215 |  |  | Closed | 2025-04-06 23:46 | 2025-04-15 06:37 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Corrected Notice of Right to Cancel received. - Due Diligence Vendor-04/15/2025 <br> Resolved- - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-The disclosed "Right to Cancel Expire Date" (XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) AF - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Corrected Notice of Right to Cancel received. - Due Diligence Vendor-04/15/2025 <br>Resolved- - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 3792282 | N/A | N/A |
| XXXX | xxxxxx9536 |  |  | Closed | 2025-04-07 12:18 | 2025-04-14 10:52 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This condition is resolved - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Is this resolved or an actual open condition? - Seller-04/11/2025 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg. #XXXX-XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan Meets HPML guideline, resolved <br> - Due Diligence Vendor-04/07/2025 | Ready for Review-Is this resolved or an actual open condition? - Seller-04/11/2025<br>| Resolved-This condition is resolved - Due Diligence Vendor-04/14/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3798344 | N/A | N/A |
| XXXX | xxxxxx9536 |  |  | Closed | 2025-04-07 12:18 | 2025-04-14 10:52 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-This condition is resolved - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Is this resolved or an actual open condition? - Seller-04/11/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, XXXX, An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg. #XXXX-XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan Meets HPML guideline, resolved <br> - Due Diligence Vendor-04/07/2025 | Ready for Review-Is this resolved or an actual open condition? - Seller-04/11/2025<br>| Resolved-This condition is resolved - Due Diligence Vendor-04/14/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3798343 | N/A | N/A |
| XXXX | xxxxxx7937 |  |  | Closed | 2025-04-08 00:04 | 2025-05-08 14:59 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Appraisal Update and/or Completion Report, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br> Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-Primary Value Appraisal is Expired (Days Difference is XXXX) Primary Value Appraisal is Expired, which is more than XXXX days at the note date. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Appraisal Update and/or Completion Report, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3802557 | N/A | N/A |
| XXXX | xxxxxx7937 |  |  | Closed | 2025-04-10 22:16 | 2025-05-08 12:30 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Document Uploaded. Resolved due to XXXX uploads and confirmation from title they are in 2nd Lien position - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Final Title Policy has the XXXX endorsement - Seller-05/07/2025 <br> Counter-Email from Selene Diligence Management to XXXX Management - Escalated - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Counter-What was sent in is proof of UCC filing - Not of Termination- It appears Everhomes per borrower LOE now has new financing in place and this needs to be subordinated due to guides section listed prior in condition • The UCC filing must be subordinated with one of the following:<br> o Subordination agreement<br> o UCC termination<br> § Debt obligation must be included in the DTI and XXXX/XXXX unless evidenced the debt has been paid <br> off in full (UCC termination is not evidence the debt has been paid in full.)<br> • CLTA endorsement XXXX is not allowed in lieu of a subordination agreement or UCC terminatio - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Counter-Per pg XXXX - Financed and <br> Collateralized <br> (UCC on title)<br> XXXX were purchased with financing. The XXXX are collateral for the separate debt used to purchase <br> the panels and a UCC fixtured filing has been filed for the panel as evidenced on the title report.<br> Properties with XXXX that meet the above definition are eligible when complying with the following <br> requirements:<br> • Credit report, title report, appraisal (if applicable) and related promissory note and security agreement that reflect <br> the terms of the secure loan to be obtained and reviewed<br> • Appraiser to include the XXXX in the value of the property (based on standard appraisal requirements) as <br> long as the documents provided evidence the panels cannot be repossessed for default on the financing terms, <br> • Debt obligation to be included in the debt-to-income ratio (DTI) calculation and LTV/CLTV because a UCC fixture <br> filing is of record<br> • The UCC filing must be subordinated with one of the following:<br> o Subordination agreement<br> o UCC termination<br> § Debt obligation must be included in the DTI and LTV/CLTV unless evidenced the debt has been paid <br> off in full (UCC termination is not evidence the debt has been paid in full.)<br> • CLTA endorsement XXXX is not allowed in lieu of a subordination agreement or UCC termination - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-Property Title Issue Title is showing a Financing statement for XXXX page XXXX which is a XXXX lien. Need to obtain a subordination agreement. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Final Title Policy has the XXXX endorsement - Seller-05/07/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Document Uploaded. Resolved due to XXXX uploads and confirmation from title they are in XXXX Lien position - Due Diligence Vendor-05/08/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3835364 | N/A | N/A |
| XXXX | xxxxxx7937 |  |  | Closed | 2025-04-10 21:42 | 2025-04-29 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Borrower XXXX Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-04/16/2025 <br> Resolved-Borrower does not receive a XXXX for XXXX as it is Non-taxable, Verified - Resolved - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-BorrowerXXXX Missing Missing XXXX for Borrower XXXX from State of California for In-Home care job - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-BorrowerXXXX Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-04/16/2025 <br> Resolved-Borrower does not receive a XXXX for XXXX as it is Non-taxable, Verified - Resolved - Due Diligence Vendor-04/16/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3835133 | N/A | N/A |
| XXXX | xxxxxx7937 |  |  | Closed | 2025-04-10 21:44 | 2025-04-29 08:38 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower XXXX Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Counter-We only have XXXX weeks of paystubs which is less than XXXX days. Per G/L's require XXXX days of pay and YTD earnings. Need additional week. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-Borrower XXXX Paystubs Less Than XXXX Month Provided - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Borrower XXXX Paystubs Less Than XXXX Month Provided Condition Resolved - Due Diligence Vendor-04/29/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3835138 | N/A | N/A |
| XXXX | xxxxxx7937 |  |  | Closed | 2025-04-10 21:44 | 2025-04-29 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Borrower XXXX IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/16/2025 <br> Resolved-Borrower does not receive a W2 for IHSS as it is Non-taxable. IHSS stubs confirm no Federal, State, FICA or Medicate deducted. SOC-XXXX in file confirms IHSS wages are excluded from federal and state personal income taxes. SOC XXXX on pages XXXX - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-Borrower XXXX IRS Transcripts Missing - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Borrower XXXX IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-04/16/2025 <br> Resolved-Borrower does not receive a XXXX for XXXX as it is Non-taxable. IHSS stubs confirm no Federal, State, FICA or Medicate deducted. XXXX in file confirms IHSS wages are excluded from federal and state personal income taxes. SOC XXXX on pages XXXX - Due Diligence Vendor-04/16/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3835139 | N/A | N/A |
| XXXX | xxxxxx7937 |  |  | Closed | 2025-04-11 06:36 | 2025-04-17 12:09 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Per doctor letter income for adopted child XXXX income will continue until child turns XXXX. Child was born onXXXXso income will continue until XXXX. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-Appears adoption assistance for $XXXX stopped on XXXX per page XXXX. Need documentation that this income will continue. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Per doctor letter income for adopted child XXXX income will continue until child turns XXXX. Child was born on XXXX so income will continue until XXXX. - Due Diligence Vendor-04/17/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3838211 | N/A | N/A |
| XXXX | xxxxxx9672 |  |  | Closed | 2025-04-09 04:30 | 2025-04-14 01:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Updated Borrower XXXX Driver license provided. - Due Diligence Vendor-04/14/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-Borrower XXXX Driver license is expired on XXXX3 which is on pg#XXXX<br> - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Updated Borrower XXXX Driver license provided. - Due Diligence Vendor-04/14/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/14/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3814610 | N/A | N/A |
| XXXX | xxxxxx9672 |  |  | Closed | 2025-04-09 04:20 | 2025-04-09 04:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated XXXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX, Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure OR the LE's page as the page#XXXX-XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXXX XXXX, XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-04/09/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX, Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure OR the LE's page as the page#XXXX-XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-04/09/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3814574 | N/A | N/A |
| XXXX | xxxxxx9672 |  |  | Closed | 2025-04-09 04:20 | 2025-04-09 04:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX.XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX.XXXX. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX, Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure OR the LE's page as the page#XXXX-XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-04/09/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX, Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure OR the LE's page as the page#XXXX-XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-04/09/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3814575 | N/A | N/A |
| XXXX | xxxxxx9432 |  |  | Closed | 2025-04-09 04:36 | 2025-04-11 05:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-SSI Income of $XXXX grossed up by XXXX% which gives SSI income of $XXXX, Verified - Resolved - Due Diligence Vendor-04/11/2025 <br> Ready for Review-it is grossed up by XXXX% due to it not being taxes. tax returns in file. - Seller-04/10/2025 <br> Open-Per Final XXXX, XXXX the Borrower1 SSI income is $XXXX but per Income document pg#XXXX, the SSI Income is $XXXX. Provide Income documents supporting Originator SSI income of $XXXX - Due Diligence Vendor-04/09/2025 | Ready for Review-it is grossed up by XXXX% due to it not being taxes. tax returns in file. - Seller-04/10/2025 | Resolved-SSI Income of $XXXX grossed up by XXXX% which gives SSI income of $XXXX, Verified - Resolved - Due Diligence Vendor-04/11/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3814622 | N/A | N/A |
| XXXX | xxxxxx9432 |  |  | Closed | 2025-04-09 03:51 | 2025-04-09 03:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, XXXX. An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX-XXXX the appraisal disclosure was provided to the borrower pg.#XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan Meets HPML guideline, resolved <br> - Due Diligence Vendor-04/09/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, XXXX. An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX-XXXX the appraisal disclosure was provided to the borrower pg.#XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan Meets HPML guideline, resolved <br> - Due Diligence Vendor-04/09/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3814461 | N/A | N/A |
| XXXX | xxxxxx9432 |  |  | Closed | 2025-04-09 03:51 | 2025-04-09 03:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code XXXX(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, XXXX. An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX-XXXX the appraisal disclosure was provided to the borrower pg.#XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan Meets HPML guideline, resolved <br> - Due Diligence Vendor-04/09/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg. #XXXX, Final CD is on page #XXXX-XXXX the appraisal disclosure was provided to the borrower pg.#XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan Meets HPML guideline, resolved <br> - Due Diligence Vendor-04/09/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3814462 | N/A | N/A |
| XXXX | xxxxxx8697 |  |  | Closed | 2025-04-10 12:02 | 2025-04-17 06:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. updated XXXX, please see attached. - Seller-04/14/2025 <br> Open-The Final XXXX is Incomplete. This is investment property, Mailing address cannot be same as property address. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. updated XXXX, please see attached. - Seller-04/14/2025 | Resolved-The Final XXXX is Present - Due Diligence Vendor-04/15/2025 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Home Improvement/Reno | 3830741 | N/A | N/A |
| XXXX | xxxxxx8926 |  |  | Closed | 2025-04-09 07:56 | 2025-04-09 07:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX, Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure OR the LE's page as the page#XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-04/09/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXXX, Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure OR the LE's page as the page#XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-04/09/2025 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3816069 | N/A | N/A |
| XXXX | xxxxxx0353 |  |  | Closed | 2025-04-11 03:04 | 2025-04-11 03:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. "Loan is a closed end second lien and is not required to escrow "on Closed end Second lien only and the Final Closing disclosure on Pg#XXXX reflects no escrows. Rate lock date was entered correctly – see Pg#XXXX. An interior and exterior appraisal was completed for this property – see pg #XXXX, the appraisal disclosure is provided on Page #XXXX-XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/11/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. "Loan is a closed end second lien and is not required to escrow "on Closed end Second lien only and the Final Closing disclosure on Pg#XXXX reflects no escrows. Rate lock date was entered correctly – see Pg#XXXX. An interior and exterior appraisal was completed for this property – see pg #XXXX, the appraisal disclosure is provided on Page #XXXX-XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/11/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3837156 | N/A | N/A |
| XXXX | xxxxxx0353 |  |  | Closed | 2025-04-11 03:04 | 2025-04-11 03:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. "Loan is a closed end second lien and is not required to escrow "on Closed end Second lien only and the Final Closing disclosure on Pg#XXXX reflects no escrows. Rate lock date was entered correctly – see Pg#XXXX. An interior and exterior appraisal was completed for this property – see pg #XXXX, the appraisal disclosure is provided on Page #XXXX-XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/11/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. "Loan is a closed end second lien and is not required to escrow "on Closed end Second lien only and the Final Closing disclosure on Pg#XXXX reflects no escrows. Rate lock date was entered correctly – see Pg#XXXX. An interior and exterior appraisal was completed for this property – see pg #XXXX, the appraisal disclosure is provided on Page #XXXX-XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX-XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/11/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3837157 | N/A | N/A |
| XXXX | xxxxxx0161 |  |  | Closed | 2025-04-11 00:03 | 2025-04-16 09:37 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD updated, resolved. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Requesting for clarification of Right to Cancel documentation. The provided doc indicates a start date of XXXX with an expiration date of XXXX. However, the Notary date is XXXXand disbursement date is XXXX which falls before the third business day following consummation. Cancel date and disbursement date is on same date resulting in RIGHT OF RESCISSION.<br> - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-PCCD updated, resolved. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3836133 | N/A | N/A |
| XXXX | xxxxxx0161 |  |  | Closed | 2025-04-11 00:03 | 2025-04-16 09:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX,XXXX The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/16/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX,XXXX The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/11/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX,XXXX The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/16/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX,XXXX The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/11/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3836131 | N/A | N/A |
| XXXX | xxxxxx0161 |  |  | Closed | 2025-04-11 00:03 | 2025-04-16 09:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (XXXX) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX,XXXX The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/16/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.218%) equals or exceeds the California HPML threshold of (10.15%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX,XXXX The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/11/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX,XXXX The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/16/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, ECOA Appraisal Disclosure provided on page XXXX,XXXX The copy of appraisal sent to borrower confirmation page#XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/11/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3836132 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-10 22:47 | 2025-04-21 13:37 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan Meets HPML guideline, resolved - Due Diligence Vendor-04/21/2025 <br> Resolved-The loan Meets HPML guideline, resolved - Due Diligence Vendor-04/21/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, XXXX, An interior and exterior appraisal was completed for this property – see pg#XXXX, Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg. #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX The loan Meets HPML guideline, resolved - Due Diligence Vendor-04/16/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. pccd uploaded. - Seller-04/15/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, XXXX, An interior and exterior appraisal was completed for this property – see pg#XXXX, Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg. #XXXX confirmation the appraisal was delivered to the borrower in file page #11. The loan Meets HPML guideline, resolved <br> - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. pccd uploaded. - Seller-04/15/2025<br>| Resolved-The loan Meets HPML guideline, resolved - Due Diligence Vendor-04/21/2025 <br> Resolved-The loan Meets HPML guideline, resolved - Due Diligence Vendor-04/21/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXXX, XXXX, An interior and exterior appraisal was completed for this property – see pg#XXXX, Final CD is on page #XXXX the appraisal disclosure was provided to the borrower pg. #XXXX confirmation the appraisal was delivered to the borrower in file page #XXXX. The loan Meets HPML guideline, resolved - Due Diligence Vendor-04/16/2025 | XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3835885 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-10 22:47 | 2025-04-21 13:26 | Resolved | 1 - Information C A | Compliance | XXXX | Interest: DaysInYear | Resolved-Days in year corrected. - Due Diligence Vendor-04/21/2025 <br> Open-The interest days in year used to calculate the interest (Actual XXXX) is less than XXXX days. The Washington Interest and Usury provisions require the number of days used for the interest rate calculation to equal XXXX. (XXXX; XXXX v. XXXX., XXXX XXXX. 2d XXXX, XXXX P. 2d XXXX (1978)) The interest days in year used to calculate the interest (Periodic XXXX) is made per Instructions. - Due Diligence Vendor-04/11/2025 |  | Resolved-Days in year corrected. - Due Diligence Vendor-04/21/2025<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3835884 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-10 22:47 | 2025-04-21 06:37 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Washington - Discount Points | Resolved-Documentation received pertaining to undiscounted rate. Disclosure page updated accordingly. - Due Diligence Vendor-04/21/2025 <br> Resolved- - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. Undiscounted rate is 9.635 and our note rate is XXXX. The attached COC also reflects the change in pricing onXXXX, prior to loan closing. - Seller-04/18/2025 <br> Open-The Washington Administrative Code requires the discount points actually lower the rate. The note rate (XXXX5%) is not lower than the undiscounted rate (0.0%). XXXX)(e). The note rate is (XXXX%) and undiscounted rate is not provided in file. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Undiscounted rate is XXXX and our note rate is XXXX. The attached COC also reflects the change in pricing on XXXX, prior to loan closing. - Seller-04/18/2025 | Resolved-Documentation received pertaining to undiscounted rate. Disclosure page updated accordingly. - Due Diligence Vendor-04/21/2025 <br>Resolved- - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3835890 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-11 06:35 | 2025-04-21 06:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Corrected final CD received - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. attached. - Seller-04/17/2025 <br>Open-TRID: Missing Closing Disclosure Final CD provided with no Partial Payments selection. Provide updated Final CD with Partial Payments selection. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. attached. - Seller-04/17/2025<br>| Resolved-Corrected final CD received - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3838201 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-10 22:47 | 2025-04-16 15:09 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br> Resolved- - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. please see pccd. - Seller-04/15/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (XXXX) and "Right to Cancel Expire Date" (XXXX) is per Right to Cancel document and considered the same in disclosures tab. LM reflecting incorrect Right to Cancel Expire Date" (XXXX) - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. please see pccd. - Seller-04/15/2025<br>| Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br>Resolved- - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3835886 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-10 22:47 | 2025-04-16 15:09 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br> Resolved- - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-The disclosed "Right to Cancel Expire Date" XXXX) is earlier than the system calculated "Right to Cancel Expire Date" XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (XXXX) and "Right to Cancel Expire Date" (XXXX) is per Right to Cancel document and considered the same in disclosures tab. LM reflecting incorrect Right to Cancel Expire Date" (XXXX) - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br>Resolved- - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3835888 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-11 00:32 | 2025-04-16 15:09 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | Washington - Days Used For Interest Calculation | Resolved-Corrected days in year. - Due Diligence Vendor-04/21/2025 <br> Resolved- - Due Diligence Vendor-04/16/2025 <br> Open-The days in year number is (XXXX). The Washington Interest and Usury provisions require the number of days used for the interest rate calculation to equal XXXX. (XXXX (1978)) Days In Year selection made 360 per Instructions. - Due Diligence Vendor-04/11/2025 |  | Resolved-Corrected days in year. - Due Diligence Vendor-04/21/2025 <br>Resolved- - Due Diligence Vendor-04/16/2025<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3836309 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-14 06:57 | 2025-04-16 15:09 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br> Resolved- - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-The disclosed Total of Payments ($XXXX) is understated by more than $XXXX when compared to the actual Total of Payments of ($XXXX). The difference is ($XXXX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XXXX. (12 CFR 1026.23(h)(2)(ii)) . - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br>Resolved- - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3853551 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-14 06:57 | 2025-04-16 15:09 | Resolved | 1 - Information C A | Compliance | XXXX | Tolerance: Disclosure | Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. pccd - Seller-04/15/2025 <br> Open-The Prior CD1 sent on (XXXX) was received at least 3 business days before closing. The Last CD sent on (XXXX) was not received at least XXXX business days before closing. The Prior CD1 (XXXX%) APR is inaccurate when compared to the (XXXX%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XXXX), which XXXX XXXX business days before the (XXXX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it XXXX business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least 3 business days before closing and the actual APR. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. pccd - Seller-04/15/2025<br>| Resolved-PCCD received - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3853553 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-14 06:57 | 2025-04-16 15:09 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Rescission Tolerance | Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br> Resolved- - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-The disclosed Total of Payments ($XXXX) is understated by more than the greater of $100 or XXXX of XXXX% of the note amount when compared to the actual Total of Payments of ($XXXX). The difference is ($XXXX. For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than XXXX of XXXX percent of the face amount of the note ($XXXX) or $XXXX, whichever is greater. (12 CFR 1026.23(g)(1)(ii)) . - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br>Resolved- - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3853554 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-14 06:57 | 2025-04-16 15:09 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-XXXX received - Due Diligence Vendor-04/21/2025 <br> Resolved- - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-The disclosed finance charge ($XXXX) is (XXXX) below the actual finance charge ($XXXX. For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (XXXX USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br>Resolved- - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3853555 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-14 06:57 | 2025-04-16 15:09 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Closed End Finance Charge Rescission Tolerance | Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br> Resolved- - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-The disclosed finance charge ($XXXX) is less than the actual finance charge ($XXXX) by ($XXXX). For rescission purposes, the Truth in Lending Act considers the finance charge inaccurate if it is understated by more than half of 1% of the note amount ($XXXX) or $XXXX, whichever is greater. (12 CFR 1026.23(g); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br>Resolved- - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3853556 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-14 06:57 | 2025-04-16 15:09 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br> Resolved- - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br>Resolved- - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3853557 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-14 06:57 | 2025-04-16 15:09 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period | Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br> Resolved- - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. pccd is uploaded - Seller-04/15/2025 <br> Open-The Annual Percentage Rate of (XXXX%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than XXXX business days before the consummation date of (XXXX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(A); 1026.22(a)(2)) . - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. pccd is uploaded - Seller-04/15/2025<br>| Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br>Resolved- - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3853558 | N/A | N/A |
| XXXX | xxxxxx6727 |  |  | Closed | 2025-04-14 06:57 | 2025-04-16 15:09 | Resolved | 1 - Information C A | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br> Resolved- - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. pccd attached - Seller-04/15/2025 <br> Open-The disclosed APR (XXXX) is lower than the actual APR (XXXX) by more than .XXXX%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .XXXX% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) . - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. pccd attached - Seller-04/15/2025<br>| Resolved-PCCD received - Due Diligence Vendor-04/21/2025 <br>Resolved- - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3853559 | N/A | N/A |
| XXXX | xxxxxx9503 |  |  | Closed | 2025-04-12 00:18 | 2025-04-17 11:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Updated docs uploaded. Resolved. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-The Calculated Income and Lender Income worksheet on Page #XXXX reflects Total Qualifying Income of XXXX, whereas the Final XXXX & XXXX reflects the Total Qualifying Income as $XXXX, which is greater than the calculated income. Provide clarification or an updated Final XXXX & XXXX.<br> - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Updated docs uploaded. Resolved. - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3847514 | N/A | N/A |
| XXXX | xxxxxx9503 |  |  | Closed | 2025-04-12 00:30 | 2025-04-17 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-The XXXX document is missing from the loan file. The incorrect DTI is listed on the provided XXXX. The DTI on the XXXX and lender approval reflects XXXX5%, but the calculated DTI is XXXX% because the verified "All Other Monthly Payments Used for Qualifying" is $XXXX. However, the XXXX document shows "All Other Monthly Payments Used for Qualifying" as $XXXXbecause the installment tradeline "XXXX #XXXX," which has a balance of less than XXXX installment months, was not excluded in the XXXX "All Other Monthly Payments." Additionally, the borrower's total qualifying income reflects $XXXX, whereas the calculated income is $XXXX, which causes the DTI discrepancy.<br> - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-04/17/2025 | XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3847581 | N/A | N/A |
| XXXX | xxxxxx9503 |  |  | Closed | 2025-04-12 00:09 | 2025-04-12 00:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. "Loan is a closed end second lien and is not required to escrow" on Closed end Second only. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, Appraisal Disclosure provided on page #XXXX. The copy of appraisal sent to borrower confirmation page#XXXX-XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/12/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. "Loan is a closed end second lien and is not required to escrow" on Closed end Second only. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see pg#XXXX, Appraisal Disclosure provided on page #XXXX. The copy of appraisal sent to borrower confirmation page#XXXX-XXXX,. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-04/12/2025 |  |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 3847512 | N/A | N/A |
| XXXX | xxxxxx7903 |  |  | Closed | 2025-04-15 02:45 | 2025-04-23 06:08 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. loan disbursedXXXX, please see attached - Seller-04/21/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (RegXXXX3(c) and Official Staff Commentary) Cancel date XXXX is same as disbursement date XXXX. Advise as the dates cannot coincide.<br> - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. loan disbursedXXXX, please see attached - Seller-04/21/2025 | Resolved-Resolved - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3864083 | N/A | N/A |
| XXXX | xxxxxx7343 |  |  | Closed | 2025-11-19 01:06 | 2025-12-16 16:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Waived. Exception provided for credit score. - Due Diligence Vendor-12/16/2025 <br> Waived-Audited FICO of XXXX is less than Guideline FICO of XXXX Document Uploaded. Exception to allow XXXX FICO to proceed as XXXX FICO at XXXX% CLTV - Due Diligence Vendor-11/19/2025 |  | Waived-Waived. Exception provided for credit score. - Due Diligence Vendor-12/16/2025 <br> Waived-Audited FICO of XXXX is less than Guideline FICO of XXXX Document Uploaded. Exception to allow XXXX FICO to proceed as V FICO at XXXX% CLTV - Due Diligence Vendor-11/19/2025 | XXXX |  | Borrower has $6,305 residual income after all expenses. Minimum Residual Income required per guidelines is $2500. <br> Borrower has lived in subject property 5 years. <br>| TX | Primary Residence | Refinance | Cash Out - Other | 6299493 | Originator Pre-Close | Yes |
| XXXX | xxxxxx7343 |  |  | Closed | 2025-11-19 00:38 | 2025-11-25 06:39 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. No escrows are collected on a 2nd lien and the Final Closing disclosure on Pg#'s XXXX confirms no escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower is attached. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. No escrows are collected on a 2nd lien and the Final Closing disclosure on Pg#'s XXXX confirms no escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower is attached. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. PROOF UPLOADED - Seller-11/24/2025 <br> Counter-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. No escrows are collected on a 2nd lien and the Final Closing disclosure on Pg#'s XXXX confirms no escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower is missing. - Due Diligence Vendor-11/24/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX.XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-11/24/2025 <br> Open- - Due Diligence Vendor-11/24/2025 <br> Counter-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. No escrows are collected on a 2nd lien and the Final Closing disclosure on Pg#'s V confirms no escrows. Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower is missing. <br> - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Loan is HPML but has an appraisal. XXXX liens do not have impounds. - Seller-11/22/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/19/2025 <br> Open- - Due Diligence Vendor-11/19/2025 <br> Open- - Due Diligence Vendor-11/19/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-11/19/2025 <br> Open- - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. PROOF UPLOADED - Seller-11/24/2025 <br>Ready for Review-Loan is HPML but has an appraisal. 2nd liens do not have impounds. - Seller-11/22/2025<br>| Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. No escrows are collected on a 2nd lien and the Final Closing disclosure on Pg#'s XXXX confirms no escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower is attached. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/25/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. No escrows are collected on a XXXX lien and the Final Closing disclosure on Pg#'s XXXX confirms no escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower is attached. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/25/2025 | XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6299374 | N/A | N/A |
| XXXX | xxxxxx7343 |  |  | Closed | 2025-11-19 00:38 | 2025-11-24 11:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Section 50 a6 Notice is Missing | Resolved-Texas Section XXXX XXXX Notice uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/24/2025 <br> Resolved-Validation resolved. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. attached - Seller-11/21/2025 <br> Open-Section XXXX XXXX Notice is Missing Provided Document Section XXXX XXXX Notice is Not Signed Required Signed document. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. attached - Seller-11/21/2025<br>| Resolved-Texas Section XXXX XXXX Notice uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/24/2025 <br> Resolved-Validation resolved. - Due Diligence Vendor-11/24/2025 | XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6299368 | N/A | N/A |

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## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxxx1964 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 17.65 | 53.09 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| xxxxxx5976 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.05 | 79.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx9602 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.0 | 68.08 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 | XXXX |
| xxxxxx6195 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.0 | 55.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx3789 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.0 | 82.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx1076 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.47 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| xxxxxx1365 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.78 | 67.02 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx9895 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.28 | 64.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 | XXXX |
| xxxxxx1897 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.94 | 74.3 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 | XXXX |
| xxxxxx9736 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 16.99 | 62.29 | XXXX | XXXX | -.0589 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0589 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx1625 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.0 | 61.31 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 | XXXX |
| xxxxxx8572 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 10.48 | 39.27 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| xxxxxx9617 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.05 | 72.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx9665 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.38 | 70.81 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXX |
| xxxxxx1032 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.09 | 79.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx8182 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.8 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx8080 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.86 | 74.09 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx0874 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.64 | 78.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0641 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXX |
| xxxxxx9373 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.41 | 68.95 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 | XXXX |
| xxxxxx7105 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.56 | 69.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 | XXXX |
| xxxxxx8194 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.9 | 71.89 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 | XXXX |
| xxxxxx7560 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.96 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 | XXXX |
| xxxxxx8195 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 16.58 | 61.01 | XXXX | XXXX | -.0575 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0575 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx7955 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.42 | 45.72 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 | XXXX |
| xxxxxx9292 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.81 | 80.21 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx6425 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.23 | 79.37 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 | XXXX |
| xxxxxx5029 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.51 | 79.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx2871 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.53 | 69.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 | XXXX |
| xxxxxx8250 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.34 | 74.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No risk score noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 | XXXX |
| xxxxxx6158 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.62 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 | XXXX |
| xxxxxx9478 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.12 | 74.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No risk score noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 | XXXX |
| xxxxxx2649 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.38 | 75.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 | XXXX |
| xxxxxx2260 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 18.89 | 69.74 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| xxxxxx9962 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.16 | 74.85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 | XXXX |
| xxxxxx2755 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.68 | 84.97 | XXXX | XXXX | -.0772 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0772 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx2530 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.21 | 59.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx6909 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.93 | 79.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx2869 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.9 | 57.73 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXX |
| xxxxxx2519 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.79 | 71.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx1023 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.06 | 65.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx8721 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.82 | 32.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 | XXXX |
| xxxxxx0984 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 31.46 | 74.63 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 | XXXX |
| xxxxxx0576 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.36 | 61.47 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 | XXXX |
| xxxxxx1982 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.18 | 76.09 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx1592 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.57 | 74.95 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx5258 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 16.67 | 45.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx2950 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.2 | 53.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx1975 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 17.69 | 64.49 | XXXX | XXXX | -.0258 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0258 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx5810 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.25 | 69.57 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 | XXXX |
| xxxxxx7676 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.67 | 37.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx7174 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.26 | 64.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx1970 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.43 | 44.01 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 | XXXX |
| xxxxxx7867 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.28 | 69.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx7579 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.32 | 52.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx8293 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.23 | 69.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx8685 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.7 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx4493 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.74 | 76.15 | XXXX | XXXX | -.0435 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0435 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXX |
| xxxxxx7277 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 18.2 | 64.13 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx8833 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.96 | 76.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx9766 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 7.79 | 37.32 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx8384 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 8.13 | 34.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx4188 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.32 | 74.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx8481 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.0 | 78.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx4022 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 46.53 | 78.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx8914 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.62 | 56.61 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 | XXXX |
| xxxxxx0926 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.57 | 74.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx6032 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.33 | 54.43 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 | XXXX |
| xxxxxx1137 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.95 | 78.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx1299 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.0 | 74.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx9392 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.43 | 55.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 | XXXX |
| xxxxxx8654 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.0 | 59.28 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Resonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 | XXXX |
| xxxxxx0516 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.77 | 54.51 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXX |
| xxxxxx1487 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.3 | 69.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXX |
| xxxxxx9762 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.89 | 56.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx1510 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.25 | 71.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 | XXXX |
| xxxxxx1338 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.87 | 48.78 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 | XXXX |
| xxxxxx0058 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.2 | 77.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 | XXXX |
| xxxxxx1223 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 14.03 | 73.91 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx6492 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.2 | 28.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx1767 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 37.65 | 72.1 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx1128 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.42 | 61.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXX |
| xxxxxx4271 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 8.3 | 45.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx0414 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.47 | 84.39 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 | XXXX |
| xxxxxx9851 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.96 | 55.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 | XXXX |
| xxxxxx8493 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.86 | 72.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 | XXXX |
| xxxxxx1070 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.95 | 47.62 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 | XXXX |
| xxxxxx1449 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.66 | 69.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx0321 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.86 | 39.62 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 | XXXX |
| xxxxxx4218 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.7 | 54.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXX |
| xxxxxx3482 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.36 | 74.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 | XXXX |
| xxxxxx4374 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx4488 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.42 | 72.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx4463 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.79 | 49.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx2076 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.32 | 78.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXX |
| xxxxxx4876 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.29 | 55.77 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx5306 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.48 | 60.32 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx1410 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.41 | 77.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 | XXXX |
| xxxxxx6452 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.69 | 79.71 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXX |
| xxxxxx2508 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.41 | 74.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| xxxxxx5159 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 17.44 | 67.87 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| xxxxxx0325 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.63 | 58.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 | XXXX |
| xxxxxx5288 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.22 | 56.06 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXX |
| xxxxxx5054 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.89 | 51.52 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 | XXXX |
| xxxxxx5023 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.85 | 42.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 | XXXX |
| xxxxxx7178 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.71 | 67.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx8844 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.14 | 60.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 | XXXX |
| xxxxxx5319 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.71 | 69.73 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx5304 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 26.92 | 58.69 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| xxxxxx6504 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.75 | 56.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx3197 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.82 | 54.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx5269 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 14.55 | 47.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx4871 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.95 | 76.35 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 | XXXX |
| xxxxxx5042 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.05 | 66.36 | XXXX | XXXX | -.0337 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0337 | XXXX | No risk score noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 | XXXX |
| xxxxxx5164 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.0 | 74.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx5937 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.03 | 64.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 | XXXX |
| xxxxxx6252 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.36 | 73.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 | XXXX |
| xxxxxx5055 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.95 | 79.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx5852 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.87 | 74.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx5118 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.26 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx7588 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.94 | 65.52 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 | XXXX |
| xxxxxx5607 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.53 | 64.44 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 | XXXX |
| xxxxxx7192 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.9 | 69.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx7248 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.85 | 63.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 | XXXX |
| xxxxxx4032 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.8 | 46.51 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| xxxxxx6248 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.52 | 79.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 | XXXX |
| xxxxxx5639 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 14.49 | 71.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| xxxxxx7034 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.56 | 57.9 | XXXX | XXXX | -.0714 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0714 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXX |
| xxxxxx5476 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.0 | 69.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 | XXXX |
| xxxxxx4761 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.09 | 68.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 | XXXX |
| xxxxxx7616 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 18.64 | 72.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| xxxxxx6283 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.44 | 59.09 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx6385 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 28.54 | 64.94 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| xxxxxx7059 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.22 | 74.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 | XXXX |
| xxxxxx8549 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.89 | 74.25 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No risk score noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 | XXXX |
| xxxxxx2161 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.5 | 68.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx7589 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.48 | 41.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx6822 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 22.78 | 71.96 | XXXX | XXXX | -.0996 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0996 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx5592 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.88 | 74.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx6400 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.9 | 65.45 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 | XXXX |
| xxxxxx6920 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.67 | 78.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx8048 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.1 | 69.88 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 | XXXX |
| xxxxxx3907 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.89 | 60.41 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 | XXXX |
| xxxxxx7897 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.62 | 79.69 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx6985 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.18 | 60.1 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 | XXXX |
| xxxxxx7783 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.73 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx2913 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.55 | 69.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx0037 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.0 | 73.54 | XXXX | XXXX | -.0240 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0240 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXX |
| xxxxxx3331 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.48 | 64.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 | XXXX |
| xxxxxx7988 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.94 | 40.31 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 | XXXX |
| xxxxxx8242 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.78 | 62.69 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx6959 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.01 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 | XXXX |
| xxxxxx9222 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.96 | 58.89 | XXXX | XXXX | -.0060 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx1092 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.82 | 74.82 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No risk score noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 | XXXX |
| xxxxxx6651 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.53 | 64.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx9240 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.07 | 74.97 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx8235 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.15 | 78.3 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 | XXXX |
| xxxxxx6040 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.21 | 43.6 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx8458 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.77 | 72.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx8758 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.64 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 | XXXX |
| xxxxxx4189 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.36 | 63.69 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXX |
| xxxxxx7679 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.69 | 74.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 | XXXX |
| xxxxxx7194 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.75 | 83.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx7625 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.57 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 | XXXX |
| xxxxxx6591 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.42 | 79.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 | XXXX |
| xxxxxx9725 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx8518 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.98 | 58.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 | XXXX |
| xxxxxx7215 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.45 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx9536 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.22 | 59.93 | XXXX | XXXX | -.0123 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0123 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx7937 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 17.39 | 62.61 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| xxxxxx9672 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.74 | 79.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 | XXXX |
| xxxxxx9432 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.49 | 70.09 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx8697 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.7 | 72.23 | XXXX | XXXX | -.0278 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0278 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 | XXXX |
| xxxxxx8926 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.53 | 74.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx9907 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.61 | 79.62 | XXXX | XXXX | -.0244 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0244 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx0353 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.51 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| xxxxxx0161 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.18 | 74.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx6727 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 11.36 | 51.51 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 | XXXX |
| xxxxxx9503 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.81 | 59.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxx7182 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.16 | 75.69 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.2 | XXXX |
| xxxxxx7903 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.78 | 59.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxx7343 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.84 | 75.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

---

## Exhibit 99.7

**Exhibit 99.7**

Executive Summary

**4.** **DESCRIPTION OF THE DUE DILIGENCE SERVICES**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from March 2022 to October 2025 and were collateralized by residential real estate purchased by the applicable mortgagors for the purpose of generating rental income (the "Loans"). The loans were acquired by Barclays Mortgage Loan Trust 2026-CES1 (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the Loans was acquired by the Seller from various lenders a lender through a delegated correspondent channel.

**2.** **Sample** **Size of Assets Reviewed** 

This report reflects 1371 loans selected by the Client to include in BARC 2026-CES1 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample** **Size Determination** 

The Client, in its sole discretion, determined the loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 1371 loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data** **Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| **Field Name** | **Field Name** |
| Amortization Type | Total Debt to Income Ratio |
| Amortized Original Term | First Payment Date |
| Appraised Value | Interest Only Flag |
| ARM Initial Adjustment Period | Lien Position |
| ARM Initial Rate Cap | Loan Purpose |
| ARM Lookback Period | Loan Term |
| ARM Margin | Loan Type |
| ARM Maximum Interest Rate | LTV |
| ARM Minimum Interest Rate | Note Date |
| ARM Payment Change Frequency | Occupancy |
| ARM Periodic Rate Cap | Original Interest Rate |
| ARM Periodic Rate Cap at first Adjustment Down | Original Principal and Interest |

---

Inglet Blair, LLC Deal Summary

BARC 2026-CES1

pg. 1

---

| | |
|:---|:---|
| ARM Periodic Rate Cap at first Adjustment Up | Original Principal Balance |
| ARM Rate Cap at first Adjustment Down | Property Type |
| ARM Rate Cap at first Adjustment Up | Representative Credit Score |
| ARM Rate Change Frequency | Residual Income |
| ATR/QM Designation | Sales Price |
| Borrower First Name | Subject Address |
| Borrower Last Name | Subject City |
| CLTV | Subject State |
| Doc Type | Subject Zip Code |

---

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

● Debt to Income ("DTI")

● Debt Service Coverage Ratio ("DSCR")

● Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

● Lien Position

● Gross Income

● Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

● Assets and Reserves

● Monthly debt service

● Residual Income

● Occupancy

● Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

● Meets the guidelines and, as applicable, regulatory documentation requirements

● Creditor income calculations are reasonable and as prescribed by the applicable guidelines

● Ensure borrower(s) is/are currently employed

Assets

● Confirm asset source and documentation requirements

● Re-calculate gross, net and liquid asset balances

● Incorporate gift funds and sourcing documentation

● Confirm and calculate reserve calculations

Credit Report

● Determine representative Credit Score and Methodology

● Number of tradelines

● Maximum amount of open tradelines

● Mortgage/Rental payment history

● Installment and Revolving payment history

● Bankruptcy and Foreclosure seasoning

● OFAC Alert(s)

Inglet Blair, LLC Deal Summary

BARC 2026-CES1

pg. 2

Credit Application (FNMA Form 1003)

● Substantially complete

● Employer and employment status

● Confirmation of loan purpose and occupancy

● Disposition and status of Real Estate Owned (REO)

● First time home buyer status

● Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

● Vestee(s)

● Title interest – Fee Simple or Leasehold

● Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review

**6.** **Collateral Review and** **Methodology** 

For closed-end second liens, the property value relied upon at origination was generally the value established at that time. Acceptable valuation methods included one of the following:

the original appraisal used for the purpose of the first lien (provided it is less than 1-year from the date of origination)

Automated Valuation Model (AVM) or Home Value Estimator (HVE) \*with a sufficient confidence score

When an appraisal was used, it was required to have been completed within 12 months prior to the note and mortgage date.

No additional or secondary valuation methods, including LCA or CU scores, were relied upon for purposes of the closed-end second lien scope.

When applicable, Loan(s) were analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;a. Was the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;b. Does the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;c. Does the appraisal indicate the appraiser's license or
certification, number and expiration date?

&nbsp;&nbsp;&nbsp;&nbsp;d. Does the appraisal disclose any extraordinary assumptions, hypothetical
conditions? Does the appraisal include a statement of assumptions and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;e. Is a minimum 3-year subject sale history included?

Inglet Blair, LLC Deal Summary

BARC 2026-CES1

pg. 3

&nbsp;&nbsp;&nbsp;&nbsp;f. Does
the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;g. Does
the appraisal summarize the process used to collect, confirm, and report data?

&nbsp;&nbsp;&nbsp;&nbsp;h. Does
the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;i. Does
the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;j. Does
the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;k. Does
the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;l. Was the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;m. Which of the industry recognized methods of valuation were included
that may have been utilized to support the institution's decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If any of these approaches have been omitted or excluded, is
there sufficient explanation provided as to why?

**7. Regulatory Compliance Review to Federal, State and Local Lending Laws**

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review. The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 3.0/4.0 TRID Compliance Review Scope standard as described below.

Federal Truth in Lending Act– Regulation Z

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer
Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm
acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Your
Home Loan Toolkit (1026.19(g)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm
acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided
 within 3 business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Federal
 High-cost (1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Identify
points and fees and/or APR threshold test failures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Prepayment
Penalty restrictions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher-priced
Mortgage Loans (1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR
Threshold with the corresponding appraisal and escrow requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right
of Rescission (1026.23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review
accuracy, timing and content of disclosure(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm
all requisite consumers received notice and correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Qualified
Mortgage Rule (1026.43(e))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Perform
points and fees test to confirm 3% threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence
to Appendix Q and DTI below 43%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
does not contain "risky feature" (IO, Negative Amortization, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contain
a valid and approved AUS

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ability-to-Repay
("ATR") (1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there
is no representation or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with
the determination. IB objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) The <u>consumer'</u>s current or reasonably expected income or assets, other than the value of the <u>dwelling,</u> including any real property attached to the <u>dwelling,</u> that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) If the creditor relies on income from the <u>consumer'</u>s employment in determining <u>repayment ability,</u> the <u>consumer'</u>s current employment status;

Inglet Blair, LLC Deal Summary

BARC 2026-CES1

pg. 4

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) The <u>consumer'</u>s monthly payment on the covered transaction, calculated in accordance with <u>paragraph (c)(5)</u> of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) The <u>consumer'</u>s monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with <u>paragraph (c)(6)</u> of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) The <u>consumer'</u>s monthly payment for mortgage-related obligations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) The <u>consumer'</u>s current <u>debt</u> obligations, alimony, and child support;

()The <u>consumer'</u>s monthly <u>debt-</u>to-income ratio or residual income in accordance with <u>paragraph (c)(7)</u> of this section; and%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(viii) The <u>consumer'</u>s credit history.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TRID
 (1026.36, 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan
Estimate ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial
LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate within
seven (7) business days of receipt

Provided within three (3) business days of a valid Change of Circumstance Complete in all material respects Contains NMLS ID

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm
the "In 5 Years" calculation is not over disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm
creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

Ensure technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

Recalculation of the Finance Charge, Amount Financed, Total of Payments ("TOP"), and

Total Interest Payments ("TIP")

Projected Payments - Re-calculation of Principal and Interest payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the correct number of columns

Adjustable Interest Rate and Adjustable Payment Tables are present, complete and accurate, if applicable

No fee charged for preparation of LE or CD

Fee descriptions conform with clear and conspicuous standard

Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

Loan Disclosures section is complete – Late Payment matches the note and the escrow section is consistent within the disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Fee
 and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing, including the presence,
 timing and a validation of a change of circumstance and corresponding fee changes

o Evidence
 Service Provider List and Your Home Loan Toolkit, if applicable, were provided or present
 in the loan file

o LE
 and CD form(s) provided to the borrower are consistent across the loan process

o NMLS
 ID is present on the loan application, note, security instrument, LE and CD, as applicable

o Items
 not tested, include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Categorization
of fees in the appropriate section

· Accuracy
of information for fields not expressly stated above

· Presence
and accuracy of the Seller's Transaction columns on the Seller's columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o State
High-cost and Predatory lending regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o RESPA
disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm
GFE and HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special
Information Booklet

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Notice
of Servicing Transfer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated
Business Arrangement Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership
Counseling Disclosures

Inglet Blair, LLC Deal Summary

BARC 2026-CES1

pg. 5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Equal
Credit Opportunity Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence,
acknowledgement and timing of the Right to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| **TRID Tested** | **No. of Loans** | **% of Population** |
| Yes | 1371 | 100.00% |
| **Total** | **1371** | **100%** |

---

**8.** **Any Other Type of Review**

There was no other review performed.

Inglet Blair, LLC Deal Summary

BARC 2026-CES1

pg. 6

**5. S** **UMMARY OF FINDING AND CONCLUSIONS OF REVIEW**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| **NRSRO Final Grade** | **No. of Loans** | **% of Population** |
| A | 833 | 60.76% |
| B | 538 | 39.24% |
| **Total** | **1371** | **100%** |

---

---

| | | |
|:---|:---|:---|
| **NRSRO Final Credit Grade** | **No. of Loans** | **% of Population** |
| A | 1177 | 85.85% |
| B | 194 | 14.15% |
| **Total** | **1371** | **100%** |

---

---

| | | |
|:---|:---|:---|
| **NRSRO Final Compliance Grade** | **No. of Loans** | **% of Population** |
| A | 977 | 71.26% |
| B | 394 | 28.74% |
| **Total** | **1371** | **100%** |

---

---

| | | |
|:---|:---|:---|
| **NRSRO Final Property Grade** | **No. of Loans** | **% of Population** |
| A | 1336 | 97.45% |
| B | 35 | 2.55% |
| **Total** | **1371** | **100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population

---

| | | |
|:---|:---|:---|
| **Amortization Type** | **No. of Loans** | **% of Population** |
| Fixed Rate | 1371 | 100.00% |
| **Total** | **1371** | **100%** |

---

---

| | | |
|:---|:---|:---|
| **Lien Position** | **No. of Loans** | **% of Population** |
| 2nd | 1371 | 100.00% |
| **Total** | **1371** | **100%** |

---

Inglet Blair, LLC Deal Summary

BARC 2026-CES1

pg. 7

---

| | | |
|:---|:---|:---|
| **Purpose** | **No. of Loans** | **% of Population** |
| Cash Out: Debt Consolidation<br> Proceeds used to pay off existing loans<br> other than loans secured by real<br> estate. | 837 | 61.05% |
| <br>Cash Out: Other/Multipurpose/ <br> Unknown purpose<br>| 533 | 38.88% |
| First Time Home Purchase, as defined<br> by American Recovery and<br> Reinvestment Act of 2009 (Purchaser<br> has not owned a principal residence in<br> the past three years.) | 1 | 0.07% |
| **Total** | **1371** | **100%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **No. of Loans** | **% of Population** |
| Single Family Detached (non-PUD) | 842 | 61.42% |
| Condo, Low Rise (4 or fewer stories) | 43 | 3.14% |
| Condo, High Rise (5+ stories) | 2 | 0.15% |
| dPUD (PUD with "de minimus" monthly HOA dues) | 15 | 1.09% |
| PUD (Only for use with Single-Family <br> Detached Homes with PUD riders) | 449 | 32.75% |
| Townhouse (Do not report as "PUD") | 12 | 0.88% |
| 1 Family Attached | 6 | 0.44% |
| 2 Family | 1 | 0.07% |
| 3 Family | 1 | 0.07% |
| **Total** | **1371** | **100%** |

---

---

| | | |
|:---|:---|:---|
| **LTV** | **No. of Loans** | **% of Population** |
| **00.01- 10.00** | **177** | 12.91% |
| **10.01- 20.00** | **694** | 50.62% |
| **20.01- 30.00** | **393** | 28.67% |
| **30.01- 40.00** | **90** | 6.56% |
| **40.01- 50.00** | **16** | 1.17% |
| **50.01- 60.00** | **1** | 0.07% |
| **60.01- 70.00** | **0** | 0.00% |
| **70.01- 80.00** | **0** | 0.00% |
| **80.01- 90.00** | **0** | 0.00% |
| **90.01- 100.00** | **0** | 0.00% |
| **Total** | **1371** | **100%** |

---

Inglet Blair, LLC Deal Summary

BARC 2026-CES1

pg. 8

---

| | | |
|:---|:---|:---|
| **CLTV** | **No. of Loans** | **% of Population** |
| **00.01- 10.00** | **0** | 0.00% |
| **10.01- 20.00** | **2** | 0.15% |
| **20.01- 30.00** | **17** | 1.24% |
| **30.01- 40.00** | **48** | 3.50% |
| **40.01- 50.00** | **115** | 8.39% |
| **50.01- 60.00** | **220** | 16.05% |
| **60.01- 70.00** | **358** | 26.11% |
| **70.01- 80.00** | **475** | 34.65% |
| **80.01- 90.00** | **136** | 9.92% |
| **90.01- 100.00** | **0** | 0.00% |
| **Total** | **1371** | **100%** |

---

Inglet Blair, LLC Deal Summary

BARC 2026-CES1

pg. 9

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number (Selling Lender)** | **Loan Number (Purchasing Lender)** | **Data Field** | **Tape Data** | **IB Review Value** | **Discrepancy Comments** |
| XXXX | XXXX | Loan Purpose | Cash Out Refinance | Purchase | Source of tape is unknown, subject is a purchase transaction. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.06% | 44.85% | Source of tape is unknown. 1008 reflects approved DTI of 44.833%, Review DTI 44.85%. Non-Material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape reflects the purchase price. <br>Value confirmed with appraisal on page 125. |
| XXXX | XXXX | Occupancy | Investor Owned | Owner Occupied | Loan was approved as Investment, Review considered as owner occupied as the borrower was still residing in the residence and the cash out proceeds from this transaction were to be used to purchase new primary. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.88% | 42.05% | UTD tape DTI. Approval and 1008 DTI 42.418% which review DTI is inline with. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type confirmed with appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.27% | 29.25% | Source of tape is unknown. Approved DTI per updated AUS 35.22%, Review DTI 29.62%. Variance is due to lender including subject taxes and insurance twice as 1st lien payment of $2911 includes escrows. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Tape reflects full, Review considered Full/ Alt per income documentation required per AUS. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as a PUD per the appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance due to lower verified UPB 1st lien. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.53% | 47.30% | Non-material variance. |
| XXXX | XXXX | Representative Credit Score | 688 | 706 | Tape reflects the lower mid FICO of the 2 borrowers. Review reflects the mid FICO of the primary wage earner. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type confirmed with appraisal. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Original Note Balance confirmed with note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Confirmed with correction to original note balance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Confirmed with correction to original note. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.00% | 45.86% | UTD tape DTI. AUS DTI 45.55% vs. Review DTI 45.86% which is non-material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value confirmed with appraisal. |
| XXXX | XXXX | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Subject transaction is non-purchase 2nd lien cash out. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance appears to be due to rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review LTV/CLTV is based on AVM 1 dated 05/18/23 which reflects value of $XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.48% | 49.13% | Review LTV/CLTV is based on AVM 1 dated 05/18/23 which reflects value of $715,069. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of tape is unknown, loan approved as full doc. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Source of tape is unknown. File contains 2 AVM. AVM 1 dated 05/18/23 reflects value of $715,069. AVM 2 dated 06/07/23 reflects value of $747,000. Lessor value from AMV1 used for LTV/CLTV calculation. |
| XXXX | XXXX | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Tape Value source is unknown. Review Value agrees with the 1008/1003/CD; loan proceeds used for debt consolidation and cash in hand. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.22% | 43.73% | Tape Value is the HTI. Review Value is the DTI. Approved DTI 41.504% < Review Value 43.73%, variance < 3% deemed immaterial (Non QM - Max Allowed 45%). |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full/Alternate | Tape Value source is unknown. Review Value agrees with the Loan Approval and corresponding documents in file Paystub and W2s. |
| XXXX | XXXX | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Tape Value source is unknown. Review Value agrees with 1008/1003/CD; existing 2nd lien refinance with cash in hand. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Immaterial variance due to Tape Value rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.32% | 33.07% | Variance < 3% deemed immaterial. |
| XXXX | XXXX | Representative Credit Score | 749 | 773 | Tape Value is B2 middle credit score. Review Value is B1 middle credit score. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Tape Value source is unknown. Review Value agrees with 1008; paystub and W2s in file. |
| XXXX | XXXX | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Tape Value source is unknown. Review Value agrees with loan 1008/1003/CD. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Immaterial variance due to updated balance on 1st Lien. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.43% | 43.91% | Variance < 3% deemed immaterial. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Tape Value source is unknown. Review Value agrees with loan approval and income documentation in file. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Tape Value source is unknown. Review Value captured as stated in the appraisal. Review verified PUD Rider included with Mortgage. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.36% | 34.50% | Variance < 3% deemed immaterial. |
| XXXX | XXXX | Representative Credit Score | 736 | 602 | Tape Value is B1 middle credit score. Review Value is B2 middle credit score. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | 12M Doc Program is considered Full/Alt doc program. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.42% | 42.14% | Variance < 3% deemed immaterial. |
| XXXX | XXXX | Representative Credit Score | 753 | 689 | Tape Value is B2 middle credit score. Review Value is B1 middle credit score. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Tape Value source is unknown. Full documentation in file. |
| XXXX | XXXX | Representative Credit Score | 735 | 653 | Review indicator credit score is the lowest mid-score of the borrowers which is the Co-borrowers. Tape value is the mid-score of the borrower. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Review document type is full due to >24 months income documentation. Lender value is unknown. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full/Alternate | Review doc type is Full/Alternate. Source of tape value is unknown. Lock confirmation reflects 12 Mo. Full Doc. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified per Appraisal as Detached PUD. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.28% | 26.20% | Immaterial variance. Review DTI is 26.20%. 1008 in file reflects 27.874%. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full/Alternate | Income type is Full/Alt per Review as loan was approved w/12 mths Income Doc Verification. Source of tape value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified per Appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.29% | 29.26% | Variance < 3% due to rounding deemed immaterial. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Income type is Full. Source of lender's tape value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property Type verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.12 deemed immaterial. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.47% | 47.58% | Tape Value is rounded. Approved DTI 46.683%. Variance < 3% deemed immaterial. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Review doc type is Full/Alternate. Source of tape value is unknown. Lock confirmation reflects 12 Mo. Full Doc |
| XXXX | XXXX | Total Debt to Income Ratio | 0.42% | 44.97% | Approved DTI 42.33%, Review DTI 44.97%, Variance is less than 3% and considered non-material. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Source of tape is unknown, Loan approved as full doc (WVOE). |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Tape Value source is unknown. Review Value captured as stated in the appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance of 0.14% due to Tape Value rounding deemed immaterial. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.47% | 46.64% | Approved DTI 46.637%. Tape Value is rounded. Variance < 3% deemed immaterial. |
| XXXX | XXXX | Representative Credit Score | 733 | 637 | Tape Value is B1 middle credit score. Review Value is B2 middle credit score. Seller GL allows use of higher middle credit score. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full/Alternate | Review doc type is Full/Alternate. Source of Tape Value is unknown. Lock confirmation reflects 12 Mo. Full Doc. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.50% | 49.60% | Variance < 3% deemed immaterial. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Source of tape is unknown, Loan verified as full/alt doc with YTD and prior year income documentation. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Recd credit supplement. Final Review CLTV XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.42% | 43.67% | Variance < 3% deemed immaterial. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full/Alternate | Review doc type is Full/Alternate. Source of tape value is unknown. Lock confirmation reflects 12 Mo. Full Doc |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Tape Value source is unknown. Review Value captured as per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.27% deemed immaterial. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.38% | 38.48% | Variance due to rounding deemed immaterial. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Review doc type is Full/Alternate. Source of tape value is unknown. Lock confirmation reflects 12 Mo. Full Doc. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.37% | 38.43% | Variance < 3% deemed immaterial. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Review doc type is Full/Alternate. Source of Tape Value is unknown. Lock confirmation reflects 12 Mo. Full Doc. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV is XXX%. Lender tape value is reflected on 1008 (pg. 103) but calculation is unknown. Review used balance on credit report plus subject loan divided by appraisal value.  |
| XXXX | XXXX | Total Debt to Income Ratio | 0.43% | 46.36% | Review DTI is 46.36%. Lender DTI is 45.985% per 1008 (pg. 103). Source of tape is unknown. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Income doc type is Full based on income documents in file. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal, subject property is a Detached PUD. Lender 1008 and Appraisal reflect monthly HOA dues. Source of tape value is unknown. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Underwriting doc type is Full Doc. Source of lender's tape value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal subject property is a Detached PUD. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.34% | 35.87% | Non-Material variance less than 3% |
| XXXX | XXXX | Representative Credit Score | 688 | 697 | Review highest mid-score is 697 (borrower's). Lender's value is the co-borrower's mid-score of 688. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Underwriting doc type is Full Doc. Source of tape is unknown. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Underwriting doc type is Full doc based on salaried employee and documentation in file. Source of tape value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal and legal, the subject is a Detached PUD. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX% based on 1st lien loan balance (pg. 146). Source of tape value is reflected on Lender's 1008. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.31% | 38.70% | Review DTI is 38.70% well within guideline range. Lender DTI is less at 31.952% based on 1008 in file (pg. 111) as lender included additional bonus earnings for co-borrower that Review excluded. |
| XXXX | XXXX | Amortized Original Term | 360 | 180 | Subject loan closed as a 15 year Fixed rate loan. Subject tape value is unknown. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Doc type is considered Full doc for two wage earner borrowers. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.43% | 43.33% | Variance due to Tape Value rounding deemed non-material. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Source of Tape Value is unknown. Loan was approved as 12M Full Doc, as per lock and supporting documentation provided in file |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-Material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.34% | 27.39% | Source of tape is unknown. Lender approved DTI per the 1008 27.39% |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of tape is unknown. Full documentation (Pay stubs and W2s provided). |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Subject is a PUD, as per title commitment. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.008% deemed non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.40% | 36.63% | Qualifying DTI double counted tax and insurance; Full PITI plus tax and insurance used in qualifying. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of Tape Value is unknown. Review Value based on 24M income documentation provided in file. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of tape is unknown, lender 1008 reflects LTV/CLTV of 18.09% which matches review. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is based on 1st lien balance as of XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.26% | 25.48% | Tape reflects DTI of 26%, lender 1008 25.57%, Review DTI 25.48%. Non-material variance. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of tape is unknown, income supported by pay stubs and W2s. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance due to rounding deemed immaterial. |
| XXXX | XXXX | Representative Credit Score | 745 | 756 | Tape Value is B2 middle credit score. Review Value is B1 middle credit score. Per guideline, If more than one applicant, the middle highest credit score will be used for final approval. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Source of Tape Value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.34% | 44.35% | Source of tape is unknown, lender approved DTI 44.35% which matches review. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of tape is unknown, loan approved with pay stubs and 2 yrs W2s. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 3% deemed non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.25% | 23.25% | Variance < 3% deemed non-material. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of Tape Value is unknown. 24 Mo Full Doc program, as per lock and the documentation provided in file. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.17% deemed non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.38% | 37.99% | Variance < 3% deemed non-material. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of Tape Value is unknown. Loan locked as 24 Mo Full Doc. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.39% | 39.90% | Variance < 3% |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of Tape Value is unknown. 24 Mo Full Documentation, as per Lock and income documentation in file. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.45% | 43.33% | Variance < 3% deemed non-material. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of Tape Value is unknown. 24 Mo Full Documentation as per Lock and documentation in file. |
| XXXX | XXXX | Original Interest Rate | 0.1113% | 13.8750% | Source of Tape Value is unknown. Review Value captured as stated in the Note. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.34% | 39.14% | Source of Tape Value is unknown. Approved DTI 39.998%, variance < 3% deemed non-material. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of Tape Value is unknown. 24 Mo Full Documentation loan, as per Lock and supporting documentation provided in file. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD per title commitment. Detached per exterior inspection. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance 0.32% deemed non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 1.97% deemed non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.29% | 31.45% | Variance < 3% deemed non-material. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of Tape Value is unknown. Review Value based on YTD Paystub and two years W2s in file. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Source of Tape Value is unknown. Review Value captured from the AVM and is in agreement with the 1008. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal subject property is a Detached PUD. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.46% | 46.62% | Review DTI is 46.53%. Lender tape value is 46%, no material variance. |
| XXXX | XXXX | Representative Credit Score | 764 | 799 | Review value is the mid-score of Borrower1. Per TFSB guidelines, if more than one borrower, use the middle highest score for final approval. Lender tape value is the mid-score of the Borrower2. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Review UW Doc type is Full. Source of lender tape value of 12-mo. bank statement is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender CLTV of XXX% is based on subject loan plus the credit report (pg. 140) outstanding balance of the 1st lien. Review used lower subject loan plus the VOM principal balance which is lower in the CLTV calculation (pg. 137) |
| XXXX | XXXX | Total Debt to Income Ratio | 0.47% | 48.44% | Review DTI 48.44%. Lender value is 47%. Non-material variance. |
| XXXX | XXXX | Representative Credit Score | 697 | 703 | Review value is the mid-score of the primary wage earner. Per TFSB guidelines, if more than one borrower, use the middle highest score for final approval. Lender tape value is the mid-score of the Borrower 1. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Review UW Doc type is Full. Source of lender tape value of 12-mo. bank statement is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.37% | 37.64% | Review DTI is 37.64%. Lender DTI is 37%. Variance is non-material. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | UW Doc type is Full. Borrower is salaried employee. Source of lender tape value of 24-mo. business bank statement is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Tape LTV/CLTV appears to be based on the original stated value at application. Review LTV/CLTV of XXX matches final approval terms. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape LTV/CLTV appears to be based on the original stated value at application. Review LTV/CLTV of XXX matches final approval terms. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.41% | 42.42% | Source of tape is unknown, Approved DTI 42.86%, Review DTI 42.42%, non-material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape appears to reflect the stated value at application, Review value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX% based on subject loan amount and current mortgage balance per VOM (pg. 139). Source of tape is reflected on Lender's 1008. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.32% | 38.04% | Review DTI is 38.04%. Source of tape is unknown. Lender 1008 reflects 38% DTI. |
| XXXX | XXXX | Property Type | Condo | PUD - Attached | Per Appraisal and Mortgage, the subject is a Simi-Detached PUD (end unit). Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.29% | 26.56% | Review DTI is 26.56%. Source of tape value is unknown. Lender 1008 (pg. 13) reflects 38.028%. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Review UW Doc Type is Full. Source of tape value of 12-mo. Bank Statement-Business is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance 0.10% is deemed non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.10% is deemed non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.45% | 44.57% | Variance < 3%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.36% | 30.83% | Review DTI is 30.85%. Lender DTI per 1008 is 34.58%. Source of tape value is unknown. Variance between Lender and Review is lender did not include taxes and insurance in combined housing payment per the 1008. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of lender tape value of XXX% is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.45% | 44.47% | Review DTI is 44.47%. Lender DTI is 45%, no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.33% | 33.66% | Review DTI is 33.28%, no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Recd updated underwriting approval that agrees with review. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Recd updated underwriting approval that agrees with review. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.52% | 29.19% | Recd updated underwriting approval that agrees with review. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown but reflected on Lender 1008. Variance deemed non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.65% | 39.42% | Review DTI is 38.78%. Lender tape value is 37.65%, non-material variance. |
| XXXX | XXXX | Representative Credit Score | 692 | 693 | Review indicator credit score is 693 which is mid-score of primary borrower (B1). Source of Lender's tape value is unknown. B2 mid-score is 698. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.01% | 44.70% | Review DTI is 44.72%. Lender DTI per 1008 (pg. 1) is 44.702%. Source of tape is unknown. Lender approval (pg. 2) reflects 43.941%. No material variances noted. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of Tape Value is unknown. Approved LTV XXX%, variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of Tape Value is unknown. Approved LTV XXX%, variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.80% | 42.24% | Review DTI is 42.24%. Source of tape is unknown. Lender 1008 and approval reflect 42.677%, variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review Appraised value is $268,000. Tape value of $250K is reflected on initial LE but the source is unknown. Lender approvals(p. 1/3) both reflect Appraisal value of $268,000. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Lender's LTV on 1008 reflects XXX%, thus variance appears to be a rounding issue. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.42% | 41.37% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of the tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.44% | 44.77% | Review DTI is 44.77%. Lender DTI is 44%, no material variance. |
| XXXX | XXXX | Representative Credit Score | 713 | 740 | Review indicator credit score is that of B1 who is the primary wage earner at 740. Lender tape value is the mid-score of B2. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the 1008 (pXXX), the LTV is XXX%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the 1008 (p21), the CLTV is XXX%. Unable to determine the source of the tape value. Review value is based on subject loan amount plus balance from the mortgage statement p86 $XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.40% | 37.90% | Non material variance, which is due to PITIA on the subject. Lender used $2198, which is PITIA from the 1st mortgage statement and includes taxes and insurance as escrowed, however escrow payment on that loan is higher than calculated charges. Monthly taxes and insurance as documented totals $494.93 (p222, p165). Escrow on the mortgage statement is $622.16. |
| XXXX | XXXX | Appraised Value | XXX | XXX | No appraisal was used on this transaction, estimated value per the 1008 (p21) is $515,000 which is supported by the AVM (p177). It appears the original estimated value was $560,000 but this was updated after the AVM was received. Tape value appears to reflect the unsupported estimate. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review Loan to value is based on the most recent balance on the first mortgage, $XXX per credit supplement (p28) and $XXX subject loan amount against $XXX value. Mortgage statement p is dated previous to the credit supplement and results in LTV of XXX%. Unable to determine the source of the tape value, however variance of 0.13% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.39% | 36.85% | Per 1008 the DTI is 36.843%, unable to determine the source of the tape value. No material variance to the approved DTI. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.39% | 39.80% | Review DTI is 39.80%. Lender DTI is 39%, thus non-material variance. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Source of Tape Value is unknown. Review Value captured as stated in the Note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of Tape Value is unknown. Approved LTV XXX%, variance due to rounding is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of Tape Value is unknown. Approved CLTV XXX%, variance due to rounding is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.40% | 44.75% | Source of Tape Value is unknown. Approved DTI 44.974%, variance 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Source of Tape Value is unknown. Review Value captured from the appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of Lender's tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.41% | 42.64% | Review DTI is 42.36%. Lender DTI is 41%. No material variance noted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of Tape Value is unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.45% | 43.13% | Tape Value is rounded. Approved DTI 44.722%, variance < 3% deemed non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of Lender's tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.02% | 9.20% | Review DTI is 9.20%. Source of tape value is unknown. Lender 1008 reflects 10.212%, thus non-material variance. Lender subject PITIA is lower than Review and additional REO property owned PITIA reflected on 1008 by Lender does not match to the VOM in file, creating Review and Lender DTI variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.34% | 35.10% | Review DTI is 35.10. Lender DTI appears to match to approval; however, the Lender 1008 reflects 36.149%. This is considered a non-material variance. |
| XXXX | XXXX | Representative Credit Score | 726 | 753 | Review value is the mid-score of the primary wage earner, who is B2. Per LRP guidelines, the primary wage earner representative score is used to qualify. Lender tape value is the mid-score of the B1. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 3% |
| XXXX | XXXX | Total Debt to Income Ratio | 0.42% | 42.90% | Variance < 3% |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.28% | 29.35% | Variance < 3% |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | 12 Mo Full Doc |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.45% | 44.39% | Review DTI is 45.05%. Lender tape value is 45%, thus non-material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.43% | 42.25% | Review DTI is 42.25%. Tape value is 43%, thus no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of Tape Value is unknown. Approved LTV XXX%, no variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of Tape Value is unknown. Approved CLTV XXX%, variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.43% | 41.07% | Review DTI is 42.19%. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Source of Tape Value is unknown but reflected on Conditional Underwriting approval in file. Review Value of $336K captured from Appraisal. Lender 1008 reflects this same value as well. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance is due to investor using the lessor BPO value of XXX for LTV/CLTV purposes. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is due to investor using the lessor BPO value of XXX for LTV/CLTV purposes. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape reflects the stated value by the borrower at the time of application. AVM value $538,000. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of Lender's tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.39% | 37.22% | Review DTI is 37.22%, Source of tape value is unknown. Lender 1008 reflects 37.663%, thus no material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal, subject property is a Detached PUD. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflectsXXX%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.40% | 39.29% | Review DTI is 39.29%. Tape value is unknown but no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal, the value is $750K. Source of tape is unknown; however, the borrower listed the value on their initial application as $570K. <br>|
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal, property is a Detached PUD. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.45% | 43.52% | Review DTI is 43.52%, Source of tape is unknown. Lender 1008 and Approval reflects 43.562% |
| XXXX | XXXX | Total Debt to Income Ratio | 0.44% | 42.60% | Review DTI 42.60%. Tape is 44%. No material variance. Lender used a greater 1st Lien P&I than verified in qualifying. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender value is $XXX% reflected on 1008. Appears Lender used greater 1st lien balance to calculate. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.37% | 37.37% | Review DTI is 37.37%. Lender tape value is 37%, thus no material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as Detached Pud per appraisal and title. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX% based on Appraisal value of $XXX. Lender LTV of XXX% appears to be calculated off lower lender disclosed $XXX appraised value which source is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender disclosed of XXX% is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.39% | 42.05% | Review DTI is 42.35%. Source of tape is unknown. Lender 1008 reflects 42.379%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal reflects value of $598,000. Lender 1008 reflects same. Approval reflects $595K and the source of this is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.28% | 28.33% | Review DTI is 28.33%. Tape is 28%, thus no material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Subject confirmed to be Detached Pud per appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.24% | 44.44% | Review DTI is 44.44%. Source of tape value is unknown. Lender 1008 reflects 44.467%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per Appraisal value is $635K. Lender 1008 reflects same. Source of tape value is unknown but is reflected on Lender conditional approval (pg. 3). |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property Type is PUD Detached per Appraisal and Mortgage. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.32% | 40.38% | Review DTI is 40.38%. Source of tape is unknown. Lender 1008 reflects 40.599%, thus non-material variance between Review and Lender 1008 DTI. |
| XXXX | XXXX | Representative Credit Score | 685 | 736 | Review indicator credit score is that of B1 who is the primary wage earner. Tape reflects the indicator score for B2. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per Appraisal the value is $430,000. Source of tape is unknown. Lender approval and 1008 reflects $430K as appraisal value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%, Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.44% | 43.34% | Review DTI is 43.34%. Tape value is 44% is unknown. Lender 1008 reflects 43.992%, thus no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV/CLTV variance is due to investor using reduced value of $XXX from BPO for LTV/CLTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | LTV/CLTV variance is due to investor using reduced value of $XXX from BPO for LTV/CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.84% | 40.08% | Review DTI is 40.08%. Tape value is 39.84%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.00% | 44.70% | Review DTI is 44.70%. Source of tape value is unknown. Lender 1008 reflects 43.231%, thus non-material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Source of Tape Value is unknown. Review Value captured as per appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape value is unknown. Appears lender may have used a lesser Appraisal value to calculate LTV based on tape value provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown. Appears lender may have used a lesser Appraisal value to calculate CLTV based on tape value provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.90% | 44.14% | Non-material variance. |
| XXXX | XXXX | U/W Doc Type | Full | Asset Utilization | Tape reflects full doc, Asset utilization used as income source, thus review considered most consultative approach. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal in file reflects value as $2MM. Source of tape value is unknown. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Note is for $XXX. Unknown source of tape. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.00% | 40.16% | Review DTI is 40.16%. Source of tape value of 41% is unknown. No material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value per AVM in file (Missing Appraisal) is $426,000. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX% Source of lender tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.15% | 41.38% | Review DTI is 42.75%. Tape value is 44.15%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is unknown; however, non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.65% | 39.97% | Review DTI is 39.97%. Tape value of 37.65 does not include Borrower disclosed XXX loan. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX% Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.51% | 40.55% | Review DTI is 40.55%. Lender DTI is 34.51%. B2 1120S 2022 and 2021 returns reflect a loss of $XXX that was considered in DTI by Review. Lender income worksheet(p. 300) reflects same; however, it appears the number was considered as a positive figure and added into income rather than deducted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%%. Source of tape value of XXX% is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.99% | 43.88% | Review DTI is 43.88%. Source of tape value is unknown. Lender 1008 reflects 43.799%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of the tape is unknown but there is no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.76% | 43.98% | Tape reflects the initial submitted DTI of 40.76%, Updated 1008 reflects final DTI of 43.98% which matches review. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX. Source of tape is unknown. Lender 1008 matches to Review. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX% Source of tape is unknown. Lender 1008 reflects XXX% which matches to Review when rounded. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.26% | 36.50% | Review DTI is 36.50%. Source of tape is unknown. Lender 1008 reflects 36.401%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per Appraisal, the value is $584K. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 15.49% | 39.11% | Review DTI 39.11% based on VA grossed up benefit. Source of tape value is unknown. Lender 1008 reflects DTI of 43.89% which includes property taxes. Borrower is Disabled Vet and exempt from paying property taxes. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.22% | 41.57% | Variance is less than 1% and considered non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is unknown but no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.98% | 44.52% | Review DTI is 44.52%. Lender DTI is 44.98%, thus no material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property Type verified as a PUD per Appraisal and title. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 44.99% | Review DTI is 44.99%. Lender DTI is 45%, non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.61% | 43.80% | Variance < 3% |
| XXXX | XXXX | Total Debt to Income Ratio | 42.86% | 43.12% | Review DTI is 43.12%. Lender tape DTI source is unknown. Lender 1008 (p. 10) reflects DTI of 43.122%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 40.44% | 43.41% | Unable to validate the tape value. Lender updated 1008 reflects approved DTI of 43.41% which matches review. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as PUD per appraisal and title. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of tape is unknown, Lender LTV/CLTV per 1008 XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of tape is unknown, Lender LTV/CLTV per 1008 XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.21% | 17.50% | Source of tape is unknown, lender approved DTI per 1008 17.50%. Review DTI 17.50%, no variance. |
| XXXX | XXXX | Representative Credit Score | 704 | 738 | Tape reflects the lower mid fico of the two borrowers. Review reflects mid fico of the primary wage earner. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value of $432,000 verified per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.00% | 44.58% | Review DTI is 44.58%. Source of tape value is unknown. Lender 1008 (p. 19) reflects DTI of 44.718%, thus no material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property Type verified as PUD per title and appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX% for LTV, thus no difference. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.15% | 23.75% | Review DTI is 23.75%. Tape value is unknown. Lender 1008 reflects 23.753, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape reflects the initial stated value per borrower at application. Actual value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. No material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.53% | 37.63% | Review DTI is 37.63%. Tape value is unknown. Lender 1008 reflects 37.633% which results in no material variance. <br>|
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape is XXX% thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.51% | 43.24% | Review DTI is 43.68%. Tape value is 43.51. No material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.06% | 42.14% | The 1008 reflects DTI 42.145%, no material variance to this figure. The approval with the incorrect loan terms reflects DTI 40.574%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 40.21% | 43.74% | The 1008 (p1) and approval (p3) reflect the DTI as 43.738%, unable to determine the source of the tape value. Non material variance to the approved DTI. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income Documentation < 24 Months. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is less than 1% and considered non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.19% | 44.24% | Variance is less than 1% and considered non-material. |
| XXXX | XXXX | Representative Credit Score | 693 | 702 | Primary wage earner mid fico 702. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | The 1008 (p1) and UW approval (p3) reflects LTV as XXX%, unable to determine the source of the tape value |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 20.18% | 41.35% | The 1008 (p1) and Approval (p3) reflect DTI as 41.353%, unable to determine the source of the tape value. no variance to approved DTI. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape value reflects the original value stated by borrower at application. Review value per AVM. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance due to rounding deemed non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.18% | 26.33% | Source of Tape Value is unknown. Approved DTI 26.042%, variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.47% | 37.75% | Source of tape is unknown, approved DTI 38.06%, Review DTI 37.75%, variance is non-material. |
| XXXX | XXXX | Representative Credit Score | 725 | 728 | Primary wage earner mid FICO 728. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.60% | 30.15% | Source of tape value is unknown. Approved DTI 31.210%, variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 697 | 705 | Source of Tape Value is unknown. Review Value is B1 middle credit score, which is the primary wage earner. B2 middle credit score is 691. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 41.93% | 41.80% | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 33.19% | 34.67% | The UW approval and 1008 reflect DTI as 34.723. Unable to determine the source of the tape value. Non material variance to the approved DTI. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review LTV/CLTV is based on value of . |
| XXXX | XXXX | Total Debt to Income Ratio | 29.28% | 28.79% | Variance is less than 1% and considered non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Review Value captured as stated in the appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 17.25% | 19.93% | Variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review Value captured from the appraisal. Source of Tape Value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per the Appraisal, the property is a PUD - Detached. The approval also reflects the property as PUD. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the Approval documents (p1, 3) the LTV is XXX%. Non-material variance to this figure. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the Approval documents the CLTV is $365k. Non-material variance to this figure. Unable to determine the source of the tape value. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.65% | 44.90% | Per the Approval documents the DTI is 44.901. Non-material variance to this figure. Unable to determine the source of the tape value. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per the appraisal.<br>|
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.57% | 21.39% | Variance is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.53% | 43.63% | Variance is non-material (max 45%). |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape Value is the estimated value from application. Review Value is the appraisal value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.55% | 37.18% | Per the approval documents the DTI is 37.458%. Unable to determine the source of the tape value. Non material variance from the approved DTI. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.31% | 39.96% | Source of Tape Value is unknown. Approved DTI 39.147%, variance < 3% (45% Max Allowed). |
| XXXX | XXXX | Total Debt to Income Ratio | 7.00% | 23.79% | The 1008 reflects DTI 23.824%, unable to determine the source of the tape value. No material variance to approved DTI. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | The approval documents reflect LTV XXX%. Unable to determine the source of the tape value. No material variance to approved LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | The approval documents reflect CLTV XXX. Unable to determine the source of the tape value. No material variance to approved CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.23% | 38.56% | The approval documents reflect DTI 40.280%. Unable to determine the source of the tape value. Non-material variance from approved DTI, variance due to escrow payment on 1st mortgage. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per the appraisal. Tape appears to reflect the stated value give by the borrower at application. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the approval documents, the LTV is XXX%. Unable to determine the source of the tape value. No material variance from approval LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the approval documents, the CLTV is XXX. Unable to determine the source of the tape value. No material variance from approval CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.70% | 44.59% | Per the approval documents, the DTI is 44.27%. Unable to determine the source of the tape value. Non material variance to the approved DTI. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is. Source of tape is based on higher 1st lien balance then verified in file. Lender 1008 reflects $XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.93% | 43.36% | Review DTI is 43.36%. Source of tape value is unknown. Lender approval and 1008 DTI is 42.363. No material variance. |
| XXXX | XXXX | Representative Credit Score | 685 | 737 | B1 mid score is 737. B2 mid score is 685. LRC guidelines state that primary wage earner representative score is used to qualify. B1 is primary wage earner. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 39.28% | 42.05% | Per the 1008 the approved DTI was 44.464%, Unable to determine the source of the tape value. No material variance to approved DTI. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.62% | 43.86% | Non-material variance |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the approval documents the CLTV is XXX. The tape value appears to be correct due to valuation from initial purchase. Non material variance from the actual CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.55% | 27.65% | Non material variance |
| XXXX | XXXX | Appraised Value | XXX | XXX | Actual value verified per the appraisal. The tape value reflects the value used, based on the purchase of the property less than 12 months ago. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-Material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.24% | 37.95% | Source of tape is unknown. Approved DTI per 1008 38.78%. Review DTI 37.95%. Variance is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance is due to rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.43% | 25.29% | Variance is less than 1% and considered non-material. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of tape is unknown, loan is full doc. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as a PUD per title and appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-Material variance less than 1%. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.43% | 43.17% | Review variance is less than 3% and considered non-material. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income Documentation < 24 Months. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX. Source of tape value is unknown. No material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.38% | 43.96% | Review DTI is 43.96%. Source of tape is on Lender 1008. Lender used greater B1 income then Review. No material variance. |
| XXXX | XXXX | Representative Credit Score | 681 | 700 | Review indicator credit score of 700 is that of B1 whose is primary wage earner. Tape reflects indicator score of B2. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape value is unknown. Lender 1008 reflects XXX%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown. Lender 1008 reflects XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 22.09% | 44.44% | Review DTI is 44.45%. Tape value is unknown. Lender 1008 DTI is 44.861%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per AVM. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | The loan was closed with the property type as a single family detached, however the legal description defines the property as being in a PUD (p285, 297) |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 26.49% | 24.94% | DTI per the 1008 was 24.643%. Unable to determine the source of of the tape value. No material variance to the approved DTI |
| XXXX | XXXX | Total Debt to Income Ratio | 36.29% | 36.41% | Review variance is less than 1% and considered non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal and Mortgage the property type is Detached Planned Unit Development. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is on Lender 1008 but no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.09% | 35.97% | Review DTI is 35.97%. Source of tape is unknown. Lender 1008 reflects 35.972%, thus no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Lender 1008 reflects XXX%, thus no material variance to tape as this is due to rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.06% | 37.63% | Review DTI is 37.63%. Source of tape value is unknown. Lender 1008 reflects 37.261%, thus no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%. No material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.76% | 44.75% | Review DTI is 44.75%. Lender 1008 reflects 43.726%. Source of tape is unknown. No material variance. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income Documentation < 24 Months |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Subject is a Detached PUD per Appraisal and title. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV isXXX. Source of tape is unknown. Lender 1008 reflects XXX, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.73% | 39.58% | Review DTI is 39.58%. Source of tape value is unknown. Lender 1008 reflects 41.43%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.14% | 44.13% | Non-material variance |
| XXXX | XXXX | Representative Credit Score | 706 | 711 | Review fico is the mid fico of the primary wage earner. Tape value reflects the lower of the mid scores for both borrowers. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value of XXX% does not result in a material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.73% | 29.84% | Review DTI is 29.84%. Source of tape value is unknown. Lender 1008 reflects 29.836%, no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 16.41% | 30.77% | Recd updated approval with DTI 30.96%, variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 703 | 755 | Representative Credit Score is the mid score for the primary wage earner. Tape value reflects the lower of the mid scores for both borrowers. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.14% | 39.68% | Non-Material variance < 3%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.15% | 27.11% | Variance < 3% |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape Value is the estimated value at application. Review Value is the actual AVM value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 42.29% | 42.66% | Non-material variance |
| XXXX | XXXX | Original Interest Rate | 10.6250% | 10.8750% | Note reflects interest rate of 10.875%. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 47.95% | Review DTI is 47.95%. Source of tape is unknown. Lender 1008 reflects 49.85%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal in file confirms a value. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the approval the LTV is XXX%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the approval the CLTV is XXX%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.61% | 32.83% | Review calculated DTI 32.83% exceeds 3% from the approved DTI but is still less than the max allowed of 45%. |
| XXXX | XXXX | Representative Credit Score | 730 | 743 | Tape value reflects the representative credit score for borrower 1. Borrower 2 is the primary wage earner and has a score of 743. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Tape value appears to be the initial stated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.75% | 39.61% | Non-material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape is XXX%. No material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.76% | 44.19% | Review DTI is 44.19%. Tape value is unknown. Lender DTI on 1008 is 38.591%. Variance is due to income documentation not supporting income used to qualify. |
| XXXX | XXXX | Total Debt to Income Ratio | 22.46% | 38.01% | Review DTI is 38.01%. Tape value is reflected on Lender 1008. Variance is due to Lender omitting the subject property 1st Lien P&I. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value of XXX% (rounded from Lender 1008) results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.65% | 41.47% | Review DTI is 41.47%. Lender DTI of 39.65% results in no material variance. |
| XXXX | XXXX | Representative Credit Score | 724 | 731 | B1 representative score is 731. B2 representative score is 724. Guidelines require the primary wage earner's representative score be used which is B1's score. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape value on 1008 of XXX% does not reflect a material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.07% | 29.21% | Review DTI is 29.21%. Lender DTI is 29.07% which results in no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 CLTV matches tape at XXX% and results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 44.61% | Variance < 3% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape value/1008 value is XXX% and results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.48% | 41.87% | Variance is less than 2% and deemed non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal and Mortgage DOT, subject is a Detached PUD. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per Note, loan amount is $XXX. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Tape value is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV s XXX%. Tape value is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.18% | 46.60% | Review DTI is 40.20%. Source of Tape value is unknown. Lender 1008 reflects 40.20% DTI which matches to Review. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.85% | 43.52% | Variance < 3% (Max 45%) |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 and tape value is XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.75% | 37.99% | Review DTI is 37.99%. Source of tape is unknown. Lender 1008 reflects DTI of 37.993%, thus no material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as a PUD per title. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of tape is unknown, approved LTV/CLTV per 1008 is XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of tape is unknown, approved LTV/CLTV per 1008 is XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.96% | 44.40% | Review DTI is 44.40%. Tape value of 44.96% is unknown. Lender 1008 value is 43.66% which results in no material variance with Review. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape reflects the borrower disclosed value at application. Actual value verified per AVM. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.90% | 43.19% | Review DTI is 43.73%. Tape value is 40.90. Variance is less than 3% and considered non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value of XXX% results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.21% | 43.21% | Review DTI is 43.21%. Source of tape is unknown. Lender 1008 reflects 43.217%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape value and 1008 stated CLTV is XXX%. No material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.04% | 44.05% | Review DTI is 44.05%. Tape DTI is 44.04%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender's tape/1008 value is XXX%. No material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.18% | 35.16% | Review DTI is 35.16%. Tape value is unknown. Lender 1008 DTI is 36.658%, thus no material variance. |
| XXXX | XXXX | Representative Credit Score | 768 | 796 | Indicator credit score is that of the primary wage earner per guidelines which is B2. Lender tape value is B1. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property Type verified as Detached PUD per the appraisal. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Loan amount verified per the Note. |
| XXXX | XXXX | Original Interest Rate | 13.1250% | 11.8750% | Rate verified per the Note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX. Source of tape value is unknown as Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown as Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.43% | 37.24% | Review DTI is 37.24%. Source of tape value is unknown. Lender 1008 DTI is 36.873%, thus no material variance noted. |
| XXXX | XXXX | Representative Credit Score | 721 | 729 | Review indicator credit score is that of B1 the primary wage earner which guidelines require. Lender indicator score is that of B2s. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per the appraisal. Source of tape value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per the appraisal and Mortgage. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX% LTV, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.94% | 40.09% | Source of tape value is unknown. Lender 1008 reflects 40.061%. Variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per the Appraisal. Tape reflects the stated value at application. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Tape value is XXX%, no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.84% | 44.82% | Review DTI is 44.82%. Source of tape is unknown. Lender 1008 reflects 44.817%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review Appraisal value is $1,137,000. Source of tape value of $1.2MM is reflected on initial LE. All loan calculations based on Review value. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.56% | 32.68% | Review DTI is 32.68%. Lender tape value of 32.56% results in no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX. Source of tape value is unknown. Lender 1008 reflects XXX%, thus no material variance noted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | 1Review LTV is XXX%. Source of tape value is unknown. Lender 1008 reflects XXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.52% | 39.53% | Review DTI is 39.53%. Tape value is 39.52%. No material variance. 1008 and approval reflect 39.528%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape value is XXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.17% | 43.31% | Review DTI is 43.31%. Source of tape is unknown. Lender 1008 DTI is 43.310%, no material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property Type per Appraisal and Mortgage is PUD Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.48% | 19.20% | Review DTI is 18.79%. Source of tape is unknown. Lender 1008 reflects a DTI of 21.07%; however, Lender 1008 counted taxes/insurance on both subject and primary residences twice. Primary payments include escrows and Lender added taxes and insurance again. No material variance noted. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance noted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.51% | 42.40% | Review DTI is 42.40%. Tape value is unknown. Lender 1008 DTI is 32.915%. Variance is due to Lender omitting the subject property 1st lien payment in qualifying per the 1008. 1st lien Note P&I is $1021.55. Adding this to the Lender's qualifying results in a total DTI of 42.40% which is no material variance from Reviews. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV/CLTV is based on PC AVM value of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review LTV/CLTV is based on PC AVM value of $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 40.13% | 42.38% | Review DTI is 42.38%. Source of tape is unknown. Lender 1008 reflects 44.839% DTI. No material variance. |
| XXXX | XXXX | Representative Credit Score | 750 | 773 | Indicator credit score is 773 which is B1 who is the primary wage earner. Tape reflects the indicator score of B2. Guidelines use the score of the primary wage earner. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.77% | 41.74% | Review DTI is 41.74%, Tape value of 41.77% is unknown. Lender 1008 reflects 41.742%, thus no material variance noted. |
| XXXX | XXXX | Representative Credit Score | 738 | 754 | Indicator credit score is that of B1 the primary wage earner. Tape value is B2's. Guidelines require the primary wage earner's score be used. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance noted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | The 1008 reflects CLTV as XXX%. Unable to determine the source of the tape value. No material variance to approved CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.60% | 38.37% | Review DTI is 38.37%, Lender 1008 DTI is 38.382%, thus no material varirance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Tape value appears to the initial estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 reflects XXX% which rounds to the tape value. No material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.00% | 44.87% | Review DTI is 44.87%. Source of tape is unknown. Lender 1008 DTI is 44.74%, thus no material variance noted except the DTI exceeds guidelines max of 45%. See DTI exception for further detail. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.79% | 44.43% | Review DTI is 44.43%. Source of tape is unknown. Lender 1008 reflects DTI of 44.431%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Tape value appears to reflect the original estimated value at application. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.61% | 40.79% | Review DTI is 40.79%. Source of tape is unknown. Lender DTI per 1008 is 41.147%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value is $515,000 per Appraisal. Source of tape appears to be related to estimated value on initial Loan Estimate. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX. No material variance noted. Tape is XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%, no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.89% | 39.87% | Review DTI is 39.87%. Tape value is unknown. Lender 1008 reflects 40.261%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.41% | 41.89% | Review DTI is 41.89%. Source of tape is unknown. Lender 1008 reflects 41.887, thus no material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified per title and appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 22.98% | 24.38% | Review DTI is 24.38%. Source of tape is unknown. Lender 1008 DTI is 24.377%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.25% | 38.58% | Review DTI is 38.58%. Source of tape is unknown. Lender 1008 reflects 39.275%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender CLTV is XXX% per 1008 (tape is rounded), thus no material variance note. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.32% | 41.00% | Review DTI is 41.0%. Tape value of 43.32% or per 1008 43.306% is result of Lender using a greater P&I for the 1st lien ($96.64 greater). No material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape and 1008 (rounding) is XXX%, no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.89% | 24.90% | Review DTI is 24.90%. Lender 1008 and tape value reflects no material variance. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Review Doc Type is Full Doc. Source of tape value of 24-mo. Bank Statements is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.70% | 24.68% | Review DTI is 24.70%. Lender tape value is unknown. Lender 1008 reflects 25.925%. No material variance. Reason for discrepancy is Lender reflects a higher HOI monthly payment then Policy confirmed ($178.65, source of this is unknown). |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Review Doc type is Full Doc. Source of tape is unknown. File contains VOE, paystubs, W2s and transcripts. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.94% | 29.51% | Review DTI is 29.51%. Source of tape is unknown. Lender 1008 reflects 30.181%, thus no material variance. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Review Doc Type is Full. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Source of tape appears to be Estimated value reflected on initial LE. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX. Source of tape is unknown, appears to be rounding issue. Lender 1008 reflects XXX. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Appears to be rounding issue. Lender 1008 reflects XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.13% | 37.38% | Review DTI is 37.38%. Source of tape is unknown. Lender 1008 reflects 36.409%, thus no material variance. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Review Doc Type is Full Doc. Source of tape is unknown. Borrower are retired. Only bank statements in file (2 months) confirm direct deposits and assets held. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX% thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.75% | 44.04% | Review DTI is 44.04%. Source of tape is unknown. Lender 1008 reflects 44.037%, thus no material variance. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Review Underwriter Doc Type is Full. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per Appraisal, value is $635,000. Source of tape was reflected on initial LE as estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape value is 69.88 and 1008 value is XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.74% | 44.82% | Review DTI is 44.82%. Source of tape is unknown. Lender 1008 reflects 44.817%, thus no material variance. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Review Doc Type is Full. Source of tape value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD, as per PCR, title commitment, and PUD rider. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Tape Value calculated using the estimated value at time of application. Review Value was calculated using the origination AVM value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape Value calculated using the estimated value at time of application. Review Value was calculated using the origination AVM value. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.11% | 32.49% | Variance < 3% |
| XXXX | XXXX | Representative Credit Score | 741 | 777 | Tape Value is B2 middle credit score. Review Value is the primary borrowers middle credit score. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of Tape Value is unknown. Borrower was qualified using wage income with two full years documented. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape Value is the estimated value at time of application. Review Value is the origination AVM value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 30.16% | 33.20% | Approved DTI per the approval p3 and 1008 p1 is 34.148%, unable to determine the source of the tape value. No material variance to approved DTI, variance due to B1's income. |
| XXXX | XXXX | Representative Credit Score | 762 | 777 | The tape value is the mid score for borrower 1. Review value is the mid score for borrower 2, who is the primary wage earner. Per guidelines the primary wage earner's score is the representative credit score for the transaction. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Per the approval and the documents in the loan file, the UW doc type is Full. Unable to determine the source of the tape value. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per the appraisal and Pud rider. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the approval and 1008, the approved LTV is XXX%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the approval and 1008, the approved CLTV is 66.119%. Unable to determine the source of the tape value. Non material variance is due to the lower balance on the mortgage statement versus the credit report. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.56% | 43.18% | Unable to determine the source of the tape value. Review DTI 44.56%, Per the approval and 1008, the approved DTI is 43.176%. Variance is less than 3% and considered non-material. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Per the approval and documents in the file, the loan is a full doc loan. Unable to determine the source of the tape value. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per the appraisal. Tape value appears to be the initial estimated value. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.52% | 37.39% | Review DTI is 37.39%. Source of tape is unknown. Lender 1008 reflects 37.385%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.37% | 34.95% | Review DTI is 34.95%. Source of tape is unknown. Lender 1008 reflects 34.964%, thus no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Lender 1008 and tape value results in no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.00% | 41.94% | Review DTI is 41.94%. Source of tape is unknown. Lender 1008 reflects a DTI of 42.625%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.75% | 31.38% | Review DTI is 31.38%. Source of tape is unknown. Lender 1008 reflects 31.408%, thus no material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage and Appraisal is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX% LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.42% | 30.79% | Review DTI is 30.79%. Source of tape is unknown. Lender 1008 reflects 30.742%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.76% | 42.05% | Non material variance due to slight income calculation variance. |
| XXXX | XXXX | Representative Credit Score | 719 | 732 | Tape value is the mid-credit score for borrower 2. Review value is the mid-credit score for borrower 1, the primary wage earner. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of Lender tape value is unknown. Lender 1008 reflects XXX%. Variance reason is unknown but appears Lender used a greater 1st lien balance in the calculation. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.59% | 29.86% | Review DTI is 29.67%. Lender 1008 reflects 29.354%. Tape is unknown. No material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage and Appraisal is PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape and 1008 value is XXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.56% | 31.05% | Review DTI is 31.05% which matches to the Lender 1008. Source of tape value is unknown. |
| XXXX | XXXX | Representative Credit Score | 706 | 704 | Review indicator credit score is 704 which is B2 (primary wage earner). Source of tape value of 706 is unknown. B1 indicator score is 707. Guidelines require use of primary wage earners score. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Appraisal is PUD - Detached. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.16% | 27.24% | Review DTI is 27.24%. Source of tape is unknown. Lender 1008 reflects DTI of 27.243, thus no material variance. |
| XXXX | XXXX | Representative Credit Score | 790 | 779 | Indicator credit score is 770. Source of tape is unknown. Other two scores are 755 and 788. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape and 1008 value is XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.73% | 27.20% | Review DTI is 27.20%. Tape and Lender 1008 DTI reflects 37.73%. Discrepancy is result of Lender counting property taxes and property HOI insurance twice. Monthly P&I payment on 1008 and final 1003 is PITIA of the 1st lien which includes taxes and insurance (p. 176). P&I only is $1727.10. Reducing the 1008/1003 payment by the monthly taxes/insurance results in a DTI of 27.20%. |
| XXXX | XXXX | Representative Credit Score | 764 | 769 | Review Indicator credit score is 769 which is B1's score who is the primary wage earner. Lender's tape value is that of B2. Guidelines state the indicator credit score is that of the primary wage earner. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.42% | 32.22% | Review DTI is 32.22%. Source of tape is unknown. Lender 1008 reflects 31.718%, thus no material variance noted. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Lender 1008 value is XXX% (tape value of XXX% rounds this number). No material variance noted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 value is XXX% (tape value of XXX% rounds this number). Variance is due to Lender using a lower appraisal value of $XXX vs. XXX as reflected on appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.33% | 44.71% | Variance < 3% |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal value is $780K per appraisal in file. Source of Lender's tape value is unknown but is same number reflected on 1008. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.42% | 33.69% | 1008 DTI is 33.843% (p19). Unable to determine the source of the tape value. No material variance from the approved DTI. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Source of Tape Value is unknown. Review Value captured as stated in the Note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Tape Value calculated using the estimated value at application. Review Value calculated using the appraised value. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape Value calculated using the estimated value at application. Review Value calculated using the appraised value. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.98% | 44.99% | Review DTI is 44.99%. Lender's DTI is 44.98%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%, Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.76% | 38.07% | Review DTI is 38.07%. Source of tape is unknown. Lender 1008 reflects 37.908%, thus no material variance noted. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified per title as a PUD. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 29.07% | 30.72% | Recd updated 1008/UW Decision with DTI 33.47%, variance < 3%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the approval, the LTV is XXX%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the approval, the LTV is XXX%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.18% | 44.53% | Per the approval, the DTI is 44.53%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per AVM. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX. Lender 1008 reflect XXX%, thus no material variance. Source of tape is unknown |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 reflects XXX%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.96% | 36.04% | Review DTI is 36.04%. Lender 1008 DTI matches at 36.043%. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal value per AVM in file is $1,125,000 which matches to Lender value on 1008. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property Type per Mortgage and Appraisal is PUD - Detached. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per Note. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Lender 1008 reflects 26.047%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 value is XXX%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.43% | 25.63% | Review DTI is 25.63%. Lender 1008 reflects 26.055%, thus no material variance. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 and tape value is XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.96% | 44.94% | Review DTI is 44.94%. Lender 1008 reflects 44.936%, thus no material variance. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal, subject property is a Detached PUD. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%, Lender 1008 and tape value is XXX% thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.96% | 42.79% | Review DTI is 42.79%. Lender 1008 reflects 72.788%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Review Value captured per Appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Lender 1008 reflects XXX%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 is XXX, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.84% | 49.70% | Review DTI is 50.47%. Lender 1008 reflects 41.907%. Source of tape is unknown. See DTI exception for further detail. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal value is $535K. Source of the tape is reflected as the estimated value on the initial LE. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage and Appraisal is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Lender 1008 reflects same LTV, thus no variance. noted. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 reflects XXX%, thus no material variance noted. Source of tape value of XXX% is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.38% | 40.58% | Review DTI is 40.58%. Lender 1008 reflects 40.119%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal reflects value as $665K. Tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance. Tape LTV appears to be based on stated 1st mortgage balance rather than verified mortgage balance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.79% | 41.40% | Variance is due to housing calculation. Lender used 1st PITI which includes $1,460.71 escrow for taxes and insurance. Validated taxes and insurance in the file total $1,183.97.<br>|
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property Type per Appraisal is PUD - Detached. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.92% | 34.16% | Per the 1008, the approved DTI is 34.40%. Unable to determine the source of the tape value. Variance is non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage and Appraisal is PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. 1008 and tape value of XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.56% | 44.02% | Review DTI is 44.02%. Source of tape is unknown. Lender 1008 reflects 42.329%, thus no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%.Lender 1008 reflects XXX%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV isXXX%. Lender 1008 reflects XXX%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.46% | 34.69% | Review DTI is 35.69%. Lender 1008 reflects 34.693%, thus no material variance. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal value is $475K. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.50% | 44.62% | Review DTI is 44.62%. Lender 1008 is 43.846%, thus no material variance. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage and Appraisal is PUD - Detached. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.57% | 38.54% | Review DTI is 37.29%. Lender 1008 reflects 41.822%. Variance is due to Lender including the 2nd lien P&I that was paid off in the total proposed PITIA. Source of tape value is unknown. If Lender omitted the previous second lien, the Lender DTI would calculate to 39.35%, thus no material variance. |
| XXXX | XXXX | Representative Credit Score | 716 | 729 | Review indicator credit score is that of B2's who is the primary wage earner. Lender tape value is B1 indicator score. Guidelines state use the primary wage earner's score as the indicator score. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV isXXX%. Lender 1008 CLTV of 80.016% and tape value of XXX% results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.99% | 41.95% | Review DTI is 41.95%. Lender's 1008 value is 42.130%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.67% | 38.80% | Per the 1008 and approval, the DTI is 37.279%. Unable to determine the source of the tape value. Non material variance to approved DTI. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Tape and 1008 value of XXX is based on higher Appraisal value of $XXX reflected vs. actual of $XXX per AVM in file. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape and 1008 value of XXX% is based on higher Appraisal value of $XXX reflected vs. actual of $XXX per AVM in file. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.00% | 39.50% | Review DTI is 39.50%. Lenders tape value of 41% and 1008 value of 39.74% results in no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal value is $663,105 based on AVM in file. 1008 reflects an appraisal value of $700K. Appears this is estimated value on as reflected on Loan Estimate in file. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 and tape value of XXX% results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.33% | 40.81% | Review DTI is 39.61. Source of tape value is unknown but no material variance. Lender 1008 reflects 44.015% DTI. Lender included a higher Homeowners insurance monthly premium then premium reflects in file. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage is PUD - Detached. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage is PUD - Detached. |
| XXXX | XXXX | Original Interest Rate | 9.6250% | 9.1250% | Per the Note the interest rate is 9.125%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the approval, the LTV is XXX%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the approval, the CLTV is XXX%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.52% | 35.16% | Per the approval, the DTI is 35.715%. Unable to determine the source of the tape value. Non material variance to the approved DTI. |
| XXXX | XXXX | Appraised Value | XXX | XXX | The value per the AVM is $409,000. Unable to determine the source of the tape value. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Attached | Property type per Appraisal and Mortgage is PUD - Attached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 47.94% | 43.96% | Per the approval the DTI is 44.381%. Unable to determine the source of the tape value. Non material variance to the approved DTI. |
| XXXX | XXXX | Representative Credit Score | 718 | 767 | Review value is the credit score of the primary wage earner, borrower 1, as per guideline. Tape value reflects the lower of the mid scores between the two borrowers. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance. 1008 reflects CLTV XXX%, tape value appears to be rounded. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.27% | 40.71% | Per the approval/1008, the DTI is 40.714%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Representative Credit Score | 737 | 740 | Tape value is the mid score for borrower 1. Review value is the mid score for the primary wage earner, which is borrower 2. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 41.27% | 37.93% | Per the 1008 and approval, the DTI is 38.707%. Unable to determine the source of the tape value. Non material variance to approved DTI. |
| XXXX | XXXX | Representative Credit Score | 752 | 756 | Review value is the mid credit score of the primary wage earner. The tape value is the lowest of the mid scores for the two borrowers. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Review Value as per Appraisal and Mortgage Rider. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.50% | 38.38% | Per the approval the DTI is 38.382%. Unable to determine the source of the tape value. Variance < 3%. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 44.99% | Review DTI is 44.99%. Lender tape value is 45%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.19% | 44.13% | Review DTI is 43.05%. Lender tape and 1008 DTI is 44.19%, no material variance noted. Lender used $382.54 as HOA dues. Documents in file reflected $301.54 (p. 493) and $318(p. 504). Review used higher $318 in the DTI. Source of Lender's value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value of XXX% results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.43% | 32.45% | Review DTI is 32.45%. Lender and tape value of 39.43% results in 6.98% variance due to Lender including installment debt payment of $606 with Upgrade ending #3815 that has a $20 balance remaining. Review omitted as installment debt has < 1 month remaining. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.86% | 30.27% | Review DTI is 30.27%. Tape value is unknown. Lender 1008 reflects 31.226, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value and 1008 CLTV is XXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.99% | 36.85% | Review DTI is 36.85%. Source of tape value of 19.99% is unknown. Lender 1008 reflects 41.876%. Variance on 1008 to Review DTI is due to Lender counting the subject taxes and insurance payments twice. Lender included the PITIA as the P&I payment and duplicated the taxes and insurance causing the Lender DTI to calculate to 41.876%. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.46% | 40.28% | Review DTI is 40.28%. No material variance to tape DTI of 40.56% or 1008 DTI of 39.768% |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Attached | Property Type per appraisal is PUD - Attached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects LTV of XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 reflects XXX%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.69% | 38.30% | Review DTI is 38.30%, Source of tape is unknown. Lender 1008 reflects 38.298%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal value is $475000. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property Type per Mortgage and Appraisal is PUD - Attached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX% which matches to Lender 1008, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 reflects XXX%, thus no material variance noted. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.09% | 21.15% | Review DTI of 21.15% matches to the Lender 1008 DTI of 21.146%. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal value is $2,190,000 per appraisal. Source of tape value is reflected as estimated value on Loan Estimate. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of tape is unknown, 1008 reflects LTV XXX% which is a rounding variance to review's XXX. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of tape is unknown, 1008 reflects LTV/CLTV of XXX which is a rounding variance to review's XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 3.52% | 7.57% | Review DTI is 7.57%. Lender 1008 reflects 7.572% thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Source of tape is unknown. Lender 1008 reflects AVM value per the most current AVM of $1,209,000 was used. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape and Lender 1008 value of XXX% results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.99% | 42.96% | Review DTI is 42.96. Lender and Tape value is 39.99%. No material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape value of XXX% results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.88% | 31.30% | DTI is 31.30%. Source of tape is unknown. 1008 DTI is 31.304%, thus no material varirance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.59% | 38.43% | Per the approval the DTI is 37.942%. Unable to determine the source of the tape value. Non material variance to approved DTI, used YTD rather than full capacity. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Documentation requirements for other source of income < 24 months does not meet full doc definition. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 22.51% | 32.43% | Variance is due to income calculation for borrower 2, exception set |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape value of XXX% results in no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the approval, the LTV is XXX%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the approval, the CLTV is XXX%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.80% | 38.37% | Per the approval, the DTI is 35.823%. Unable to determine the source of the tape value. Non material variance due to calculation of grossed up social security. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.84% | 44.54% | Per the approval the DTI is 44.542%, no variance to approved DTI. |
| XXXX | XXXX | Original Interest Rate | 9.3750% | 9.7500% | Per Note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX% which matches to the Lender 1008. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 reflects XXX%, thus no material variance. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.74% | 38.82% | Review DTI is 38.29%. Lender 1008 reflects 40.847%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per Valuation ProductAppraisal. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.92% | 31.28% | DTI variance is less than 3% and considered non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX% which matches to Lender 1009 of 17.045%. No material variance noted either to 1008 or tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 is XXX% and tape value of XXX% result in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 7.78% | 34.57% | Review DTI is 31.57%. Source of tape value is unknown. Lender 1008 reflects 34.571%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 21.59% | 21.01% | Non material variance |
| XXXX | XXXX | Representative Credit Score | 761 | 763 | Review value is the mid score for B1, the primary wage earner. Tape value reflects the lowest of the two mid scores. |
| XXXX | XXXX | Original Interest Rate | 15.5000% | 12.5000% | Per Note (pg. 34). Source of Tape Value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 49.43% | Approved DTI is 47.06%, Review DTI 49.43%. <br>Variance is due to income, liability not included by lender and taxes/insurance. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.89% | 35.86% | Review DTI is 35.86%. Tape value is unknown. Lender 1008 reflect 35.894% thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 35.33% | 43.04% | Per the 1008 the approved DTI was 43.403%, unable to determine the source of the tape value. Non material variance to approved DTI. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX% which matches to the Lender 1008 thus no material variance. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender 1008 reflects XXX% thus no material variance. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.97% | 41.19% | Review DTI is 41.19%. Lender 1008 DTI is 40.375%, thus no material variance. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value Per Valuation Product. Tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.63% | 21.20% | Approved DTI 21.19%, variance due to rounding is non-material. Source of Tape Value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per DOT, PUD rider and appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX. Source of tape is unknown. Lender 1008 reflects 18.082%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.50% | 37.66% | Review DTI is 37.66%. Tape reflects 37.50%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value page 274. Source of tape was estimated appraisal value on LE. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.36% | 46.68% | Review DTI is 46.88%. Tape value of 42.36% is unknown. Lender 1008 reflects 44.396%. Lender did not include the subordinated payment, causing the variance. Max DTI is 45%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of tape is unknown, approved LTV/CLTV XXX%. Review LTV/CLTV XXX%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of tape is unknown, approved LTV/CLTV XXX%. Review LTV/CLTV XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.84% | 39.81% | Non-Material variance less than 1%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape appears to reflect the stated value given at the time of application. Value of $585,000 based on AVM in file. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.33% | 36.34% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal tape value. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.15% | 39.55% | Non material variance. Source of tape DTI is unknown. QC used total property tax, did not include credit shown on tax bill (pg 201). |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value of $435,000 confirmed per appraisal. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.95% | 44.87% | Non material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.92% | 41.33% | Approved DTI 41.47%, variance < 3% is non-material. Source of tape value is unknown. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Loan amount increased to $XXX on CD issued XXX page 506. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV vs tape XXX% unknown source. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Combined LTV is XXX% |
| XXXX | XXXX | Total Debt to Income Ratio | 23.90% | 34.45% | Source of tape value is unknown. Approved DTI 38.82%, variance due to double counting the tax and insurance that is already escrowed with the 1st lien. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.19% | 35.62% | QC DTI of 35.62% matches 1008. Non-material variance. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value of confirmed per 1004 report. Source of tape value from initial 1003. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Verified per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.46% | 41.84% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV XXX% vs tape XXX% unknown source. |
| XXXX | XXXX | Representative Credit Score | 783 | 785 | 785 is mid score of primary wage earner. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.23% | 40.97% | QC DTI of 40.97% matches 1008. Non-material variance. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value of $600,000 confirmed per appraisal. Source of tape value from initial 1003.<br>|
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per the appraisal. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.27% | 28.47% | QC DTI of 28.47% is 2.8% less than tape value of 31.27%. Variance due to lender using incorrect P&I payment on 1st lien. P&I per mortgage statement $1254.54. Lender used P&I of $1730 which includes tax and insurance. Non-material variance less than 3%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value of $535,000 confirmed per appraisal. Source of tape value from initial 1003. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.41% | 28.19% | Non material variance due to small variance in income calculations and amount of 2nd lien payment. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.68% | 37.10% | QC DTI of 37.10% matches 1008. Variance of 4.58%. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.17% | 24.61% | Non-material variance. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.58% | 46.56% | QC DTI of 46.56% matches 1008. Source of tape value is unknown. DTI of 46.56% meets guidelines for DTI to 50%. |
| XXXX | XXXX | Representative Credit Score | 722 | 731 | Qualifying score confirmed per credit report. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value per AVM. Tape value is rounded down. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD per the title. Source of tape vale is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 5.80% | 35.15% | QC DTI of 35.15% matches 1008. Source of tape value of 5.8% is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value of $551,000 confirmed per AVM. Source of tape value from initial 1003. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.53% | 25.84% | Non-material variance due to minor difference in income calculations. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material rounding variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.16% | 41.17% | Non-material rounding variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per PUD rider and AVM. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.86% | 40.82% | Non material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value confirmed per AVM. Source of tape value from initial 1003. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as a PUD per appraisal and title. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.94% | 42.50% | Non-material variance due to minor differences in income calculations. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per the PUD rider and AVM. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.94% | 30.06% | QC DTI of 30.06% matches 1008. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.78% | 40.57% | QC DTI of 40.57%. Lender DTI of 39.725% calculated with incorrect Social Security for B2. Non-material variance. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value confirmed per AVM. Source of tape value from initial 1003. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.29% | 42.44% | Variance < 3% is non-material. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Full Document file confirmed per file review. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.84% | 21.49% | QC DTI of 21.49% matches 1008. Source of tape value is unknown. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Full Doc per file review. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Property Type | Four Family | Three Family | 3 family per the appraisal. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-Material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.59% | 36.99% | QC DTI of 36.99% matches 1008. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.47% | 42.37% | Variance < 3% is non-material. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation requirements < 24 months does not meet full doc definition. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per the appraisal and PUD rider. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.53% | 44.05% | QC DTI of 44.05% matches 1008 (pg 28). Non-material variance. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.81% | 38.30% | Source of tape value is unknown. Variance between review value and lender approval value of 37.826% is due to review using higher tax payment. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value of $280,000 confirmed per appraisal. Source of tape value from initial 1003. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.84% | 40.77% | Review DTI of 40.77% is non material variance from approval DTI of 40.99%. Source of tape value is unknown. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation requirements for retirement income < 24 months does not meet full doc definition. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.78% | 27.55% | QC DTI of 27.55% matches approval. Source of tape value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Attached | Attached PUD per the appraisal. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.75% | 43.88% | QC DTI of 43.88% matches 1008. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 44.88% | QC DTI of 44.88% matches 1008. Source of tape value is unknown. Non-material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material rounding variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 43.71% | Non-material variance due to minor variance in income and liablity calculations. |
| XXXX | XXXX | U/W Doc Type | Full/Alternate | Full | Non material variance. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.13% | 43.35% | QC DTI of 43.35% matches 1008. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.61% | 35.07% | Non material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.59% | 34.60% | Non material rounding variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.21% | 29.67% | QC DTI of 29.67% closing matches 1008. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.46% | 29.94% | Review DTI of 29.94% increased by 3.48%. Increase due to B2 was qualified with unsupported base income. Review used lower qualifying income. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.80% | 22.82% | Approval DTI of 24.12% per 1008. DTI variance to 1008 due to lender double counting the T&I on subject per mortgage statement. Source of tape value is unknown. DTI variance to tape value is less than 3%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.72% | 22.77% | QC DTI of 22.77% matches 1008. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.75% | 44.78% | Non-material variance due to minor difference in income calculations. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.71% | 33.61% | Non-material variance due to difference in PITI payment calculations. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per the Appraisal. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.96% | 21.26% | Non material variance of 1.3%. Variance due to lender using base income for borrower that is not supported. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.02% | 34.36% | QC DTI of 34.36% matches 1008. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.54% | 35.56% | Non-material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as a PUD per title and appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.73% | 44.39% | QC DTI of 44.39% closely matches 1008. Non-material variance. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.74% | 41.43% | QC DTI of 41.43% matches 1008. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used mortgage statement for senior lien balance and review used more recent VOM |
| XXXX | XXXX | Total Debt to Income Ratio | 44.95% | 39.25% | Tape value unknown. Review value matches approval and 1008 in file. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape value unknown, review value from AVM in file. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.00% | 47.93% | Variance due to lender using higher student loan payments than documented in the file. Review used documented amounts from the file rather than higher stated amounts from 1003. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV of XXX% is based on the current principal balance for the first lien per the updated credit supplement in file. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.29% | 41.14% | Approved DTI 32.29%, Review DTI 50.76%. Variance is due to missing documentation to support omitted debt, exception set. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 48.11% | 45.11% | Tape value used higher payment of for first mortgage lien than review value per statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.01% | 36.38% | Non-Material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per PUD rider and AVM. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value uses value of AVM. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.39% | 43.97% | Source of tape is unknown, approved DTI per 1008. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Retirement income documentation requirements < 24 months do not meet full doc definition. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.07% | 25.45% | Non-Material variance less than 3%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-Material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.20% | 37.89% | Source of tape is unknown. DTI of 37.89% is within tolerance of final 1008/approval DTI of 37.879%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender and Tape value is XXX%. No material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.54% | 42.88% | Review DTI is 42.88%. Lender 1008 reflects 42.932%. Source of tape value is unknown. No material variance noted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.54% | 43.91% | Non-Material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per appraisal, property is detached PUD. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.59% | 29.90% | DTI of 29.90% matches approval and 1008. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape XXX% and lender value of XXX% is unknown |
| XXXX | XXXX | Total Debt to Income Ratio | 33.02% | 32.32% | Review DTI is 32.32%. Tape value is 33.02%, no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used older senior lien balance |
| XXXX | XXXX | Total Debt to Income Ratio | 21.23% | 23.30% | Review value matches approval and 1008. Tape value unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape value is XXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.36% | 42.98% | Review DTI is 42.98% based on grossed up SSI income on both borrowers. Lender tape value is 44.36%, thus non-material variance. |
| XXXX | XXXX | Representative Credit Score | 703 | 708 | Qualifying score confirmed per credit report. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 12.00% | 41.09% | 41.09% DTI matches final approval and 1008. Tape source unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review used senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.71% | 22.60% | Tape data source unknown, final approval and 1008 show 23.495%, variance is lender using payment with less than 10 payments. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal and Mortgage Deed of Trust, subject property is a Detached PUD. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX1%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is unknown. Lender 1008 reflects XXX% CLTV, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.67% | 41.00% | Review DTI is 41%. Tape value is unknown. Lender 1008 reflects 40.996%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.23% | 26.09% | Within tolerance. |
| XXXX | XXXX | Representative Credit Score | 738 | 728 | Qualifying score confirmed per credit report. Source of tape value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per the PUD rider and appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 matches to Review. No material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 9.93% | 31.60% | Review DTI is 31.60%. Source of tape is unknown. Lender 1008 reflects 33.011% DTI for a 1.41% variance that is not material. Variance is due to Lender using slightly less income calculation then that of Review. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.43% | 19.31% | 19.31% DTI matches final approval and 1008. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.19% | 40.40% | Tape value unknown, review value matches final approval and 1008. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.56% | 39.58% | Review DTI is 39.58%. Source of tape is unknown. Lender 1008 reflects a 39.847% DTI, thus no material variance noted. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.43% | 44.35% | Variance is less than 2% and considered non-material. |
| XXXX | XXXX | Representative Credit Score | 717 | 723 | Review indicator score is 723 which is B1 who is primary wage earner. Tape reflects indicator score of B2 |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.12% | 41.48% | Tape value unknown, IB value within tolerance of lender value of 40.704% per final approval and 1008. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per appraisal property is detached PUD. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.62% | 40.72% | 40.72% Matches lender DTI on final approval and 1008 value of 40.717%. |
| XXXX | XXXX | Representative Credit Score | 708 | 738 | Qualifying score confirmed per credit report. Source of tape value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per the PUD rider and appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is 14.89%. Tape value is unknown. Lender 1008 reflects XXX% thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape value is unknown. Lender 1008 reflects XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.51% | 29.41% | Review DTI is 29.41%. Source of tape is unknown. Lender 1008 reflects 28.972%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.11% | 26.83% | Non-Material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.74% | 32.59% | Non-Material variance. |
| XXXX | XXXX | Representative Credit Score | 740 | 752 | Qualifying score confirmed per credit report. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used property value of instead of appraised value per valuation product provided |
| XXXX | XXXX | Total Debt to Income Ratio | 26.78% | 38.73% | Final approval and 1008 DTI is 38.552 which is within tolerance of IB review. Tape value unknown. |
| XXXX | XXXX | Representative Credit Score | 731 | 733 | 733 is the representative score of the primary wage earner. Tape value is the lowest middle score. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.46% | 44.18% | DTI on final approval and 1008 have DTI at 44.177%, which matches review value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.19% | 28.97% | Within tolerance. |
| XXXX | XXXX | U/W Doc Type | Full/Alternate | Full | No variance, formatting issue. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per title, appraisal and PUD rider property is detached PUD. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.14% | 40.40% | Non-Material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.73% | 32.13% | Non-Material variance. |
| XXXX | XXXX | Representative Credit Score | 734 | 743 | Qualifying score confirmed per credit report. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value matches approval, tape value appears to be a typo. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.15% | 43.81% | Non-Material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.79% | 42.33% | Tape value includes the (Creditor) payment but final CD shows it being paid off. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.49% | 24.77% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.14% | 41.72% | Tape value omits solar lien payment. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV matches the approval and 1008 value of XXX%. Tape value is the incorrect LTV of XXX% doubled. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.66% | 30.38% | 30.38% DTI is within approval DTI of 30.753%. Tape value unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.77% | 43.06% | 43.06% DTI is within tolerance of approval DTI of 42.839%. Variance is due to review excluding Bonus income. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Tape value used estimated value at application, Review used appraised value per valuation production. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Appraised value determined by appraisal product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.39% | 38.51% | Tape value used the total payment including escrows from the first mortgage statement, then added escrows again in the subject payment breakdown causing a duplication of expenses. |
| XXXX | XXXX | Representative Credit Score | 762 | 767 | 767 is the representative score of the primary wage earner. Tape value is the middle score of borrower 2. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Interest Rate | 12.0000% | 11.2500% | Per Note, Interest Rate is 11.25%. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.14% | 27.67% | Non-Material variance. |
| XXXX | XXXX | Representative Credit Score | 724 | 745 | Qualifying score confirmed per credit report. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Appraised value determined by appraisal product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.40% | 29.25% | Non-Material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per title, the subject is in a PUD. This matches the approval and closing documents. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Interest Rate | 8.8750% | 8.7500% | Per the Note, the interest rate is xx. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.30% | 43.87% | Non-Material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 25.91% | 25.63% | Non material variance. Approval reflects 25.628%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the approval the LTV is XXX%, variance due to rounding. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the approval the CLTV is XXX%. No material variance to the approved CTLV. Unable to determine the source of the tape value. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.03% | 20.92% | Non material variance, approved DTI was 20.963%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 46.98% | 47.77% | Non-Material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.37% | 43.41% | Variance < 3% is non-material. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation requirements do not meet full doc definition. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using the senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.95% | 44.60% | Variance < 3% is non-material. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation requirements do not meet full doc definition. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV based on property value. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV based on property value. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.89% | 25.04% | 25.04% DTI matches final approval and 1008. Tape source unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX CLTV using senior lien balance from statement. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.80% | 37.84% | Variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 714 | 709 | 709 is the representative score for the primary borrower. Tape source is the high score. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income document requirements do not meet full doc definition. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance of 0.02% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.24% | 48.09% | Variance < 3% is non-material (max 50%).<br>|
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation requirements do not meet full doc definition. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 3% due to rounding is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from statement. Source of tape is unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.99% | 44.86% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from statement. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.81% | 42.72% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV Using senior lien balance from statement. Source of tape is unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.47% | 35.33% | Variance < 3% is non-material. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income docs required do not meet full doc definition. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.35% | 38.65% | Source of tape is unknown. Approved DTI 35.67%, variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.14% | 35.68% | Tape value is duplicating the escrow expense in the senior lien and current expenses. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Documentation requirements do not meet full doc definition. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal property type is PUD - Detached. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.02% | 47.68% | Within tolerance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and AVM property type is PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.52% | 44.47% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.79% | 43.71% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.90% | 27.05% | Within tolerance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per PUD rider. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.30% | 36.08% | Within tolerance. |
| XXXX | XXXX | Representative Credit Score | 703 | 781 | 781 is the representative score of the primary wage earner. Tape value is representative score of lower score. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.13% | 44.08% | Within tolerance. |
| XXXX | XXXX | Representative Credit Score | 702 | 713 | 713 is the representative score for primary wage earner. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.98% | 44.72% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.06% | 42.30% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape value of XXX% is unknown. No material variance noted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape value of XXX% is unknown. No material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.29% | 40.53% | Review DTI is 40.53%. Source of tape value of 47.29% is unknown. Lender 1008 reflects 40.539% DTI, thus no material variance noted. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.14% | 31.91% | Source of tape is unknown, Review DTI if 31.91% is within 1% of the approved DTI of 31.83% per the 1008. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and file documentation reflecting an HOA fee on subject, the property is a PUD - Detached. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value of XXX as reflected on 1008 is unknown, yet there is no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.42% | 31.10% | Review DTI is 31.10%. Tape value of 32.42% is unknown. Lender 1008 reflects 32.078%, thus no material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.90% | 21.90% | Within tolerance. |
| XXXX | XXXX | Representative Credit Score | 787 | 811 | 811 is the representative score of the primary wage earner. Tape value is the lower representative score of both borrowers. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is on Lender 1008 and is unknown. No material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 21.28% | 21.38% | Review DTI is 21.38%. Tape and lender value is 21.28%, thus no material variance noted. |
| XXXX | XXXX | Representative Credit Score | 765 | 789 | Review representative credit score is 789 which is B2. Tape value is B1. Guidelines state that representative score is that of the primary wage earner which is B2. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.00% | 37.11% | 37.11% DTI matches final 1008 and approval. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.71% | 42.60% | 42.60% DTI matches final approval and 1008. |
| XXXX | XXXX | Representative Credit Score | 697 | 706 | 706 Is the representative score of the primary wage earner. Tape value is the representative score from Borrower 2. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.87% | 37.80% | 37.80% DTI matches final approval of 37.806%. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.99% | 22.35% | DTI is in line with approval at 22.708%. Tape source unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as a PUD by PUD rider. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX from VM in file. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value of $XXX from VM in file. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.07% | 42.30% | Approval in file has DTI of 49.76%. Variance due to lender using $853 payment on XXX account when supplement shows payment of $41. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape reflects stated value given at application. Review value of $757,058 per AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.39% | 47.27% | Variance < 3% is non-material. |
| XXXX | XXXX | U/W Doc Type | 12-mo Bank Statement-Business | Full | Per approval, loan is a full doc loan. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.22% | 44.11% | DTI is in line with final 1008 ratio of 44.08%. Tape source unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per the PUD rider and appraisal, the subject is a detached PUD. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.32% | 37.80% | 37.80% DTI is in line with Lender approval at 37.928%. Tape source unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and AVM property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.49% | 40.89% | 40.89% DTI is in line with lender approval of 40.241%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV is XXX% using senior lien balance of $XXX per statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.47% | 44.86% | 44.86% DTI is in line with lender approval DTI of 44.853%. Tape value does not appear to include Barclays expense. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per PUD rider and appraisal, property is a detached PUD. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 22.10% | 31.08% | Tape value omits the second XXX. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.41% | 42.97% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.93% | 44.46% | Within tolerance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage rider and AVM property type is PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.42% | 44.34% | Within tolerance. |
| XXXX | XXXX | Representative Credit Score | 778 | 795 | 795 Is the representative score of the primary wage earner which is borrower 2. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.20% | 38.95% | Within tolerance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.39% | 43.36% | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 35.71% | 35.69% | Non-material variance. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation requirements < 24 months does not meet full doc definition. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.75% | 37.28% | QC DTI of 37.28% closely matches 1008 DTI of 36.57%. Non-material variance due to UW not including XXX. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.54% | 44.87% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.78% | 37.54% | 37.54% DTI is in line with final approval DTI of 38.349%. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 15.98% | 18.95% | 18.95% Matches final approval DTI of 18.933%. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.90% | 35.58% | 35.58% DTI is in line with final approval DTI of 35.949%. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance, due to updated balance on first lien |
| XXXX | XXXX | Total Debt to Income Ratio | 39.94% | 39.45% | Non material variance, due to P&I of first mortgage on 1008 not matching statement |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.87% | 38.14% | 38.14% is in line with final approval DTI of 39.250%. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.34% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.97% | 44.67% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.84% | 44.99% | Within tolerance |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.90% | 44.97% | Within tolerance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.92% | 31.84% | Within tolerance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% LTV using senior lien balance of XXX from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.41% | 41.54% | Within tolerance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.17% | 37.10% | Final 1008 has DTI of 38.944% which is in line with review value. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.25% | 30.31% | Final 1008 has DTI of 30.262% is in line with review DTI of 30.31%. Tape source does not utilize rental income on new investment property. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.79% | 38.52% | Within tolerance. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation requirements < 24 months does not meet full doc definition. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Appraised value determined by appraisal product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.48% | 44.64% | Within tolerance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as PUD per appraisal, title and PUD rider. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Appraised value determined by appraisal product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.80% | 37.62% | Review used hourly rate to determine base wages for B2, tape value rolled the overtime into the base wages. |
| XXXX | XXXX | Representative Credit Score | 687 | 742 | 742 is the representative score for the primary wage earner. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the 1008, the approved LTV was XXX%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the 1008, the approved CLTV was XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.91% | 44.72% | Per the 1008, the approved DTI was 44.706%. Non material variance to approved DTI. |
| XXXX | XXXX | Representative Credit Score | 754 | 757 | Credit report reflects the mid-score for the borrower is 757. Per the 1008, the approved credit score is 757. 754 is not a score on the credit report, unable to determine the source of the tape value. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.28% | 43.64% | Within tolerance. |
| XXXX | XXXX | Representative Credit Score | 731 | 729 | 729 Score is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.14% | 44.30% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.92% | 43.17% | 43.17% DTI is in line with final 1008 DTI of 43.135%. Tape source does not include the 2 new accounts the borrower opened. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.80% | 31.70% | Within tolerance. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.00% | 47.78% | Source of tape is unknown, DTI on final 1008 is 47.695%. Review DTI 47.78%. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.53% | 44.35% | 44.35% DTI is within tolerance of approval DTI of 44.077%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Appraised value determined by appraisal product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.00% | 37.05% | 37.32% DTI is within tolerance of approval DTI of 36.726%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.62% | 42.08% | Within tolerance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX from appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value of $XXX from appraisal. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per Appraisal, value is $745K. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.30% | 32.49% | Within tolerance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.46% | 44.22% | Within tolerance. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.97% | 48.65% | 48.65% DTI matches final 1008. Source of tape is unknown.<br>|
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Documentation requirements < 24 months does not meet full doc definition. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD Detached per PUD Rider. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.38% | 25.53% | Non-material variance of 2.85% due to lender using P&I on 1st mortgage. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.99% | 42.58% | Within tolerance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per PUD rider property is a PUD. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 4.88% | 10.96% | 10.96% DTI matches final approval and 1008. Tape source unknown. |
| XXXX | XXXX | U/W Doc Type | Full | 24-mo Bank Statement-Business | Per final approval, document type is 24 month bank statement loan. Tape source unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance per statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.24% | 36.87% | 36.87% DTI is within tolerance of final approval DTI of 37.237%. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage and Appraisal is PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.76% | 41.51% | 41.51% DTI is matches final approval of 41.514%. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review used the appraisal value. Tape calculated using the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review used the appraisal value. Tape calculated using the estimated value. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.80% | 36.17% | Review DTI matches final 1008 DTI. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review used the appraisal value. Tape calculated using the estimated value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.07% | 36.30% | QC DTI of 36.30% matches 1008 and approval. Source of tape value of 19.07% is unknown. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation requirements < 24 Months does not meet full doc definition. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value confirmed as per AVM. Source of tape value from initial 1003. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.83% | 44.97% | Variance < 3% is non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage and Appraisal is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value per appraisal. Tape used estimated value. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value per appraisal. Tape used estimated value. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.44% | 40.68% | Review DTI is within tolerance of final approval DTI of 41.163%. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 692 | 731 | Review value is the representative score of the primary wage earner. Tape value is lower of the 2 borrowers. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value per appraisal. Tape is the estimated value. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Review value as per note. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to first lien UPB. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to first lien UPB. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.14% | 41.11% | Review DTI matches final 1008. Source of tape is unknown.<br>|
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value is per appraisal. Tape is the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV is XXX% using senior loan balance per statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.18% | 33.15% | Variance < 3%. Tape value used a higher senior lien payment than review. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.68% | 44.27% | Tape value included the full senior lien payment with escrows and then counted them again on the final 1008. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.96% | 42.47% | Source of tape is unknown. Review value < 3% variance from the approved DTI. |
| XXXX | XXXX | Original Interest Rate | 10.8750% | 11.7500% | Per Note, interest rate is 11.75%. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.41% | 39.17% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Interest Rate | 9.7500% | 9.0000% | Per note, interest rate is 9%. Source of tape is unknown.<br>|
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value. Source of tape is unknown. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% LTV using appraised value. Source of tape is unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 11.40% | 44.53% | Review DTI < 3% variance from approved DTI. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage and Appraisal is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.64% | 33.39% | Variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal. Tape is the estimated value. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Note amount confirmed per Note. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value closely matches approval CLTV of XXX%. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.10% | 38.81% | Review DTI of 38.81% < 3% variance from 1008 DIT of 39.6%. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior balance of $XXX from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.79% | 33.41% | Within tolerance of final 1008 DTI of 34.80%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance. |
| XXXX | XXXX | Representative Credit Score | 759 | 767 | B1 is primary wage earner and has score of 767. B2 has no income and score of 759. Review value determined per guidelines. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.40% | 27.68% | Within tolerance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.00% | 44.90% | Within tolerance. |
| XXXX | XXXX | Representative Credit Score | 772 | 779 | 779 is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value is rounded up from XXX%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from statement on page 280. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.43% | 43.49% | Within tolerance. |
| XXXX | XXXX | Representative Credit Score | 773 | 766 | 766 is the representative score of the primary borrower per guidelines. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.90% | 42.26% | 42.26% DTI matches final approval DTI of 42.249%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.83% | 25.41% | Within tolerance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value from appraisal of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value from appraisal of $XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.94% | 48.48% | 51.06% DTI using notes receivable income from tax returns, tape value used higher amount without sufficient documentation. Exception fired for DTI. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value is $2,400,000. |
| XXXX | XXXX | Total Debt to Income Ratio | 21.87% | 22.35% | Review DTI of 22.35% matches 1008. Source of tape value is unknown. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Data Tape is original loan amount applied for. Reviewer used amount per Note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.91% | 41.94% | 41.94% DTI matches final loan approval DTI of 41.914%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal and Mortgage, property type is PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.99% | 45.00% | Non material variance. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income doc requirements < 24 Months does not meet full doc definition. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.73% | 44.09% | QC DTI of 44.09% matches 1008. Source of tape value is unknown. Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 22.69% | 22.36% | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.42% | 36.29% | Non-Material variance less than 1% |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Note amount of XXX confirmed. Based on COC the borrower lowered the loan amount from XXX to XXX. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance due to tape incorrect loan amount and appraisal value. Loan amount was decreased. Lender approved LTV XXX%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance due to tape incorrect loan amount and appraisal value. Loan amount was decreased. Lender approved CLTV XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.16% | 44.03% | Tape appears to refelct the housing expense ratio. Final approved DTI 44.65. Review DTI 44.03%. Non-Material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value of $1,013,000 confirmed per appraisal. Source of tape value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD Detached per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.43% | 42.49% | QC DTI of 42.49% matches 1008. Source of tape value is unknown. Non-material formatting variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.23% | 44.95% | Source of tape value is unknown. Approved DTI 46.16%, variance > 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value confirmed per AVM. Source of tape value from initial 1003. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.35% | 41.02% | Source of tape value is unknown. Approved DTI 40.75%, variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | No material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.44% | 35.10% | Variance > 3% due to taxes and insurance that are escrowed with the first lien mortgage being double counted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.45% | 44.77% | Variance due to rounding is non-material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.45% | 44.54% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.29% | 23.53% | Discrepancy due to lender double counting the tax and insurance on subject. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.38% | 32.34% | Source of tape is unknown. Approved DTI 32.43%, variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.33% | 35.99% | Source of tape is unknown. Approved DTI 38.55%, variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% CLTV matches final approval. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.65% | 35.66% | Variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX1% LTV matches final approval. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from statement. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.39% | 44.34% | Variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 760 | 767 | 767 Is the representative credit score of the primary wage earner as required by guidelines. Tape is other borrower middle credit score. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value per appraisal. Tape is the estimated value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender's tape value of XXX% is Review's LTV value, not CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.96% | 31.65% | Review DTI is 31.65%. Tape is 31.96%, thus no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of the tape value is unknown. Lender 1008 reflects XXX% LTV, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Source of tape value is unknown. Lender 1008 reflects XXX% CLTV, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.16% | 42.35% | Variance > 3% is due to Review including consumer debt payment on pre-close report (pg 144). Borrower paid off one account with similar attributes; however, account numbers do not match. Max DTI allowed is 45%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per appraisal and PUD rider. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% CLTV matches final approval. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from statement. Tape is the LTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.25% | 25.15% | Approved DTI 24.93%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX per AVM. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value of $XXX per AVM. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.29% | 44.69% | Approved DTI 44.69%, no variance. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per AVM, value is $737,000. Tape is the estimated value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% CLTV matches final approval. Tape value unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of XXX from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.97% | 49.91% | Within tolerance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal, value is $1,650,000. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per appraisal and PUD rider. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%. No material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 23.12% | Review DTI is 23.12%. Source of tape is max allowed. Lender 1008 reflects 25.562%, thus no material variance noted. |
| XXXX | XXXX | Representative Credit Score | 714 | 775 | Review representative score is 775 which is that of B1 the primary wage earner. Tape value is representative score of B2. Guidelines state to use the primary wage earner's representative score to qualify. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.38% | 39.18% | 39.18% DTI matches final approval. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 753 | 759 | 759 Is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value of XXX% results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 46.35% | 46.34% | Review DTI is 46.34%, Tape value is 46.35%, no material variance noted (Max 50%). |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per Note, loan amount is XXX. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% CLTV using loan amount of $XXX and value of $XXX. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using a senior lien balance of $XXX from statement. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.97% | 42.45% | Within tolerance of approval DTI of 44.695%. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 728 | 732 | 732 Is the representative score of the primary wage earner as required per guidelines. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using value of $XXX from AVM. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using value of $XXX from AVM. Variance is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per AVM, appraised value is $1,190,000. Tape value comes from cover sheet of AVM.<br>|
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value of XXX results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.20% | 42.09% | Review DTI is 42.09%. Lender value is 41.20%, thus no material variance. Review calculated a lesser bonus income average then that of the Lenders. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.20% | 32.58% | Within tolerance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX0 per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value of $XXX per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.98% | 38.76% | Within tolerance of final approval DTI of 36.966%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal on page 459 value is $705,000, tape value is from AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%. No material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.72% | 39.03% | Review DTI is 39.03%. Tape value is 39.72%. No material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.88% | 23.46% | Within tolerance. Tape value counts the escrow payment twice. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value isXXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.52% | 40.21% | Review DTI is 40.21%. Tape value is 40.52%, resulting in no material variance. |
| XXXX | XXXX | Representative Credit Score | 772 | 783 | Review representative score is 783 which is that of B2 who is the primary wage earner. Tape value is the representative score of B1. Guidelines state the primary wage earner's representative score is used to qualify. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value is rounded up. |
| XXXX | XXXX | Total Debt to Income Ratio | 48.61% | 40.82% | Tape value includes the escrowed amount on the senior lien, but also added the escrow amount outside the mortgage which double counted the amount. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Lender tape value of XXX% results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 14.69% | 20.15% | Review DTI is 20.15%. Source of tape is unknown. Lender 1008 reflects a DTI of 20.135%, thus no material variance noted. |
| XXXX | XXXX | Representative Credit Score | 778 | 781 | Review representative score is 781, B1 Score. Tape value is B2. Guidelines state to use Primary wage earner as representative score. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Approval reflectsXXX%. Loan amount $XXX/AVM value $XXX=XXX%. Source of tape is unknown. Variance is non material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the 1008 the approved CLTV is XXX%, non-material variance, unable to determine the source of the tape value. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.00% | 47.90% | Non material variance < 3%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per the VM the estimated value is $893,487 which matches the 1008/Approval. Unable to determine the source of the tape value. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.69% | 32.21% | Non material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Loan type of PUD per HOA information. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.42% | 43.67% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from VOM. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.52% | 39.05% | Within 3% tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value of XXX% results in no material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 38.26% | 37.93% | Review DTI is 37.80%. Tape value is 38.26%, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX. Tape value is XXX%, thus no material variance noted. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income docs required < 24 months. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per the appraisal, the subject is in a PUD. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%, thus no material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.99% | 45.00% | Variance is non-material (45% Max Allowed). |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value of $XXX. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.84% | 19.50% | Within 3% tolerance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per the appraisal the value is $464,000. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from VOM. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.57% | 38.03% | Within 3% tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material (XXX% Max Allowed) |
| XXXX | XXXX | Total Debt to Income Ratio | 31.60% | 32.13% | Within 3% tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%. No material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.03% | 43.37% | Review DTI is 43.37%. Source of tape is unknown. Lender 1008 in file reflects 43.595% DTI, thus no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the approval and 1008 the LTV is stated as XXX%, which appears to be based on the 1st mortgage rather than the subject. Subject loan amount $XXX appraised value $XXX, subject LTV XXX%. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the approval and 1008 the CLTV is XXX. Unable to determine the source of the tape value. Non material variance to approved CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.72% | 37.89% | Per the approval and 1008 the DTI is 38.018%. Unable to determine the source of the tape value. Variance < 3% is non-material (45% Max). |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per the appraisal, the value is $450,000. Tape value appears to represent the initial estimated value. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.61% | 43.62% | Non material variance < 3%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.00% | 42.32% | Review DTI is 42.32%. Tape is 44%. Lender 1008 is 44.5%. No material variance noted. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Doc type considered as Full/Alt. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per the VM in the file the value is $1,539,214. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.80% | 43.20% | Within 3% tolerance. |
| XXXX | XXXX | Representative Credit Score | 810 | 817 | 817 Is the representative score of the primary wage earner as required by guidelines. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.58% | 43.32% | Within 3% tolerance (Max 45%). |
| XXXX | XXXX | Loan Purpose | Construction to Permanent | Cash Out Refinance | Per final CD/loan approval, loan is a cash out refinance. Source of tape is unknown. Subject property is a condo. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from statement. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.55% | 42.57% | Within 3% tolerance. |
| XXXX | XXXX | Loan Purpose | Construction to Permanent | Cash Out Refinance | Per final CD/Loan Approval, loan is a cash out refinance. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from VOM. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.36% | 28.87% | Variance > 3% due to qualifying DTI double counting property costs escrowed with first lien. |
| XXXX | XXXX | Loan Purpose | Construction to Permanent | Cash Out Refinance | Subject loan is a 2nd lien cash out refinance. Per appraisal the property was built in XXX and no indication of pending construction/renovation. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 49.89% | 48.81% | Non material variance, due to hazard insurance included twice (Max 50%) |
| XXXX | XXXX | Representative Credit Score | 799 | 794 | Review value is the mid score of the primary wage earner. Unable to determine the source of the tape value, neither borrower has a 799 score from any of the bureaus. |
| XXXX | XXXX | Loan Purpose | Construction to Permanent | Cash Out Refinance | Subject loan is a 2nd lien cash out on a property built in 1978. No indication of pending construction/renovation. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the 1008 and Approval the LTV is XXX%. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the 1008 and Approval the CLTV is XXX%. Non material variance to approved CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.17% | 41.10% | Non material variance < 3%. |
| XXXX | XXXX | Representative Credit Score | 735 | 745 | Per guidelines, Primary wage earner representative score is used to qualify - Borrower 2 is the primary wage earner. Tape value is from B1. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per the appraisal, the value is $620,000. Unable to determine the source of the tape value. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.09% | 34.82% | Non material variance < 3%. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per appraisal and DOT. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value of $XXX. Also using senior lien balance of $XXX from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.74% | 41.30% | Within tolerance of 3%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal, value is $607,000. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.36% | 27.23% | Per the 1008 and Approval the DTI is 27.106%. Unable to determine the source of the tape value. Non material variance to approved DTI. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per title, property is located in a PUD. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX from AVM in file. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value agrees with the qualifying CLTV. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.68% | 35.75% | Review value matches final approval. Spurce of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value per AVM is $886,206. Tape was the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value of XXX% results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.28% | 34.69% | Review DTI is 34.6%. Source of tape value of 23.28% is unknown. Lender 1008 reflects 43.814%. DTI within guidelines. |
| XXXX | XXXX | Representative Credit Score | 777 | 768 | Review representative score is Co-borrower score of 768. Co-borrower is the primary wage earner. Guidelines state to use the representative score of the primary wage earner. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Review Doc type is Full. Source of tape is unknown. Lender 1008 reflects borrowers qualified with Salaried (Full Doc) earnings. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value is rounded up. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.44% | 45.00% | Non-Material DTI variance due to escrow expense on mortgage statement being $75.33 higher than lender calculation. |
| XXXX | XXXX | Representative Credit Score | 726 | 775 | 775 Is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Doc type considered Full/ Alternative. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.03% | 34.63% | Review DTI is 34.63%. Tape value is unknown. Lender 1008 reflects 43.646%. Variance is due to Lender including payments on accounts paid off and slight variance in borrower income calculation. DTI within guidelines. |
| XXXX | XXXX | Representative Credit Score | 703 | 707 | Borrower representative score is 707 who is the primary wage earner. Tape value is the representative score of the co-borrower. Guidelines state the Primary wage earner representative score is used to qualify. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.17% | 42.07% | Within 3% tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.98% | 43.50% | Review DTI is 43.50%. Tape value us 44.98%. Lender 1008 reflects 44.856%, thus no material variance noted. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value from AVM of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value from AVM of $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 41.85% | 46.02% | Variance due to lender using higher income from Borrower 2. Borrower 2 works 10 months yet lender included year to date income. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per VM, appraised value is $582,673. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage/DOT and evidence of HOA in file, property is a PUD. Source of tape is unknown. No Appraisal provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.00% | 42.00% | Review DTI is 42%. Tape value is 41%, thus no material variance noted. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value of $XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.48% | 30.69% | Within tolerance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value is $673,000. Source of tape unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.86% | 38.79% | Review DTI is 38.79%. Tape value is 40.86%, no material variance. Lender used a lower bonus average than that of Review resulting in the non-material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%, thus no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.07% | 44.37% | Lender Updated 1008 reflects 44.16%. Review DTI is 44.37%. Tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value of $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 42.34% | 35.05% | 35.05% DTI matches lender DTI of $35.047%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal, value is $222,000. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.00% | 47.07% | Per the 1008 the DTI is 47.107%, unable to determine the source of the tape value. Non material variance to approved DTI. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX from appraisal. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. Difference due to existing 1st lien balance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.27% | 44.58% | Within 3% tolerance. |
| XXXX | XXXX | Representative Credit Score | 726 | 783 | 783 Is the representative score of the primary wage earner as required per guidelines. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal, the value is $430,000. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Tape value is XXX%. No material variance noted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%. No material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.59% | 36.75% | Review DTI is 36.75%. Lender tape DTI is 35.59%, thus no material variance. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income Doc Requirements < 24 Months Does Not Meet Full Doc Definition. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per Appraisal value is $1,115,000. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Tape value of XXX% results in no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value of XXX% results in no material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.81% | 37.71% | Review DTI is 37.71%. Tape value is 37.81%, thus no material varirance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | AVM reflects a value of $299K. Source of tape is unknown. Lender 1008 reflects a value of $299K. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.70% | 44.92% | Per the 1008, the approved DTI is 44.918%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 38.61% | Per the 1008, the approved DTI is 38.608%. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.55% | 33.30% | Review DTI is 33.30%. Tape value is unknown. Lender 1008 reflects 34.673%, thus no material variance. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per Note the Loan Amount is XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 33.72% | 42.14% | Debt ratio on 1008 is 42.27% which is within tolerance of review value of 42.14%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is XXX%. No material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.45% | 22.52% | Review DTI is 22.52%. Tape value is unknown. Lender 1008 reflects 23.452% DTI, thus no material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value Of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value Of $XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.82% | 35.63% | 35.63% DTI matches final approval and final 1008. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per drive by appraisal, value is $429000. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is XXX%. Source of tape is unknown. Lender 1008 reflects XXX% LTV, thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape value is unknown. Lender 1008 reflects XXX%, thus no material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.84% | 26.14% | Review DTI is 26.14%. Tape value is 32.84%. Source of tape value is unknown. Lender 1008 reflect 26.141%, thus no material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per AVM, value is $578K. Lender 1008 reflects $578K. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV Using appraised value of $XXX. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV Using appraised value of $XXX. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.85% | 42.64% | 42.64% Review DTI matches final approval and 1008. Source of tape is unknown. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation requirements < 24 mo does not meet full doc definition. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal, value is $750,000. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV matches final approval and 1008. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV matches final approval and 1008. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.97% | 48.89% | Within 3% tolerance. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation requirements < 24 months does not meet full doc definition. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal, value is $1,128,000. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the approval and 1008 the approved CLTV is XXX%. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.97% | 45.89% | Per the approval and 1008 the approved DTI is 45.870%. Non material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% Using senior lien balance from mortgage statement. Source of tape is unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.79% | 43.61% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from credit report. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.86% | 25.88% | Within 3% tolerance. |
| XXXX | XXXX | Representative Credit Score | 763 | 790 | 790 Is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Tape value appears to be rounded up to XXX%, review value is XXX. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance from statement. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.58% | 39.21% | Within 3% tolerance. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.65% | 40.13% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior loan balance of $XXX from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.47% | 42.40% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.92% | 44.91% | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 43.39% | 43.55% | Within tolerance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX from exterior appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value of $XXX from exterior appraisal. Per the 1008 the CLTV is XXX%, unable to determine the source of the tape value. Non material variance to approved CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.43% | 23.64% | Within tolerance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal, value is $280,000. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from credit update. |
| XXXX | XXXX | Original Interest Rate | 12.5000% | 11.6250% | Per note, interest rate is 11.625%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX per VOM. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.53% | 35.95% | Non-Material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Review value captured as per note. Source of tape unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value from AVM. Source of tape is unknown. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% LTV using appraised value from AVM. Source of tape is unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.54% | 43.39% | 43.39% DTI matches approval DTI. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured per AVM. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of tape is unknown. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of tape is unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.14% | 38.59% | 38.59% DTI matches final 1008 and final approval. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured per VM. Tape is the estimated value. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Loan amount verified per Note. Tape data appears to be the initial application terms. |
| XXXX | XXXX | Original Interest Rate | 9.0000% | 8.6250% | Rate verified per the Note. Tape data appears to be the initial application terms. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Note loan amount $XXX/appraised value $XXX results in LTV XXX%. Tape data appears to be the initial application terms. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the 1008 /Approval the CLTV is XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 46.48% | 44.76% | 1008 /Approval reflects DTI of 44.988. Unable to determine the source of the tape value. Non material variance to approved DTI. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value is $290K per appraisal. Tape data appears to be the initial application estimated property value. |
| XXXX | XXXX | Original Interest Rate | 9.6250% | 8.8750% | Review value captured as stated in the Note. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 44.87% | Variance is non-material (50% Max). |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.13% | 42.88% | Per the 1008 the approved DTI is 42.878%. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.67% | 37.06% | Variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 771 | 772 | 772 is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.63% | 32.75% | Variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 773 | 766 | 766 Is the representative score for the primary wage earner as required per guidelines. |
| XXXX | XXXX | Original Interest Rate | 8.3750% | 8.8750% | Per note interest rate is 8.8750%. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.39% | 45.85% | Within tolerance of 3%. Borrower qualifies for 50% DTI. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.00% | 39.43% | Non-Material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from statement. |
| XXXX | XXXX | Original Interest Rate | 9.3750% | 10.0000% | Note reflects interest rate of 10.000%. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.68% | 28.12% | Review DTI is 28.12%. Tape value is unknown. Lender 1008 value is 27.457%, thus no material variance noted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.00% | 38.63% | Per the 1008 the DTI is 38.605%. Non material variance to approved DTI, unable to determine the source of the tape value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX per AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value of $XXX per AVM. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.33% | 40.26% | Within tolerance. Variance due to WVOE used by lender having higher income than W2 for Borrower 2. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Property value per AVM is $618,837. Data Tape is original estimated value. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.99% | 35.80% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.88% | 42.74% | Non-material variance, due to escrow on first mortgage |
| XXXX | XXXX | Total Debt to Income Ratio | 38.89% | 39.90% | Non-Material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.27% | 44.28% | Non-Material variance. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Review considered Full/Alt as less than 2 full yrs was documented. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is XXX%. Tape reflects XXX%, thus no material variance noted. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance, tape/1008 value appears to be based on the credit report balance for 1st mortgage, review value based on credit supplement balance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.86% | 43.03% | Non material variance |
| XXXX | XXXX | U/W Doc Type | Full/Alternate | Full | Subject loan is full doc with two years history documented. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance is non-material. Difference due to using the lesser value from the post-closing BPO. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. Difference due to using the lesser value from the post-closing BPO. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.37% | 42.07% | Non-Material variance |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per title, property is a PUD. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value from AVM dated XXX of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value from AVM dated XXX of $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 46.00% | 42.60% | 42.60% DTI as borrower is paying off all debts. Tape value left debts open. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per AVM on page 240, value is $656,430. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV is XXX% using appraised value from AVM of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV is XXX% using appraised value from AVM of $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 22.03% | 19.01% | 19.01% DTI matches final 1008 and approval. |
| XXXX | XXXX | Representative Credit Score | 807 | 808 | 808 is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | Appraised Value | XXX | XXX | AVM has a value of $721,266. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV 56.93%. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.50% | 42.10% | Approved DTI 42.83%, thus no material variance. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as a PUD per title and appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior loan balance of $XXX from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.69% | 34.07% | Non-Material variance less than 3%. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.46% | 43.31% | Review DTI is 43.31%. Tape value is 44.46%,thus no material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.00% | 26.21% | Source of tape is unknown, Approved DTI per 1008 27.548%. Review DTI 26.21%. Variance is less than 3% and considered non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.21% | 37.04% | Within tolerance. Review did not included self reported utilities. |
| XXXX | XXXX | Representative Credit Score | 742 | 761 | 761 Is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.91% | 46.39% | Variance exceeds 3% but is below the max allowed DTI up to 50%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | No material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | No material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.69% | 33.71% | Review DTI is 33.71%. Source of tape value of 43.69% is unknown. Lender 1008 reflects DTI of 35.678%, thus no material variance noted. Review bonus average was slightly greater than that of the Lender's resulting in the small DTI variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value is $270K. Tape value of $275K is reflected on initial LE. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.51% | 42.63% | Approval DTI 42.44%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | No material variance noted. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.93% | 39.86% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.77% | 23.48% | Tape value duplicated escrow expense. First lien is escrowed and lender added escrow expense on final 1008. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.21% | 37.50% | Non-Material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.81% | 44.42% | Non-Material variance due to review includes undisclosed debt. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX LTV using appraised value of $XXX from appraisal. Tape value is from AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX from appraisal. Tape value is from AVM. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.63% | 39.15% | 39.15% DTI is within final approval DTI of 39.502%. Source of tape is unknown |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal value is $450,000. Tape value is from AVM. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.76% | 37.09% | Variance > 3% due to qualifying DTI double counting the property costs escrowed with 1st lien. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.63% | 33.93% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value is the appraisal value. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Appraisal does not reflect PUD, however there is an HOA assessment invoice and the DOT includes a PUD Rider and title commitment reflects PUD. Exception cited. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 21.42% | 21.45% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.37% | 39.83% | Non-Material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the 1008/Approval, the LTV is XXX%. Tape value uses original estimated property value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the 1008/Approval, the CLTV is XXX%.Tape value uses original estimated property value. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.10% | 33.46% | Approved DTI 36.54%, Variance > 3% due to approved DTI double counting property costs escrowed with first lien. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Representative Credit Score | 730 | 738 | 738 Is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.61% | 44.45% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Discrepancy is non-material. Review used the outstanding from the updated billing statement. Tape used the balance from the credit report. Exception cited - CLTV > XXX% Max Allowed. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.41% | 39.67% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.78% | 44.58% | Within tolerance and review value matches final approval. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value agrees with loan approval. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.92% | 42.61% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX from appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using value of $XXX from appraisal. Senior lien balance of $XXX, tape value used $XXX from final 1003. |
| XXXX | XXXX | Total Debt to Income Ratio | 9.01% | 38.04% | DTI on final approval is 38.113% which is within tolerance to review value. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal, value is $965,000. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance .18% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.53% | 44.30% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.11% | 37.13% | Within tolerance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.19% | 38.42% | Qualifying DTI double counted property costs escrowed with first lien.<br>|
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance due to tape rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 14.62% | 14.96% | Variance < 1% is non-material. |
| XXXX | XXXX | Representative Credit Score | 687 | 686 | Credit scores are 673/686/687. Representative score is 686, tape value reflects the high score. |
| XXXX | XXXX | U/W Doc Type | Full | 24-mo Bank Statement-Business | Source of tape is unknown. 24 months business bank statements with income calculator in file. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.75% | 43.73% | Variance < 3% tolerance. |
| XXXX | XXXX | Original Interest Rate | 10.6250% | 9.2500% | Review value captured as stated in the note. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.08% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.32% | 48.82% | Variance < 3% tolerance (Meets requirements for DTI up to 50%). |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value calculated using the AVM value. Tape calculated using the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value agrees with 1008. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.70% | 24.30% | Variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value is the AVM value. Tape is the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.08% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.21% | 44.83% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.54% | 44.07% | Variance < 3% is non-material.<br>|
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX from VOM. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.17% | 44.27% | Within tolerance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV Matches Final approval. Tape value uses $XXX appraised value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV Matches Final approval. Tape value uses $XXX appraised value. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.09% | 34.27% | Within tolerance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per AVM, value is $826,000. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 2.25% | 20.93% | Source of tape is unknown. Within tolerance of final approval DTI of 21.518%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.52% | 35.55% | Variance < 3% from approved DTI of 36.807%. Source of tape is unknown. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.74% | 16.15% | Variance due to lender including escrows in mortgage payment and then adding the escrow expense again to the subject loan. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.29% | 44.98% | 44.98% DTI Matches final 1008 DTI of 44.977%. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Review value captured as stated in the Note. Tape value is the original requested loan amount. |
| XXXX | XXXX | Original Interest Rate | 9.3750% | 9.5000% | Per note interest rate is 9.5%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance 0.4% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 2.78% is non-material. Review value calculated using the actual note amount of 2nd lien. Tape value is based on the original requested 2nd lien loan amount. |
| XXXX | XXXX | Total Debt to Income Ratio | 8.01% | 43.10% | Review value agrees with 1008. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 705 | 748 | 1003 included B2 IRA distribution under B1. Review value is B2/Primary borrower middle credit score. Tape is B1 middle credit score. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured as per the appraisal. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.35% | 25.37% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.14% | 44.83% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value of $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 38.06% | 35.06% | Within tolerance of final approval DTI of 36.644%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal, value is $745,000. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using senior lien balance of $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 33.01% | 35.02% | 35.02% DTI matches final 1008. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per note loan amount is XXX |
| XXXX | XXXX | Original Interest Rate | 9.8750% | 10.3750% | Per note interest rate is 10.375% |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% using Appraised value of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% using Appraised value of $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 48.07% | 44.36% | 44.36% DTI matches final approval. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per Appraised value is $520,000. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.81% | 28.16% | 28.16% DTI is within tolerance of final 1008 28.948%. Variance due to lender duplicating escrow expense. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation < 24 Months does not meet full doc definition. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.64% | 45.13% | DTI> 45% maximum allowed, variance due to lender using unsupported tax and insurance payments in PITI calculation. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.06% | 31.54% | QC DTI of 31.54% matches 1008. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.10% | 38.51% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance .11% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.00% | 42.17% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review matches to the approved LTV. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved XXX%, variance from the approved CLTV of 0.19% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.40% | 43.15% | Variance > 3% tolerance due to lender using a 2 year average for income. Review used monthly salary x 11 and divided by 12 as borrower is paid 11 months per year. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured as stated in the appraisal. Tape is the estimated value. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Approved LTV XXX% is based on the 1st lien loan balance. Review value is based on the 2nd lien loan amount. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value .10% variance from the approved CLTV. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.77% | 21.68% | Approved DTI 24.05%, variance is < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured as per the appraisal. Tape value is from unsupported AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.30% | 42.62% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance .3% is non-amterial. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.35% | 43.14% | Variance < 3% due to lender counting escrow expense twice. |
| XXXX | XXXX | Representative Credit Score | 772 | 781 | 781 is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.66% | 38.01% | Within tolerance of final approval DTI of 37.985%. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.01% | 44.61% | Variance is less than 1% and considered non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.49% | 41.46% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | LTV/CLTV variance is due to review using current balance from monthly statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.71% | 37.87% | DTI variance is due to lender including the subject taxes and insurance twice. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.08% | 25.58% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance .2% due to review using updated balance. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.39% | 44.26% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.51% | 27.44% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.21% | 30.08% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Source of tape is unknown, Loan amount verified per Note and final CD. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of tape is unknown, Lender approved LTV/CLTV was XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of tape is unknown, Lender approved LTV/CLTV was XXX% / XXX%. Variance of 1.51% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.92% | 45.11% | Review DTI < 3% variance from the approved DTI of 44.9%. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value of $520,000 confirmed per appraisal (pg 479). Tape value is from AVM which was not used for valuation due to CDA supports value. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.82% | 34.35% | Non-material variance due to difference in property tax calculation. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.66% | 40.32% | Review DTI < 1% from the approved 40.52% is non-material. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. Review matches 1008. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value on tape. Review matches 1008. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.48% | 42.27% | Approved DTI 41.90%, variance is non-material. Source of tape value is unknown. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation < 24 months does not meet full doc definition. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.81% | 33.76% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of tape is unknown, 1008 reflects approved LTV/CLTV of XXX%. No variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of tape is unknown, 1008 reflects approved CLTV of XXX%. Review CLTV is XXX% based on Sr balance per VOM. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.19% | 39.78% | Final DTI pending missing income documentation. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Self-employment income documentation does not meet full doc definition. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.02% | 42.32% | Source of tape is unknown, Approved DTI per 1008 40.79%. Review DTI 42.32%. Variance is less than 3% and considered non-material. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income considered as Full/Alternative as only 1 year was verified for B1. |
| XXXX | XXXX | Total Debt to Income Ratio | 21.32% | 18.14% | Approved DTI 18.56%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 790 | 814 | Review is primary wage earner middle credit score. Per guidelines, Primary wage earner representative score is used to qualify |
| XXXX | XXXX | Total Debt to Income Ratio | 49.99% | 49.47% | Non-material variance of <3%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.97% | 34.49% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.56% | 38.51% | Variance due to lender not including schedule C loss for Borrower 1.<br>|
| XXXX | XXXX | Representative Credit Score | 778 | 780 | 780 is the representative score for the primary wage earner as required by guidelines. Tape is B1 middle credit score. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Self-employment income docs do not meet full doc definition. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.23% | 35.54% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.12% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.76% | 31.43% | Approved DTI is 30.84%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance < 1%. |
| XXXX | XXXX | Total Debt to Income Ratio | 11.00% | 27.87% | 1008 reflects DTI of 28.659%, non material variance |
| XXXX | XXXX | Original Interest Rate | 9.3500% | 9.2500% | Review value captured as stated in the Note. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance due to rounding is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.80% | 44.45% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.74% | 37.98% | Approved DTI 37.15%, variance is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Review value captured as stated in the Note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value agrees with the 1008, no material variance due to rounding. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value agrees with the 1008. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.32% | 26.79% | Approved DTI 27.39%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Self-employment income documentation does not meet full doc definition, no CPA letter or P&L. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.55% | 36.67% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Note balance confirmed per Note. Source of tape value is unknown. |
| XXXX | XXXX | Original Interest Rate | 11.2500% | 9.7500% | Interest rate confirmed per Note. Source of tape value is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value and note amount on tape. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value and note amount on tape. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.53% | 24.51% | Non-material variance <3%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured per appraisal. Source of tape value from initial 1003. |
| XXXX | XXXX | Original Interest Rate | 8.5000% | 8.6250% | Per note, interest rate is 8.625%. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.99% | 31.04% | Source of tape is unknown, approved DTI per 1008 is 30.025, Review DTI is 31.04%. Variance is less than 3% and considered non-material. |
| XXXX | XXXX | Representative Credit Score | 725 | 726 | 726 is the representative score of the primary wage earner as required per guidelines. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.66% | 41.26% | QC DTI of 41.26% matches 1008. Source of tape value is from Approval. Variance due to lender not including (Retirement Plan) income in qualifying the borrower. Income not required to qualify. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.16% | 49.97% | Within tolerance. |
| XXXX | XXXX | Total Debt to Income Ratio | 10.00% | 22.75% | QC DTI of 22.75%, 1008 DTI of 26.62%. Variance due to lender double counting the subject P&I in DTI. Source of tape value is unknown. Non-material variance. <br>|
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.97% | 41.29% | Within tolerance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.54% | 30.88% | 30.88% Matches final approval. Tape source unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.52% | 29.24% | Within tolerance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value from appraisal of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% CLTV using appraised value from appraisal of $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 36.88% | 41.39% | DTI matches final approval. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per appraisal value is $256000.00. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.62% | 44.90% | Within tolerance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review used AVM value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Representative Credit Score | 768 | 763 | 763 Is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.88% | 44.09% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance .06% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.63% | 44.19% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance 0.25% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.94% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.04% | 28.22% | Review value matches final approval and 1008. Source of tape is unknown.<br>|
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured per the appraisal. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.15% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.13% | 19.11% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.09% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.20% | 44.21% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.84% | 44.38% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value .06% variance from the 100/, which is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 9.88% | 26.63% | Review value agrees with the 1008. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured as stated in the appraisal. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.53% | 42.45% | Matches final 1008. Tape source unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.75% | 42.76% | Non-Material variance less than 3%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured from the AVM. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 49.94% | 48.18% | Non material variance |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.22% | 37.27% | Within tolerance. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.40% | 42.44% | Matches final 1008. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.32% | 41.58% | Non-Material variance less than 1%. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.18% | 34.17% | Non-Material variance less than 1%. |
| XXXX | XXXX | Representative Credit Score | 712 | 729 | 729 Is the representative score of the primary wage earner as required by guidelines. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-Material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.91% | 44.77% | Non-Material variance les than 1%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.59% | 49.17% | Non-Material variance less than 1%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.47% | 33.70% | Lender duplicated timeshare expense. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.28% | 42.56% | Tape source unknown. Approved DTI per 1008 43.45%, Review DTI is less than 2% variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV is XXX% - variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV is XXX% based on 1st lien current UPB plus subject. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.56% | 28.99% | Source of tape unknown. 1008 DTI 28.98% vs review 28.99%. Variance is rounding. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage, property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.75% | 37.46% | Non-Material, Max allowed 50%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.76% | 46.05% | Source of tape unknown. Review 46.69% vs l008 of 45.88. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.28% | 41.36% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.84% | 38.40% | Within tolerance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review matches to the 1008. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review matches to the 1008. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 13.00% | 43.31% | Approved DTI 3.67%, variance > 3% (Max 45%). |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured as per the AVM. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape is the LTV. Review value has a less than 1% variance from the approved CLTV of XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 48.49% | 49.62% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.95% | 28.95% | Variance > 3% due to lender excluding first mortgage expense. |
| XXXX | XXXX | Representative Credit Score | 702 | 809 | 809 Is the representative score of the primary wage earner as required per guidelines. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.27% | 27.98% | Variance < 3% from the approved DTI 27.55% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Amortized Original Term | 360 | 240 | Per note, loan term is 240 months. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.96% | 43.43% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.81% | 42.11% | Tape source unknown. Lender DTI 42.11% matches review DTI. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.91% | 44.70% | Variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.56% | 43.18% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Loan amount verified per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 2% is non-material3 |
| XXXX | XXXX | Total Debt to Income Ratio | 42.87% | 42.71% | Approved DTI 43.554%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. Tape is the estimated value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.05% | 32.70% | Review value matches to the approved DTI. Tape source unknown. |
| XXXX | XXXX | Representative Credit Score | 770 | 776 | Mid score of primary wage earner is 776 verified on credit report. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraiser. Tape is the estimated value. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.04% | 36.73% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Review value captured as stated in the note. Tape value matches prior CD. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.55% | 40.44% | Variance < 3% from the approved DTI of 42.03% is non-material. Source of tape is unknown. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income docs < 24 months do not meet full doc definition. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.96% | 48.86% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.28% | 43.20% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.85% | 39.22% | Approved DTI 37.38%, variance < 3% is non-material. Tape source unknown. |
| XXXX | XXXX | Representative Credit Score | 772 | 786 | 786 FICO is of primary wage earner as verified per CBR. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured per the appraisal. Tape is the estimated value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV of XXX calculated on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV of XX% calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.07% | 42.13% | 42.13% DTI vs 1008 42.02%. Variance is rounding. |
| XXXX | XXXX | Representative Credit Score | 797 | 804 | 804 FICO based on primary wage earner from CBR. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV of XXX% calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.85% | 40.05% | Tape source unknown. 40.05% DTI vs lender 1008 39.36%. Variance is rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.79% | 19.95% | Matches final approval. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV of XXX% calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.94% | 42.14% | 42.14% DTI vs lender calculated per 1008 of 41.47%. Variance is rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.18% | 43.19% | Matches final approval. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV of XXX% calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.08% | 38.35% | 38.35% DTI calculated vs 1008 39.36%. Tape source unknown. Variance is rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV of XXX% calculated on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV of XXX calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.09% | 32.92% | 32.92% DTI vs lender 1008 33.87%. Variance is rounding. Tape source unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.73% | 29.76% | Non-Material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.51% | 28.26% | 28.26% DTI calculated vs lender 1008 of 28.26%. Variance is rounding. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV of XXX calculated on appraised value and latest loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.53% | 43.65% | 43.65% calculated DTI vs lender 1008 43.54%. Variance is rounding. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Doc type considered full/alt as less than 2 yrs tax returns were required per guideline. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.31% | 41.15% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.48% | 36.14% | 36.14% DTI vs lender 1008 36.85%. Variance is rounding. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV does not include third lien with solar. |
| XXXX | XXXX | Total Debt to Income Ratio | 48.55% | 43.02% | 43.02% DTI vs AUS 48.55%. Variance is due to TI included in lender PITIA calculations twice. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.43% | 29.93% | 29.93% DTI vs lender 1008 29.62%. Variance is rounding. Tape source unknown. |
| XXXX | XXXX | Representative Credit Score | 720 | 731 | 731 FICO is mid score of primary wage earner. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value taken from AVM performed 11/18/2024. No other appraisal in file. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% LTV using appraised value $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 31.97% | 33.35% | Source of tape is unknown, Approved DTI per 1008 33.07%. Review DTI 33.35% Variance is non-material. |
| XXXX | XXXX | Representative Credit Score | 796 | 773 | 773 Is the representative score of primary wage earner as required by guidelines. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value $1,565,000 per appraisal on page 404. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.77% | 33.76% | Within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.49% | 45.01% | 45.01% DTI vs lender 1008 44.49%. Variance is rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV of XXX% calculated on appraised value and latest loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV of XXX% calculated on appraised value and latest loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.54% | 41.78% | 41.78% DTI vs lender 1008 41.78%. Variance is rounding. Unknown source of tape. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value taken from appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.82% | 31.83% | Non-Material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.97% | 35.47% | Within tolerance of final approval DTI of 35.762%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV XXX% calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 10.35% | 11.49% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.49% | 27.55% | Source of tape is unknown. Lender approved DTI per 1008 27.98%. Review DTI 27.55%. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.22% | 35.45% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.48% | 41.80% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.44% | 42.57% | Non-Material variance |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV calculated on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 6.16% | 6.17% | Non-Material variance is due to rounding. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.17% | 24.95% | 24.95% DTI vs lender 1008 of 27.22% vs tape 27.17%. Variance is due to slightly higher review income calculation. |
| XXXX | XXXX | Representative Credit Score | 747 | 750 | 747 FICO is the mid score of the primary wage earner - Plums 750 is a misfire and is that of the secondary wage earner. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-Material Variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 14.29% | 27.48% | Updated 1008 reflects 27.45% DTI. Review DTI variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 36.25% | 42.86% | Due to using income from initial 1003 |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Review value captured as stated in the Note. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value calculated using the loan amount and AVM value. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value matches to the 1008. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 11.23% | 31.92% | Variance from the approved DTI 32.37% < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value is the AVM value. Tape is the estimated value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape reflects the DTI, Lender approved CLTV per 1008 XXX% No variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.10% | 38.13% | Approved DTI 35.62%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value is the appraisal value. Tape is the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on appraised value and current loan values. Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on appraised value and current loan values. Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.80% | 42.58% | 42.58% vs lender 1008 44.71% vs tape 44.80%. Variance is due to one tradeline being paid off prior to closing on CBR supp. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.23% | 28.14% | Variance < 3% is non-material. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Self-employment income requirements < 24 months does not meet full doc definition. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.75% | 42.56% | Approved DTI 42.56%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV of XXX% calculated on appraised value and current loan values. Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.57% | 40.89% | Approved DTI 42.59%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per AVM. Tape is the estimated value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on appraised value and current loan values. Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on appraised value and current loan values. Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.55% | 36.45% | 35.49% DTI vs tape 38.55% and lender 1008 of 40.74%. Variance is due to lender calculating B2 income bi-monthly instead of bi-weekly.<br>|
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. Tape is the estimated value. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on appraised value and current loan values. Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on appraised value and current loan values. Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.78% | 33.48% | Review value matches to the 1008. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 781 | 790 | 790 FICO is mid score of primary wage earner per CBR. Tape is the lower middle score of all borrowers. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income docs < 24 months does not meet full doc definition. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured per the appraisal. Tape is the estimated value. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.21% | 34.42% | Non-Material variance within tolerance. |
| XXXX | XXXX | Representative Credit Score | 765 | 767 | 767 Is the representative score of the primary wage earner as required per guidelines. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.47% | 33.46% | Non-Material variance within tolerance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.48% | 26.77% | Source of tape is unknown, Review calculation of 26.77% Matches final approval. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.95% | 41.75% | Within tolerance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 2% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.13% | 40.94% | Variance < 3% is non-material. Timeshare liability was considered in qualifying, however the mortgage was PIF as per release. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value is the appraisal value. Tape is the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.54% | 42.53% | 42.53% DTI vs lender 1008 42.54%. Variance is rounding. |
| XXXX | XXXX | Representative Credit Score | 717 | 729 | FICO of 729 is based on mid score of primary wage earner. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.20% | 41.22% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV of XXX% calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.33% | 43.23% | 43.23% vs lender 44.33%. Variance is rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value agrees with the 1008. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value agrees with the 1008. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.06% | 39.25% | Variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured from the AVM. Tape is the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.00% | 31.03% | Approved DTI 30.40%, variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-Material variance due to rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-Material variance due to rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.06% | 40.68% | Approved DTI 42.06%, variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 708 | 716 | Source of tape is unknow, FICO verified per CBR in file. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.77% | 39.78% | Variance due to rounding is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.31% | 26.95% | Approved DTI 26.75%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 723 | 726 | Review value is the borrowers middle credit score as per CBR. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured from the AVM. Tape is the estimated value. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.77% | 24.80% | Non-Material variance. |
| XXXX | XXXX | Representative Credit Score | 755 | 759 | Source of tape is unknown, borrower mid fico per CBR dated xx/xx/xx is 759. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Note amount is XXX Tape value matches initial LE. Loan approval on page 108 is for XXX |
| XXXX | XXXX | Original Interest Rate | 10.7500% | 9.7500% | Note rate is 9.750. Tape value matches initial LE. Loan approval on page 108 is for 10.75%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV based on loan amount of $XXX, tape value based on approved value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% LTV based on loan amount of $XXX, tape value based on approved value. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.92% | 48.99% | Variance is due to mis-calculation of rental income by lender. Exception set. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.95% | 44.33% | Non-Material variance within 3% tolerance. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Review considered as Full/Alt as guideline only requires 1 year tax return for self-employed borrower. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.04% | 32.79% | Variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured as per the appraisal. Tape is the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.88% | 39.06% | Approved DTI 41.354%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX per appraisal on page 12. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% LTV using appraised value of $XXX per appraisal on page 12. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.69% | 41.71% | Source of tape is unknown. Within tolerance of 1008 DTI of 41.96%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value $820K per appraisal on page 12. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV using senior lien balance from mortgage statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.38% | 19.33% | Non-Material variance less than 1%. |
| XXXX | XXXX | Original Interest Rate | 8.6250% | 8.3750% | Per note interest rate is 8.375. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV based on loan amount and value per valuatoin production provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value used value based on appraised value of valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.17% | 33.36% | Source of tape is unknown, Review DTI of 33.36% is within tolerance of final approved DTI of 33.377% per the 1008. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.16% | 34.57% | Approved DTI 38.79%, lender double counted taxes and insurance that are being escrowed with first lien. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 742 | 768 | 768 is the representative score of the primary wage earner as required per guidelines. Tape is B1 middle credit score. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review is the AVM. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.76% | 39.12% | Approved DTI 37.64%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 46.72% | 47.88% | Approved DTI 46.72%, variance < 3% is non-material (Max 50%). |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Tape is the CLTV. Review value is LTV, which matches to the approval. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value source is the appraisal value. Review value < 1% variance from the approved value of XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.66% | 44.22% | Approved DTI 44.23%, variance < 3% due to rounding is non-material. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Income documentation < 24 months does not meet full doc definition. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value matches final approval. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, variance < 1% is non-material. Tape is the appraisal value. |
| XXXX | XXXX | Total Debt to Income Ratio | 11.68% | 18.03% | Review value matches final approval, tape source unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Tape is the CLTV. Review value is the LTV, which matches to the 1008. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape is the appraisal value. Review value is the CLTV. Approved CLTV XXX%, variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.77% | 41.77% | Variance > 3% is non-material, Max allowed 45%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value matches approval. Tape is the CLTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value matches approval. Tape is the appraisal value. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.77% | 30.26% | Approved DTI 30.256%, non-material variance due to rounding. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value matches approval. Tape is the CLTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value < 1% variance from the approved CLTV of 58.80% is non-material. Tape is the appraised value. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value matches to the 1008. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.63% | 33.77% | Approved DTI 35.38%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Amortized Original Term | 360 | 240 | Review value captured as stated in the Note. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-Material variance due to review using principal balance from the VOM vs the credit report. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.02% | 45.04% | Approved DTI 44.02%, Review DTI 45.04%. Variance is due to PMI amount used on the first lien. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.14% | 42.86% | 42.86% DTI vs lender 1008 43.824% vs tape 44.14%. Variance is rounding. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Loan amount is $XXX. Tape value is from prior LE. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | LTV/CTLV is based on verified value and most current first lien balance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | LTV/CTLV is based on verified value and most current first lien balance. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.06% | 41.06% | Variance of 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.16% | 39.02% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.72% | 42.89% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.64% | 33.14% | Approved DTI 35.85%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.48% | 41.18% | Variance < 3% is non-material.<br>|
| XXXX | XXXX | Representative Credit Score | 758 | 760 | FICO per CBR of primary wage earner is 760, as required per guidelines. Tape is B2 middle credit score. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Tape is the initial approved loan amount. Review is the final approved loan amount as per approval and Note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review matches to the 1008. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review matches to the 1008. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.26% | 44.94% | Approved DTI 44.05%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.63% | 40.48% | Approved DTI 40.47%, variance < 3% due to rounding in non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.49% | 43.70% | Approved DTI 44.02%, variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is based on the outstanding principal balance from the VOM. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.44% | 42.82% | Non-Material variance less than 1%. |
| XXXX | XXXX | Original Interest Rate | 10.2500% | 9.0000% | Interest rate is 9% per note. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.00% | 43.97% | Approved DTI 44.97%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.00% | 37.60% | Approved DTI 38.39%, variance < 3% is non-material. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Data Tape is original application amount. Tape is the note amount. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value calculated using the loan amount and the appraisal value. Source of tape is unknown. Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.59% | 47.46% | Approved DTI 47.10%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured as stated in the appraisal. Tape is the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.37% | 32.11% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.54% | 36.63% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value matches to the 1008. Source ot tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.00% | 40.50% | Approved DTI 42.51%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 15.99% | 24.57% | Approved DTI 26.31%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, variance < 1% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.44% | 45.65% | Approved DTI 47.61%, variance < 3% is non-material (Max 50%). |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Review value captured as per the Note. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.42% | 44.39% | Approved DTI 44.07%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured from the AVM. Tape was the estimated value at application. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per Note. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 2% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value matches to the 1008. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.57% | 34.50% | Approved DTI 34.53%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.36% | 44.42% | 44.42% vs lender 1008 40.36%. Variance is slightly higher back debt. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.45% | 38.17% | Approved DTI 38.00%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.71% | 20.63% | Variance < 1% is non-material. |
| XXXX | XXXX | Representative Credit Score | 742 | 766 | Credit scores are 742 and 766. Per guideline, the primary wage earner's credit score is the representative score - both borrowers earn the same amount. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.90% | 42.30% | Approved DTI 43.26%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 706 | 712 | 712 FICO is mid score of primary wage earner. Tape is the lower of the two borrowers middle credit scores. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.39% | 37.11% | Approved DTI 38.263%, Variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Approved LTV XXX%, non-material variance due to rounding. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, variance < 1% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 755 | 750 | Borrowers mid score is 750. No 755 on CBR. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured from the AVM. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.87% | 37.64% | 37.64% vs lender 1008 37.64% - variance is rounding. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.25% | 35.97% | Approved DTI 38.37%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 722 | 733 | Borrowers qualified with the same income. Tape is the lower of both borrowers middle credit scores. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, non-material variance due to rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.49% | 42.58% | Approved DTI 43.035%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.23% | 26.28% | Approved DTI 25.549%, variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.19% | 17.84% | 17.84% vs lender 1008 17.84% vs tape 18.88%. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.45% | 43.01% | Bonus income added for qualifying. Approved DTI 42.707%, variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | XXX% LTV Using appraised value of $XXXX per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% LTV Using appraised value of $XXX per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 13.42% | 15.07% | Within tolerance of final approval DTI of $15.331%. Missing documentation of new debt expense. |
| XXXX | XXXX | Representative Credit Score | 767 | 786 | 786 Is the representative score of the primary wage earner as required per guidelines. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value $355K per appraisal on page 11. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV XXX based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.43% | 48.23% | 48.23% vs lender 1008 47.435% - Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV XXX% vs XXX% - variance is rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.64% | 43.79% | 43.79% vs lender 1008 44.64% - variance is rounding. Lender included (Creditor) payment, paid off. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.22% | 41.69% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.77% | 26.75% | Non material variance |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | XXX% vs XXX% - variance is rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.26% | 40.27% | 40.27% vs 40.26% - variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.20% | 43.80% | non-material variance |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV XXX% based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV XXX% based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.48% | 35.93% | Non-material variance |
| XXXX | XXXX | Representative Credit Score | 711 | 720 | FICO 720 is mid score of primary wage earner. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.79% | 38.86% | Approved DTI 38.29%, variance is non-material. |
| XXXX | XXXX | Representative Credit Score | 771 | 777 | Review value is the primary wage earner middle credit score. Tape is B1 middle credit score. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. Tape is the estimated value. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.05% | 39.73% | Approved DTI 39.92%, Variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, non-material variance due to rounding. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.00% | 41.32% | Approved DTI 42.88%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | UW Doc Type is full underwrite per file docs. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Sourcce of tape is unknown, Doc type verified per file. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 0.34% | 33.23% | Non-material variance/Formatting. 1008 reflects 32.079%. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Doc type verified as full doc, source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.41% | 40.31% | Approved DTI 39.457%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Source of tape is unknown, loan approved as 24 mth Bank Statement. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value is the appraisal value. Tape is the estimated value. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.30% | 33.18% | Missing approval/1008. Lock reflects DTI 33.17%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Doc type verified as full doc. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Subject is a PUD, as per title. Source of tape is unknown. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Review value captured as stated in the Note. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.44% | 44.35% | Approved DTI 44.44%, variance < 3% is non-material. Tape value variance appears to be due to rounding. |
| XXXX | XXXX | Representative Credit Score | 719 | 731 | Middle credit score 731. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.39% | 35.22% | Approved DTI 35.77%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.31% | 29.61% | 29.61% vs lender 1008 30.60% - variance is rounding. Tape is formatting error. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.28% | 27.98% | 27.98% DTI vs lender 1008 27.99% - variance is rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.31% | 29.13% | 29.13% DTI vs 29.13% lender 1008 - variance is rounding. Tape is formatting error. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.36% | 35.17% | Approved DTI 35.575%, variance < 3% is non-material. Tape variance appears to be due to rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance of 1.09% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX0%, variance < 1% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.34% | 44.90% | Approved DTI 45.014%, variance < 3% is non-material (Max 50%). |
| XXXX | XXXX | Representative Credit Score | 735 | 748 | Review value is the primary wage earner middle credit score, as required per guidelines. Tape is the lower middle score of both borrowers. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value is the AVM value. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.45% | 45.20% | 44.85% vs lender 1008 44.83% vs tape 45%. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.38% | 37.61% | 37.61% vs lender 1008 42.55% vs tape 38%. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.41% | 39.55% | 39.55% vs lender 1008 41.003% vs tape 41%. Variance is rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.36% | 34.25% | 34.25% vs lender 1008 34.25% vs tape 36%. Variance is rounding. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV XXX% based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.46% | 44.56% | 44.56% vs lender 1008 44.90% vs tape 46%. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.34% | 33.01% | 33.01% vs lender 1008 33.03% vs tape 34%. Variance is rounding. |
| XXXX | XXXX | Representative Credit Score | 785 | 792 | Mid score of wage earner is 792 per CBR. Tape is lowest score. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.27% | 31.29% | 31.29% vs lender 1008 27.814% vs tape 27%. Variance is due to lender not including TI in debt qualification. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.42% | 40.69% | 40.69% vs lender 1008 42.21% vs tape 42%. Variance from lender monthly taxes higher than tax statement. |
| XXXX | XXXX | Representative Credit Score | 764 | 776 | Borrower mid score is 776 per CBR. Tape source unknown and not reflected on credit report. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.38% | 39.47% | Approved DTI 39.19%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 752 | 760 | 760 FICO is primary wage earner mid score vs tape of lowest mid score. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.27% | 28.29% | Approved DTI 28.62%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Self-employed borrower with one year tax return is not meet full doc definition. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLT based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.45% | 39.05% | Approved DTI 36.12%, variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.09% | 18.86% | Tape data is null, Lender approved DTI per 1008 19.11%. Review DTI 18.86%. Variance is non-material. |
| XXXX | XXXX | Representative Credit Score | 804 | 813 | Mid FICO is 813 per CBR. No FICO of 804 - source unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal - tape source is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the 1008/Approval (p23/32) the LTV is XXX%. No variance to approved LTV, tape value inaccurate. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the 1008/Approval (p23/32) the CLTV is XXX%. No variance to approved LTV, tape value inaccurate. |
| XXXX | XXXX | Total Debt to Income Ratio | 0.37% | 40.75% | Per the 1008/Approval (p23/32) the DTI is 41.140%. Nonmaterial variance, due to 1st mortgage P&I discrepancy. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per the appraisal p431 the appraised value is $652,000. Tape value is inaccurate. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Note balance verified per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.79% | 44.33% | 44.33% vs lender 1008 44.98% vs tape 44.79%. Variance is rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.52% | 42.36% | 42.36% vs lender 1008 43.55% vs tape 44.52%. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.74% | 40.64% | 40.64% vs lender 1008 40.70% - variance is rounding. Tape source unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.10% | 37.14% | 37.14% vs lender 1008 37.18% vs tape 37.10% - Variance is rounding. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value $975K verified on appraisal (page 336). |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.09% | 44.26% | 44.02% vs lender 1008 43.90% vs tape 42.09%. Variance is rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.24% | 47.87% | 47.87% vs lender 1008 39.72% vs tape 39.24%. Variance in net rental income of lender $1782.92 vs review (145.98). |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.32% | 44.98% | 44.98% vs lender 1008 42.32%. Variance is $150 in consumer back debt. Lender calculated less than review - source unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value agrees with the approval. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, variance is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.91% | 42.98% | Approved DTI 43.16%, variance < 3% is non-material. Tape source unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value per appraisal on page 592. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.63% | 43.64% | 43.64% vs lender 1008 43.63% - Variance is rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Loan amount $XXX/appraised value $XXX = XXX%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Loan amount $XXX+1st mtg balance $XXX (p274) = XXX/appraised value $XXX =XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.29% | 21.49% | Non material variance to approved DTI 25.108, resulting from lender including escrows in 1st mortgage payment |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | 12-mo Bank Statement-Business | Loan is qualified using 12 months business bank statements (Lock p1) |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value based on valuation product provided. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.18% | 49.78% | Non-Material variance due to review calculating a slightly lower income. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.77% | 44.61% | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 32.16% | 32.65% | 32.65% vs lender 1008 32.16% - variance is rounding.<br>|
| XXXX | XXXX | Representative Credit Score | 802 | 803 | 803 FICO is mid score of primary wage earner; Tape is lowest mid score. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Per the 1008 p1/Approval p3, the LTV is XXX%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Per the 1008 p1/Approval p3, the CLTV is XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.05% | 34.72% | No variance, approved DTI 34.716% p1/3 |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per the appraisal, the value is $970,000 (p367). Tape value is the initial estimated value (p137) |
| XXXX | XXXX | Total Debt to Income Ratio | 41.32% | 41.00% | 41% vs lender 1008 41.32%. Variance is rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.33% | 33.38% | 33.38% vs lender 33.33% - Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based appraised value and current loan values. Variance < 1% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.39% | 43.95% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 16.86% | 17.79% | Non-material variance |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 42.85% | 42.85% vs lender 1008 43.58% vs tape 45%. Variance is rounding. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 17.00% | 14.58% | Source of tape is unknown. Review DTI 14.58%, lender approved DTI per 1008 14.58% |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.89% | 39.98% | Non material variance. 1008 received 3/28/2025 reflects DTI 39.926%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.96% | 43.02% | Source of tape is unknown. <br>Review DTI 43.02% vs lender 1008 43.96% - variance is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.04% | 32.75% | 32.75% vs lender 1008 32.965% - Variance is rounding. Tape source unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified on appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.32% | 21.82% | 21.82% vs lender 1008 19.489% and tape 20.32%. Variances are due to lender omission of monthly flood insurance of $146.83 and review included a 5% payment on open XXX of $XXX due to large outstanding balance. DTI remains well within acceptable guideline range. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.66% | 41.25% | 41.25% vs lender 1008 41.299% - variance is rounding. Tape source unknown. |
| XXXX | XXXX | Representative Credit Score | 752 | 765 | 765 FICO is mid score of primary wage earner and tape value is lowest mid score. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. Variance is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.71% | 41.16% | Approved DTI 41.16%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal value verified $730K page 308. Tape is the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.98% | 36.88% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 42.54% | Approved DTI 42.75%, variance < 3% is non-material. Tape value unknown source. |
| XXXX | XXXX | Representative Credit Score | 738 | 749 | 749 FICO is mid score of primary wage earner; tape is lowest mid score. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.58% | 28.88% | Approved DTI 29.11%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.70% | 42.34% | Non-material variance |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 41.46% | 43.44% | Approved DTI 43.439%, non-material variance due to rounding. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.62% | 33.07% | Approved DTI 33.14%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.76% | 26.69% | Approved DTI 26.706%, variance < 3% is non-material. Tape source unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. Approved CLTV XXX%, variance is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.39% | 44.35% | Approved STI 44.35%, no variance. Tape source unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value $525,977 verified per AVM page 411. Tape is the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.68% | 38.36% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.30% | 28.95% | 28.92% vs lender 1008 31.11% vs tape 32.30%. Variance is rounding. |
| XXXX | XXXX | Representative Credit Score | 809 | 771 | 771 is mid score of primary wage earner. Tape FICO is from CBR dated 11/19/2024 vs current 1/27/2025. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value $795K verified per appraisal page 422. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.59% | 44.56% | 44.56% vs lender 1008 44.86% - variance is rounding. Tape source unknown. |
| XXXX | XXXX | Representative Credit Score | 681 | 686 | 686 is mid score of primary wage earner; Tape is FICO from 12/3/2024 and 686 is from 1/17/2025. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.64% | 35.55% | 35.55% vs lender approved 35.64%. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.94% | 44.85% | 45.57% vs lender approved 44.87% vs tape 44.94%. Variance is rounding. |
| XXXX | XXXX | Original Interest Rate | 8.5000% | 8.0000% | Original rate verified per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.53% | 45.26% | Source of tape is unknown. Review DTI 45.26% vs lender 1008 49.50%. Variance is due to lender using PI on 1st lien of $1887.31 vs $1798.40 as verified per note and current mtg statement, pages 300/314. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value $660,956 verified from AVM on page 319. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.27% | 38.48% | 38.48% vs lender approved 38.27%. Variance is rounding. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value $640,500 verified per appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.13% | 16.44% | 16.44% approved DTI. Variance is rounding. |
| XXXX | XXXX | Appraised Value | XXX | XXX | $701,900 appraised value verified per AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.99% | 37.42% | 37.42% approved DTI - Variance is rounding. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Loan amount on Data Tape is per Application. Loan amount was changed prior to closing. |
| XXXX | XXXX | Original Interest Rate | 9.5000% | 9.1250% | Rate on Data Tape is per Application and Initial Rate lock. Rate was lowered prior to closing. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.10% | 42.17% | 42.17% approved DTI; 41.70% lender 1008 - variance is rounding. Tape source unknown. |
| XXXX | XXXX | Representative Credit Score | 747 | 787 | 787 FICO is mid score of primary wage earner; tape is lowest mid score. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 21.80% | 24.35% | 1008 reflects DTI as 24.348% (p25). Non material variance. Tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.71% | 40.18% | 40.18% approved DTI - variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loa values. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.23% | 28.69% | 28.69% approved DTI; Variance is rounding. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | Doc Type considered as Full/Alt as only 1 yrs income documentation was required. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.58% | 37.70% | 37.70% approved DTI vs lender 39.73%. Variance is due to a difference in net rental income and lender used a higher HOA for subject property $76 s/b $51.33. DTI is within guideline limitation. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.25% | 41.42% | 41.42% approved DTI. Variance is rounding. |
| XXXX | XXXX | Representative Credit Score | 714 | 744 | 744 FICO is mid score of primary wage earner. Tape is lowest mid score. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.76% | 39.59% | 39.59% approved DTI. Tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.25% | 37.26% | 37.26% approved DTI - variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.33% | 40.09% | 40.09% approved DTI - Variance is rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.00% | 42.40% | Approved DTI 42.40%. Tape source unknown. |
| XXXX | XXXX | Representative Credit Score | 752 | 757 | 757 FICO is mid score of primary wage earner. Tape is lowest mid score. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value agrees with the 1008. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.61% | 36.91% | Approved DTI 36.791%, variance is non-material. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured from the appraisal. Tape is the estimated value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 18.93% | 36.60% | Approved DTI 39.838%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review value matches to the 1008. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review value matches to the 1008. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.46% | 41.84% | Variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value captured per the appraisal. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.00% | 26.32% | Approved DTI 26.472%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV 80%, variance is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.35% | 36.97% | Approved DTI 35.898%, variance < 3% is non-material. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Original note balance verified per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraisal and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraisal and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 2.54% | 2.40% | 2.40% approved DTI - variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.99% | 38.90% | Source of tape is unknown. Approved DTI per 1008 38.90% matches review DTI. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.08% | 29.69% | 29.69% approved DTI matches review DTI; Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 738 | 739 | FICO 739 is mid score of primary wage earner - tape is lowest mid score. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.68% | 36.61% | 36.61% approved DTI - variance is rounding. |
| XXXX | XXXX | Appraised Value | XXX | XXX | 5,400,000 appraised value verified per appraisal.<br>|
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.09% | 43.37% | 43.37% approved DTI - tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.87% | 44.14% | Approved DTI 44.87%, review DTI 44.14%, non-Material variance. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 737 | 778 | 778 is mid score of primary wage earner and tape is lowest mid score. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.10% | 44.08% | 44.08% approved DTI - Tape source unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per AVM value. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.34% | 39.27% | 1008 reflects DTI 39.271%. Non material variance from approved DTI. Unable to determine the source of the tape value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.37% | 42.15% | 42.15% approved DTI - variance is rounding. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal and Mortgage, property type is a PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.59% | 44.78% | Non-material variance |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value is $554,000, however acquisition cost of $528,981 was used. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.06% | 32.46% | Approved DTI per 1008 30.78%, Review DTI 32.46%, variance is less than 3% and considered non-material. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape reflects the initial stated value at application. Review value $645,560 verified per AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.51% | 28.03% | Review DTI matches approved DTI of 28.03% per the 1008. Tape source unknown. |
| XXXX | XXXX | Representative Credit Score | 711 | 722 | 722 FICO is mid score of primary wage earner - tape is lowest mid score. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.40% | 36.72% | Approved DTI 33.39%, Review DTI 36.72%. Variance is due to lender utilizing incorrect expense factor. DTI remains within approved limit per guidelines. |
| XXXX | XXXX | Representative Credit Score | 712 | 735 | 735 is borrowers mid score - tape source is unknown. |
| XXXX | XXXX | U/W Doc Type | Full | 12-mo Bank Statement-Business | 12-mo Bank Statmeent Business doc type verified per file documentation. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.51% | 39.55% | Non-material variance less than 3%. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.95% | 38.14% | Approved DTI per 1008 28.30%, Review DTI 38.14%. Non-Material variance. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 751 | 769 | 769 FICO is mid score of primary wage earner. Tape is lowest mid score. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is due to tape value being based on stated value at the time of application. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.42% | 44.41% | Variance is due to tape value being based on stated value at the time of application. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.71% | 42.65% | 42.65% approved DTI. Tape source unknown. Lender DTI is less due to what appears to be omission of HOA fees on XXX. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.99% | 43.62% | 43.62% approved DTI - Variance is rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.48% | 41.98% | Variance is less than 1% and considered non-material. |
| XXXX | XXXX | Amortized Original Term | 180 | 360 | Amortization verified as 360/30 years per note. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.36% | 42.07% | Variance is less than 1% and considered non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.65% | 42.26% | Source of tape is unknown. Review DTI matches the approved DTI per the 1088. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.93% | 32.89% | Review DTI 32.89%, Approved DTI 34.36%. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 15.24% | 34.94% | Review DTI 34.94%, Approved DTI per 1008 37.13%, Tape source is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.70% | 33.67% | Review DTI of 33.67% matches the approved DTI per the 1008. Tape source unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per Appraisal value of property stated as $3,753,000. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.78% | 44.96% | Approved DTI 44.78%, Review DTI 44.96% - Variance is non-material. |
| XXXX | XXXX | Representative Credit Score | 745 | 752 | Primary wage earner mid fico 752. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Data Tape is original application amount. Final Note amount is $XXX |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.02% | 36.73% | 36.73% approved DTI - Variance is rounding. |
| XXXX | XXXX | Representative Credit Score | 737 | 742 | 742 fico is mid score of primary wage earner and tape is lowest mid score. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.01% | 44.65% | Non-Material variance less than 1%. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per appraisal on page 323, PUD rider 48. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.31% | 31.48% | Approved DTI per 1008 31.30, Review DTI 31.48, non-material variance less than 1%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.99% | 27.36% | 27.36% approved DTI - Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance 0.21% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.00% | 37.07% | Approved DTI 38.347%, Variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.84% | 33.82% | Non-Material variance less than 1%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.62% | 25.63% | 25.63% approved DTI - Tape source is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.65% | 42.16% | Source of tape is unknown. Approved DTI per 1008 42.30, Review DTI 42.16. Non-Material variance less than 1%. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.59% | 24.72% | 31.56% approved DTI. Review DTI 24.72%, Source of tape is unknow. Variance is due to lender using PI on first lien of $5641 that s/b $3639.10. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type of PUD - Detached verified per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.52% | 30.36% | <br>30.35% DTI vs lender 38.22%. Variance is due to lender using PI payment of $1797 that includes the TI plus additional TI of $256.21 and $431.03. PI s/b $1085.22. Lender also inclused an other fee of $377 - unknown source. Full subject PITI payment should be $1085.22 first lien plus $928.12 second lien plus $431.03 taxes plus $256.21 insurance plus $25 HOA plus $138.64 MI on 1st lien for a total of $2864.23 vs lender $3814.36. |
| XXXX | XXXX | Total Debt to Income Ratio | 17.93% | 18.20% | 18.20% approved DTI - Variance is rounding. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.65% | 29.49% | Approved DTI per the 1008 30.22%, Review DTI 29.49%. Variance is is less than 1% and is considered non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.29% | 43.05% | Source of tape is unknown. Approved DTI per 1008 44.68%. Review DTI 43.05%, Non-material variance less than 2%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Representative Credit Score | 794 | 809 | 809 FICO is mid score of primary wage earner vs lowest mid score. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.84% | 37.62% | 37.62% approved DTI - Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.64% | 42.54% | 42.54% approved DTI. Variance is slight difference in OT calculated at 2859 vs lender 2990. DTI remains within approved guideline. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.68% | 21.45% | 21.45% approved DTI - Variance is non-material. |
| XXXX | XXXX | Amortization Type | Buy Down | Fixed Rate | Source of tape is unknown, Amortization type verified per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.98% | 39.93% | Approved DTI per 1008 42.63%, Review DTI 38.82%. Variance is due to amount for 1st lien PI used to qualify. Review used amount per most current statement in file. |
| XXXX | XXXX | Representative Credit Score | 774 | 783 | 783 FICO is mid score of primary wage earner. Tape is lowest mid score. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal (Page 350) states a value of $XXX. Tape source is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.54% | 34.92% | Tape source unknown. Approved DTI per 1008 35.26%, Review DTI 34.92% approved DTI. Review variance is less than 3% and considered non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value per AVM - tape source unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.45% | 35.54% | Non-Material variance less than 1%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.82% | 32.86% | Non-Material variance less than 1%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.24% | 27.57% | Tape source is unknown. 27.57% approved DTI per 1008. Review DTI matches approved DTI. No variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. Tape source is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.74% | 41.57% | Tape source unknown. Approved DTI per 1008 42.14%, Review DTI 41.57%. Non-Material variance. |
| XXXX | XXXX | Representative Credit Score | 719 | 724 | 724 FICO is mid score of primary wage earner; tape is lowest mid score. |
| XXXX | XXXX | Appraised Value | XXX | XXX | 1008 reflects value of $XXX. Value per AVM (Page 567) $XXX. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.98% | 31.87% | Source of tape is unknown. Approved DTI per 1008 32.06%, Review DTI 31.87%. Non-material variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on AVM value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.00% | 34.20% | Tape source unknown. Approved DTI per the 1008 34.03%, Review DTI 34.20%. Non-Material variance less than 3%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per AVM. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.70% | 25.58% | Tape source unknown. Approved DTI per 1008 25.58% which matches the review calculated DTI. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.07% | 49.69% | Approved DTI 49.07%, Review DTI 49.69%. Variance is less 1% and considered non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.34% | 44.33% | 44.33% approved DTI - variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.81% | 43.52% | Source of tape is unknown. Approved DTI per 1008 44.76, Review DTI 43.52%. Non-material variance less than 3%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review value is per the appraisal. Lender used lessor value from purchase in XXX to be conservative for LTV/CLTV. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.35% | 42.61% | Approved DTI per 1008 42.39%, Review 42.61%. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.33% | 42.56% | Approved DTI 42.33%, Review DST 42.56%, Variance is less than 3% and considered non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.27% | 16.31% | 15.54% approved DTI - Variance is rounding. |
| XXXX | XXXX | Representative Credit Score | 809 | 817 | 817 is mid score of primary wage earner. Tape is lowest mid score. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.15% | 35.10% | Approved DTI per 36.99%, Review DTI 35.10%. Tape source unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.20% | 31.71% | Approved DTI per the 1008 31.72% matches review calculated DTI. Tape source is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.95% | 31.36% | Source of tape is unknown. <br>Approved DTI per the 1008 32.18%, Review DTI 31.26%. Non-Material variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.24% | 44.23% | 44.23% approved DTI - variance is rounding. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.46% | 37.99% | Approved DTI per the 1008 37.61%. Review DTI 37.99% - tape source unknown. |
| XXXX | XXXX | Representative Credit Score | 716 | 727 | Fico 727 is mid score of primary wage earner - tape is lowest mid score. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.07% | 37.37% | Source of tape is unknown. Approved DTI per the 1008 37.37% which matches review DTI. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Property Type | Single Family - Detached | Condo | Per Appraisal and HOA documents, property type is Condo. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.47% | 23.60% | Source of tape is unknown. Approved DTI per the 1008 21.72%. Review DTI 23.60%. Non-Material variance les than 3%. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type per Mortgage and Appraisal is PUD - Detached. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.32% | 42.88% | Source of tape is unknown. <br>Approved DTI per 1008 42.42%, Review DTI 42.88%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.95% | 41.02% | Approved DTI per 1008 40.22%, Review DTI 41.02%. Tape source is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.22% | 32.35% | Review DTI 32.35%, Approved DTI per 1008 32.35%. No variance. Tape source unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Attached | Per Mortgage and Appraisal, property type is PUD - Attached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 21.34% | 21.68% | Approved DTI per the 1008 21.68%. No variance to review DTI. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.27% | 35.97% | Review and 35.97% approved DTI per the 1008. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLV based on apraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.53% | 44.47% | 44.47% approved DTI. Variance is rounding. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Attached | Per Mortgage and Appraisal, property type is PUD - Attached. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.25% | 43.45% | 43.45% approved DTI. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.04% | 20.60% | 20.60% approved DTI. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.55% | 39.34% | 39.34% approved DTI. Variance is due to lender including PITI and then added tax and insurance in subject property, so TI was in total payments twice. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 12.76% | 16.97% | Tape source unknown. Review DTI 16.97%, Approved DTI per the 1008 17.85%. Variance between review and approved DTI is non-material. |
| XXXX | XXXX | Original Interest Rate | 10.6250% | 9.7500% | Original rate verified per note. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.71% | 28.29% | 28.29% approved DTI, no variance. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 15.43% | 28.72% | Approved DTI per the 1008 29.33%, Review DTI 28.72% approved DTI. Non-material variance. Tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.19% | 40.18% | Approved DTI per the 1008 40.26%, Review DTI 40.18%, Source of tape is unknown. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Note balance per signed Note in file. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.25% | 43.18% | 43.18% approved DTI. Variance is rounding. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value per Appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.69% | 47.79% | Approved DTI per the 1008 48.84%, Review DTI 47.79%. Variance is non-material. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.49% | 42.65% | 42.65% approved DTI. Variance is rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.68% | 33.73% | 33.73% approved DTI. Variance is rounding. |
| XXXX | XXXX | Representative Credit Score | 712 | 746 | 746 is highest mid score of both and 712 is lowest mid score of both. Each are paid the same amount. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.97% | 43.08% | 43.08% approved DTI. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.74% | 42.30% | Non-material variance less than 1%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.53% | 37.41% | Non-material variance less than 1%. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD Property Type verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.00% | 19.16% | Tape source is unknown. Approved DTI per the 1008 19.55%. Review DTI 19.16%. Non-Material variance. |
| XXXX | XXXX | Representative Credit Score | 803 | 804 | Fico is mid score of primary wage earner. Tape is lowest mid score of both. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Original loan amount verified per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.00% | 37.87% | Non-Material variance less than 1%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value of $XXX verified per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.51% | 48.91% | 48.91% approved DTI. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.00% | 32.57% | Approved DTI 32.57%, non-material variance appears to be due to rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.03% | 30.18% | Source of tape is unknow. Approved DTI per 1008 29.63%. Review DTI 30.18. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is less than 1% - non material |
| XXXX | XXXX | Total Debt to Income Ratio | 42.88% | 42.87% | Variance is less than 1% - non material |
| XXXX | XXXX | Representative Credit Score | 734 | 750 | Tape reflects the mid FICO for B1. Reviewed value on primary wage earner per GL's. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.99% | 44.98% | Variance < 3% is non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Attached | PUD Attached property type verified per appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review Value matches to the loan approval. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.00% | 37.15% | Approved DTI 37.15%, no variance. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. Tape is the estimated value. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.52% | 49.22% | Approved DTI 49.758%, variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review Value matches to the approved CLTV. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.29% | 41.89% | Approved DTI 41.887%, non-material variance due to rounding. Tape source unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Approved LTV XXX%, non-material variance due to rounding. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, non-material variance due to rounding. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 22.17% | 24.13% | Approved DTI 24.171%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 776 | 774 | Approved FICO 774. Tape source is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.34% | 40.53% | Approved DTI per 1008 is 40.53% which matches review DTI. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.49% | 49.88% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used 1st lien balance from Mtg St at review. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.53% | 43.42% | Non-material variance less than 1%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.10% | 44.65% | Tape reflects initial approved DTI. Revised final DTI 44.65% matches review DTI. No variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.90% | 39.69% | Variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 734 | 748 | 748 is mid score of primary wage earner. Tape is lowest mid score of both borrowers. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.36% | 42.74% | Approved DTI 43.369%, variance < 3% is non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Subject is a PUD per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Approved LTV XXX%, variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, no variance. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 17.53% | 17.38% | Approved DTI 17.378%, non-material variance is due to rounding. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.30% | 37.23% | 37.23% approved DTI. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.16% | 39.35% | Approved DTI 38.65%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.56% | 41.52% | Approved DTI 44.090%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-Material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.15% | 36.49% | Non-Material variance less than 3%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.59% | 37.42% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.33% | 19.60% | Approved DTI 19.605%, no variance. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 804 | 816 | 816 is mid score of primary wage earner. Tape is mid score of other borrower. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.49% | 32.86% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.00% | 36.85% | Variance is non-material. |
| XXXX | XXXX | U/W Doc Type | Full | 12-mo Bank Statement-Business | UW Doc type verified per lender loan approval and file documentation. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 43.94% | 43.53% | Non material variance < 3% (Max 45%). |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD Detached verified per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.72% | 40.54% | Approved DTI 38.158%, variance < 3% is non-material (45% Max). |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per the appraisal, the subject is a detached PUD. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 44.34% | 44.24% | Approved DTI 43.519%, variance < 3% is non-material (Max 45%). |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XX%, variance is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.62% | 48.29% | Variance < 3% is non-material (Max 50%). |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.95% | 35.09% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.30% | 42.38% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.63% | 42.90% | Variance < 3% is non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD detached verified per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Approved LTV XXX%, no variance. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, no variance. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.16% | 42.49% | Approved DTI 43.212%, variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.84% | 39.67% | Variance is non-material. |
| XXXX | XXXX | Representative Credit Score | 755 | 756 | Fico is mid score of primary wage earner. Tape is lowest mid score of other borrower. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.33% | 35.44% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien. |
| XXXX | XXXX | Total Debt to Income Ratio | 14.81% | 32.43% | Tape source unknown. 1008 and approval reflect DTI of 32.43%. |
| XXXX | XXXX | Representative Credit Score | 805 | 806 | Used middle score of primary wage earner |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source unknown. Value based on AVM and value of $XXX |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.85% | 35.86% | Non-material variance less than 1% |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source unknown - 1008 & AVM verify value of $XXX. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.09% | 39.93% | 39.93% approved DTI. Variance is rounding. |
| XXXX | XXXX | Representative Credit Score | 689 | 718 | Fico is mid score of primary wage earner. Tape is lowest mid score of both. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.00% | 43.36% | Source of tape is unknown. Approved DTI per 1008 42.17%, Review DTI 43.36%. Variances is less than 3% and considered non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | LTV/CTLV is based on verified value and most current first lien balance. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.26% | 49.02% | Tape reflects the initial approved DTI. Lender revised DTI 49.31%. Review DTI 49.02%. Loan qualifies for DTI up to 50%. |
| XXXX | XXXX | Representative Credit Score | 795 | 790 | Representative score is 790 for B1. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.87% | 36.28% | Source of tape is unknown. Approved DTI per the 1008 36.33%. Review DTI 36.28%. Non-Material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.89% | 36.46% | Approved DTI 36.459%, variance is non-material. Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 743 | 741 | Tape source unknown. Used middle score of primary wage earner, which matches to the loan approval. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.08% | 42.24% | Non-material variance less than 1%. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.45% | 38.64% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Approved LTV XXX%, no variance. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, variance is non-material. Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 8.21% | 44.14% | Approved DTI 44.14%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review Value is the appraisal value. Source of tape is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Pud detached verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.56% | 41.82% | Non-Material variance less than 2%. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.88% | 34.06% | Source of tape is unknown. Approved DTI per the 1008 33.02%, Review DTI 34.06%. Non-Material variance less than 3%. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.98% | 28.16% | Tape source is unknown. 28.16% approved DTI per 1008 matches review calculated DTI. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.95% | 39.25% | Tape source is unknown. Review DTI matches the 39.25% approved DTI per the 1008. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD Detached verified per HOA, PUD Rider and 1008. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.28% | 41.08% | Tape source is unknown. Approved DTI per the 1008 41.11%. Review DTI 41.08%. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.36% | 32.19% | Non-Material variance less than 1%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.11% | 40.26% | Tape source is unknown. Approved DTI per the 1008 40.26%, Review DTI 40.26%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Original note balance verified per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of tape is unknown. OLTV based on appraised value and current loan value matches final 1008. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of tape is unknown. OCLTV based on appraised value and current loan values matches final 1008. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.89% | 25.75% | Non-Material variance less than 1% |
| XXXX | XXXX | Representative Credit Score | 795 | 807 | FICO is mid score of primary wage earner. Tape is lowest mid score of both borrowers. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.87% | 38.40% | Source of tape is unknown. Approved DTI per 1008 32.31%, Review DTI 38.40%. Review DTI 38.40%. Variance is due to lender not including TI of $994.74 on REO property and inclusion of Solar Debt of $407/mo. DTI within allowable guideline parameter. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.78% | 43.68% | Approved DTI 44.78%, Review DTI 43.68%. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value nad current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.36% | 20.29% | Tape source is unknown. Approved DTI per the 1008 20.08, Review DTI 20.29%. Variance is non-material. |
| XXXX | XXXX | Representative Credit Score | 739 | 747 | 747 is mid score. Tape source is unknown. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Original note amount verified per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.54% | 34.31% | Source of tape is unknown. Approved DTI per 1008 35.67%. Review DTI 34.31%. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.28% | 36.73% | Approved DTI 44.28%, Review DTI 36.73%. Variance is due to lender including the taxes and insurance in the first lien P&I and in the subject loan. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Semi-Det/End Unit, as per appraisal. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.02% | 26.11% | Tape source unknown. Approved DTI per the 1008 26.11% matches review DTI. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.69% | 35.63% | Tape source unknown. Approved DTI per the 1008 36.79%, Review DTI 35.63%. Variance is non-material. |
| XXXX | XXXX | Representative Credit Score | 683 | 692 | FICO is mid score of primary wage earner. Tape is lowest mid score of both borrowers. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.38% | 25.37% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.87% | 30.24% | 30.24% approved DTI. Variance is rounding. |
| XXXX | XXXX | Representative Credit Score | 730 | 771 | FICO is mid score of primary wage earner. Tape is lowest mid score of both borrowers. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, non-material variance is due to rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.45% | 31.38% | Approved DTI 31.379, non-material variance due to rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on AVM value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.22% | 43.01% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.36% | 23.37% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of tape value unknown. Review LTV matches LTV from the 1008. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of tape value unknown. Non-Material variance. Approved CLTV XXX% review CLTV XXX% based on current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 48.87% | 49.00% | Approved DTI 49.40%, variance < 3% is non-material (50% Max). Source of tape is unknown. |
| XXXX | XXXX | Representative Credit Score | 736 | 720 | Source of tape is unknown, Mid fico for primary wage earner verified per credit report dated 3/4/2025. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.06% | 46.05% | Source of tape is unknown. Approved DTI 48.552%, variance < 3% is non-material (Max 50%). |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of tape value is unknown. Non-Material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.64% | 39.06% | Recalculated income slightly lower. DTI still within guidelines. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.51% | 16.25% | Approved DTI 16.249%, non-material variance is due to rounding. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.28% | 30.29% | Non-material variance < 3% due to rounding. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Title Commitment and HOA Bill, property is a PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 13.29% | 32.63% | Approved DTI 35%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.70% | 43.76% | Approved DTI 43.757%, non-material variance is due to rounding. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variane is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.52% | 30.38% | Approved DTI 30.381%, no variance. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.90% | 21.07% | Revised 1008 DTI 20.016%, variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.20% | 39.05% | Variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.06% | 40.01% | Approved DTI 40.060%, variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.46% | 41.93% | Approved DTI 44.886%, variance < 3% is non-material. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Slight variance is due to review using most current PB from the first lien as documented per the XXX mth statement. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.08% | 43.19% | Variance is less than 1% and considered non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.69% | 42.48% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.93% | 42.72% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Lender used balance of 1st mortgage from credit report dated XXX. Review used balance from statement dated XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.21% | 40.23% | Non-material variance less than 1%. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal property type is PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.17% | 49.97% | Approved DTI 49.974%, no variance. Source of tape is unknown.<br>|
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.90% | 41.94% | Non-material variance less than 1% |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien. Tape value appears to be based on initial stated value of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.90% | 41.87% | Tape source is unknown. The 1008 p.1 and approval p.3 each show a DTI of 41.869%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal p.443, 1008 p.1 and approval p.3 all show value of $XXX. Tape value appears to reflect initial stated value. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.10% | 38.80% | Source of tape is unknown, 1008 reflects DTI 38.792% (p1), Review DTI 38.30%. Variance is non-material |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of variance unknown. 1008 shows the LTV as XXX%, non-material variance is due to rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of variance unknown. 1008 shows the CLTV as XXX, variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.00% | 7.46% | Source of variance unknown. 1008 shows the DTI as 7.656%, variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | The AVM in the file reflects a value of $XXX Source of tape is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.49% | 44.29% | Approved DTI 44.49%, Review DTI 44.29%. Non-material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien. Variance is non-material. |
| XXXX | XXXX | U/W Doc Type | Full/Alternate | Full | Tape source is unknown. 24 Months income documentation in file. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value is $XXX. Subject was purchased less than 12 months prior so purchase price of $XXX was used for LTV/CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.70% | 34.26% | Approved DTI 34.256%, no variance. Source of tape is unknown. |
| XXXX | XXXX | U/W Doc Type | Full/Alternate | 12-mo Bank Statement-Business | Review Value agrees with the loan approval and was validated with bank statements in file. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Lender used the 1st mortgage balance from the credit report. Review used the updated 1st balance from the W<br>VOM. Immaterial variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.85% | 42.86% | The 1008 shows the DTI as 42.856%. Immaterial variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD per appraisal and PUD rider in file |
| XXXX | XXXX | Total Debt to Income Ratio | 38.33% | 38.32% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to review using updated balance from loan activity statement in file. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.54% | 40.17% | Approved DTI 40.17%. Source of tape is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.93% | 44.10% | Approved DTI 43.601%, variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.89% | 44.84% | Non-material variance less than 1% |
| XXXX | XXXX | Representative Credit Score | 688 | 741 | Middle score of primary wage earner used per GL's. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien. Variance is non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of variance Unknown. 1008 shows a CLTV of XXX%. Source of CLTV variance from 1008 to Review CLTV due to Lender used 1st Mtg balance from credit report and review used updated balance from Mtg Stmt. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien. Variance is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of variance unknown. 1008 shows the LTV as XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of variance unknown. 1008 shows the CLTV as XXX, variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.78% | 25.83% | Approved DTI 25.831%, no variance. Source of tape is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Source of variance unknown. Review Value captured from the AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Slight variance is due to review using most recent balance for the 1st lien. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 25.83% | Source of tape is unknown. Approved DTI per the initial 1008 49.57%. Updated 1008 with corrected debts and income received reflects final DTI of 25.81%. Review DTI 25.83%. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.79% | 33.15% | Source of variance unknown, 1008 shows the DTI as 33.149%. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.70% | 42.69% | The 1008 reflects the DTI as 42.695%. Review DTI 42.69%. Non-material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Representative Credit Score | 712 | 710 | Tape source is unknown. Both the 5/10/25 and 5/29/25 credit reports list the middle score as 710. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to review using most current UPB. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.93% | 44.84% | Source of tape is unknown. Approved DTI per the 1008 44.84%. No variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.36% | 38.35% | Non-material variance less than 1%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is based on the most current UPB for the 1st lien. Variance is Non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.67% | 49.79% | Non-Material variance less than 1%. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.24% | 41.98% | Non-material variance less than 2% Used base salary from paystubs. Review base income of $9,273.33 is less than qualifying income of $10,166.66. B2 receives XXX and XXXwhich were not used at review as there is no documentation verifying 2 year history amounts. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Per the Note p49 the original balance is $XXX. Tape value appears to reflect the initial application amount (p130) |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.68% | 44.20% | Non-material variance less than 1% |
| XXXX | XXXX | Representative Credit Score | 793 | 803 | Used middle score of primary wage earner per GL's. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per the AVM, the value is $XXX (p422). Lender used the purchase price $XXX (p212) for LTV calculation (p1). Tape value appears to reflect the initial application amount (p130) |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.95% | 31.16% | Tape source is unknown. The 1008 reflects DTI of 31.196%. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | The Note p.512 shows the loan amount is XXX |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.14% | 45.00% | Tape source is unknown. The Approval p.95 and 3 1008's pages 97,126, and 127 all show DTI of 44.997%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source is unknown. Appraisal p.339 shows the value is $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | DTI variance due to Review used updated 1st mortgage balance from XXX Detailed Transaction History. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.50% | 42.81% | Reason for variance unknown. 1008 shows the DTI as 43.453%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | No variance, 1008 shows the CLTV as XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.00% | 23.15% | Reason for variance unknown. 1008 shows the DTI as 23.152%. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.67% | 35.36% | Source of tape is unknown. 1008 reflects the DTI as 35.045%. Review calculated 35.36%. Variance is less than 1% and considered non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property is PUD per PUD rider and loan approval in file |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.79% | 39.38% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.52% | 43.78% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.85% | 36.14% | Tape source unknown. Approved DTI per the 1008 38.77%. Review DTI 36.14%. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.83% | 36.88% | Non-Material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified per appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 9.04% | 27.36% | Tape source unknown. Approved DTI per 1008 27.40%, Review DTI 27.36%. Variance is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.01% | 31.32% | 31.32% approved DTI. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.63% | 41.48% | 41.48% approved DTI. Variance is due to income from VA and Retirement entered as net by lender instead of gross. (4044.91 vs 3884.51; 2270 vs 1928) |
| XXXX | XXXX | Representative Credit Score | 723 | 749 | Review value is based on primary wage earner as per guidelines. Tape reflects the lower mid fico of the borrowers. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.83% | 39.72% | Source of tape is unknown. Approved DTI per the 1008 42.20%. Review DTI 39.72%. Non-Material variance less than 3%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape reflects stated value at the time of application. Actual value verified per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.28% | 39.65% | Source of tape is unknown. Approved DTI per the 1008 is 42.90. Review DTI 39.65%. Variance is sue to lender double counting the subject taxes and insurance. Amount was included in the first lien P&I and in the subject payment. |
| XXXX | XXXX | Amortized Original Term | 360 | 240 | Source of tape is unknown. Amortization verified per note and the final CD. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.55% | 44.49% | Source of tape unknown. Approved DTI per 1008 44.49% which matches review calculation. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.63% | 38.54% | 38.54% approved DTI. Variance is rounding. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Loan amount value verified per note. |
| XXXX | XXXX | Original Interest Rate | 8.8750% | 9.0000% | Rate verified per note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV based on appraised value and current loan values. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 4.28% | 7.42% | 7.42% approved DTI. Tape source unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on appraised value and current loan values. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.13% | 39.06% | 39.06% approved DTI. Variance is rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.70% | 39.42% | Non-material variance less than 2% |
| XXXX | XXXX | Appraised Value | XXX | XXX | AVM (Page 131) states a value of $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 44.33% | 42.32% | Non-material variance less than 3% due to lender including taxes and insurance twice. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source is unknown. The Approval p.3, 1008 p.1 and appraisal p.286 all reflect value of $XXX with ownership over 12 months. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.46% | 34.92% | Approved DTI 31.46%, Review DTI 34.92%. Variances is due to the full payment on the additional purchase transaction in process not being utilized. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 17.17% | 17.27% | Non-material variance less than 1% |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraisal value is $XXX. CDA value is $XXX. Lender used reduced value from the CDA to qualify. |
| XXXX | XXXX | Original Interest Rate | 9.2500% | 9.8750% | The Note p.750 reflects interest of 9.875%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.35% | 43.10% | Non-material variance less than 1% |
| XXXX | XXXX | U/W Doc Type | Full | 12-mo Bank Statement-Business | Income docs are bank statements. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Tape source is unknown. Note verifies loan amount of XXX |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.17% | 43.57% | Non-material variance less than 2% |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source is unknown. The 1008 p.21 and approval p.322 both show value as $XXX. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Subject property is a PUD per Rider and loan approval |
| XXXX | XXXX | Total Debt to Income Ratio | 40.69% | 40.72% | Non-Material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.80% | 27.61% | Non-material variance less than 2% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.93% | 37.33% | Non-material variance less than 1% |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Subject verified to be a PUD per title w/supporting HOA documents. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.67% | 36.65% | Non-material variance less than 1% |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source is unknown. The 1008 p.68 and approval p.66 both show value is $XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.00% | 44.19% | Source of tape is unknown, Approved DTI per 1008 44.30%, Review DTI 44.19%. Non-Material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.58% | 42.29% | Non-material variance less than 1% |
| XXXX | XXXX | Total Debt to Income Ratio | 8.20% | 6.59% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.36% | 41.40% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.59% | 34.53% | Non-material variance less than 1% |
| XXXX | XXXX | Total Debt to Income Ratio | 28.75% | 34.88% | Tape source is unknown. The 1008 p.4 and approval p1 both reflect DTI of 34.883% which matches review DTI. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Updated 1008 received reflecting value of $XXX w/LTV/CLTV of XXX%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Updated 1008 received reflecting value of $XXX w/LTV/CLTV of XXX%. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.80% | 29.22% | Non-material variance less than 2% |
| XXXX | XXXX | Appraised Value | XXX | XXX | Approval and 1008 show value used as $XXX. Review used value from AVM. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.10% | 19.11% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 22.15% | 22.16% | Non-material variance less than 1% |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.61% | 41.35% | Tape source is unknown. Approved DTI per 1008 41.354%. No Variance. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.42% | 41.55% | Non-material variance less than 1% |
| XXXX | XXXX | Total Debt to Income Ratio | 39.83% | 39.46% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.21% | 41.06% | Non-material variance less than 1% |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property is a PUD per appraisal and PUD Rider in file |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.54% | 42.28% | Non-material variance less than 2% |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.61% | 35.49% | Tape source is unknow, The 1008 p.4 and approval p.1 both show DTI of 35.489% |
| XXXX | XXXX | Representative Credit Score | 756 | 789 | Used the middle score of the primary wage earner per GL's. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per Loan approval and appraisal |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.47% | 42.77% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.49% | 42.94% | Review DTI is less than approved DTI. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.78% | 42.80% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 26.21% | 28.73% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.05% | 28.56% | Non-material variance less than 1% |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type of Detached PUD verified via Appraisal and PUD rider in file |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.02% | 42.71% | Non-material variance less than 1% |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per appraisal in file. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.00% | 36.11% | Tape source is unknown. 1008 p.18 shows DTI of 34.257%. Non-material variance less than 2% |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.20% | 36.22% | Tape source unknow. 1008 and approval both reflect DTI of 36.219%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.80% | 41.29% | Non-material variance less than 1% |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.64% | 58.79% | The new student loan payment increased the DTI to over 45%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.43% | 33.98% | Non-Material variance less than 3%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source is unknown. AVM p.96 value $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.79% | 39.98% | Non-material variance less than 1% |
| XXXX | XXXX | Representative Credit Score | 742 | 752 | The middle score of the primary wage earner was used per the GL's |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Original Note Balance per executed Note in file is XXX |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.96% | 48.37% | DTI over 45% - The 1008 p.1 and approval p.3 both reflect a DTI of 49.49%. using monthly income of $12,319.95 and total debts of $6,097.48. The review DTI is 48.37% using monthly income of $12,628.47 and total debts of $6,097.48. The loan meets the GL requirements for 50% DTI as it's full doc, CLTV of 72.23%, FICO of 810 and residual income of $6,520. |
| XXXX | XXXX | Representative Credit Score | 815 | 810 | Tape source is unknown. Middle score on CR is 810. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.00% | 31.52% | Non-material variance less than 2% |
| XXXX | XXXX | Representative Credit Score | 809 | 749 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.00% | 41.99% | Variance is due to the lender including the subject taxes which are escrowed with the 1st twice. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.07% | 40.57% | Non-material variance less than 1% |
| XXXX | XXXX | Representative Credit Score | 85364 | 766 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.78% | 41.42% | Non-material variance less than 3% |
| XXXX | XXXX | Representative Credit Score | 80012 | 783 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as PUD Detached per appraisal and PUD rider |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Amortized Original Term | 360 | 240 | Amortized Original Term verified as 20 years per Closing disclosure and maturity date on Note. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.76% | 44.55% | Review DTI matches DTI per 1008. No variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.50% | 36.32% | Non-material variance less than 1% |
| XXXX | XXXX | Representative Credit Score | 761 | 763 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 22.12% | 22.45% | Non-material variance less than 1% |
| XXXX | XXXX | Total Debt to Income Ratio | 42.33% | 43.50% | Non-material variance less than 2% |
| XXXX | XXXX | Representative Credit Score | 721 | 741 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.17% | 42.55% | Tape source unknown. 1008 and approval both show DTI of 42.55% |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | The appraisal verifies the subject is a PUD. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 17.86% | 34.59% | Tape source unknown. The 1008 and approval both show DTI of 34.594%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | The appraisal verifies value of $XXX |
| XXXX | XXXX | Original Note Balance | XXX | XXX | The Note shows loan amount is XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.76% | 41.44% | Non-material variance less than 1% |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Discrepancy appears to be due to formatting with Tape. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.65% | 29.51% | Tape source unknown. 1008 and approval both reflect DTI of 29.51%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | The appraisal verifies value as $XXX |
| XXXX | XXXX | Total Debt to Income Ratio | 44.00% | 44.54% | Non-material variance less than 1% and under 45%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review LTV is based on value and current balances. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV is based on value and current balances. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.50% | 42.45% | Non-Material variance less than 1%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value verified per appraisal. |
| XXXX | XXXX | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Per Final CD funds disbursed for cash and debt consolidation (Page 255). |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.93% | 44.87% | Non-material variance less than 1% |
| XXXX | XXXX | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Per Final CD funds disbursed for cash and debt consolidation (Page 274). |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Data Tape amount was revised to the Note amount of XXX prior to closing on COC Page 612, 45. |
| XXXX | XXXX | Original Interest Rate | 9.8750% | 10.1250% | Data Tape rate was revised to the Note rate of 10.125 prior to closing on COC Page 612, 45. |
| XXXX | XXXX | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Per Final CD, disbursements are for cash and debt consolidation (Page 332). |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.67% | 43.74% | Non-material variance less than 2% |
| XXXX | XXXX | Representative Credit Score | 696 | 701 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Final CD shows funds disbursed for cash and debt consolidation (Page 47). |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.03% | 41.87% | Tape source unknown. The 1008 shows DTI of 41.87%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | The appraisal verifies the value of $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.45% | 44.68% | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.95% | 42.96% | Non-material variance less than 1% |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Attached | Per Appraisal and Mortgage, property type is PUD - Attached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.95% | 43.49% | Non-material variance less than 2% |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 41.14% | 41.18% | Non-material variance |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.16% | 41.43% | Non-material variance less than 1% |
| XXXX | XXXX | Total Debt to Income Ratio | 34.82% | 36.57% | Tape source is unknown. The 1008 reflects DTI of 36.585%, variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.01% | 27.25% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.72% | 44.73% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.65% | 43.76% | Non-material variance less than 1% |
| XXXX | XXXX | Representative Credit Score | 726 | 728 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.80% | 41.02% | The 1008 shows DTI of 40.999%. The docs in file verifying total PITIA and debts with $1 difference for DTI of 41.02% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.85% | 47.40% | Variance < 3% is non-material (Max 50%). |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.31% | 32.28% | Approved DTI 32.28%, no variance. Source of Tape Value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.83% | 43.58% | Variance < 3% is non-material (Max Allowed 45%). |
| XXXX | XXXX | Representative Credit Score | 744 | 746 | Review Value is the primary wage earner representative score as per guidelines. Tape Value is B2 middle credit score. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.87% | 40.08% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.88% | 44.94% | Approved DTI 44.91%, variance < 3% is non-material. Source of Tape Value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.70% | 43.02% | Non-material, review DTI is less than approved DTI |
| XXXX | XXXX | Total Debt to Income Ratio | 44.99% | 45.38% | Lender approved DTI 44.995%, Review DTI 45.38%- Non-Material variance is due to lender using current escrowed amount of $975.75 from the 1st lien mortgage statement vs verified current amount of $1011.47. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.83% | 38.38% | Non-material, review DTI is less than approved DTI |
| XXXX | XXXX | Representative Credit Score | 703 | 749 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 15.95% | 26.72% | Tape source is unknown. The 1008 reflects a DTI of 27.205%. Non-material, review DTI is less than approved DTI |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.60% | 41.74% | Tape source is unknow. The 1008 and approval both show DTI of 41.746%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source is unknow. The 1008 and approval both show value as $XXX which matches the appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.89% | 30.54% | Approved DTI 30.46%, variance < 3% is non-material. Source of Tape Value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.60% | 18.96% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Approved LTV XXX%, non-material variance due to rounding. Source of Tape Value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, variance is non-material. Source of Tape Value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.80% | 37.84% | Approved DTI 37.78%, variance < 3% is non-material. Source of Tape Value is unknown. |
| XXXX | XXXX | Representative Credit Score | 753 | 766 | Review Value is the primary income earners middle credit score. Tape Value is the B2's middle credit score. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review Value is the Appraisal Value. Source of Tape Value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.54% | 36.71% | Review DT increased due to using 1% payment for the student loan. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.87% | 44.39% | Tape reflects the initial approved DTI. Final lender DTI 44.63%. Review DTI 44.39%, variance to final DTI is non-material. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | 1 Year Tax Returns used to qualify. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.17% | 42.35% | Non-Material variance < 3%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Review Value matches to the approved LTV. Source of Tape Value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Approved CLTV XXX%, variance is non-material. Source of Tape Value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 16.00% | 20.09% | Approved DTI 19.087%, variance < 3% is non-material. Source of Tape Value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review Value is the AVM value. Source of Tape Value is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.12% | 40.83% | Approved DTI 38.696%, Non-material variance less than 3% |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as Detached PUD per appraisal and PUD rider |
| XXXX | XXXX | Total Debt to Income Ratio | 33.50% | 39.45% | Tape source is unknown. The 1008 and approval both show DTI of 39.45% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. Review matches to the approved CLTV. Source of Tape Value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 32.19% | 27.90% | Approved DTI 29.655%, variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 735 | 724 | The middle score of the primary wage earner was used per the GL's. Source of Tape Value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as Detached PUD per appraisal and PUD rider |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.56% | 32.85% | Tape source is unknow. The 1008 reflects DTI of 32.804% which is within 1% of review DTI. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.15% | 39.90% | Tape source is unknown. The 1008 and approval both show DTI of 39.992% which is within 3% of the review DTI. Non material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source is unknown. The 1008 and AVM both reflect value as $XXX |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.08% | 41.94% | Variance < 3% is non-material (Max 45%). |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Mortgage and Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.79% | 29.80% | Non-material variance less than 1% |
| XXXX | XXXX | Total Debt to Income Ratio | 36.12% | 39.06% | Tape source is unknown. The 1008 and approval both reflect DTI of 38.923% which is within 1% of review DTI. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 43.17% | 42.84% | Variance < 3% is non-material (Max 45%). |
| XXXX | XXXX | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Loan purpose verified as cash out refinance - borrower paid off over $25k of installment/revolving debt |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.77% | 41.44% | Tape source is unknown. The 1008 and approval both reflect DTI of 41.676% which is within 1% of review DTI, 41.44%. |
| XXXX | XXXX | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Loan purpose verified as cash-out refinance. Borrower consolidated over $XXX in consumer debt |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.82% | 44.90% | Tape source is unknown. The 1008 and approval both reflect DTI of 44.692% which is within 1% of review DTI, 44.90%. |
| XXXX | XXXX | Representative Credit Score | 698 | 682 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Source of tape is unknown, loan approved as cash out which is supported by the final CD. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.94% | 41.05% | Non-Material variance less than 3%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.28% | 44.59% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.30% | 44.08% | Non-material variance less than 1% |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.16% | 46.10% | Tape source is unknown. The 1008 reflects DTI of 43.30%, review DTI, 41%. Variance appears to be due to the lender including |
| XXXX | XXXX | Representative Credit Score | 775 | 805 | Primary wage earner fico used. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per AVM (Page 259) the estimated value is $XXX, not $XXX |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal, property type is PUD - Detached. |
| XXXX | XXXX | Total Debt to Income Ratio | 28.84% | 30.70% | Non-material variance less than 3% |
| XXXX | XXXX | Total Debt to Income Ratio | 27.97% | 28.02% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.86% | 35.94% | Tape source is unknown. The 1008 and approval both reflect DTI of 37.756%. Review DTI 35.94%. Review DTI is w/in 3% of the approved DTI. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.18% | 41.74% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.43% | 37.41% | Non-Material variance less than 3%. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as Detached PUD per appraisal and PUD rider in file |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.19% | 29.44% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.45% | 43.59% | Tape source is unknown. The 1008 and approval both reflect DTI of 42.871% which is within 3% of review DTI, 43.59%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 29.31% | 24.19% | Tape source is unknown. The 1008 reflects DTI of 24.189% which is within 1% of review DTI, 24.19%. |
| XXXX | XXXX | Representative Credit Score | 786 | 784 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | property type confirmed as a PUD. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Difference is due to property value. Review used the AVM value of $XXX. Approved LTV appears to be calculated using the estimated value of $XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 17.47% | 17.73% | Variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Review Value is the AVM Value. Tape Value appears to be the estimated value at application. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.36% | 44.14% | Non-material variance less than 1% |
| XXXX | XXXX | Representative Credit Score | 741 | 755 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD Detached property type verified per PUD rider and loan approval |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.97% | 43.24% | Tape source is unknown. The 1008 and approval both reflect DTI of 43.613% which is within 1% of review DTI, 43.24%. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.37% | 42.32% | Non-material variance, less than 1%. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.96% | 40.97% | Tape source is unknown. The 1008 and approval both reflect DTI of 40.97% which matches the review DTI. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as Detached PUD from appraisal and executed PUD rider |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.12% | 36.30% | Non-Material variance less than 1%. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.24% | 36.03% | Non-material variance less than 1% |
| XXXX | XXXX | U/W Doc Type | Full | 12-mo Bank Statement-Business | Business Bank statements used to qualify. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 21.95% | 43.30% | Variance exceeds 3% but is below the max per guidelines. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.47% | 44.36% | Non-Material variance less than 3%. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 11.93% | 34.23% | The 1008 p.13 shows DTI of 35.487%. The Lock p.751 and the Loan Confirmation p.286 both shows DTI of 11.93%. The review DTI of 34.23% is less than the 1008 DTI due to using slightly less total monthly debt amount and slightly more total income. Review DTI is less than max 45%. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Used value from AVM for CLTV of 59.35% |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 22.93% | 19.89% | Tape source is unknown. The 1008 and approval both reflect DTI of 19.89% which matches the review DTI. |
| XXXX | XXXX | Representative Credit Score | 780 | 786 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Used the value from the AVM which matches the 1008 and approval. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Note balance of XXX verified per Executed Note and Final CD |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.92% | 37.03% | 1Source of tape is unknown. Approved DTI per the 1008 is 39.50%. Review DTI 37.03%. Variance is mom-material. |
| XXXX | XXXX | U/W Doc Type | Full | 12-mo Bank Statement-Personal | 12 months personal bank statements used. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.33% | 48.31% | 8.01% DTI Variance- Review DTI 48.31%, Approved DTI 40.299%. Variance is due to subject taxes and insurance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.53% | 41.71% | Non-material, review DTI is less than approved DTI. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.18% | 22.49% | Non-material variance is less than 3%. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as Detached PUD per executed PUD rider and loan approval |
| XXXX | XXXX | Original Note Balance | XXX | XXX | XXX Note Balance verified per Executed Note and Final CD |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 24.60% | 30.03% | Tape source is unknown. The 1008 and approval both reflect DTI of 30.03% which matches the review DTI. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Used the appraisal value of $XXX which is also on the 1008. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.99% | 44.47% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.83% | 44.40% | Non-material, review DTI is less than approved DTI |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.34% | 43.08% | Non-material, review DTI is less than approved DTI |
| XXXX | XXXX | Original Note Balance | XXX | XXX | The loan amount was taken from the Note p.40. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.98% | 44.96% | Non-material variance less than 1% |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD property type verified per executed PUD rider and loan approval in file |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Used the loan amount from the Note. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.52% | 44.99% | Non-material variance less than 1% |
| XXXX | XXXX | Total Debt to Income Ratio | 42.34% | 44.88% | Approved DTI per the 1008 44.58%, Review DTI 44.88% Non-Material varince. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property Type verified as Detached PUD per Executed PUD rider and Loan Approval |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.00% | 35.86% | Tape source is unknown. The 1008 shows DTI of 36.886% and approval shows DTI of 37.465% which is within 3% of review DTI, 35.86%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.84% | 34.31% | Non-material variance less than 2% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.00% | 42.30% | Non-material variance less than 3% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.73% | 44.32% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.80% | 42.85% | Non-material variance less than 1% |
| XXXX | XXXX | Total Debt to Income Ratio | 38.21% | 39.96% | Non-material variance less than 2% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.48% | 41.96% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.85% | 44.86% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.28% | 38.32% | Non-material variance less than 1% |
| XXXX | XXXX | Total Debt to Income Ratio | 44.13% | 43.05% | QC DTI of 43.05% matches 1008 (pg 1). Non-material variance. Source of tape value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.34% | 44.73% | Non-material variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Attached | Detached PUD property type verified per Executed PUD rider and loan approval in file |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 31.12% | 44.59% | Tape source is unknown. The 1008 shows DTI of 44.813%. Non-material variance less than 1% |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source is unknown. The 1008 and AVM both reflect the value as $XXX. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non material variance |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.36% | 44.17% | Non-material variance less than 2% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 34.25% | 32.08% | Non-material, review DTI is less than approved DTI |
| XXXX | XXXX | Representative Credit Score | 720 | 748 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as Detached PUD per loan approval and Executed PUD rider |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.00% | 42.57% | Non-material variance less than 1% |
| XXXX | XXXX | Representative Credit Score | 685 | 693 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.60% | 36.04% | Non-material variance less than 1% |
| XXXX | XXXX | Representative Credit Score | 715 | 781 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | The 1008 p206 reflects LTV XXX%/CLTV XXX%. Tape value appears to be based on the initial estimated value $XXX. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | The 1008 p206 reflects LTV XXX%/CLTV XXX%. Tape value appears to be based on the initial estimated value $XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.47% | 44.35% | Non-material variance |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per the appraisal (p598) and the 1008 (p206), the value is $XXX. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.71% | 34.49% | Approved DTI per the 1008 39.71%, Review DTI 34.49%. Variance appears to be due to the lender including the subject taxes and ins twice. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.96% | 37.29% | Tape source is unknown. The 1008 and approval both reflect DTI of 37.286% which matches the review DTI,37.29%. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.20% | 41.24% | Non-material variance less than 1% |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source unknow. Both the 1008 and approval shows value as $XXX. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | CLTV based on current loan balances and value per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 12.00% | 20.91% | Tape source unknown. Approved DTI per the 1008 18.23%. Review DTI 20.91%. Variance is less than 3% and considered non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value per appraisal. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review CLTV based on most current documented value/1st lien. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.76% | 23.66% | 23.66% approved DTI. Variance is rounding. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD Detached per appraisal (pg 422). |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance due to incorrect appraisal value. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.55% | 39.76% | QC DTI of 39.76% closely matches 1008 39.65% (pg 4). Non-material variance. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Value of $XXX confirmed per appraisal (pg 422). Source of tape value from initial 1003. |
| XXXX | XXXX | Total Debt to Income Ratio | 22.12% | 22.08% | Source of tape is unknown, Approved DTI per 1008 21.98%, Review DTI 22.08%, Variance is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Tape value based on initial estimated appraised value $XXX. 1008 (p4) matches review value. Non material variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape value based on initial estimated appraised value $XXX. 1008 (p4) matches review value. Non material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 19.47% | 36.96% | QC DTI of 36.96% matches 1008 (pg 4). Non-material variance. Source of tape value is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Per the appraisal, the value is $XXX (see p326). Source of tape value is stated value on initial 1003. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Non-material variance |
| XXXX | XXXX | Total Debt to Income Ratio | 40.96% | 42.65% | Source of tape is unknown. Approved DTI per 1008 42.48%, Review DTI 42.65%, non-material variance. |
| XXXX | XXXX | Total Debt to Income Ratio | 9.00% | 11.65% | Variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 806 | 809 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Representative Credit Score | 768 | 806 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as Detached PUD per appraisal and loan approval |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.34% | 41.37% | Non-material variance less than 3% |
| XXXX | XXXX | Representative Credit Score | 727 | 806 | 806 is the mid fico of the primary wage earner. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Detached PUD property type verified per Executed PUD rider and loan approval. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.86% | 32.74% | Non-material variance less than 1% |
| XXXX | XXXX | Total Debt to Income Ratio | 44.53% | 44.95% | Non-material variance less than 1% |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD Detached property type verified per loan approval and Executed PUD rider |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV of 79.80% based on current 1st lien balance and subject loan amount. Tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 13.75% | 21.44% | 21.44% approved DTI. Tape source unknown. |
| XXXX | XXXX | U/W Doc Type | Full | 12-mo Bank Statement-Business | UW Doc type is 12-mo Bank Statement Business per LA/1008. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OLTV based on new loan UPB and 1st lien UPB. Tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.05% | 40.08% | 40.08% approved DTI. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV based on current UPB of 1st and new 2nd lien. Tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.74% | 42.32% | 42.32% approved DTI. Tape source unknown. |
| XXXX | XXXX | Representative Credit Score | 764 | 776 | 776 is B1 mid score and tape is B2 mid score. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.24% | 43.46% | 43.46% approved DTI. Variance is rounding. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on 1st lien UPB and current loan value. |
| XXXX | XXXX | Total Debt to Income Ratio | 23.63% | 27.81% | 27.81% approved DTI. Tape source unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as per appraisal. |
| XXXX | XXXX | Total Debt to Income Ratio | 39.04% | 42.81% | 42.81% approved DTI. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLT calculated on 2nd lien amount and UPB of 1st lien. Variance is rounding. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.58% | 43.48% | Non-Material variance less than 1%. |
| XXXX | XXXX | Total Debt to Income Ratio | 12.86% | 12.03% | 12.03% approved DTI. Variance is rounding. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as Detached PUD per appraisal in file |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on UPB of 1st lien and new 2nd lien balance. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.59% | 31.80% | Source of tape is unknown, Approved DTI per the 1009 31.74%, Review DTI 31.80%. Variance is Non-Material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on 1st lien upb and new 2nd lien value. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.34% | 42.57% | Source of tape is unknown. Approved DTI per the 1008 40.53%. Review DTI 42.57%. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on 1st lien upb and loan value of new 2nd lien. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 4.20% | 5.11% | Source of tape is unknown. Approved DTI per the 1008 3.07%, variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.76% | 38.84% | Source of tape is unknown. Approved DTI per the 1008 38.81%, variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on new loan value and apppraised value. Variance with tape is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.80% | 44.14% | Source of tape is unknown. Approved DTI per the 1008 44.75%. Review DTI 44.14%. Variance is non-material. |
| XXXX | XXXX | Original Interest Rate | 8.3750% | 8.1250% | Tape source unknown. Original interest rate verified per note. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on 1st lien upb and 2nd lien new loan balance. Tape source unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.70% | 44.39% | Tape and approved DTI per the 1008 44.70%. Review DTI 44.39%, Variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on new 2nd lien amount and appraised value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien amount and 1st lien UPB and appraised value. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.19% | 43.18% | Source of tape is unknown. Approved DTI per the 1008 42.59%. Review DTI 43.18%. Variance is non-material. |
| XXXX | XXXX | Representative Credit Score | 702 | 724 | FICO is mid score of primary wage earner. Tape is lowest mid score of both. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source unknown. Appraised value verified per appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on new loan value and appraised value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new loan value and 1st lien current UPB and appraised value. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.00% | 30.37% | Source of tape is unknown. Approved DTI per the 1008 30.38%. Review DTI 30.37%. Variance is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source unknown. Appraised value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value and 1st lien upb. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value plus 1st lien UPB and appraised value. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.49% | 36.67% | Source of tape is unknown. Approved DTI per the 1008 36.67%. Review DTI 36.67%. No variance. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on 2nd lien new value and appraised value. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value and 1st lien upb and appraised value. Tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.03% | 35.09% | Source of tape is unknown. Approved DTI per the 1008 35.56%. Review DTI 34.80%. Variance is non-material |
| XXXX | XXXX | Representative Credit Score | 695 | 698 | FICO is mid score of primary wage earner. Tape source is unknown. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value per appraisal. Tape source is unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value and 1st lien upb. Tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 48.00% | 49.24% | Source of tape is unknown. Approved DTI per the 1008 42.99%. Review DTI 49.24%. Variance is non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as Detached PUD per appraisal and Executed PUD rider |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on new 2nd lien value and 1st lien upb. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.76% | 44.72% | Source of tape is unknown. Approved DTI per the 1008 44.72%. Review DTI 44.72%. No Variance. <br>|
| XXXX | XXXX | Representative Credit Score | 730 | 765 | Tape is lowest mid score of both borrowers. FICO of 765 is mid score of primary wage earner. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on new 2nd lien value and appraied value. Variance is non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified as Detached PUD per appraisal and executed PUD rider |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value and 1st lien upb. Tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.29% | 42.62% | Source of tape is unknown. Approved DTI per the 1008 43.27%. Review DTI 42.62%. Variance is non-material. <br>|
| XXXX | XXXX | Total Debt to Income Ratio | 42.33% | 44.40% | Source of tape is unknown. Approved DTI per the 1008 44.38%, variance < 3% is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 18.22% | 18.23% | Variance < 3% is non-material. <br>|
| XXXX | XXXX | Total Debt to Income Ratio | 26.02% | 28.54% | Source of tape is unknown. Approved DTI per the 1008 28.94%, variance < 3% is non-material.<br>|
| XXXX | XXXX | Representative Credit Score | 722 | 792 | Review Value is the primary wage earners middle credit score. Tape Value is the lower of the borrowers middle credit scores. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per Appraisal and Mortgage, property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on new 2nd lien value and appraised value. Tape source unknown. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value and 1st lien upb and appraised value. Tape source unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.72% | 31.32% | Tape source unknown. Approved DTI per the 1008 31.32%. Review DTI 31.32%. No variance.<br>|
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source unknown. Appraised value stated is actual purchase price from two months prior. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value and 1st lien upb and appraised value. Tape source unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 40.90% | 41.20% | Tape source unknown. Approved DTI per the 1008 41.201%. Review DTI 41.20%. No variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type of PUD verified per appraisal. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on new 2nd lien value and appraised value. Tape source unknown. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value, 1st lien upb and appraised value. Tape source unknown. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.98% | 44.49% | Source of tape is unknown. Approved DTI per the 1008 43.19%, variance < 3% is non-material (Max 45%). |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source unknown. Appraised value verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value, 1st lien UPB and appraised value. Variance is non-material. Tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.68% | 44.43% | Approved DTI 46.033%, variance < 3% is non-material. Source of Tape Value is unknown. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Property type verified per appraisal. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value, 1st lien upb and appraised value. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.43% | 42.06% | Tape source unknown. Approved DTI per the 1008 42.23%, variance < 3% is non-material. |
| XXXX | XXXX | Original Note Balance | XXX | XXX | Original Note Balance verified per note. Tape source unknown. |
| XXXX | XXXX | Original Interest Rate | 8.1250% | 8.2500% | Original Interest Rate verified per note. Tape source unknown. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on new 2nd lien value and appraised value. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Review Value matches to the loan approval. Source of Tape Value is unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 49.63% | 47.42% | Tape source unknown. Approved DTI per the 1008 47.23%, variance < 3% is non-material (Max 50%). |
| XXXX | XXXX | Representative Credit Score | 747 | 733 | Review Value is the primary wage earners middle credit score as per the updated credit report. Tape Value is from the initial credit report. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value taken from appraisal. Tape source unknown. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.25% | 42.81% | Tape source unknown. Approved DTI 42.758%, variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value, 1st lien upb and appraised value. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 6.23% | 6.24% | Variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on 2nd lien value, 1st lien upb and AVM value. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.55% | 25.43% | Tape source unknown. Approved DTI per the 1008 25.79%, variance < 3% is non-material. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | Per mortgage property type is PUD - Detached. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on new 2nd lien value and AVM value. Variance is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value, 1st lien upb and AVM value. |
| XXXX | XXXX | Total Debt to Income Ratio | 11.98% | 33.10% | Source of tape is unknown. Approved DTI per the 1008 33.44%, variance < 3% is non-material (45% Max). |
| XXXX | XXXX | Appraised Value | XXX | XXX | Appraised value verified per AVM. Tape source unknown. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value, 1st lien upb and appraised value. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.02% | 22.74% | Tape source unknown. Approved DTI per the 1008 22.74%, no variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated by new 2nd lien value, 1st lien upb and AVM value. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.87% | 37.72% | Tape DTI matches 1008. Approved DTI per the 1008 36.867%. Review DTI 36.66%. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 25.11% | 27.78% | Tape source unknown. Approved DTI per the 1008 13.89%, variance > 3%. Missing income docs. Exception cited. |
| XXXX | XXXX | Total Debt to Income Ratio | 47.37% | 43.78% | Approved DTI per the corrected 1008 43.78% which matches review DTI. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new 2nd lien value, 1st lien upb and appraised value. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.94% | 38.85% | Tape source unknown. Approved DTI 38.846%, non-material variance < 3% due to rounding. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Source of Tape Value is unknown. Review Value matches to the approved value. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Source of Tape Value is unknown. Approved CLTV X%, variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.15% | 43.09% | Tape source unknown. Approved DTI 43.19%, variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 724 | 745 | Tape source is lowest mid score of both borrowers. Review is mid score of primary wage earner. |
| XXXX | XXXX | U/W Doc Type | 24-mo Bank Statement-Business | Full | Tape source unknown. UW Doc Type is full with both being wage earners. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source unknown. Appraised value verified per AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 27.56% | 27.55% | Variance < 3% due to rounding is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 38.37% | 36.87% | Tape source unknown. Approved DTI 36.92%, variance < 3% is non-material. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 37.68% | 41.96% | Tape source unknown. Approved DTI 42.183%, variance < 3% is non-material. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | Tape source unknown. Review value matches to the approved LTV. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Tape source is unknown. Approved CLTV XXX%, variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 36.67% | 37.40% | Tape source unknown. Approved DTI 37.34%, variance < 3% is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source unknown. Review value is the appraisal value. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.68% | 42.90% | Tape source unknown. Approved DTI 42.90%, no variance. |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD property type verified per AVM and PUD Rider. |
| XXXX | XXXX | Original Loan to Value | XXX | XXX | OLTV calculated on 2nd lien value and AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on 2nd lien value, 1st lien upb and AVM. |
| XXXX | XXXX | Total Debt to Income Ratio | 42.80% | 42.92% | Tape source unknown. Approved DTI per the 1008 43.30%. Review DTI 42.92%. Variance is non-material. |
| XXXX | XXXX | Appraised Value | XXX | XXX | Tape source unknown. Appraised value verified per AVM. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on 2nd lien value, 1st lien upb and appraised value. |
| XXXX | XXXX | Total Debt to Income Ratio | 46.55% | 46.97% | Tape source unknown. Approved DTI per the 1008 46.97%. Review DTI 46.97%. No variance. |
| XXXX | XXXX | Representative Credit Score | 749 | 755 | Tape source unknown. Fico is borrowers mid score. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.10% | 49.90% | DTI variance is due 1008 reflecting other monthly payments of $1649 vs the actual payments of $2,565.00. |
| XXXX | XXXX | Total Debt to Income Ratio | 35.21% | 35.22% | Non-material variance less than 1% |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on 2nd lien value, 1st lien upb and appraised value. |
| XXXX | XXXX | Total Debt to Income Ratio | 30.47% | 35.21% | Tape source unknown. Approved DTI per the 1008 35.21%. Review DTI 35.21%. No variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.52% | 37.63% | Review DTI is less due to the to the lender including the Taxes and Insurance twice in the DTI. |
| XXXX | XXXX | Representative Credit Score | 719 | 772 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.27% | 41.05% | Review DTI is less because per the 1008, the lender used the escrowed 1st lien payment and then also broke out the taxes and HOI so they escrows were counted twice in the approved DTI. |
| XXXX | XXXX | Representative Credit Score | 712 | 717 | The middle score of the primary wage earner was used per the GL's. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Used most recent balance for the 1st lien to obtain the CLTV. |
| XXXX | XXXX | Total Debt to Income Ratio | 45.24% | 41.90% | Review DTI is less because per the 1008, the lender used the escrowed 1st lien payment and then also broke out the taxes so the tax part of the escrows were counted twice in the approved DTI. |
| XXXX | XXXX | Total Debt to Income Ratio | 44.79% | 44.34% | Non-material variance less than 1% |
| XXXX | XXXX | Property Type | Single Family - Detached | PUD - Detached | PUD Detached property type verified per AVM. |
| XXXX | XXXX | Total Debt to Income Ratio | 43.93% | 44.82% | Tape source unknown. Approved DTI per the 1008 44.82%. Review DTI 44.82%. No variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on 2nd lien value, 1st lien upb and appraised value. |
| XXXX | XXXX | Total Debt to Income Ratio | 33.56% | 38.60% | Tape source unknown. Approved DTI per the 1008 38.60%. Review DTI 38.60%. No variance. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | OCLTV calculated on new second lien value, 1st lien upb and appraised value. Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 41.18% | 42.30% | Variance < 3% is non-material. |
| XXXX | XXXX | U/W Doc Type | Full | Full/Alternate | 12+ Months documented income does not meet full doc definition. |
| XXXX | XXXX | Original Combined Loan to Value | XXX | XXX | Variance is non-material. |
| XXXX | XXXX | Total Debt to Income Ratio | 20.54% | 20.53% | Variance < 3% is non-material. |
| XXXX | XXXX | Representative Credit Score | 759 | 773 | Tape Value is the mid score of the primary wage earner. Tape Value is lowest mid score of both. |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **DUMMY ID** | **Loan Number (Selling Lender)** | **Exception ID** | **Exception ID Date** | **Condition Category** | **Condition Standardized Description** | **Condition ID** | **Exception Level** | **Status** | **Condition Custom Description** | **Cleared Date** | **Compensating Factors** | **Lender Response** | **Comments** | **Loan Status** |
| 900000641 | XXXX | 906839 | 04/05/2022 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Missing documentation to verify lender property tax calculation of $xx yearly. Subject is new construction and title commitment does not reflect tax rates.-- Final CD Disclosed $xx, Review calculated $xx via Title Commitment. $xx yearly/ $xx monthly. |  | Verified credit history - Mid FICO of 737 exceeds the minimum required of 680 by 107 points.; |  | Client: EV2 Final CD disclosed $xx, Lender calculation $xx (12 mths). Subject is new constructions. Lender over disclosed estimated taxes. | Funded C B |
| 900000641 | XXXX | 909106 | 04/11/2022 | Property | FNMA/FHLMC loan with no secondary valuation to support appraised value | PROP 0019 | 1 | Closed | Missing required secondary appraisal review. FNMA UCDP Submission Summary Report dated xx/xx/xx with value of $xxx and 3.1 risk score exceeds 2.5 maximum. | 05/02/2022 | Verified credit history - Mid FICO of 737 exceeds the minimum required of 680 by 107 points.; |  | 04/27/22 Updated FNMA SSR dated xx/xx/xx reflecting a risk score of 1.2 received. - 04/27/22 Updated FNMA SSR dated xx/xx/xx reflecting a risk score of 1.2 received. | Funded C A |
| 900000641 | XXXX | 909113 | 04/11/2022 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing copy of Right to Copy of Appraisal Disclosure. | 05/02/2022 | Verified credit history - Mid FICO of 737 exceeds the minimum required of 680 by 107 points.; |  | 04/26/22 Notice of Right to Copy of Appraisal Disclosure received. - 04/26/22 Notice of Right to Copy of Appraisal Disclosure received. | Funded C A |
| 900000641 | XXXX | 909114 | 04/11/2022 | Credit | Guideline Exception(s) | GIDE 0001 | 1 | Closed | Missing required documents for concurrent (1st Lien). No copy of the 1st mortgage note found to verify Loan amount of $xx and payment of $xx. | 05/02/2022 | Verified credit history - Mid FICO of 737 exceeds the minimum required of 680 by 107 points.; |  | 04/26/22 No copy of the 1st mortgage note received. - 04/26/22 No copy of the 1st mortgage note received. | Funded C A |
| 900000641 | XXXX | 909146 | 04/11/2022 | Credit | Missing Employment doc (VOE) | CRED 0007 | 1 | Closed | Missing 3rd Party verification of self employment dated w/in 30 days of the Note date. | 05/02/2022 | Verified credit history - Mid FICO of 737 exceeds the minimum required of 680 by 107 points.; |  | 04/26/22 Google search and verification of active license provided. - 04/26/22 Google search and verification of active license provided. | Funded C A |
| 900000641 | XXXX | 909215 | 04/11/2022 | Credit | Insufficient Verified Funds to Close | CRED 0016 | 1 | Closed | Total funds required to close $xx, total funds verified $xx, Short $xx. | 06/17/2022 | Verified credit history - Mid FICO of 737 exceeds the minimum required of 680 by 107 points.; | 06/17/22 Per GS Updated DU will not be required as this is a non agency loan.<br>6/7/2022 - Attached DU submission #6 is insufficient to satisfy the exception; funds required to close per DU $xx < Actual funds required to close $xx, as per CD issued 5/16/2022. CRED 0016 Exception Remains;<br>05/18/22 Updated settlement statement received reflecting the lender credit of of 132.70 which was applied via principal reduction. Total funds to close updated to per revised statement to $xx. Total funds verified $xx (Review updated and used amount used for IRA to 70%)- Lender to update DU cash required to close to $xx. <br>Updated findings required to verify findings do not change. (Funds required per submission # 5 dated xx/xx/xx $191,365.27)<br>05/04/22 Updated settlement statement received. <br>\*\* Finding remains, Total funds to close updated to $xx, Total funds verified $xx (This figure already included the EMD of $xxK), | 06/17/22 Per Investor Updated DU will not be required as this is a non agency loan.<br>05/18/22 Updated settlement statement received reflecting the lender credit of ofxx which was applied via principal reduction. Total funds to close updated to per revised statement to $xx. Total funds verified $xx (Review updated and used amount used for IRA to 70%) - 06/17/22 Per Investor Updated DU will not be required as this is a non agency loan.<br>05/18/22 Updated settlement statement received reflecting the lender credit of ofxx which was applied via principal reduction. Total funds to close updated to per revised statement to $xx. Total funds verified $xx (Review updated and used amount used for IRA to 70%) | Funded C A |
| 900000641 | XXXX | 909220 | 04/11/2022 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Missing executed certificate that appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. | 05/12/2022 | Verified credit history - Mid FICO of 737 exceeds the minimum required of 680 by 107 points.; | 04/27/22 Appraisal received.<br>\*\*Finding remains unable to locate statement that the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. | 05/10/22 Updated appraisal with FIREEA verbiage on pg 3 of 6 received. - 05/10/22 Updated appraisal with FIREEA verbiage on pg 3 of 6 received. | Funded C A |
| 900000641 | XXXX | 909799 | 04/12/2022 | Credit | AUS is invalid - conditions were not met | QMATR 0014 | 1 | Closed | Missing copy of AUS approve/eligible to confirm loan was underwritten according to AUS requirements as required by program guidelines. Subject to re-verification and re-calculation, additional conditions may apply. \*\* Note Per guidelines "To obtain accurate DU findings on standalone transactions, enter the UPB of the first lien for "loan amount" and input the second (subject) lien loan amount in the "subordinate financing" field in the "details of transaction" section. | 05/09/2022 | Verified credit history - Mid FICO of 737 exceeds the minimum required of 680 by 107 points.; |  | 05/04/22 Corrected DU findings received. - 05/04/22 Corrected DU findings received. | Funded C A |
| 900000641 | XXXX | 909814 | 04/12/2022 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 1 | Closed | Missing documentation to verify credit account has been paid in full with a $0 balance. Lender excluded payment of $xx in qualifying DTI. 1003 reflects account to be paid off at or prior to closing. Review DTI with payment included 48.05%. (Gap report dated xx/xx/xx reflects balance of #xx/pmt $xx) | 05/02/2022 | Verified credit history - Mid FICO of 737 exceeds the minimum required of 680 by 107 points.; |  | 04/27/22 1st lien settlement statement and CD provided which verifies account paid at closing. - 04/27/22 1st lien settlement statement and CD provided which verifies account paid at closing. | Funded C A |
| 900000640 | XXXX | 909521 | 04/12/2022 | Credit | Guideline Exception(s) | GIDE 0001 | 1 | Closed | 1) Missing copy of 1st mortgage note or billing statement<br>2) Missing copy of first and second lien note for non-subject REO | 05/02/2022 | Verified credit history - Mid FICO of 758 exceeds the minimum required of 680 by 78 points.; Verified reserves - 35.34 months verified reserves.; | 04/22/22 Finding Partially cleared. Item #2 first and second lien note received.<br>\*\*Item #1 remains outstanding. Missing copy of 1st mortgage note or billing statement. | 04/26/22 Credit supplement verifying loan was a HELOC provided. <br>04/22/22 Finding Partially cleared. Item #2 first and second lien note received. - 04/26/22 Credit supplement verifying loan was a HELOC provided. <br>04/22/22 Finding Partially cleared. Item #2 first and second lien note received. | Approved C |
| 900000640 | XXXX | 909533 | 04/12/2022 | Property | FNMA/FHLMC loan with no secondary valuation to support appraised value | PROP 0019 | 1 | Closed | Missing required secondary appraisal review. | 05/09/2022 | Verified credit history - Mid FICO of 758 exceeds the minimum required of 680 by 78 points.; Verified reserves - 35.34 months verified reserves.; | 05/02/22 CDA for non-subject REO provided.<br>\*\* Finding remains missing CDA for subject loan.<br>04/21/22 Duplicate copy of appraisal received.<br>\*\*Finding remains missing secondary valuation such as a CDA. SSR score returned at 2.6. | 05/04/22 CDA supporting value of $xxxK received. - 05/04/22 CDA supporting value of $xxxK received. | Approved C |
| 900000640 | XXXX | 909540 | 04/12/2022 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing copy of Right to Copy Appraisal Disclosure. | 04/25/2022 | Verified credit history - Mid FICO of 758 exceeds the minimum required of 680 by 78 points.; Verified reserves - 35.34 months verified reserves.; |  | 04/22/22 Appraisal disclosure received. - 04/22/22 Appraisal disclosure received. | Approved C |
| 900000640 | XXXX | 909702 | 04/12/2022 | Credit | AUS is invalid - conditions were not met | QMATR 0014 | 1 | Closed | Missing updated AUS. | 04/25/2022 | Verified credit history - Mid FICO of 758 exceeds the minimum required of 680 by 78 points.; Verified reserves - 35.34 months verified reserves.; |  | 04/21/22 Updated AUS findings reflecting the 1st lien loan received. - 04/21/22 Updated AUS findings reflecting the 1st lien loan received. | Approved C |
| 900000640 | XXXX | 911063 | 04/15/2022 | Credit | Asset Documentation is Insufficient | CRED 0083 | 1 | Closed | Missing copy of the (institution) February statement. | 05/02/2022 | Verified credit history - Mid FICO of 758 exceeds the minimum required of 680 by 78 points.; Verified reserves - 35.34 months verified reserves.; | 04/22/22 Lender posted response is insufficient to satisfy the exception.<br>\*\*Finding remains February statement which is the most current was provided in concurrent transaction. Documents should be in both files. | 04/26/22 Copy of the February statement received. - 04/26/22 Copy of the February statement received. | Approved C |
| 900000640 | XXXX | 911070 | 04/15/2022 | Compliance | Missing Right of Rescission | ROR 0001 | 1 | Closed | Missing ROR. Subject was owner occupied refinance with intent to use cash out proceeds to purchase a new primary residence. Why the loan was properly approved as an investment as that was the intended use of the property the borrower was still occupying the subject as his primary residence. | 07/14/2022 | Verified credit history - Mid FICO of 758 exceeds the minimum required of 680 by 78 points.; Verified reserves - 35.34 months verified reserves.; | 7/11/2022 - Exception is cleared with the attached ROR form electronically signed and dated by the borrower; ROR expiration date has passed with no evidence transaction was rescinded. ROR 0001 Exception Cleared; <br>6/27/2022 - Attached email correspondence confirms delivery of the ROR to borrower after the rescission expiration date; Borrower was not provided 3 complete business days to rescind the transaction. Disclosure tracking for Closing Disclosure package delivered to borrower, however, no PCCD provided for review. ROR 0001 Exception Remains;<br>5/31/2022 - Exception is partially cleared with the attached ROR forms. Copy of the eDisclosure consent does not satisfactorily document delivery to borrower. Missing is the actual received date of the ROR. ROR 0001 Exception Remains;<br>5/13/22 ROR executed by the borrower received.<br>\*\*Finding remains, ROR expiration date was not updated to reflect the 3 days from receipt of the borrower receiving the disclosure. Lender will have to provide a 2nd corrected ROR with an updated Expiration Date. ROR does not have to be executed, but if not executed the lender must provide proof of delivery to the borrower so review can verify the borrower was provided 3 business days. | 7/11/2022 - Exception is cleared with the attached ROR form electronically signed and dated by the borrower; ROR expiration date has passed with no evidence transaction was rescinded. ROR 0001 Exception Cleared; - 7/11/2022 - Exception is cleared with the attached ROR form electronically signed and dated by the borrower; ROR expiration date has passed with no evidence transaction was rescinded. ROR 0001 Exception Cleared; | Approved C |
| 900000640 | XXXX | 911088 | 04/15/2022 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | Missing COC for the additional of the $200 Signing Agent Fee - A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($125.00) were applied to the total fee variance of ($138.02) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. |  | Verified credit history - Mid FICO of 758 exceeds the minimum required of 680 by 78 points.; Verified reserves - 35.34 months verified reserves.; | 7/16/2022 - Recd attestation on lenders company letterhead confirming no additional PCCD's were issued after the one received on x/xx. \*\* Exception overridden to EV2 with PCCD received via stip presentment on x/xx and refund provided via stip presentment on x/xx. No ROR was required to be re-opened as fee charged over legal limit does not effect APR. US Mailbox rule applied since evidence of delivery of the restitution check was previously provided via stip presentment on x/xx; curative action completed within 60 days of discovery under 130(b) for the numerical error. TRID 0205 Exception Overridden to EV2;<br>7/15/2022 - Exception re-reviewed. No ROR was required to be re-opened as fee charged over legal limit does not effect APR. Tolerance violation was cured with PCCD received via stip presentment on x/xx and refund provided via stip presentment on x/xx. Disclosure tracking provided on x/xx indicates that a new disclosure package was sent to the borrower, however, no PCCD was provided for review. TRID 0205 Exception Remains;<br>7/11/2022 - Recd ROR form electronically signed and dated by the borrower; ROR expiration date has passed with no evidence transaction was rescinded. Exception Remains; <br>6/27/2022 - Attached email correspondence confirms delivery of the ROR to borrower after the rescission expiration date; Borrower was not provided 3 complete business days to rescind the transaction. Disclosure tracking for Closing Disclosure package delivered to borrower, however, no PCCD provided for review. TRID 0205 Exception Remains;<br>5/25/2022 - Recd copy of the PCCD with corresponding cover letter. US Mailbox rule applied since evidence of delivery of the restitution check was previously provided via stip presentment on x/xx. Curative action not completed until rescission period opened; Refer to ROR 0001 missing is evidence of delivery to borrower of the ROR. Exception can be overridden to EV2 upon receipt of evidence of delivery of the ROR to borrower to complete curative action within 60 days of discovery under 130(b). TRID 0205 Exception Remains;<br>05/23/22 Copy of refund check received with courier tracking that confirms delivery with a LOE and corrective CD.<br>\*\*Finding remains, CD provided was not the subject loan. A LOE explaining the the corrective was provided on the wrong loan. <br>04/22/22 LE and COC provided.<br>\*\*Finding remains LE does not include the additional signing agent fee and COC is for rate lock. Missing COC addressing the additional signing agent fee of $210 added to the final CD. If no COC lender to provide, Refund of fee, Copy of refund check, Corrective PC CD, LOE to the borrower explaining the reason for re disclosure, and proof of trackable delivery.<br>| Mitigated Risk: 7/16/2022 - Recd attestation on lenders company letterhead stating, "There was no post consummated CD issued xx/xx/xx. The subject on the email verifying the delivery of the revised ROR was incorrect and in error. No post consummated CD was issued on xx/xx/xx." \*\* Exception overridden to EV2 with PCCD issued x/xx and refund provided via stip presentment on x/xx. No ROR was required to be re-opened as fee charged over legal limit does not effect APR. US Mailbox rule applied since evidence of delivery of the restitution check was previously provided via stip presentment on x/xx; curative action completed within 60 days of discovery under 130(b) for the numerical error. TRID 0205 Exception Overridden to EV2; | Approved C B |
| 900000639 | XXXX | 911859 | 04/20/2022 | Credit | AUS is invalid - conditions were not met | QMATR 0014 | 1 | Closed | Missing updated AUS. Per guidelines "To obtain accurate DU findings on standalone transactions, enter the UPB of the first lien for "loan amount" and input the second (subject) lien loan amount in the "subordinate financing" field in the "details of transaction" section. (AUS reflects loan amount to be the subject loan amount of $xxxx.) | 05/17/2022 | Verified credit history - Mid FICO of 760 for lowest score of 2 borrowers exceeds the minimum required of 680 by 60 points.; Low DTI - 29.13% DTI is 20.87% lower than 50% maximum.&nbsp;&nbsp;&nbsp;&nbsp; ; | 05/10/22 Updated DU findings excludes income for B2 which does not match the final 1008/1003. <br>\*\*Finding remains pending receipt of the DU reflecting as loan was submitted. | 05/13/22 Updated DU findings provided. - 05/13/22 Updated DU findings provided. | Funded C A |
| 900000642 | XXXX | 922558 | 05/12/2022 | Compliance | Loan disbursed prior to loan transaction date. | CRED 0121 | 1 | Closed | Per the CD Loan Disbursement / Interest From date is is Prior to the transaction date. | 07/12/2022 | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; |  | 05/31/22 Final settlement statement and PC CD dated xx/xx/xx confirm loan disbursement date of xx/xx/xx. - 05/31/22 Final settlement statement and PC CD dated xx/xx/xx confirm loan disbursement date of xx/xx/xx. | Approved C |
| 900000642 | XXXX | 922584 | 05/12/2022 | Credit | Questionable Occupancy | CRED 0117 | 1 | Closed | Questionable Occupancy. Subject HOI policy reflects the subject to be rental. Loan closed as a Second Home. | 06/14/2022 | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; | 06/03/22 Recd from lender: Policy carries no loss of use or loss or rents/rental loss or landlord coverage. It also has a vacant/seasonal use clause. \*\* Exception is cleared. Policy includes additional living expense OR fair rental market value, personal property replacement cost, and permitted vacancy OR seasonal usage clause, thus supporting subject is being used for personal use. CRED 0017 Exception Cleared; | 06/03/22 Recd from lender: Policy carries no loss of use or loss or rents/rental loss or landlord coverage. It also has a vacant/seasonal use clause. \*\* Exception is cleared. Policy includes additional living expense OR fair rental market value, personal property replacement cost, and permitted vacancy OR seasonal usage clause, thus supporting subject is being used for personal use. CRED 0017 Exception Cleared; - 06/03/22 Recd from lender: Policy carries no loss of use or loss or rents/rental loss or landlord coverage. It also has a vacant/seasonal use clause. \*\* Exception is cleared. Policy includes additional living expense OR fair rental market value, personal property replacement cost, and permitted vacancy OR seasonal usage clause, thus supporting subject is being used for personal use. CRED 0017 Exception Cleared; | Approved C |
| 900000642 | XXXX | 922588 | 05/12/2022 | Credit | Missing Final UCD Findings | AUS 0002 | 1 | Closed | Agency findings not located in file. | 07/21/2022 | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; |  | 06/03/22 findings received. - 06/03/22 findings received. | Approved C |
| 900000642 | XXXX | 922629 | 05/12/2022 | Compliance | NMLS IDs do not match | NMLS 0011 | 2 | Acknowledged | Final CD NMLS does not match the Note, DOT, and 1003 NMLS. |  | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; |  | Client: EV2 Post closing corrective action- PC CD with LOE to the borrower | Approved C B |
| 900000642 | XXXX | 922630 | 05/12/2022 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed estimated property costs over Year 1 is incorrect. |  | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; | 7/16/2022 - Exception is overridden to EV2 with the attached copy of the refund check (REF TRID 0124) and courier tracking slip; tracking search confirms delivery to borrower completed within 60 days from discovery under 130(b) for the numerical error. TRID 0204 Exception Overridden to EV2;<br>7/14/2022 - Lender posted response is insufficient to satisfy the exception. Refer to comments posted xx/xx: Missing copy of refund check with evidence of delivery to borrower completed within 60 days of consummation (REF TRID 0124). TRID 0204 Exception Remains;<br>7/11/2022 - Recd PCCD and cover letter. \*\* No exception cleared. Missing copy of refund check with evidence of delivery to borrower completed within 60 days of consummation (REF TRID 0124). TRID 0204 Exception Remains;<br>06/01/22 PC CD with LOE to the borrower received.<br>\*\*Finding remains, estimated property costs over Year 1 was not corrected. | Mitigated Risk: 7/16/2022 - Exception is overridden to EV2 with the attached copy of the refund check (REF TRID 0124) and courier tracking slip; tracking search confirms delivery to borrower completed 7/13/2022, which is within 60 days from discovery under 130(b) for the numerical error. TRID 0204 Exception Overridden to EV2; | Approved C B |
| 900000642 | XXXX | 922676 | 05/12/2022 | Compliance | Calculated Amortized Term does not match Term of Note | CRED 0070 | 1 | Closed | Subject Note reflects loan as Fixed Rate however Payment Amount is an IO payment. | 07/21/2022 | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; | 6/10/2022 - Exception is cleared with the attached IO Addendum to Note. CRED 0070 Exception Cleared;<br>06/01/22 CD with LOE to the borrower received. \*\*Finding remains, Subject Note reflects loan as Fixed Rate however Payment Amount is an IO payment. Missing the IO Addendum to the Note. | 6/10/2022 - Exception is cleared with the attached IO Addendum to Note. CRED 0070 Exception Cleared; - 6/10/2022 - Exception is cleared with the attached IO Addendum to Note. CRED 0070 Exception Cleared; | Approved C |
| 900000642 | XXXX | 922687 | 05/12/2022 | Compliance | Disclosed Loan Estimate Projected Payments Table columns does not match the System Calculated number of columns (12 CFR 1026.37(c)(1)(i)) | TRID 0090 | 1 | Closed | Subject Note reflects loan as Fixed Rate however CD reflects 10 Yr IO Fixed Rate -- | 06/14/2022 | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; | 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0090 Exception Cleared;<br>06/01/22 CD with LOE to the borrower received.<br>\*\*Finding remains, Subject Note reflects loan as Fixed Rate however Payment Amount is an IO payment. Missing the IO Addendum to the Note. | 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0090 Exception Cleared; - 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0090 Exception Cleared; | Approved C |
| 900000642 | XXXX | 922688 | 05/12/2022 | Compliance | Adjustable Payment Table was disclosed but the system did not calculate an Adjustable Payment Table as loan does not contain any Interest Only features | TRID 0109 | 1 | Closed | Subject Note reflects loan as Fixed Rate however CD reflects 10 Yr IO Fixed Rate -- | 06/14/2022 | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; | 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0109 Exception Cleared;<br>06/01/22 CD with LOE to the borrower received.<br>\*\*Finding remains, Subject Note reflects loan as Fixed Rate however Payment Amount is an IO payment. Missing the IO Addendum to the Note. | 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0109 Exception Cleared;<br>- 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0109 Exception Cleared; | Approved C |
| 900000642 | XXXX | 922689 | 05/12/2022 | Compliance | Corrected Closing Disclosure No Later Than 3 Business Days Before Consummation (Inaccurate Loan Product) | TRID 0004 | 1 | Closed | Subject Note reflects loan as Fixed Rate however CD 10 Yr IO Fixed Rate --The Loan Product of (10 Year Interest Only, Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Negative Amortization, Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) | 06/14/2022 | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; | 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0004 Exception Cleared;<br>06/01/22 CD with LOE to the borrower received.<br>\*\*Finding remains, Subject Note reflects loan as Fixed Rate however Payment Amount is an IO payment. Missing the IO Addendum to the Note. | 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0004 Exception Cleared;<br>- 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0004 Exception Cleared; | Approved C |
| 900000642 | XXXX | 922690 | 05/12/2022 | Compliance | Last Closing Disclosure Total Interest Percentage (TIP) > System Calculated | TRID 0078 | 1 | Closed | Subject Note reflects loan as Fixed Rate however CD reflects 10 Yr IO Fixed Rate --The Last Closing Disclosure Total Interest Percentage (TIP) of (228.533%) is greater than the system calculated TIP of (-41.324%). The difference is (269.857%). The TIP is the total amount of interest that the borrower will pay over the loan term as a percentage of the note amount. It is the loan's total interest payments plus prepaid interest divided by the note amount, calculated as follows: (XXXX). (12 CFR 1026.38(o)(5)) | 06/14/2022 | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; | 6/10/2022 - Exception is cleared with the attached IO Addendum to Note. TRID 0078 Exception Cleared;<br>06/01/22 CD with LOE to the borrower received.<br>\*\*Finding remains, Subject Note reflects loan as Fixed Rate however Payment Amount is an IO payment. Missing the IO Addendum to the Note. | 05/31/22 Final settlement statement and PC CD with LOE to the borrower received (Dry Funding State). Finding cleared upon resubmission with final CD. - 05/31/22 Final settlement statement and PC CD with LOE to the borrower received (Dry Funding State). Finding cleared upon resubmission with final CD. | Approved C |
| 900000642 | XXXX | 922736 | 05/12/2022 | Credit | AUS is invalid - conditions were not met | QMATR 0014 | 1 | Closed | Missing updated AUS. | 06/10/2022 | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; |  | 06/09/22 Updated AUS findings received. - 06/09/22 Updated AUS findings received. | Approved C |
| 900000642 | XXXX | 936027 | 06/14/2022 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0123 | 1 | Closed |  | 06/14/2022 | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; |  |  | Approved C |
| 900000642 | XXXX | 936028 | 06/14/2022 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for increase to Recording Fee from $175 to $318 at closing.<br>The total amount of Closing Disclosure 10% Category fees ($1,038.00) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on XX/XX/XXXX, ($895.00). The total amount of fees in this category cannot exceed ($984.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). |  | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; | 7/16/2022 - Exception is overridden to EV2 with the attached copy of the refund check and courier tracking slip; tracking search confirms delivery to borrower completed within 60 days from discovery under 130(b) for the numerical error. PCCD and cover letter previously provided via stip presentment on xx/xx. Reopened rescission is not required as the fee did not impact APR. TRID 0204 Exception Overridden to EV2;<br>7/11/2022 - Recd PCCD and cover letter disclosing credit to cure. \*\* No exception cleared. Missing copy of refund check with evidence of delivery to borrower completed within 60 days of consummation. TRID 0124 Exception Remains; | Mitigated Risk: 7/16/2022 - Exception is overridden to EV2 with the attached copy of the refund check and courier tracking slip; tracking search confirms delivery to borrower completed xx/xx/xx, which is within 60 days from discovery under 130(b) for the numerical error. PCCD and cover letter previously provided via stip presentment on xx/xx. Reopened rescission is not required as the fee did not impact APR. TRID 0204 Exception Overridden to EV2; | Approved C B |
| 900000643 | XXXX | 931336 | 06/02/2022 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Lender disclosed Estimated Property Costs over Year 1 of xx, Review calculated $xx for the HOA per the appraisal. |  | Verified reserves - 31.69 months verified assets exceed the 6 months required verified reserves by AUS.; Verified employment history - Verified B1 self-employment history.; Verified credit history - Mid FICO of 715 exceeds the minimum required of 680 by 35 points.; | 06/29/22 Updated cover letter dated 06/22/22 received.<br>6/27/2022 - Attached cover letter is for CD issued xx/xx. \*\* No exception cleared. Missing is the cover letter addressed to borrower explaining the reason for re-disclosure on xx/xx. TRID 0204 Exception Remains;<br>6/22/2022 - Recd PCCD; Escrowed Property Costs Over 1 Year $xx. 3 days have not lapsed since issuance on 6/22, thus unable to apply the US Mailbox Rule. Missing is the cover letter addressed to borrower explaining the reason for re-disclosure. TRID 0204 Exception Remains;<br>06/16/22 PC CD and LOE to the borrower received. Updated CD reflects updated Non-Escrowed Property Costs of $xx. <br>\*\*Finding remains Escrows are collected in the first lien. The only non-escrowed costs are the HOA fees. Review calculated $xx for the HOA per the appraisal. | Client: EV2 Post closing corrective action- PC CD and LOE to the borrower dated xx/xx/xx reflecting corrected Estimated Property Costs over Year 1 of $xx received xx/xx/xx. | Approved C B |
| 900000643 | XXXX | 932044 | 06/03/2022 | Credit | Credit Documentation is Insufficient | CRED 0093 | 2 | Acknowledged | Missing Right to Copy of Appraisal Disclosure. |  | Verified reserves - 31.69 months verified assets exceed the 6 months required verified reserves by AUS.; Verified employment history - Verified B1 self-employment history.; Verified credit history - Mid FICO of 715 exceeds the minimum required of 680 by 35 points.; | 06/16/22 Copy of appraisal delivery received.<br>\*\* Finding remains, missing Appraisal Waiver Disclosure, or Right To Received Appraisal Disclosure (ECOA). | Client: Investor acknowledged exception. Confirmation of appraisal delivery to borrower confirmed. | Approved C B |
| 900000643 | XXXX | 932141 | 06/03/2022 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Lender to provide updated AUS approval with following items corrected:<br>1) Correct property type from detached SFR to detached PUD per appraisal.;<br>3) 1st lien PI payment. Lender used $xx and reviewer used xx per statement, Total 1st lien PITIA xx. | 06/20/2022 | Verified reserves - 31.69 months verified assets exceed the 6 months required verified reserves by AUS.; Verified employment history - Verified B1 self-employment history.; Verified credit history - Mid FICO of 715 exceeds the minimum required of 680 by 35 points.; |  | 06/16/22 Updated DU (Submission #20) received. - 06/16/22 Updated DU (Submission #20) received. | Approved C |
| 900000643 | XXXX | 933964 | 06/08/2022 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing updated Drive report with all alerts addressed. Report in file reflects Auto Refer with a score of "0". | 06/20/2022 | Verified reserves - 31.69 months verified assets exceed the 6 months required verified reserves by AUS.; Verified employment history - Verified B1 self-employment history.; Verified credit history - Mid FICO of 715 exceeds the minimum required of 680 by 35 points.; |  | 06/16/22 Updated fraud report received. - 06/16/22 Updated fraud report received. | Approved C |
| 900000688 | XXXX | 1021697 | 07/27/2023 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval and 1008. | 08/21/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; | 08/01/2023 Finding is partially cleared with the receipt of lender's loan approval.<br>\*\*Finding remains for missing 1008. | 08/16/23 Lender 1008 received. Final approved DTI per 1008 46.99/48.47. Loan approval previously received ##/##/##. - 08/16/23 Lender 1008 received. Final approved DTI per 1008 46.99/48.47. Loan approval previously received ##/##/##. | Approved D |
| 900000688 | XXXX | 1021702 | 07/27/2023 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing Exhibit A to the Deed of Trust. | 08/01/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; |  | 08/01/23 DOT with Exhibit A included received. - 08/01/23 DOT with Exhibit A included received. | Approved C |
| 900000688 | XXXX | 1021725 | 07/27/2023 | Property | Missing Property Condition | APPR 0020 | 1 | Closed | Missing verification of property condition. Must be average or better. | 10/06/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; |  | 10/06/23 Updated guidelines received. AVM with exterior property inspection is not required per the Loan Stream Closed in Second Matrix/Guide. - 10/06/23 Updated guidelines received. AVM with exterior property inspection is not required per the Loan Stream Closed in Second Matrix/Guide. | Approved C |
| 900000688 | XXXX | 1021729 | 07/27/2023 | Credit | Missing Initial 1003 Application | APP 0003 | 1 | Closed | Missing LO executed Initial 1003 Application to verify the app date. | 08/14/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; | 08/01/23 1003 received is not signed or dated by the LO to verify the application date. <br>\*\*Finding remains, missing LO signed and dated 1003 as required to verify the app date. (1003 was esigned by borrower ##/##/##) | 08/14/23 Initial 1003 esigned by the borrower ##/##/## received. - 08/14/23 Initial 1003 esigned by the borrower ##/##/## received. | Approved C |
| 900000688 | XXXX | 1021733 | 07/27/2023 | Credit | Missing Payoff/Demand Statement | DMND 0003 | 1 | Closed | Missing copy of most recent statement for (creditor) A/# ending in ####. LQ credit report dated ##/##/## reflects a balance of XXXX. Final CD reflects payoff of XXX which is not sufficient to exclude the debt in qualification. | 10/06/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; | 08/30/23 Duplicate copy of LQ report dated ##/##/## reflecting balance of $XXXX and payment of $XX received.<br>\*\*Finding remains, Missing copy of most recent statement for (creditor) A/# ending in #### to verify the payoff of $XXX was sufficient to payoff the account balance. | 10/06/23 Review updated to include qualifying payment of $XX in the final DTI - 10/06/23 Review updated to include qualifying payment of $XX in the final DTI | Approved C |
| 900000688 | XXXX | 1021734 | 07/27/2023 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing VVOE completed w/in 10 days of closing ##/##/##. | 08/01/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; |  | 08/01/23 VVOE completed ##/##/## received. - 08/01/23 VVOE completed ##/##/## received. | Approved C |
| 900000688 | XXXX | 1021761 | 07/27/2023 | Compliance | Missing Intent to Proceed | TRID 0130 | 1 | Closed | Missing the intent to proceed. | 08/14/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; |  | 08/14/23 ITP received. - 08/14/23 ITP received. | Approved C |
| 900000688 | XXXX | 1021762 | 07/27/2023 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | Missing E-Sign Disclosure if esign was utilized. | 08/01/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; |  | 08/01/23 DocuSign tracking confirming borrower consent ##/##/## received. - 08/01/23 DocuSign tracking confirming borrower consent ##/##/## received. | Approved C |
| 900000688 | XXXX | 1021768 | 07/27/2023 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Review calculated DTI of 48.42% exceeds the max allowed DTI of 45%. | 10/06/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; | 08/22/23 Recd from lender: This is a Second Lien, The MAX DTI is 50% - Please clear.<br>\*\*Finding remains, Max allowed max allowed DTI of 45% (investor) Closed End Second Lien Guidelines_V 2.0_ ##.##.##.<br>08/16/23 Lender final 1008 received. Final approved DTI per 1008 46.99/48.47. Max allowed DTI 45%. | 10/06/23 Updated guidelines received. Max allowed DTI for LTV < 80% is 50%. Subject DTI 48.42%. - 10/06/23 Updated guidelines received. Max allowed DTI for LTV < 80% is 50%. Subject DTI 48.42%. | Approved C |
| 900000688 | XXXX | 1021769 | 07/27/2023 | Compliance | Initial Loan Estimate Sent Date > 3 Business Days from Application Date (Enterprise Rule) | TRID 0027 | 1 | Closed | Missing the initial LE and any subsequent LE's. (Only the LE dated ##/##/## with COC dated ##/##/## for rate lock were presented for review.) | 08/01/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; |  | 08/01/23 LE dated ##/##/## received. - 08/01/23 LE dated ##/##/## received. | Approved C |
| 900000688 | XXXX | 1021771 | 07/27/2023 | Compliance | Initial CD Received Date is < 3 business days prior to Consummation Date | TRID 0008 | 1 | Closed | Missing the initial and subsequent CD's issued. Only the final CD dated ##/##/## was presented for review. | 08/01/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; |  | 08/01/23 CD dated ##/##/## received. - 08/01/23 CD dated ##/##/## received. | Approved C |
| 900000688 | XXXX | 1021781 | 07/27/2023 | Compliance | Missing Evidence of Initial Disclosure(s) | TRID 0187 | 1 | Closed | Missing copies of all initial disclosures dated w/in 3 business days of the application. (Only the Notice to home Loan Applicant, Homeownership Counseling Organization List dated ##/##/## and Fact's disclosure dated ##/##/## were presented for review. (Missing ABD, SPL, HLTK, esign, etc) | 10/11/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; | 10/09/2023 - Exception is cleared with the attached copy of the SPL. TRID 0187 Exception Cleared;<br>10/06/23 DocuSign tracking to verify the date that the borrower consented to receiving documents electronically provided. Document also verifies the delivery of the HLTK. <br>\*\*Finding partially cleared. 1 Critical Document remains outstanding, Missing copy of the Settlement Service Provider List aka "SPL".<br>08/30/23 Duplicate copies of borrower executed initial 1003 and other disclosures dated ##/##/## received. \*\*Finding remains, Missing copies of these specific initial disclosures: SPL, HLTK or acknowledgment of receipt, esign disclosure (Or esign tracking to verify the date that the borrower consented to receiving documents electronically.<br>8/16/23 Copy of initial CD dated ##/##/## received.<br>\*\*Finding remains, Missing copies of the initial disclosures issued w/in 3 days of the loan application such as the SPL, HLTK or acknowledgment of receipt, esign, etc.<br>08/14/23 ITP submitted with borrower executed 1003 and disclosures dated ##/##/##. Facts disclosures verifies not affiliates. <br>\*\*Finding remains, Missing copies of the SPL, HLTK or acknowledgment of receipt, esign, etc. | 10/09/2023 - Exception is cleared with the attached copy of the SPL. TRID 0187 Exception Cleared; - 10/09/2023 - Exception is cleared with the attached copy of the SPL. TRID 0187 Exception Cleared; | Approved C |
| 900000688 | XXXX | 1021796 | 07/27/2023 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Missing AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation and Must be an approved AVM provider) | 10/06/2023 | Verified reserves - 82 mths verified reserves w/cash out proceeds.; | 08/30/23 Recd from lender: BEING THAT THIS IS A CLOSED-END SECOND ONLY AVM'S ARE REQUIRED IN WHICH THERE ARE TWO, KINDLY SEE ATTACHED)<br>\*\*\*\*Finding remains as AVMs do not meet guideline requirements for an exterior property inspection indicating average condition or better. See Appraisal requirements (investor) Closed End Second Lien guidelines_V2.0_Effective ##.##.##. <br>08/14/23 Duplicate copy of the (vendor) AVM dated ##/##/## received.<br>\*\*Finding remains as AVM does not meet guideline requirements for an exterior property inspection indicating average condition or better. ((vendor) Plus AVM product meets guidelines requirements) | 10/06/23 Updated guidelines received. AVM with exterior property inspection is not required per the Loan Stream Closed in Second Matrix/Guide. - 10/06/23 Updated guidelines received. AVM with exterior property inspection is not required per the Loan Stream Closed in Second Matrix/Guide. | Approved C |
| 900000687 | XXXX | 1024027 | 08/15/2023 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Disclosed amount $XXXX / Calculated amount $XXXX (11 mos), variance $XXX due to qualifying property tax payment. Lender used lower tax amount of $XXX. Review used taxes of $XX as per Tax Cert. | 08/25/2023 | Verified employment history - B1 VOE confirms 8+ years employment with present employer.; Verified credit history - 706 mid FICO w/a minimum requirement of 660.; Low LTV/CLTV/HCLTV - 22.39% LTV / 63.38% CLTV. Max allowed CLTV 90%.; | 8/23/2023 - Recd updated 1008/1003; property taxes corrected to $XXX. Exception is cleared. Estimated Taxes, Insurance, and Assessments not in escrow are outside of scope. TRID 0204 Exception Cleared; | 8/23/2023 - Recd updated 1008/1003; property taxes corrected to $XXX. Exception is cleared. Estimated Taxes, Insurance, and Assessments not in escrow are outside of scope. TRID 0204 Exception Cleared; - 8/23/2023 - Recd updated 1008/1003; property taxes corrected to $XXX. Exception is cleared. Estimated Taxes, Insurance, and Assessments not in escrow are outside of scope. TRID 0204 Exception Cleared; | Approved C |
| 900000687 | XXXX | 1024087 | 08/16/2023 | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 2 | Acknowledged | Missing insurer's RCE. Dwelling coverage of $XXX is not sufficient to cover the minimum (agency) requirement of 80% of the Replacement cost new per the Appraisal. |  | Verified employment history - B1 VOE confirms 8+ years employment with present employer.; Verified credit history - 706 mid FICO w/a minimum requirement of 660.; Low LTV/CLTV/HCLTV - 22.39% LTV / 63.38% CLTV. Max allowed CLTV 90%.; | 08/25/23 Recd from lender: (investor) underwrites to (lender)'s guidelines, please consult with management.<br>\*\*Finding remains, Email sent to (investor) for review. Insurer's replacement cost estimate required. Coverage ###K, Cost new per appraisal $###,### x 80% = $###,###<br>B7-3-02, Property Insurance Requirements for One-to Four-Unit Properties (##/##/####)<br>The minimum required property insurance coverage amount for a first mortgage secured by a one- to four-unit property must be equal to the lesser of:<br>-100% of the replacement cost value of the improvements, or<br>- the unpaid principal balance of the loan, provided it equals no less than 80% of the replacement cost value of the improvements.<br>8/17/2023 - "We used the appraised value for coverage". Included is a snippet from unknown guideline. \*\* Review guideline, (investor) Closed End Second Lien Guidelines_V2.0_Effective 05.01.23, defers to (agency). Per (agency), The minimum required property insurance coverage amount must be equal to the lesser of:<br>-100% of the replacement cost value of the improvements, or<br>- the unpaid principal balance of the loan, provided it equals no less than 80% of the replacement cost value of the improvements.<br>80% Cost New of $###,### < UPB $###,###, thus minimum coverage required $###,### - OR - provide insurers replacement cost estimate to evidence coverage of $###,### is sufficient. HAZ 0004 Exception Remains; | Exception set in error. Ins coverage is > than the combined loan amounts so coverage is sufficient. Coverage $###K, Comb loans $###,### (Sr $###,### + Subject $##,###). - Client: Investor acknowledged exception for the insurance coverage being $Xk less than the required amount. The insurance shortage is not significant and this one has a low CLTV (63.38).<br>Exception set in error. Ins coverage is > than the combined loan amounts so coverage is sufficient. Coverage $###K, Comb loans $###,### (Sr $###,### + Subject $##,###). | Approved C B |
| 900000687 | XXXX | 1024089 | 08/16/2023 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing WVOE to breakdown base and overtime earnings for B1. Paystubs include Overtime in YTD Income, thus unable to develop an average of Regular Income. |  | Verified employment history - B1 VOE confirms 8+ years employment with present employer.; Verified credit history - 706 mid FICO w/a minimum requirement of 660.; Low LTV/CLTV/HCLTV - 22.39% LTV / 63.38% CLTV. Max allowed CLTV 90%.; | 9/13/2023 - Received response from investor, "The borrower's two most recent paystubs show that the borrower is consistently working a minimum of 40 hours a week. Although the YTD does not separate base and overtime, the borrower works 40 hours a week. In addition, only the base salary was used to qualify. The ($#,###.##)/mo used to qualify is supported by the YTD earnings." \*\* Agree, YTD earnings support base wages used for qualifying. CRED 0082 Exception Overridden to EV2 - Investor Acknowledged Exception; <br>8/23/2023 - "(investor) is only buying to (lender)'s guidelines. We used base pay only in qualifying calculated from the paystubs that has nothing to do with using year to date figures." \*\* No exception cleared. Investor defers to (agency). Seller guidelines were not provided by the investor to utilize for review. CRED 0082 Exception Remains;<br>8/17/2023 - "Regarding the income calc- I used borrowers base pay only for qualifying. We dont need WVOE with income breakdown because I did not use any overtime or an average of the income for qualifying. Using her base pay without a WVOE is acceptable since I did not use any of the variable income for qualifying. Based on the paystubs, the borrowers regular hours do not vary so that is why I used base only- not using any OT for qualifying." \*\* Disagree, YTD average of base income cannot be developed with overtime income included in base gross income. Per (agency), All calculations must be compared with the documented year-to-date base earnings (and past year earnings, if applicable) to determine if the income amount appears to be consistent. CRED 0082 Exception Remains; | Client: 9/13/2023 - Received response from investor, "The borrower's two most recent paystubs show that the borrower is consistently working a minimum of 40 hours a week. Although the YTD does not separate base and overtime, the borrower works 40 hours a week. In addition, only the base salary was used to qualify. The ($#,###.##)/mo used to qualify is supported by the YTD earnings." \*\* Agree, YTD earnings support base wages used for qualifying. CRED 0082 Exception Overridden to EV2 - Investor Acknowledged Exception; | Approved C B |
| 900000687 | XXXX | 1024102 | 08/16/2023 | Credit | Guideline Exception(s) | GIDE 0001 | 1 | Closed | Missing #### earning documentation for B1. Guidelines required documented two-years prior earning for B1, only YTD paystubs and #### W2 provided. | 09/07/2023 | Verified employment history - B1 VOE confirms 8+ years employment with present employer.; Verified credit history - 706 mid FICO w/a minimum requirement of 660.; Low LTV/CLTV/HCLTV - 22.39% LTV / 63.38% CLTV. Max allowed CLTV 90%.; | 8/22/2023 - "(investor) UNDERWRITES TO NDM'S GUIDELINES, PLEASE REFER TO MANAGEMENT". \*\* No exception cleared. Review completed with investor guidelines. Escalating to investor for review. GIDE 0001 Exception Remains;<br>8/17/2023 - "Attached, we used full doc 1 year. included is a snippet of (lender) Non-QM Home Equity Second Mortgage UW Guidelines. \*\* No exception cleared. Loan reviewed to investors guidelines, (investor) Closed End Second Lien Guidelines_V2.0_Effective ##.##.##. Per investor guide, Two- years prior earnings required. GIDE 0001 Exception Remains; | 09/07/23 Updated guidelines provided. Only 1 year required for full doc. - 09/07/23 Updated guidelines provided. Only 1 year required for full doc. | Approved C |
| 900000684 | XXXX | 1024128 | 08/16/2023 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | 1) Missing social security verification for B2.<br>2) Missing updated drive report with full employer name submitted. Verification of business name / legitimacy could not be completed due to abbreviated employer name. | 09/06/2023 | Verified employment history - VOE's confirm 21+ years for B1 and 6+ years for B2 with present employer.; Verified credit history - Middle credit scores 773/749 > 700 Minimum Required.; | 8/29/2023 - Recd SS Verification for B2. FRAUD 0001 Exception Cleared;<br>8/18/2023 - Recd (3rd party) report for B2 reflecting an elevated identity risk; SSN has red flags associated with it such as being invalid, associated with multiple (3rd party ID), or being issued prior to the date of birth. \*\* Provide SSA-89 Social Verification for B2. FRAUD 0001 Exception Remains;<br>8/17/2023 - Recd internet printout from company profile for (employer abbreviation) to document how fraud finding 2402 was addressed. \*\* Still missing social security verification for B2. FRAUD 0001 Exception Remains; | 8/29/2023 - Recd SS Verification for B2. FRAUD 0001 Exception Cleared; - 8/29/2023 - Recd SS Verification for B2. FRAUD 0001 Exception Cleared; | Approved C |
| 900000685 | XXXX | 1024111 | 08/16/2023 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Missing borrower signed initial 1003. | 08/25/2023 | Verified credit history - Middle Credit Score 749 > 660 Minimum Required.; Low LTV/CLTV/HCLTV - 19.46% LTV / 74.39% CLTV < 90% Maximum Allowed; |  | 08/22/23 Borrower executed 1003 received. Per lender response borrower signed initial 1003 with closing docs. - 08/22/23 Borrower executed 1003 received. Per lender response borrower signed initial 1003 with closing docs. | Approved C |
| 900000685 | XXXX | 1024120 | 08/16/2023 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | COC dated xx/xx does not satisfactorily explain the reason for the decrease to lender credit from $XXXX to $XXX. | 08/25/2023 | Verified credit history - Middle Credit Score 749 > 660 Minimum Required.; Low LTV/CLTV/HCLTV - 19.46% LTV / 74.39% CLTV < 90% Maximum Allowed; | 8/22/2023 - "An increase in DTI will change pricing and this is a valid coc. See the Lock Confirmations which show the DTI hit." Included is the pricing sheet dated XX/XX with DTI 32.13% and Net Price of 101.000 and lock confirmation dated XX/XX with DTI 43.01-45% and Net Price 100.200. TRID 0121 Exception Cleared; | 8/22/2023 - "An increase in DTI will change pricing and this is a valid coc. See the Lock Confirmations which show the DTI hit." Included is the pricing sheet dated XX/XX with DTI 32.13% and Net Price of 101.000 and lock confirmation dated XX/XX with DTI 43.01-45% and Net Price 100.200. TRID 0121 Exception Cleared; - 8/22/2023 - "An increase in DTI will change pricing and this is a valid coc. See the Lock Confirmations which show the DTI hit." Included is the pricing sheet dated XX/XX with DTI 32.13% and Net Price of 101.000 and lock confirmation dated XX/XX with DTI 43.01-45% and Net Price 100.200. TRID 0121 Exception Cleared; | Approved C |
| 900000685 | XXXX | 1024480 | 08/18/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification that the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified credit history - Middle Credit Score 749 > 660 Minimum Required.; Low LTV/CLTV/HCLTV - 19.46% LTV / 74.39% CLTV < 90% Maximum Allowed; | 08/18/23 AIR cert received. Finding remains EV2 as appraisal is missing appraiser certification that the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. | Mitigated Risk: | Approved C B |
| 900000685 | XXXX | 1024491 | 08/18/2023 | Credit | Final 1003 Application is Incomplete | APP 0002 | 1 | Closed | Final 1003 included overtime income with the base income. 1003 should list base and overtime income separately. | 08/25/2023 | Verified credit history - Middle Credit Score 749 > 660 Minimum Required.; Low LTV/CLTV/HCLTV - 19.46% LTV / 74.39% CLTV < 90% Maximum Allowed; |  | 08/22/23 Corrected 1003 received with Base and overtime income broken out. - 08/22/23 Corrected 1003 received with Base and overtime income broken out. | Approved C |
| 900000700 | XXXX | 1030618 | 09/27/2023 | Credit | Missing or Incomplete 4506-T/4506-C | CRED 0095 | 1 | Closed | Missing B1/B2 4506-C form executed at closing. Loan file provided for review only has B1 4560-C signed prior to closing #/##/####. Per guideline, The IRS form 4506-C is required for all Borrowers. | 10/11/2023 | Verified housing payment history - Credit report confirms 25 months satisfactory mortgage rating on 1st Lien and 12 months on 2nd Lien. No history of delinquency reported on prior closed mortgages.; | 10/10/2023 - Exception is cleared with the attached 4506-C forms executed prior to closing. CRED 0095 Exception Cleared; | 10/10/2023 - Exception is cleared with the attached 4506-C forms executed prior to closing. CRED 0095 Exception Cleared; - 10/10/2023 - Exception is cleared with the attached 4506-C forms executed prior to closing. CRED 0095 Exception Cleared; | Approved C |
| 900000700 | XXXX | 1030620 | 09/27/2023 | Compliance | "When Your Home Is On the Line" Is Missing | HELC 0001 | 1 | Closed | Missing "When Your Home Is On the Line" disclosure. Loan file contains Home Loan Toolkit. | 10/11/2023 | Verified housing payment history - Credit report confirms 25 months satisfactory mortgage rating on 1st Lien and 12 months on 2nd Lien. No history of delinquency reported on prior closed mortgages.; | 10/10/2023 - Exception set in error. HELC 0001 Exception Cleared; | 10/10/2023 - Exception set in error. HELC 0001 Exception Cleared; - 10/10/2023 - Exception set in error. HELC 0001 Exception Cleared; | Approved C |
| 900000700 | XXXX | 1030623 | 09/27/2023 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | B1 is indicated to be employed with (employer) since ##/#/####. Credit report installment tradeline, (creditor ####), reflects, "XX". Missing letter of explanation addressing credit report message to confirm that there was no employment gap not disclosed on the VOE.<br>| 11/13/2023 | Verified housing payment history - Credit report confirms 25 months satisfactory mortgage rating on 1st Lien and 12 months on 2nd Lien. No history of delinquency reported on prior closed mortgages.; | 11/13/2023 - Recd response from investor, "Could you please review the exception that is posted in mTrade below? The VOE does not show any employment gaps and the guidelines have been met. \*\* Agree. Recall to service most recent 2 years and VOE confirms most recent 2 years employment. CRED 0104 Exception Cleared; <br>10/11/2023 - Missing confirmation from the employer if B1 time with employer includes any period of absence. Most recent two years employment verification required. Credit report indicates SCRA rights exercised, thus indicating possible employment gap. CRED 0104 Exception Remains;<br>10/10/2023 - "B1 is XX for (employer). B2 XX with (employer)." \*\* No exception cleared. Posted response does not address possible employment gap indicated on the credit report, "Recalled to Military Active Duty". CRED 0104 Exception Remains; | 11/13/2023 - Recd response from investor, "Could you please review the exception that is posted in mTrade below? The VOE does not show any employment gaps and the guidelines have been met. \*\* Agree. Recall to service most recent 2 years and VOE confirms most recent 2 years employment. CRED 0104 Exception Cleared; <br>- 11/13/2023 - Recd response from investor, "Could you please review the exception that is posted in mTrade below? The VOE does not show any employment gaps and the guidelines have been met. \*\* Agree. Recall to service most recent 2 years and VOE confirms most recent 2 years employment. CRED 0104 Exception Cleared; | Approved C |
| 900000700 | XXXX | 1030625 | 09/27/2023 | Credit | Credit Score (FICO) exception | CRED 0003 | 1 | Closed | B2 middle credit score 602 < 700 Minimum required. Investor defers to (agency). Per (agency), If there are multiple borrowers, determine the applicable credit score for each individual borrower and select the lowest applicable score from the group as the representative credit score for the loan. | 10/24/2023 | Verified housing payment history - Credit report confirms 25 months satisfactory mortgage rating on 1st Lien and 12 months on 2nd Lien. No history of delinquency reported on prior closed mortgages.; | 10/24/2023 - Recd new GL, "Credit report – a triple merge credit report is required for all applicants and will use a middle score to issue final approval. If more than one applicant, the middle highest credit score will be used to issue final approval." \*\* B1 middle credit score 702. Exception is cleared. CRED 0003 Exception Cleared;<br>10/10/2023 - "Please request exception for credit score if possible new guidelines." \*\* Recd new guidelines. Minimum FICO required 680. Escalated to investor for review. CRED 0003 Exception Remains; | 10/24/2023 - Recd new GL, "Credit report – a triple merge credit report is required for all applicants and will use a middle score to issue final approval. If more than one applicant, the middle highest credit score will be used to issue final approval." \*\* B1 middle credit score 702. Exception is cleared. CRED 0003 Exception Cleared;<br>- 10/24/2023 - Recd new GL, "Credit report – a triple merge credit report is required for all applicants and will use a middle score to issue final approval. If more than one applicant, the middle highest credit score will be used to issue final approval." \*\* B1 middle credit score 702. Exception is cleared. CRED 0003 Exception Cleared; | Approved C |
| 900000700 | XXXX | 1030628 | 09/27/2023 | Credit | Missing Employment doc (VOE) | CRED 0007 | 1 | Closed | Missing investor approved exception for missing WVOE(s). Loan file contains LES, W2, and Wage Transcript for B1 and LES, W2, and YTD WVOE for B1. Processor cert in file states, "Income verification is not available for (B2) as she is XX with (employer). I spoke with (name) at the (center ###-###-#### x# x#) to confirm." Borrowers are both XXXX. Without WVOE the non-taxable income used for B2 in qualifying is only documented two months. Loan does not qualify without the use of B2 non-taxable income.<br>Investor defers to (agency), The standards for employment documentation are the same for DU loan casefiles as they are for manually underwritten loan. Base Pay (Salary or Hourly) Income DU will require the following:<br>a completed Request for Verification of Employment (Form 1005), <br>the borrower's recent paystub and W-2 forms covering the most recent one-year period, or<br>the borrower's recent Leave and Earnings Statement for XX income. | 10/11/2023 | Verified housing payment history - Credit report confirms 25 months satisfactory mortgage rating on 1st Lien and 12 months on 2nd Lien. No history of delinquency reported on prior closed mortgages.; | 10/10/2023 - "B1 is XX. B2 is (employer) and receives XX pay. See VOEs." \*\* Agree. Recd new guidelines, WVOE only required where W2 or most recent tax returns not provided. Loan file contains paystubs and most recent year W2. CRED 0007 Exception Cleared; | 10/10/2023 - "B1 is XX. B2 is (employer) and receives XX pay. See VOEs." \*\* Agree. Recd new guidelines, WVOE only required where W2 or most recent tax returns not provided. Loan file contains paystubs and most recent year W2. CRED 0007 Exception Cleared; - 10/10/2023 - "B1 is XX. B2 is (employer) and receives XX pay. See VOEs." \*\* Agree. Recd new guidelines, WVOE only required where W2 or most recent tax returns not provided. Loan file contains paystubs and most recent year W2. CRED 0007 Exception Cleared; | Approved C |
| 900000689 | XXXX | 1031688 | 10/05/2023 | Credit | Credit Score (FICO) exception | CRED 0003 | 1 | Closed | Credit Score 689 < 700 minimum required per guideline (B1 689 / B2 753). Per (agency), If there are multiple borrowers, determine the applicable credit score for each individual borrower and select the lowest applicable score from the group as the representative credit score for the loan. | 10/10/2023 |  |  | 10/10/23 Updated guidelines received. Minimum FICO per the (lender) guidelines is 680. - 10/10/23 Updated guidelines received. Minimum FICO per the (lender) guidelines is 680. | Approved C |
| 900000689 | XXXX | 1031953 | 10/09/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. | 10/11/2023 |  | 10/10/2023 - Exception is cleared with the attached CU score of 1.6. APPR 0046 Exception Cleared; | 10/10/2023 - Exception is cleared with the attached CU score of 1.6. APPR 0046 Exception Cleared; - 10/10/2023 - Exception is cleared with the attached CU score of 1.6. APPR 0046 Exception Cleared; | Approved C |
| 900000693 | XXXX | 1032157 | 10/09/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation as required by securitization to support original appraisal value of $XXXX. | 10/11/2023 | Verified employment history - Borrower has been employed for 7+ years and Co-borrower for 17+ years with same employers. ; Net tangible benefit - Borrowers received cash out on subject transaction of $XXXX that provides additional reserves. ; | 10/11/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared; | 10/11/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared; - 10/11/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared; | Approved C |
| 900000693 | XXXX | 1032222 | 10/10/2023 | Credit | Unacceptable Mortgage History | CRED 0001 | 2 | Acknowledged | Missing additional 12 months satisfactory mortgage payment history for total of 24 months. VOM in file reflects 12 months prior history. Guidelines require 0x30x24 for prior housing.&nbsp;&nbsp;&nbsp;&nbsp; |  | Verified employment history - Borrower has been employed for 7+ years and Co-borrower for 17+ years with same employers. ; Net tangible benefit - Borrowers received cash out on subject transaction of $XXXX that provides additional reserves. ; | 10/11/2023 - "At the time our guidelines only required history for 12 months. Please request exception to waive." \*\* Exception escalated to investor for review. CRED 0001 Exception Remains; | Client: Investor Acknowledged Exception based on 12 mths verified housing 0x30. | Approved C B |
| 900000693 | XXXX | 1032234 | 10/10/2023 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing Borrower's 30 days of paystubs as required per guidelines dated within 60 days of Note date. |  | Verified employment history - Borrower has been employed for 7+ years and Co-borrower for 17+ years with same employers. ; Net tangible benefit - Borrowers received cash out on subject transaction of $XXXX that provides additional reserves. ; |  | Client: EV2 WVOE obtained in lieu of pay stubs. | Approved C B |
| 900000693 | XXXX | 1032241 | 10/10/2023 | Credit | Missing or Incomplete 4506-T/4506-C | CRED 0095 | 1 | Closed | Missing copy of borrowers executed 4506-T/4506-C. | 10/25/2023 | Verified employment history - Borrower has been employed for 7+ years and Co-borrower for 17+ years with same employers. ; Net tangible benefit - Borrowers received cash out on subject transaction of $XXXX that provides additional reserves. ; | 10/11/2023 - "Transcripts not requested as our underwriting guidelines didnt require at that time, and IT working on adding 4506C to closing. Please request exception to waive." \*\* Exception escalated to investor for review. CRED 0095 Exception Remains; | 10/25/23 Exception set in error based on initial review to LRCP guidelines. Not required per TSFB guidelines as borrower is not self-employed and no rental income was used to qualify. - 10/25/23 Exception set in error based on initial review to LRCP guidelines. Not required per TSFB guidelines as borrower is not self-employed and no rental income was used to qualify. | Approved C |
| 900000693 | XXXX | 1032244 | 10/10/2023 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing updated Fraud Report reflecting all alerts satisfactorily addressed with updated score. | 10/11/2023 | Verified employment history - Borrower has been employed for 7+ years and Co-borrower for 17+ years with same employers. ; Net tangible benefit - Borrowers received cash out on subject transaction of $XXXX that provides additional reserves. ; | 10/11/2023 - "Most updated Fraud is in the package. At the time file was underwritten we allowed for 2 years post BK, and guidelines have since updated to match FNMA 7 yrs. Please request exception to waive." \*\* Exception re-reviewed and cleared. Fraud summary reflects high severity alert as cleared, "meets waiting period requirements". Review confirmed BK Discharge XX/XX to App Date > 7 yrs. FRAUD 0001 Exception Cleared; | 10/11/2023 - "Most updated Fraud is in the package. At the time file was underwritten we allowed for 2 years post BK, and guidelines have since updated to match FNMA 7 yrs. Please request exception to waive." \*\* Exception re-reviewed and cleared. Fraud summary reflects high severity alert as cleared, "meets waiting period requirements". Review confirmed BK Discharge XX/XX to App Date > 7 yrs. FRAUD 0001 Exception Cleared; - 10/11/2023 - "Most updated Fraud is in the package. At the time file was underwritten we allowed for 2 years post BK, and guidelines have since updated to match FNMA 7 yrs. Please request exception to waive." \*\* Exception re-reviewed and cleared. Fraud summary reflects high severity alert as cleared, "meets waiting period requirements". Review confirmed BK Discharge XX/XX to App Date > 7 yrs. FRAUD 0001 Exception Cleared; | Approved C |
| 900000694 | XXXX | 1032120 | 10/09/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. | 10/11/2023 | Verified credit history - 787 mid-score with guideline requiring 680. All credit reported paid 0x30 for history. Oldest tradeline reported back to 04/1995 to support a 28 year credit history. ; | 10/10/2023 - Exception is cleared with the attached CU score of 1.7. APPR 0046 Exception Cleared; | 10/10/2023 - Exception is cleared with the attached CU score of 1.7. APPR 0046 Exception Cleared; - 10/10/2023 - Exception is cleared with the attached CU score of 1.7. APPR 0046 Exception Cleared; | Approved C |
| 900000694 | XXXX | 1032136 | 10/09/2023 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing updated Fraud Report/score to confirm all alerts are satisfactorily addressed. | 10/11/2023 | Verified credit history - 787 mid-score with guideline requiring 680. All credit reported paid 0x30 for history. Oldest tradeline reported back to 04/1995 to support a 28 year credit history. ; | 10/11/2023 - Exception set in error. Fraud report located on page 187. No high severity alerts. Review confirmed phone number was entered correctly. FRAUD 0001 Exception Cleared; | 10/11/2023 - Exception set in error. Fraud report located on page 187. No high severity alerts. Review confirmed phone number was entered correctly. FRAUD 0001 Exception Cleared; - 10/11/2023 - Exception set in error. Fraud report located on page 187. No high severity alerts. Review confirmed phone number was entered correctly. FRAUD 0001 Exception Cleared; | Approved C |
| 900000694 | XXXX | 1032145 | 10/09/2023 | Credit | Missing or Incomplete 4506-T/4506-C | CRED 0095 | 1 | Closed | Missing guideline required borrower executed 4506-T/4506-C. | 10/26/2023 | Verified credit history - 787 mid-score with guideline requiring 680. All credit reported paid 0x30 for history. Oldest tradeline reported back to 04/1995 to support a 28 year credit history. ; | 10/19/2023 - "Per our management direction underwriters began asking for Transcripts for files Underwritten x/xx/xxxx. This file was initially underwritten prior to that date so no transcripts or 4506C are available". \*\* Agree. Recd new GL. 4506-C is only required for self-employed borrower and where rental income is considered. CRED 0095 Exception Cleared;<br>10/10/2023 - "Transcripts not requested for this file. Please request exception to proceed without 4506C. IT still working on adding back 4506C to closing package." CRED 0095 Exception Remains; | 10/19/2023 - "Per our management direction underwriters began asking for Transcripts for files Underwritten x/xx/xxxx. This file was initially underwritten prior to that date so no transcripts or 4506C are available". \*\* Agree. Recd new GL. 4506-C is only required for self-employed borrower and where rental income is considered. CRED 0095 Exception Cleared; - 10/19/2023 - "Per our management direction underwriters began asking for Transcripts for files Underwritten x/xx/xxxx. This file was initially underwritten prior to that date so no transcripts or 4506C are available". \*\* Agree. Recd new GL. 4506-C is only required for self-employed borrower and where rental income is considered. CRED 0095 Exception Cleared; | Approved C |
| 900000690 | XXXX | 1031980 | 10/09/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. | 10/11/2023 | Verified credit history - 800 FICO w/a minimum of 680.; | 10/10/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared; | 10/10/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared; - 10/10/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared; | Approved C |
| 900000690 | XXXX | 1032024 | 10/09/2023 | Credit | Missing or Incomplete 4506-T/4506-C | CRED 0095 | 1 | Closed | Missing guideline required executed 4506-T/4506-C by both borrowers. | 10/11/2023 | Verified credit history - 800 FICO w/a minimum of 680.; | 10/10/2023 - Exception is cleared with the attached copies of the borrower signed 4506-C forms. CRED 0095 Exception Cleared; | 10/10/2023 - Exception is cleared with the attached copies of the borrower signed 4506-C forms. CRED 0095 Exception Cleared; - 10/10/2023 - Exception is cleared with the attached copies of the borrower signed 4506-C forms. CRED 0095 Exception Cleared; | Approved C |
| 900000691 | XXXX | 1031929 | 10/09/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing satisfactory 3rd Party Valuation report as required for securitization to support original Appraisal value of $XXXX. | 10/11/2023 | Verified reserves - 13+ months of verified reserves remain after closing from borrower checking account and subject loan cashout proceeds. Guidelines require 2 months. ; Verified credit history - 743 FICO w/a minimum requirement of 680.; | 10/10/2023 - Exception is cleared with the attached CU score of 2.2. APPR 0046 Exception Cleared; | 10/10/2023 - Exception is cleared with the attached CU score of 2.2. APPR 0046 Exception Cleared; - 10/10/2023 - Exception is cleared with the attached CU score of 2.2. APPR 0046 Exception Cleared; | Approved C |
| 900000691 | XXXX | 1031945 | 10/09/2023 | Credit | Missing or Incomplete 4506-T/4506-C | CRED 0095 | 1 | Closed | Missing guideline required executed 4506. File contains transcripts. | 10/11/2023 | Verified reserves - 13+ months of verified reserves remain after closing from borrower checking account and subject loan cashout proceeds. Guidelines require 2 months. ; Verified credit history - 743 FICO w/a minimum requirement of 680.; | 10/10/2023 - Exception is cleared with the attached copy of the borrower executed 4506-C form. CRED 0095 Exception Cleared; | 10/10/2023 - Exception is cleared with the attached copy of the borrower executed 4506-C form. CRED 0095 Exception Cleared; - 10/10/2023 - Exception is cleared with the attached copy of the borrower executed 4506-C form. CRED 0095 Exception Cleared; | Approved C |
| 900000692 | XXXX | 1031841 | 10/06/2023 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Missing investor acknowledgment for approved DTI 46.683% > 45% Max Allowed. | 10/10/2023 | Verified credit history - Middle credit score 744 > 700, no history of delinquency reported.; |  | 10/10/23 Updated guidelines received. Max allowed DTI per guide 50%. - 10/10/23 Updated guidelines received. Max allowed DTI per guide 50%. | Approved C |
| 900000692 | XXXX | 1031847 | 10/06/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulation. |  | Verified credit history - Middle credit score 744 > 700, no history of delinquency reported.; |  | Client: EV2 Non-Material | Approved C B |
| 900000692 | XXXX | 1031952 | 10/09/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. | 10/11/2023 | Verified credit history - Middle credit score 744 > 700, no history of delinquency reported.; | 10/10/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared; | 10/10/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared; - 10/10/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared; | Approved C |
| 900000696 | XXXX | 1031902 | 10/08/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified housing payment history - Per CBR borrower has 100+ mths of mtg history verified 0x30.; Verified credit history - 752 Mid FICO w/a minimum requirement of 680.; |  | Client: EV2 - Non-Material | Approved C B |
| 900000696 | XXXX | 1032289 | 10/10/2023 | Credit | Missing or Incomplete 4506-T/4506-C | CRED 0095 | 1 | Closed | Missing executed 4506T. | 10/25/2023 | Verified housing payment history - Per CBR borrower has 100+ mths of mtg history verified 0x30.; Verified credit history - 752 Mid FICO w/a minimum requirement of 680.; |  |  | Approved C |
| 900000699 | XXXX | 1034160 | 10/24/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. | 10/26/2023 | Verified employment history - B2 VOE confirms 20+ years employment with same employer.; Low DTI - 46.64% DTI < 50% Max Allowed; | 10/25/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; | 10/25/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; - 10/25/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; | Approved C |
| 900000699 | XXXX | 1034199 | 10/24/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified employment history - B2 VOE confirms 20+ years employment with same employer.; Low DTI - 46.64% DTI < 50% Max Allowed; |  | Client: EV2 - Immaterial | Approved C B |
| 900000699 | XXXX | 1034276 | 10/24/2023 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing B2 paystubs covering 30 days, as required per seller guidelines. Paystub in file dated X/XX covering X/X-X/XX is less than 30 days. |  | Verified employment history - B2 VOE confirms 20+ years employment with same employer.; Low DTI - 46.64% DTI < 50% Max Allowed; | 10/25/2023 - "Paystubs cover 30 days of pay, 30 days of paystubs is not required. As long as income can be calculated, we could take 1 as long as it has 30 days of YTD. We are following FNMA guide". \*\* No exception cleared. Per guidelines, "Income must be verified as follows: Wage Earner - 30 days paystubs. Paystubs are valid for 60 days". CRED 0082 Exception Remains; | Client: Investor acknowledged exception to accept 1 pay stub as income is supported by TWN WVOE and YTD on the pay stub provided. | Approved C B |
| 900000695 | XXXX | 1034224 | 10/24/2023 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Missing copy of first lien mortgage statement for (creditor) A/# ending in #### to verify if taxes and insurance are included in payment of $XXXX per the CBR. | 10/26/2023 | Verified credit history - 723 mid fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 63.24% CLTV w/a max allowed of 80%.; Verified reserves - 13 mths reserves verified exclusive of cash out proceeds w/no minimum requirement.; | 10/25/2023 - Exception is cleared with the attached copy of the the 1st lien mortgage statement. CRED 0096 Exception Cleared; | 10/25/2023 - Exception is cleared with the attached copy of the the 1st lien mortgage statement. CRED 0096 Exception Cleared; - 10/25/2023 - Exception is cleared with the attached copy of the the 1st lien mortgage statement. CRED 0096 Exception Cleared; | Approved C |
| 900000695 | XXXX | 1034253 | 10/24/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified credit history - 723 mid fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 63.24% CLTV w/a max allowed of 80%.; Verified reserves - 13 mths reserves verified exclusive of cash out proceeds w/no minimum requirement.; |  | Client: EV2 Non-Material | Approved C B |
| 900000695 | XXXX | 1034255 | 10/24/2023 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Updated Exception - Review Final DTI 50.64% > 50% Max. 1008 excluded the following payments: (creditor) $X/$X, (creditor) $XX/$XX, (creditor) $XX/$XXX, and (creditor) $XX/$XXX.<br>Original Exception - Review Final DTI is pending receipt of the 1st lien mortgage statement to verify if escrowed. Current DTI of 57.71% includes taxes of $246.14 and insurance of $225.42. | 10/27/2023 | Verified credit history - 723 mid fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 63.24% CLTV w/a max allowed of 80%.; Verified reserves - 13 mths reserves verified exclusive of cash out proceeds w/no minimum requirement.; | 10/26/2023 - "We exclude debts with less than 10 months of payments remaining." \*\* Agree. Per GL, if the borrower has less than 10 payments left on the loan/lease or creditor, and type of installment loan, payment can ben excluded from DTI calculations. DTI< 50% with liabilities excluded. CRED 0004 Exception Cleared;<br>10/25/2023 - "See mortgage statement provided. is escrowed." \*\* No exception cleared. Updated Exception - Review Final DTI 50.64% > 50% Max. 1008 excluded the following payments: (creditor) $X/$X, (creditor) $XX/$XX, (creditor) $XX/$XX, and (creditor) $XX/$XXX. CRED 0004 Exception Remains; | 10/26/2023 - "We exclude debts with less than 10 months of payments remaining." \*\* Agree. Per GL, if the borrower has less than 10 payments left on the car loan/lease or credit care, and type of installment loan, payment can ben excluded from DTI calculations. DTI< 50% with liabilities excluded. CRED 0004 Exception Cleared; - 10/26/2023 - "We exclude debts with less than 10 months of payments remaining." \*\* Agree. Per GL, if the borrower has less than 10 payments left on the car loan/lease or credit care, and type of installment loan, payment can ben excluded from DTI calculations. DTI< 50% with liabilities excluded. CRED 0004 Exception Cleared; | Approved C |
| 900000695 | XXXX | 1034257 | 10/24/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. | 10/26/2023 | Verified credit history - 723 mid fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 63.24% CLTV w/a max allowed of 80%.; Verified reserves - 13 mths reserves verified exclusive of cash out proceeds w/no minimum requirement.; | 10/25/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; | 10/25/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; - 10/25/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; | Approved C |
| 900000698 | XXXX | 1034070 | 10/23/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified credit history - Middle credit score 774 > 680 Minimum Required, no history of delinquency reported in the past 5 years.; Low DTI - 43.67% DTI < 50% Max Allowed.; |  | Client: Initial Grade - EV2 | Approved C B |
| 900000698 | XXXX | 1034072 | 10/23/2023 | Credit | CLTV Exceeds Max Allowed | CRED 0012 | 1 | Closed | 91.74% CLTV > 90 Max Allowed. Missing investor acknowledgment for the exception to guidelines.<br>(creditor) 1st Lien $XXXX + 2nd Lien $XXX = $XXX / XXXX = 91.74% | 10/26/2023 | Verified credit history - Middle credit score 774 > 680 Minimum Required, no history of delinquency reported in the past 5 years.; Low DTI - 43.67% DTI < 50% Max Allowed.; | 10/25/2023 - Exception is cleared with the attached credit supplement evidencing lower 1st lien balance, thus reducing the CLTV to 90%. CRED 0012 Exception Cleared; | 10/25/2023 - Exception is cleared with the attached credit supplement evidencing lower 1st lien balance, thus reducing the CLTV to 90%. CRED 0012 Exception Cleared; - 10/25/2023 - Exception is cleared with the attached credit supplement evidencing lower 1st lien balance, thus reducing the CLTV to 90%. CRED 0012 Exception Cleared; | Approved C |
| 900000698 | XXXX | 1034073 | 10/23/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable | 10/27/2023 | Verified credit history - Middle credit score 774 > 680 Minimum Required, no history of delinquency reported in the past 5 years.; Low DTI - 43.67% DTI < 50% Max Allowed.; | 10/26/2023 - Exception is cleared with the attached AVM. Value +XX% variance from the original appraised value. Low value range < +10% variance from the original appraised value. APPR 0046 Exception Cleared;<br>10/25/2023 - Attached (agency) Lender's Notice of Value cannot be used to satisfy securitization requirement. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. APPR 0046 Exception Remains; | 10/26/2023 - Exception is cleared with the attached AVM. Value +XX% variance from the original appraised value. Low value range < +10% variance from the original appraised value. APPR 0046 Exception Cleared; - 10/26/2023 - Exception is cleared with the attached AVM. Value +XX% variance from the original appraised value. Low value range < +10% variance from the original appraised value. APPR 0046 Exception Cleared; | Approved C |
| 900000701 | XXXX | 1034500 | 10/25/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified employment history - VOE confirms 17.5 years employment with present employer.; Low LTV/CLTV/HCLTV - 67.24% CLTV < 90% Max.; Low DTI - 38.48% DTI < 50% Max.; |  | Client: EV2 - Non-Material | Approved C B |
| 900000701 | XXXX | 1034502 | 10/25/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. | 10/27/2023 | Verified employment history - VOE confirms 17.5 years employment with present employer.; Low LTV/CLTV/HCLTV - 67.24% CLTV < 90% Max.; Low DTI - 38.48% DTI < 50% Max.; | 10/26/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; | 10/26/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; - 10/26/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; | Approved C |
| 900000701 | XXXX | 1034503 | 10/25/2023 | Credit | Missing Paystub(s) | CRED 0136 | 2 | Acknowledged | Missing paystubs covering 30 consecutive days, as required per lender guidelines. Paystub dated #/##/#### > 60 days old. Updated paystub dated #/#/#### only covers two weeks. |  | Verified employment history - VOE confirms 17.5 years employment with present employer.; Low LTV/CLTV/HCLTV - 67.24% CLTV < 90% Max.; Low DTI - 38.48% DTI < 50% Max.; | 10/26/2023 - "We follow (agency) and dont require 30 days of paystubs as long as we can figure out how to calculate income, we can use 1 paystub as long as it has 30 days worth of YTD history on it." \*\* No exception cleared. Per seller guidelines, "Income verified as follows: Wage Earner - 30 days paystubs. Paystubs are valid for 60 days." Investor acknowledged exception to seller guidelines for < 30 days paystubs is required. CRED 0136 Exception Remains; | Client: Investor acknowledged exception as income used to qualify is supported by WVOE in addition to the pay stub provided. | Approved C B |
| 900000701 | XXXX | 1034509 | 10/25/2023 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Junior loan policy lists two exceptions 2 and 3 for UCC financing statements with (creditor) and (creditor). Missing policy with the exceptions removed. UCC termination in file for UCC filing with (creditor). Per UCC financing statement filed ##/#/#### (creditor) is DBA (creditor). | 11/09/2023 | Verified employment history - VOE confirms 17.5 years employment with present employer.; Low LTV/CLTV/HCLTV - 67.24% CLTV < 90% Max.; Low DTI - 38.48% DTI < 50% Max.; | 11/8/2023 - Exception is cleared with the attached recorded copies for UCC terminations for both title exceptions. TITL 0013 Exception Cleared;<br>10/26/2023 - "JR policies are not updated after closing/recording of our mortgage or to remove items cleared at closing. Both UCC terminations were provided to title to be recorded at closing. Both are attached." \*\* No exception cleared. Exceptions were not cleared prior to issuance of the Jr Policy. Missing recorded copies of the UCC terminations. TITL 0013 Exception Remains; | 11/8/2023 - Exception is cleared with the attached recorded copies for UCC terminations for both title exceptions. TITL 0013 Exception Cleared; - 11/8/2023 - Exception is cleared with the attached recorded copies for UCC terminations for both title exceptions. TITL 0013 Exception Cleared; | Approved C |
| 900000697 | XXXX | 1034435 | 10/25/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. | 10/27/2023 | Verified credit history - Middle credit scores 798/769, no history of delinquency reported.; Verified housing payment history - Credit report confirms 35 months satisfactory mortgage rating on existing 1st lien.; Low DTI - 38.43% DTI < 50% Max Allowed.; | 10/27/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; | 10/27/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; - 10/27/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared; | Approved C |
| 900000697 | XXXX | 1034438 | 10/25/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified credit history - Middle credit scores 798/769, no history of delinquency reported.; Verified housing payment history - Credit report confirms 35 months satisfactory mortgage rating on existing 1st lien.; Low DTI - 38.43% DTI < 50% Max Allowed.; |  | Client: EV2 - Immaterial | Approved C B |
| 900000702 | XXXX | 1038502 | 11/15/2023 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Missing corrected appraisal reflect corrected bathroom count. Appraisal reflects a discrepancy on number of bathrooms which affects comparable adjustments. Appraiser indicates subject has XX bathroom; however, photos and sketch reflects XX. | 11/17/2023 | Verified housing payment history - Prior homeowner with housing history verified on credit report reflecting a 0x30 payment history back to XX/XXXX. ; Verified credit history - Strong verified credit history with indicator credit score being 763. Oldest noted tradeline dates back to XXXX supporting 40 years of established satisfactory credit history. ; |  | 11/17/23 Revised appraisal received. Updated appraiser comments: Sketch shows XX bath on the basement level. Thus only XX bath is above grade. Both baths are shown in the photos. Thus the adjustment is based on the lower level finish. - 11/17/23 Revised appraisal received. Updated appraiser comments: Sketch shows XX bath on the basement level. Thus only XX bath is above grade. Both baths are shown in the photos. Thus the adjustment is based on the lower level finish. | Approved C |
| 900000702 | XXXX | 1038507 | 11/15/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. | 11/17/2023 | Verified housing payment history - Prior homeowner with housing history verified on credit report reflecting a 0x30 payment history back to XX/XXXX. ; Verified credit history - Strong verified credit history with indicator credit score being 763. Oldest noted tradeline dates back to XXXX supporting 40 years of established satisfactory credit history. ; |  | 11/17/23 FNMA/FHLMC SSR reports received. FNMA Score 1.4, FHLMC 2.5. - 11/17/23 FNMA/FHLMC SSR reports received. FNMA Score 1.4, FHLMC 2.5. | Approved C |
| 900000703 | XXXX | 1038932 | 11/17/2023 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Subject property is reflected to be in xx location. xx Property is ineligible per LRCP guidelines. Pending Investor Acknowledgment. |  | Verified housing payment history - 38 combined months mortgage history verified on credit report paid 0x30. ; Verified credit history - Both borrower's mid-score is 747 with credit report reflecting minimal outstanding revolving debt and all history paid 0x30. Oldest noted tradeline opened xx/xxxx. ; |  | Client: EV2 Investor Acknowledged Exception | Approved C B |
| 900000705 | XXXX | 1038717 | 11/16/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. | 11/17/2023 | Verified housing payment history - Verified 1st lien mortgage history paid 0x30 for 30 months reviewed per credit report. ; Verified employment history - Borrower has seven years verified employment with same employer which was two companies that merged with same primary owner. Borrower qualified with base salary only. Evidence of bonus earnings confirmed and not considered. ; Income verified was not used in qualifying - Borrower has evidence of bonus / other earnings that was not considered in qualifying.; |  | 11/17/23 FNMA/FHLMC SSR reports received. FNMA SSR 2.4/ FHLMC 3. - 11/17/23 FNMA/FHLMC SSR reports received. FNMA SSR 2.4/ FHLMC 3. | Approved C |
| 900000705 | XXXX | 1038775 | 11/16/2023 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | XXXX property is ineligible per LRCP guidelines. Pending Investor acknowledgement. (Subject property is X.XX acres) |  | Verified housing payment history - Verified 1st lien mortgage history paid 0x30 for 30 months reviewed per credit report. ; Verified employment history - Borrower has seven years verified employment with same employer which was two companies that merged with same primary owner. Borrower qualified with base salary only. Evidence of bonus earnings confirmed and not considered. ; Income verified was not used in qualifying - Borrower has evidence of bonus / other earnings that was not considered in qualifying.; | 11/17/23 Email confirming exception granted for XX property dated XX/XX/XX received. | Client: Investor acknowledged exception. | Approved C B |
| 900000706 | XXXX | 1038847 | 11/16/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. | 11/17/2023 | Verified housing payment history - 33 months of verified mortgage history on 1st lien paid 0x30. 12 months history on 2nd lien paid off with subject transaction paid 0x30. ; Income verified was not used in qualifying - Co-borrower VOE reflects additional history of bonus earnings that Review did not consider in total DTI.; |  | 11/17/23 FNMA/FHLMC SSR reports received. FNMA score 2.2, FHLMC 1. - 11/17/23 FNMA/FHLMC SSR reports received. FNMA score 2.2, FHLMC 1. | Approved C |
| 900000707 | XXXX | 1040239 | 11/30/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified credit history - Middle credit score 791 with no history of delinquency reported.; Low LTV/CLTV/HCLTV - 75.58% CLTV < 90%; |  | Client: Initial Grade EV2 Non-Material | Approved C B |
| 900000707 | XXXX | 1040248 | 11/30/2023 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Borrowers hire date is (#/##/####) with (current employer). No VOE provided from prior employer,(prior employer). (year) wages with prior employer is ($###,###.##). Borrowers annual salary with new job is ($##,###.##). Missing letter of explanation for leaving previous employer with reduced pay. | 12/06/2023 | Verified credit history - Middle credit score 791 with no history of delinquency reported.; Low LTV/CLTV/HCLTV - 75.58% CLTV < 90%; | 12/5/2023 - Recd response from investor, "Wanted to follow up on this one and see if an LOE is required to clear the condition below. It does not appear to be a guideline violation and based on the loan app, it looks like the borrower likely lost her job, took a job in a different industry until she found a new job in the security industry again (lower pay). However, the income being used to qualify is from the most recent, lower paying job." \*\* Agree, Borrower prior employment in field (#/##/#### - #/##/####), interim position (#/##/#### - #/##/####), and new hire date in field (#/##/####). Guidelines do state complete 24 months employment verification is required. CRED 0104 Exception Cleared;<br>| 12/5/2023 - Recd response from investor, "Wanted to follow up on this one and see if an LOE is required to clear the condition below. It does not appear to be a guideline violation and based on the loan app, it looks like the borrower likely lost her job, took a job in a different industry until she found a new job in the security industry again (lower pay). However, the income being used to qualify is from the most recent, lower paying job." \*\* Agree, Borrower prior employment in field (#/##/#### - #/##/####), interim position (#/##/#### - #/##/####), and new hire date in field (#/##/####). Guidelines do state complete 24 months employment verification is required. CRED 0104 Exception Cleared;<br>- 12/5/2023 - Recd response from investor, "Wanted to follow up on this one and see if an LOE is required to clear the condition below. It does not appear to be a guideline violation and based on the loan app, it looks like the borrower likely lost her job, took a job in a different industry until she found a new job in the security industry again (lower pay). However, the income being used to qualify is from the most recent, lower paying job." \*\* Agree, Borrower prior employment in field (#/##/#### - #/##/####), interim position (#/##/#### - #/##/####), and new hire date in field (#/##/####). Guidelines do state complete 24 months employment verification is required. CRED 0104 Exception Cleared; | Approved C |
| 900000709 | XXXX | 1040140 | 11/30/2023 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. | 12/11/2023 | Low LTV/CLTV/HCLTV - 19.23% LTV / CLTV 61.95% with a max allowed of 85%.; Verified credit history - 737 FICO w/a minimum requirement of 680.; Verified housing payment history - 34 mths mortgage history for first lien verified 0x30x34.; |  | 12/08/23 Loan loan approval received. - 12/08/23 Loan loan approval received. | Approved D |
| 900000709 | XXXX | 1040180 | 11/30/2023 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing to years Wage and income transcripts as required by LRCP guidelines. | 12/18/2023 | Low LTV/CLTV/HCLTV - 19.23% LTV / CLTV 61.95% with a max allowed of 85%.; Verified credit history - 737 FICO w/a minimum requirement of 680.; Verified housing payment history - 34 mths mortgage history for first lien verified 0x30x34.; | 12/18/2023 - Exception is cleared with the attached two years wage transcripts. CRED 0091 Exception Cleared; | 12/18/2023 - Exception is cleared with the attached two years wage transcripts. CRED 0091 Exception Cleared; - 12/18/2023 - Exception is cleared with the attached two years wage transcripts. CRED 0091 Exception Cleared; | Approved C |
| 900000709 | XXXX | 1040204 | 11/30/2023 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | Missing COC for increases to the following fees: Settlement Fee $160 to $325, Title Endorsement $60 (no disclosed on LEs)-- | 12/07/2023 | Low LTV/CLTV/HCLTV - 19.23% LTV / CLTV 61.95% with a max allowed of 85%.; Verified credit history - 737 FICO w/a minimum requirement of 680.; Verified housing payment history - 34 mths mortgage history for first lien verified 0x30x34.; |  | 12/07/23 COC received. Finding cleared upon resubmission. - 12/07/23 COC received. Finding cleared upon resubmission. | Approved C |
| 900000709 | XXXX | 1040220 | 11/30/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Low LTV/CLTV/HCLTV - 19.23% LTV / CLTV 61.95% with a max allowed of 85%.; Verified credit history - 737 FICO w/a minimum requirement of 680.; Verified housing payment history - 34 mths mortgage history for first lien verified 0x30x34.; |  | Client: EV2 Non-Material | Approved C B |
| 900000711 | XXXX | 1040747 | 12/05/2023 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing underwriting decision with the loan approval date. Only 1008 provided in file. | 12/12/2023 | Low LTV/CLTV/HCLTV - 52.78% CLTV < 85% Max.; Verified credit history - Middle credit scores 730/755 with no history of delinquency reported.; |  | 12/12/23 Lender loan approval received. - 12/12/23 Lender loan approval received. | Approved C |
| 900000711 | XXXX | 1040793 | 12/05/2023 | Compliance | File Documentation is Incomplete (Compliance) | COMP 0047 | 1 | Closed | B1 copy of drivers license is expired, XX/XX/XX. Patriot Act form reflects issuance on XX/XX/XX with an expiration date of XX/XX/XX. Missing copy of the renewed license. | 12/18/2023 | Low LTV/CLTV/HCLTV - 52.78% CLTV < 85% Max.; Verified credit history - Middle credit scores 730/755 with no history of delinquency reported.; | 12/15/2023 - Recd copy of verification of license renewal from state website; issuance date agrees with patriot act form provided in file and the customer number agrees with copy of expired license and patriot act form. COMP 0047 Exception Cleared; | 12/15/2023 - Recd copy of verification of license renewal from state website; issuance date agrees with patriot act form provided in file and the customer number agrees with copy of expired license and patriot act form. COMP 0047 Exception Cleared; - 12/15/2023 - Recd copy of verification of license renewal from state website; issuance date agrees with patriot act form provided in file and the customer number agrees with copy of expired license and patriot act form. COMP 0047 Exception Cleared; | Approved C |
| 900000711 | XXXX | 1040799 | 12/05/2023 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing evidence of delivery to borrower of the latest issued LE dated XX/XX/XX. Timing requirement is not satisfied with the US Mailbox Rule applied. | 12/12/2023 | Low LTV/CLTV/HCLTV - 52.78% CLTV < 85% Max.; Verified credit history - Middle credit scores 730/755 with no history of delinquency reported.; |  | 12/12/23 Electronic document tracking for LE issued XX/XX/XX received. Borrower receipt confirmed on XX/XX/XX. - 12/12/23 Electronic document tracking for LE issued XX/XX/XX received. Borrower receipt confirmed on XX/XX/XX. | Approved C |
| 900000711 | XXXX | 1040810 | 12/05/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 2 | Acknowledged | Missing 3rd Party Desk Review, as required for securitization reviews. Only Property Condition Report w/ AVM completed by XXXX provided. |  | Low LTV/CLTV/HCLTV - 52.78% CLTV < 85% Max.; Verified credit history - Middle credit scores 730/755 with no history of delinquency reported.; | 12/18/23 Email received from LRCP confirming that they will not require a secondary valuation.<br>12/13/23 Post Close BPO dated XX/XX/XX received. As is value returned at $XXX which is a variance of -15.67%. <br>12/12/23 Duplicate copy of origination AVM provided. Diligence has placed order for BPO and will update upon receipt. | Client: Additional valuation waived by investor. Additional valuation was requested by the investor and not required by the guidelines. | Approved C B |
| 900000717 | XXXX | 1041282 | 12/08/2023 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. | 12/20/2023 | Verified credit history - Primary wage earner mid fico 725 w/a minimum requirement of 680.; Low DTI - Review DTI 25.48% w/a max allowed of 45%.; |  | 12/20/23 Lender loan approval and 1008 received. - 12/20/23 Lender loan approval and 1008 received. | Funded D A |
| 900000717 | XXXX | 1041319 | 12/08/2023 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing most recent two years Wage & Income transcripts. | 01/08/2024 | Verified credit history - Primary wage earner mid fico 725 w/a minimum requirement of 680.; Low DTI - Review DTI 25.48% w/a max allowed of 45%.; | 01/02/2024 - Recd XXXX/XXXX wage transcripts. The wages reported in XXXX do not match to the W2s.<br>There is no indication of secondary employment. Missing explanation for the difference in income.<br>CRED 0091 Exception Remains; | 01/02/2024 - Recd most recent two years wage transcripts.;<br>01/08/24 Additional W2 for B2 received which supports transcripts provided. - 01/02/2024 - Recd most recent two years wage transcripts.;<br>01/08/24 Additional W2 for B2 received which supports transcripts provided. | Funded C A |
| 900000717 | XXXX | 1041340 | 12/08/2023 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | CD dated XX/XX/XX disclosed non-escrowed property costs of $XX. Review calculated $XXXX (Taxes $XXXX / HOI $XXXX). |  | Verified credit history - Primary wage earner mid fico 725 w/a minimum requirement of 680.; Low DTI - Review DTI 25.48% w/a max allowed of 45%.; | 1/10/2024 - Exception is cured with the attached PCCD and corresponding LOX. TRID 0204 Exception Overridden to EV2; | Client: 1/10/2024 - Exception is cured with the attached PCCD and corresponding LOX. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000717 | XXXX | 1041344 | 12/08/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified credit history - Primary wage earner mid fico 725 w/a minimum requirement of 680.; Low DTI - Review DTI 25.48% w/a max allowed of 45%.; |  | Client: EV2 Non-Material | Funded C B |
| 900000708 | XXXX | 1041394 | 12/08/2023 | Credit | Fraud Alert on Credit Report not addressed | CR 0004 | 1 | Closed | Missing letter of explanation used to address medium risk finding for B2 having associated business. Cleared fraud comments reflect this was addressed by the borrower. | 12/12/2023 | Verified employment history - Borrowers have been with same employer for 18+ years.; Verified credit history - Qualifying FICO is 745 w/a minimum requirement of 680.; |  | 12/12/23 Cleared per lender response: We have 2year+ W2 employment history fully verified, and the business has been not active in over 2 years. - 12/12/23 Cleared per lender response: We have 2year+ W2 employment history fully verified, and the business has been not active in over 2 years. | Approved C |
| 900000715 | XXXX | 1041954 | 12/13/2023 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XXXX/XXXX Wage and Income transcripts. | 12/27/2023 | Verified employment history - 6+ yrs verified w/current employer.; Verified credit history - 690 FICO w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.62% CLTV w/a max allowed of 75%.; | 12/27/2023 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; | 12/27/2023 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; - 12/27/2023 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; | Funded C A |
| 900000715 | XXXX | 1041955 | 12/13/2023 | Credit | Missing Required Fraud Tool | CRED 0089 | 1 | Closed | Missing required fraud report with all alerts sufficiently addressed. | 12/27/2023 | Verified employment history - 6+ yrs verified w/current employer.; Verified credit history - 690 FICO w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.62% CLTV w/a max allowed of 75%.; | 12/27/2023 - Exception is cleared with the attached fraud report with all fraud findings cleared. Appraiser possible watchlist match, XXXX, was not a match to XXXX. CRED 0089 Exception Cleared; | 12/27/2023 - Exception is cleared with the attached fraud report with all fraud findings cleared. Appraiser possible watchlist match, XXXX, was not a match to XXXX. CRED 0089 Exception Cleared; - 12/27/2023 - Exception is cleared with the attached fraud report with all fraud findings cleared. Appraiser possible watchlist match, XXXX, was not a match to XXXX. CRED 0089 Exception Cleared; | Funded C A |
| 900000715 | XXXX | 1041957 | 12/13/2023 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Missing ROR executed by NBS XXXX. | 12/27/2023 | Verified employment history - 6+ yrs verified w/current employer.; Verified credit history - 690 FICO w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.62% CLTV w/a max allowed of 75%.; | 12/27/2023 - Exception is cleared with the attached ROR form signed by the NBS. ROR 0004 Exception Cleared; | 12/27/2023 - Exception is cleared with the attached ROR form signed by the NBS. ROR 0004 Exception Cleared; - 12/27/2023 - Exception is cleared with the attached ROR form signed by the NBS. ROR 0004 Exception Cleared; | Funded C A |
| 900000715 | XXXX | 1041972 | 12/13/2023 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Transfer taxes of $XXXX were not disclosed on the LE. COC for change of Settlement Service Provider XX/XX/XX is not sufficient COC for fee addition.-- |  | Verified employment history - 6+ yrs verified w/current employer.; Verified credit history - 690 FICO w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.62% CLTV w/a max allowed of 75%.; | 01/12/24 Diligence verified delivery receipt via Fed-Ex Tracking<br>01/11/24 Duplicate copy of PC CD, Refund check, LOE, and FedEx Tracking received.<br>\*\*Finding remains, pending confirmation of delivery to the borrower. As of 5:47 CST Fed-Ex Notes that the label has been created but has not been picked up for delivery. \*\*Please do not resubmit full documentation. Just confirmation of delivery is required.<br>01/10/24 PC CD dated XX/XX/XX received with LOE to the borrower, copy of refund check in the amount of $XXX with Fed-Ex tracking.<br>\*\*Finding remains pending verification of delivery to borrower. As of 01/10/24 label has been created but is not out for delivery. FedEx XX - Once confirmed finding will be downgraded to an EV2. | Client: EV2 Post Closing Corrective Action- Copy of PC CD, Refund check, LOE, and FedEx Tracking received. | Funded C B |
| 900000715 | XXXX | 1041979 | 12/13/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified employment history - 6+ yrs verified w/current employer.; Verified credit history - 690 FICO w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.62% CLTV w/a max allowed of 75%.; |  | Client: EV2 Non-Material | Funded C B |
| 900000716 | XXXX | 1041981 | 12/13/2023 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Subject is indicated to located in a XXX area, of XX and XX with XX zoning. Lock in file indicates a subject property location is XXXX. |  | Verified employment history - B1 VOE confirms 14+ years employment with present employer.; Verified housing payment history - Credit report confirms 25 months satisfactory mortgage rating.; Verified credit history - Primary wage earner FICO 763 w/a minimum requirement of 680. ; |  | Client: Investor Acknowledged Exception for XXXX property. | Funded C B |
| 900000716 | XXXX | 1041992 | 12/13/2023 | Credit | Missing Flood Insurance Cert. | FLOOD 0007 | 1 | Closed | Flood cert in file reflects the incorrect address. AVM indicates that the house number changed in XXXX to XXXXXX, however, tax cert, title commitment and property report reflect XXXX. | 12/27/2023 | Verified employment history - B1 VOE confirms 14+ years employment with present employer.; Verified housing payment history - Credit report confirms 25 months satisfactory mortgage rating.; Verified credit history - Primary wage earner FICO 763 w/a minimum requirement of 680. ; | 12/27/2023 - Exception is cleared with the attached flood cert. FLOOD 0007 Exception Cleared; | 12/27/2023 - Exception is cleared with the attached flood cert. FLOOD 0007 Exception Cleared; - 12/27/2023 - Exception is cleared with the attached flood cert. FLOOD 0007 Exception Cleared; | Funded C A |
| 900000716 | XXXX | 1042004 | 12/13/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing Investor required BPO to support AVM value of $XXXX (Diligence to order upon receipt of investor approval). | 01/09/2024 | Verified employment history - B1 VOE confirms 14+ years employment with present employer.; Verified housing payment history - Credit report confirms 25 months satisfactory mortgage rating.; Verified credit history - Primary wage earner FICO 763 w/a minimum requirement of 680. ; | 1/9/2024 - Recd lender ordered 3rd Party BPO with value of $XXXX. APPR 0046 Exception Cleared;<br>12/19/23 BPO Ordered<br>12/18/23 Email recd confirming ok to proceed w/BPO. | 1/9/2024 - Recd lender ordered 3rd Party BPO with value of $XXXX. APPR 0046 Exception Cleared; - 1/9/2024 - Recd lender ordered 3rd Party BPO with value of $XXXX. APPR 0046 Exception Cleared; | Funded C A |
| 900000718 | XXXX | 1041600 | 12/11/2023 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lenders underwriting decision with the loan approval date. Only 1008 provided in file. | 12/19/2023 | Verified housing payment history - Credit report confirms 99+ months satisfactory mortgage rating.; |  | 12/19/23 Lender loan approval received. - 12/19/23 Lender loan approval received. | Funded C A |
| 900000718 | XXXX | 1041642 | 12/12/2023 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | COC provided for the addition of the recordation tax of $XXX, however, reason for the increase was not provided. Missing valid reason for the increase in fees. |  | Verified housing payment history - Credit report confirms 99+ months satisfactory mortgage rating.; | 1/5/2024 - Exception is partially cured with the attached copy of the corrective CD, refund check, and tracking slip. Tracking results reflects label created 1/5. Exception can be overridden to EV2 upon evidence of delivery to borrower of the corrective CD. TRID 0195 Exception Remains; | Client: EV2 Post Closing Corrective Action -01/10/24 Fed Ex Tracking received confirming borrower receipt. <br>1/5/2024 - Copy of the corrective CD, refund check, and tracking slip received. | Funded C B |
| 900000718 | XXXX | 1041644 | 12/12/2023 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Borrower chose provider from the service provider list. Tolerance violation due to settlement charges disclosed in section C. COC provided for increase in loans fees of $XX, however, reason for the increase was not provided. Missing valid reason for the increase in fees. |  | Verified housing payment history - Credit report confirms 99+ months satisfactory mortgage rating.; | 01/10/24 Fed Ex Tracking received confirming borrower receipt. <br>1/5/2024 - Exception is partially cured with the attached copy of the corrective CD, refund check, and tracking slip. Tracking results reflects label created XX/XX. Exception can be overridden to EV2 upon evidence of delivery to borrower of the corrective CD. TRID 0124 Exception Remains; | Client: EV2 Post Closing Corrective Action -01/10/24 Fed Ex Tracking received confirming borrower receipt. <br>1/5/2024 - Copy of the corrective CD, refund check, and tracking slip received. | Funded C B |
| 900000718 | XXXX | 1041646 | 12/12/2023 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing XXXX/XXXX Wage Transcripts. | 12/19/2023 | Verified housing payment history - Credit report confirms 99+ months satisfactory mortgage rating.; |  | 12/19/23 Wage & Income transcripts received. - 12/19/23 Wage & Income transcripts received. | Funded C A |
| 900000718 | XXXX | 1041647 | 12/12/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd Party BPO to support the original AVM value of $XXXX, as required for securitization loans. (Diligence to order) | 12/13/2023 | Verified housing payment history - Credit report confirms 99+ months satisfactory mortgage rating.; |  | 12/13/23 BPO received with "As-Is Value of $XXXX which is a variance of -4.03%. Variance is w/in allowable 10% tolerance. - 12/13/23 BPO received with "As-Is Value of $XXXX which is a variance of -4.03%. Variance is w/in allowable 10% tolerance. | Funded C A |
| 900000718 | XXXX | 1042589 | 12/19/2023 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | PCCD estimated tax and insurance is disclosed as $X with property costs over year 1 of $XX. Actual tax and insurance is $XXX. |  | Verified housing payment history - Credit report confirms 99+ months satisfactory mortgage rating.; | 01/12/24 PC CD dated 01/10/24 received with LOE to the borrower. <br>01/10/24 Estimated taxes and insurance and Property costs over 1 year were not updated on the PC CD dated 01/04/24. |  | Funded C B |
| 900000723 | XXXX | 1041665 | 12/12/2023 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing underwriter decision with loan approval date. | 12/19/2023 | Verified employment history - VOE confirms 14+ years employment with present employer.; Verified credit history - Middle credit score 786 with no history of delinquency reported in the past 24 months.; |  | 12/19/23 Lender loan approval received. - 12/19/23 Lender loan approval received. | Funded C A |
| 900000723 | XXXX | 1041786 | 12/12/2023 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing most recent two years wage transcripts as required per guidelines. | 01/08/2024 | Verified employment history - VOE confirms 14+ years employment with present employer.; Verified credit history - Middle credit score 786 with no history of delinquency reported in the past 24 months.; | 1/5/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0087 Exception Cleared; | 1/5/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0087 Exception Cleared; - 1/5/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0087 Exception Cleared; | Funded C A |
| 900000777 | XXXX | 1041869 | 12/13/2023 | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 1 | Closed | Missing insurers replacement cost estimate. | 02/08/2024 | Verified employment history - VOE confirms 7+ years employment with present employer.; Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; | 2/2/2024 - Exception is cleared with the attached updated EOI providing coverage of $XXX with Increased Cost Endorsement of 25% totaling $XXX, which is greater than 80% of Cost New per Appraisal. Insurance premium increased to $XXXX. Included is a PCCD and updated 1008. HAZ 0004 Exception Cleared;<br>1/3/2024 - Recd the same email correspondence previously presented. \*\* No exception cleared. EOI does not show increased cost endorsement. Missing evidence of insurance evidencing increased dwelling coverage being included OR insurers cost estimator to evidence coverage of $XXXX is sufficient. Coverage as per the EOI of $XXXX and agent of $XXXX < 80% of cost new per appraisal of $XXXX. HAZ 0004 Exception Remains;<br>12/21/2023 - Recd the same documentation that was presented in the original loan file. Attached email correspondence noting increased cost endorsement up to 125% to $XXXXX is insufficient to satisfy the exception. It is noted that the EOI does not not reflect increased cost endorsement. Further, Increased dwelling coverage $250,000 < 80% of the Cost New per appraisal of $368,490. Missing copy of the insurers cost estimator to evidence sufficient coverage. HAZ 0004 Exception Remains; | 2/2/2024 - Exception is cleared with the attached updated EOI providing coverage of $XXXX with Increased Cost Endorsement of 25% totaling $XXX, which is greater than 80% of Cost New per Appraisal. Insurance premium increased to $XXXX. Included is a PCCD and updated 1008. HAZ 0004 Exception Cleared; - 2/2/2024 - Exception is cleared with the attached updated EOI providing coverage of $XXXX with Increased Cost Endorsement of 25% totaling $XXX, which is greater than 80% of Cost New per Appraisal. Insurance premium increased to $XXXX. Included is a PCCD and updated 1008. HAZ 0004 Exception Cleared; | Funded C A |
| 900000777 | XXXX | 1041907 | 12/13/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd Party valuation to support the original appraised value of $XXXX. CU scores > 2.5. | 02/23/2024 | Verified employment history - VOE confirms 7+ years employment with present employer.; Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; | 02/21/24 AVM ordered received. Value returned at $XXXX with a 83% Confidence and .17 FSD. Desk review order placed. | 02/24/24 CDA supporting value of $XXXX received. - 02/24/24 CDA supporting value of $XXXX received. | Funded C A |
| 900000777 | XXXX | 1041908 | 12/13/2023 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XXXX/XXXX Wage & Income Transcripts as required per guidelines. | 02/15/2024 | Verified employment history - VOE confirms 7+ years employment with present employer.; Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; |  | 02/14/24 XXXX/XXXX Wage & Income Transcripts received. - 02/14/24 XXXX/XXXX Wage & Income Transcripts received. | Funded C A |
| 900000777 | XXXX | 1048553 | 02/08/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | REFER HAZ 0004 2/2: Disclosed property tax and insurance of $XX with property costs of $XX is inaccurate. Actual tax and insurance is $XX with property costs over 11 months of $XX. |  | Verified employment history - VOE confirms 7+ years employment with present employer.; Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; | 02/14/24 PC CD dated XX/XX/XX received. Estimated tax and insurance updated to $XXX with property costs over 1 yr of $XXX (11mths).<br>\*\*Finding remains, Missing LOE to the borrower explaining the reason for re-disclosure. Exception initially reported 02/02/24. | Client: EV2 Post-Closing Corrective Action.-- 02/21/24 LOE to borrower received, 02/14/24 PC CD was received. Notification of CD deficiency initially report 02/02/24 not 12/13/23. | Funded C B |
| 900000777 | XXXX | 1049681 | 02/21/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Missing investor acknowledgment for XXX property. |  | Verified employment history - VOE confirms 7+ years employment with present employer.; Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; |  | Client: Investor Acknowledged Exception for XX property. | Funded C B |
| 900000712 | XXXX | 1042049 | 12/14/2023 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing underwriting decision with loan approval date. Only 1008 provided in file. | 12/19/2023 | Verified reserves - 6 months verified reserves > 2 months reserves required.; Low DTI - Approved DTI 39.998% < 45% Max Allowed.; Verified housing payment history - Credit report confirms 24 months satisfactory mortgage rating. ; |  | 12/19/23 Lender loan approval received. - 12/19/23 Lender loan approval received. | Approved C |
| 900000789 | XXXX | 1042538 | 12/19/2023 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing Wage Transcripts as required per guidelines. | 01/30/2024 | Low DTI - 31.46% DTI < 45% Max Allowed.; Verified employment history - VOE confirms 9+ years employment with present employer.; Verified credit history - Middle credit scores 744/734 > 680 Minimum Required.; Verified housing payment history - Credit report confirms 34 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 56.63% LTV < 85% Max Allowed.; | 1/26/2024 - Exception is cleared with the attached copies of the most recent two years wage transcripts. CRED 0091 Exception Cleared; | 1/26/2024 - Exception is cleared with the attached copies of the most recent two years wage transcripts. CRED 0091 Exception Cleared; - 1/26/2024 - Exception is cleared with the attached copies of the most recent two years wage transcripts. CRED 0091 Exception Cleared; | Funded C A |
| 900000789 | XXXX | 1042545 | 12/19/2023 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for increased Recording fee from $115 to $146 at closing. |  | Low DTI - 31.46% DTI < 45% Max Allowed.; Verified employment history - VOE confirms 9+ years employment with present employer.; Verified credit history - Middle credit scores 744/734 > 680 Minimum Required.; Verified housing payment history - Credit report confirms 34 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 56.63% LTV < 85% Max Allowed.; | 03/07/24 LOE to the borrower received.<br>2/28/2024 - "Copy of check showing it was deposited by the borrower. Title was the one that cured and sent the check, because of that we do not have a LOX or Tracking we are able to provide since we didn't execute this cure." Included is a copy of the refund check in the amount of $XX payable to the borrowers that cleared on XX/XX/XX, which is within 60 days from discovery. \*\* No exception cleared. Still missing letter of explanation for re-disclosed PCCD issued XX/XX that disclosed the credit to cure of $XX. TRID 0124 Exception Remains;<br>02/09/24 Copy of refund check in the amount of $XX issued by Empower Settlement Services received. Previously received was the disbursements Summary showing a wire from XX on XXXX for $XX to Empower Settlement. Previously received was a PC CD dated XXX reflecting the lender credit of $XX.<br>\*\*Finding remains, Missing copy of the final settlement statement, LOE to the borrower explaining the reason for re-disclosure and proof of trackable delivery of the refund check from Empower Settlement. Disbursement summary verifies the credit was not applied to the borrower at the time the loan disbursed XX/XX/XX. <br>2/5/2024 - "Attached is the disbursement summary that was sent XX/XX. This shows the funds being sent back to the borrower from escrow. Is this not sufficient to fulfill the request?" \*\* No exception cleared. Missing copy of refund check in the amount of $XX to borrower disbursed on XX, as indicated on the attached. Also missing evidence of trackable delivery with the corresponding letter of explanation. A copy of the cancelled check can be accepted in lieu of trackable delivery to borrower of the refund check. TRID 0124 Exception Remains;<br>1/30/2024 - Exception is partially cured with the attached PCCD; Disclosed $XX credit to cure (REFER TRID 0204). Missing corresponding letter of explanation. Also missing copy of the final settlement statement to evidence $XX credit to cure was provided at closing and support the changes to cash is hand to borrower. There is no evidence that the borrower received $XX cash to cure. TRID 0124 Exception Remains;<br>01/02/2024 - Recd response from lender, "Attached Disbursement from Escrow and Recent Mavent showing tolerance cure for $XX. Updated Disbursement Summary sent as Escrow doesn't make copies of their checks to show tolerance cure. Included is a copy of the disbursement summary reflecting $XX credit to cure. Missing a copy of the corrective CD disclosing the credit to cure with wire transmittal to evidence delivery to borrower. TRID 0124 Exception Remains; | Client: EV2 Post - Closing Corrective Action --03/07/24 LOE to the borrower received. XX/XX/XX Copy of check showing it was deposited by the borrower received. XX/XX/XX - Exception is partially cured with the attached PCCD; Disclosed $19.50 credit to cure. | Funded C B |
| 900000789 | XXXX | 1042547 | 12/19/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing BPO to support the AVM value of $XXXX. (BPO to be ordered by diligence 12/19/23.) | 12/20/2023 | Low DTI - 31.46% DTI < 45% Max Allowed.; Verified employment history - VOE confirms 9+ years employment with present employer.; Verified credit history - Middle credit scores 744/734 > 680 Minimum Required.; Verified housing payment history - Credit report confirms 34 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 56.63% LTV < 85% Max Allowed.; |  | 12/20/23 BPO received. Value returned at $XX variance is w/in acceptable 10% tolerance range at (-9.24%). - 12/20/23 BPO received. Value returned at $XX variance is w/in acceptable 10% tolerance range at (-9.24%). | Funded C A |
| 900000789 | XXXX | 1042559 | 12/19/2023 | Credit | Missing Proof Judgement and/or Tax Lien Paid/Released | CRED 0024 | 1 | Closed | Missing evidence that the judgements reflected on title do not belong to the borrower or that they have been satisfied:<br>| 02/08/2024 | Low DTI - 31.46% DTI < 45% Max Allowed.; Verified employment history - VOE confirms 9+ years employment with present employer.; Verified credit history - Middle credit scores 744/734 > 680 Minimum Required.; Verified housing payment history - Credit report confirms 34 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 56.63% LTV < 85% Max Allowed.; |  | 2/8/2024 - "Attached are the emails from title stating that none of these judgments were reflecting on their search package and therefore not being reflected on title. With that being said if these any of these judgements were still valid than they would have appeared on the search package and reflected on the prelim." \*\* Exception is cleared with the attached email correspondence from the title agent confirming all judgements, including child support, have expired (10+ years in state of xx). CRED 0024 Exception Cleared; - 2/8/2024 - "Attached are the emails from title stating that none of these judgments were reflecting on their search package and therefore not being reflected on title. With that being said if these any of these judgements were still valid than they would have appeared on the search package and reflected on the prelim." \*\* Exception is cleared with the attached email correspondence from the title agent confirming all judgements, including child support, have expired (10+ years in state of xx). CRED 0024 Exception Cleared; | Funded C A |
| 900000789 | XXXX | 1043970 | 01/03/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Estimated property tax, insurance, and HOA of $XX with property costs over year 1 of $XX is inaccurate. Actual property tax, insurance, and HOA is $XX. |  | Low DTI - 31.46% DTI < 45% Max Allowed.; Verified employment history - VOE confirms 9+ years employment with present employer.; Verified credit history - Middle credit scores 744/734 > 680 Minimum Required.; Verified housing payment history - Credit report confirms 34 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 56.63% LTV < 85% Max Allowed.; | 1/30/2024 - Exception is overridden to EV2 with the attached documented HOA fee from realtor.com and the PCCD; Disclosed estimated property tax, insurance and HOA payment of $XX with property costs over 11 months of $XX is over disclosed. TRID 0204 Exception Overridden to EV2; | Client: 1/30/2024 - Exception is overridden to EV2 with the attached documented HOA fee from realtor.com and the PCCD; Disclosed estimated property tax, insurance and HOA payment of $XX with property costs over 11 months of $XX is over disclosed. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000789 | XXXX | 1051825 | 03/13/2024 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 2 | Acknowledged | Missing verification of subject HOA fee. Review used $XX as per CD. |  | Low DTI - 31.46% DTI < 45% Max Allowed.; Verified employment history - VOE confirms 9+ years employment with present employer.; Verified credit history - Middle credit scores 744/734 > 680 Minimum Required.; Verified housing payment history - Credit report confirms 34 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 56.63% LTV < 85% Max Allowed.; | 1/30/2024 - Exception is overridden to EV2 with the attached documented HOA fee from realtor.com and the PCCD; Disclosed estimated property tax, insurance and HOA payment of $XX with property costs over 11 months of $XX is over disclosed. QMATR 0016 Exception Overridden to EV2; | Client: 1/30/2024 - Exception is overridden to EV2 with the attached documented HOA fee from realtor.com and the PCCD; Disclosed estimated property tax, insurance and HOA payment of $XX with property costs over 11 months of $XX is over disclosed. QMATR 0016 Exception Overridden to EV2; | Funded C B |
| 900000713 | XXXX | 1042660 | 12/20/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations |  | Verified housing payment history - 100 combined months of mortgage payment history paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 799 for Borrower. Co-borrower's is 764. Borrowers credit history reflects payments made 0x30 for all mortgages and installment debt both current and prior. One minor revolving account that is paid off reported a 1x30 within previous 24 month. All other revolving history is also 0x30. ; |  | Client: EV2 Non-Material | Approved C B |
| 900000714 | XXXX | 1042554 | 12/19/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. |  | Verified housing payment history - 99 months of combined satisfactory mortgage history paid 0x30 per credit report. ; Verified employment history - Co-borrower has been on her job with same employer for 9 years per re-verification of employment. ; |  | Client: EV2 Non-Material | Approved C B |
| 900000719 | XXXX | 1042721 | 12/20/2023 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated XX/XX/XX reflects Estimated Taxes, Insurance & Assessments of $1.00 with Estimated Property Costs over 1 year of $11. Review calculated $XXX per mth with an estimate of 11 mths totaling $XXXX. |  | Verified employment history - Borrower has been employed with same employer for 4.3 years. ; Verified housing payment history - 70 months of combined mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt with subject refinance eliminating $XXXX in monthly payments of which $XXX was monthly installment debt. ; | 12/27/2023 - Attached updated 1008 is insufficient to satisfy the compliance exception. The disclosed Estimated Taxes, Insurance & Assessments is inaccurate. TRID 0204 Exception Remains; | Client: EV2 Post closing corrective action - Corrective PC CD dated 01/09/24 received w/LOE to the borrower. | Approved C B |
| 900000754 | XXXX | 1042926 | 12/22/2023 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD reflects Estimated Taxes, Insurance & Assessments of $X with Estimated Property Costs over 1 year of $X. Review calculated $XX per mth with an estimate of 11 mths totaling $XX. |  | Verified employment history - Borrower has been employed with same employer for 35 years. ; Verified housing payment history - 76 combined months of mortgage history paid 0x30 per the credit report. ; Net tangible benefit - Borrower paid off consumer debt with the subject refinance eliminating $XXXX in total monthly payments of which $XXXX was monthly installment debt. ; | 1/4/2024 - Exception is cleared with the attached PCCD disclosing the correct property tax and insurance costs over year 1; 11 mos. REID 0204 Exception Overridden to EV2; | Client: 1/4/2024 - Exception is cleared with the attached PCCD disclosing the correct property tax and insurance costs over year 1; 11 mos. REID 0204 Exception Overridden to EV2; | Funded C B |
| 900000754 | XXXX | 1042955 | 12/22/2023 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing (two years) Wage & Income transcripts for B1. | 01/10/2024 | Verified employment history - Borrower has been employed with same employer for 35 years. ; Verified housing payment history - 76 combined months of mortgage history paid 0x30 per the credit report. ; Net tangible benefit - Borrower paid off consumer debt with the subject refinance eliminating $XXXX in total monthly payments of which $XXXX was monthly installment debt. ; | 1/10/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; | 1/10/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; - 1/10/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; | Funded C A |
| 900000754 | XXXX | 1042957 | 12/22/2023 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 1 | Closed | Missing a valid COC for the addition of $160 Notary fee and $45 Sub-escrow on the final CD paid by the borrower. | 02/08/2024 | Verified employment history - Borrower has been employed with same employer for 35 years. ; Verified housing payment history - 76 combined months of mortgage history paid 0x30 per the credit report. ; Net tangible benefit - Borrower paid off consumer debt with the subject refinance eliminating $XXXX in total monthly payments of which $XXXX was monthly installment debt. ; | 2/5/2024 - Recd PCCD, cover letter, copy of refund check $XX, with courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. TRID 0205 Exception Overridden to EV2;<br>1/10/2024 - Recd same COC that was provided in the original loan file. \*\* No exception cleared. COC does not provide a valid reason for the addition of the fees. TRID 0205 Exception Remains; <br>1/3/2024 - Attached copy of the PCCD is insufficient to satisfy the exception. Missing COC for the addition of the Notary and Sub-Escrow Fees. TRID 0205 Exception Remains; | 2/5/2024 - Recd PCCD, cover letter, copy of refund check $XX, with courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. TRID 0205 Exception Overridden to EV2;<br>- 2/5/2024 - Recd PCCD, cover letter, copy of refund check $XX, with courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. TRID 0205 Exception Overridden to EV2; | Funded C A |
| 900000722 | XXXX | 1043005 | 12/22/2023 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated XX/XX/XX reflects Estimated Taxes, Insurance & Assessments of $2.00 with Estimated Property Costs over 1 year of $22. Review calculated $XXX per mth with an estimate of 11 mths totaling $XXXX. |  | Verified employment history - Borrower has been employed with the same employer for 19 years.; Verified housing payment history - 36 months of prior mortgage history paid 0x30 per credit report and VOM in file. ; |  | Client: EV2 Post-Closing corrective action --01/12/24 PC CD dated XX/XX/XX received with LOE to borrower. Estimated Taxes, Insurance & Assessments of $XXX with Estimated Property Costs over 1 year of $XXXX. | Funded C B |
| 900000722 | XXXX | 1043015 | 12/22/2023 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XXXX/XXXX Wage & Income transcripts for B1. | 01/10/2024 | Verified employment history - Borrower has been employed with the same employer for 19 years.; Verified housing payment history - 36 months of prior mortgage history paid 0x30 per credit report and VOM in file. ; | 1/10/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; | 1/10/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; - 1/10/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; | Funded C A |
| 900000722 | XXXX | 1043022 | 12/22/2023 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. |  | Verified employment history - Borrower has been employed with the same employer for 19 years.; Verified housing payment history - 36 months of prior mortgage history paid 0x30 per credit report and VOM in file. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000742 | XXXX | 1043122 | 12/27/2023 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. | 01/02/2024 | Verified credit history - Borrower credit score is 722 with evidence that all credit per credit report has been paid 0x30. Oldest trade listed dates back to XX/XXXX. ; | 12/29/2023 - Exception is cleared with the attached Underwriting Decision. APRV 0003 Exception Cleared; | 12/29/2023 - Exception is cleared with the attached Underwriting Decision. APRV 0003 Exception Cleared; - 12/29/2023 - Exception is cleared with the attached Underwriting Decision. APRV 0003 Exception Cleared; | Funded C A |
| 900000742 | XXXX | 1043153 | 12/27/2023 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing VVOE dated w/in 10 days of the note date.<br>| 01/23/2024 | Verified credit history - Borrower credit score is 722 with evidence that all credit per credit report has been paid 0x30. Oldest trade listed dates back to XX/XXXX. ; | 01/11/24 VVOE dated XX/XX/XX is marked as being for Self-Employment with verification with business license.<br>\*\*Finding remains, Missing VVOE from employer (Paid salary/ W2, not self-employment income).A post-consummation dated VOE can be accepted to satisfy the exception.<br>12/29/2023 - Attached VVOE form is not dated. Additionally, state license search does not satisfactorily verify wage earner employment. A post-consummation dated VOE can be accepted to satisfy the exception. CRED 0006 Exception Remains; | 01/23/23 VVOE received verifying borrower active employment as of XX/XX/XX. - 01/23/23 VVOE received verifying borrower active employment as of XX/XX/XX. | Funded C A |
| 900000742 | XXXX | 1043155 | 12/27/2023 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Missing evidence of borrower Homeowner's Hazard Insurance premium and proof annual premium does not exceed $XXX. Proof of insurance in file does not disclose the premium amount used in qualifying. | 01/11/2024 | Verified credit history - Borrower credit score is 722 with evidence that all credit per credit report has been paid 0x30. Oldest trade listed dates back to XX/XXXX. ; |  | 01/11/24 HOI deck page confirming annual premium of $XXX received. - 01/11/24 HOI deck page confirming annual premium of $XXX received. | Funded C A |
| 900000788 | XXXX | 1043264 | 12/28/2023 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 2 | Acknowledged | Missing most recent two years Tax Transcripts. Borrower was qualified with XXXX income, however, documentation in file indicates ownership of (business). Installment debt paid by business was excluded in qualifying (REFER CRED 0086). <br>|  | Verified housing payment history - Credit report confirms 39 months satisfactory mortgage rating.; Verified credit history - Middle credit score 752 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 69.79% CLTV < 85% Max Allowed.; | 3/8/2024 - Recd response from investor, "Can we proceed without the (most recent year) transcripts since no S/E income is being used to qualify". CRED 0087 Investor Acknowledged Exception;<br>2/26/2024 - Recd investor granted exception to omit installment debt with business bank statements to support the exclusion. \*\* No exception cleared. Missing proof the (most recent year) tax return was electronically filed, or IRS officially stamped return, as required per guidelines. CRED 0087 Exception Remains;<br>1/17/2024 - Exception is partially cleared with the attached (prior year) tax transcripts. (most recent year) tax transcripts reflects no record of return filed. Missing proof the tax return was electronically filed, or IRS officially stamped return, as required per guidelines. CRED 0087 Exception Remains;<br>1/5/2024 - Posted response is insufficient to satisfy the exception. \*\* Most recent two years tax transcripts are required since there are no 1099s or W2s reported on the wage transcripts. A liability from the business was excluded in qualifying, thus tax transcripts are required to verify no loss. CRED 0086 Exception Remains; | Client: Investor Acknowledged Exception | Funded C B |
| 900000788 | XXXX | 1043265 | 12/28/2023 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 2 | Acknowledged | Installment debt was excluded in qualifying. Including the debt increases the DTI to 56.20% (Max 45%). Investor defers to (agency). <br>Deferment with 2 mo extension granted on installment debt. Borrower is a co-signor for the liability held in the name of a business for which borrower is (position). Monthly payment was excluded in qualifying with 12 months bank statements provided to evidence the business is paying the debt. Letter of explanation indicates a financial hardship due to slow business. No cash flow analysis provided. |  | Verified housing payment history - Credit report confirms 39 months satisfactory mortgage rating.; Verified credit history - Middle credit score 752 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 69.79% CLTV < 85% Max Allowed.; | 1/5/2024 - Recd investor acknowledged exception. CRED 0086 Investor Acknowledged Exception; | Client: Investor Acknowledged Exception | Funded C B |
| 900000720 | XXXX | 1043193 | 12/28/2023 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated XX/XX/XX Disclosed Estimated taxes and Insurance of $XX per month with Estimated Costs over 1 year of of $XX. Review calculated $XXX (HOI $XXX / $XXX per yr / Taxes $XXX / $XXX per yr). |  | Verified employment history - B1 has been with current employer since XX/XXXX supporting employment longevity. ; Verified housing payment history - 83 months of mortgage history verified on credit report paid 0x30. ; |  | Client: EV2 Post-Closing Corrective Action: 01/12/24 PC CD with LOE to the borrower received. Estimated taxes and Insurance updated to $XXX. Estimated Property Costs over Year 1 $XXXX (11mths) | Funded C B |
| 900000720 | XXXX | 1043234 | 12/28/2023 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XXXX/XXXX Wage & Income transcripts for both borrowers. | 01/09/2024 | Verified employment history - B1 has been with current employer since XX/XXXX supporting employment longevity. ; Verified housing payment history - 83 months of mortgage history verified on credit report paid 0x30. ; | 1/9/2024 - Exception is cleared with the attached two years wage transcripts for B1 and B2. CRED 0091 Exception Cleared; | 1/9/2024 - Exception is cleared with the attached two years wage transcripts for B1 and B2. CRED 0091 Exception Cleared; - 1/9/2024 - Exception is cleared with the attached two years wage transcripts for B1 and B2. CRED 0091 Exception Cleared; | Funded C A |
| 900000710 | XXXX | 1043256 | 12/28/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing BPO as required by Investor for AVM (Diligence to Order) | 01/02/2024 | Verified employment history - Borrower has been with same employer for 10 years plus, confirming employment longevity. ; Verified housing payment history - 110 months of combined verified satisfactory payment record per credit report in file.; Net tangible benefit - Borrower paid off consumer debt with subject refinance eliminating two installment debts totaling $XXX in monthly payments and an additional revolving account with a $XX payment. ; | 01/02/2024 - Exception is cleared with the attached post-closing 3rd Party BPO; value < 10% variance from the original AVM value. APPR 0046 Exception Cleared;<br>XX/XX/XX BPO order placed. | 01/02/2024 - Exception is cleared with the attached post-closing 3rd Party BPO; value < 10% variance from the original AVM value. APPR 0046 Exception Cleared;<br>- 01/02/2024 - Exception is cleared with the attached post-closing 3rd Party BPO; value < 10% variance from the original AVM value. APPR 0046 Exception Cleared; | Funded C A |
| 900000726 | XXXX | 1043282 | 12/28/2023 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. | 01/10/2024 | Verified employment history - B2 has been with same employer for 8 plus years. ; Net tangible benefit - Borrowers paid off 24 consumer accounts with subject refinance eliminating $XXXX in total monthly outlay debt payments. ; Verified credit history - 738 Indicator credit score with all credit paid 0x30 within previous 24 months. Present and prior mortgage histories all indicate 0x30 history for all months reviewed. ; | 01/02/2024 - Recd UW Decision with loan amount of XXX. Missing final loan approval. APRV 0001 Exception Remains; | 01/10/24 Lender loan approval received. - 01/10/24 Lender loan approval received. | Funded D A |
| 900000726 | XXXX | 1043287 | 12/28/2023 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | 1) Missing COC for LE issued XX/XX/XX.<br>2) Missing COC for LE issued XX/XX/XX. | 01/03/2024 | Verified employment history - B2 has been with same employer for 8 plus years. ; Net tangible benefit - Borrowers paid off 24 consumer accounts with subject refinance eliminating $XXXX in total monthly outlay debt payments. ; Verified credit history - 738 Indicator credit score with all credit paid 0x30 within previous 24 months. Present and prior mortgage histories all indicate 0x30 history for all months reviewed. ; | 01/02/2024 - Exception is cleared with the attached COC's. TRID 0171 Exception Cleared; | 01/02/2024 - Exception is cleared with the attached COC's. TRID 0171 Exception Cleared; - 01/02/2024 - Exception is cleared with the attached COC's. TRID 0171 Exception Cleared; | Funded C A |
| 900000726 | XXXX | 1043291 | 12/28/2023 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | No COCs provided for review. Final compliance results pending receipt of all applicable COCs for disclosures issued XX/XX/XX, XX/XX/XX, XX/XX/XX, and XX/XX/XX.-- | 01/03/2024 | Verified employment history - B2 has been with same employer for 8 plus years. ; Net tangible benefit - Borrowers paid off 24 consumer accounts with subject refinance eliminating $XXXX in total monthly outlay debt payments. ; Verified credit history - 738 Indicator credit score with all credit paid 0x30 within previous 24 months. Present and prior mortgage histories all indicate 0x30 history for all months reviewed. ; | 01/02/2024 - Exception auto-cleared with resubmission. Refer TRID 0171 01/02/2024. TRID 0195 Exception Cleared; | 01/02/2024 - Exception auto-cleared with resubmission. Refer TRID 0171 01/02/2024. TRID 0195 Exception Cleared; - 01/02/2024 - Exception auto-cleared with resubmission. Refer TRID 0171 01/02/2024. TRID 0195 Exception Cleared; | Funded C A |
| 900000775 | XXXX | 1043434 | 12/29/2023 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing EOI for subject property with lender listed as additional insured. Only billing information with RCE provided in file. | 01/04/2024 | Verified employment history - VOE confirms 15+ years employment with present employer.; Verified housing payment history - Credit report confirms 35 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 52.16% CLTV < 85% Max Allowed.; Verified credit history - Middle credit score 794 > 700 Minimum Required.; Low DTI - 29.19% DTI < 45% Max Allowed.; | 1/4/2024 - Exception is cleared with the attached EOI. CRED 0103 Exception Cleared; | 1/4/2024 - Exception is cleared with the attached EOI. CRED 0103 Exception Cleared; - 1/4/2024 - Exception is cleared with the attached EOI. CRED 0103 Exception Cleared; | Funded C A |
| 900000775 | XXXX | 1043435 | 12/29/2023 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XXXX/XXX Wage Transcripts. | 01/04/2024 | Verified employment history - VOE confirms 15+ years employment with present employer.; Verified housing payment history - Credit report confirms 35 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 52.16% CLTV < 85% Max Allowed.; Verified credit history - Middle credit score 794 > 700 Minimum Required.; Low DTI - 29.19% DTI < 45% Max Allowed.; | 1/4/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; | 1/4/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; - 1/4/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; | Funded C A |
| 900000775 | XXXX | 1043436 | 12/29/2023 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing final underwriting decision. UW Decision in file reflects the incorrect appraisal value of $XXX; Actual appraisal value is $XXX. Approved LTV 13.504% / CLTV 65.574%; Actual LTV 10.78% / CLTV 52.16%. Approved DTI 35.518% double counted the tax and insurance for subject property that is being escrowed on first lien. Review calculated DTI 29.19%. | 01/24/2024 | Verified employment history - VOE confirms 15+ years employment with present employer.; Verified housing payment history - Credit report confirms 35 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 52.16% CLTV < 85% Max Allowed.; Verified credit history - Middle credit score 794 > 700 Minimum Required.; Low DTI - 29.19% DTI < 45% Max Allowed.; | 1/24/2024 - Exception is cleared with the attached Underwriting Conditional Approval. APRV 0010 Exception Cleared; | 1/24/2024 - Exception is cleared with the attached Underwriting Conditional Approval. APRV 0010 Exception Cleared; - 1/24/2024 - Exception is cleared with the attached Underwriting Conditional Approval. APRV 0010 Exception Cleared; | Funded C A |
| 900000775 | XXXX | 1043437 | 12/29/2023 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Missing documented hazard insurance liability for non-subject REO. | 01/25/2024 | Verified employment history - VOE confirms 15+ years employment with present employer.; Verified housing payment history - Credit report confirms 35 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 52.16% CLTV < 85% Max Allowed.; Verified credit history - Middle credit score 794 > 700 Minimum Required.; Low DTI - 29.19% DTI < 45% Max Allowed.; |  | 01/25/24 LOE from borrower confirming no HOI for REO received. - 01/25/24 LOE from borrower confirming no HOI for REO received. | Funded C A |
| 900000775 | XXXX | 1043438 | 12/29/2023 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing Property Condition Report eValuation with Inspection. PCR with Exterior Inspection was ordered and charged $XX fee charged to Borrower prior to the appraisal report being ordered. | 02/27/2024 | Verified employment history - VOE confirms 15+ years employment with present employer.; Verified housing payment history - Credit report confirms 35 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 52.16% CLTV < 85% Max Allowed.; Verified credit history - Middle credit score 794 > 700 Minimum Required.; Low DTI - 29.19% DTI < 45% Max Allowed.; |  | 02/27/24 AVM and PCR received. - 02/27/24 AVM and PCR received. | Funded C A |
| 900000775 | XXXX | 1043440 | 12/29/2023 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for the addition of the PCR eValuation with Interior Inspection fee of $XX. COC dated XX/XX/XX does not reflect the addition of the fee. |  | Verified employment history - VOE confirms 15+ years employment with present employer.; Verified housing payment history - Credit report confirms 35 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 52.16% CLTV < 85% Max Allowed.; Verified credit history - Middle credit score 794 > 700 Minimum Required.; Low DTI - 29.19% DTI < 45% Max Allowed.; | 2/9/2024 - Exception is cured with the attached PCCD, cover letter, copy of refund check for $XXX, and courier receipt to evidence delivery to borrower was completed within 60 days from discovery. TRID 0195 Exception Overridden to EV2;<br>1/30/2024 - Attached COC XX/XX for the 2nd full appraisal fee of $XXX is insufficient to satisfy the exception. Missing COC for the addition of the PCR eValuation with Interior Inspection fee of $XX. TRID 0195 Exception Remains; | Client: 2/9/2024 - Exception is cured with the attached PCCD, cover letter, copy of refund check for $XXX, and courier receipt to evidence delivery to borrower was completed within 60 days from discovery. TRID 0195 Exception Overridden to EV2; | Funded C B |
| 900000775 | XXXX | 1043442 | 12/29/2023 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing valid reason for the increase to the recording fee disclosed on xx/xx/xx. COC does not provide the reason for the increase. |  | Verified employment history - VOE confirms 15+ years employment with present employer.; Verified housing payment history - Credit report confirms 35 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 52.16% CLTV < 85% Max Allowed.; Verified credit history - Middle credit score 794 > 700 Minimum Required.; Low DTI - 29.19% DTI < 45% Max Allowed.; | 2/9/2024 - Exception is cured with the attached PCCD, cover letter, copy of refund check for $XXX, and courier receipt to evidence delivery to borrower was completed within 60 days from discovery. TRID 0124 Exception Overridden to EV2; | Client: 2/9/2024 - Exception is cured with the attached PCCD, cover letter, copy of refund check for $XXX, and courier receipt to evidence delivery to borrower was completed within 60 days from discovery. TRID 0124 Exception Overridden to EV2; | Funded C B |
| 900000721 | XXXX | 1043554 | 01/02/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Missing Investor acceptance of Property type. Subject property location is reflected to be XXXX, under 25% built up. LRP Guidelines do not allow for XXXX property location. |  | Verified housing payment history - 59 months of mortgage history verified as paid 0x30. ; Verified employment history - B2 has been with same employer for 7 years plus. ; |  | Client: Investor Acknowledged Exception to accept XXXX property. | Funded C B |
| 900000721 | XXXX | 1043604 | 01/02/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated XX/XX/XX reflects Estimated Taxes, Insurance & Assessments of $X with Estimated Property Costs over 1 year of $X. Review calculated $XXX per mth. |  | Verified housing payment history - 59 months of mortgage history verified as paid 0x30. ; Verified employment history - B2 has been with same employer for 7 years plus. ; |  | Client: EV2 Post-Closing corrective action- 01/12/24 LOE to the borrower and PC CD dated XX/XX/XX reflecting Estimated Taxes, Insurance & Assessments of $XXX with Estimated Property Costs over 1 year of $XXX. | Funded C B |
| 900000721 | XXXX | 1043663 | 01/02/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XXXX/XXXX Wage & Income transcripts for B1 and B2. | 01/05/2024 | Verified housing payment history - 59 months of mortgage history verified as paid 0x30. ; Verified employment history - B2 has been with same employer for 7 years plus. ; | 1/4/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared;<br>| 1/4/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; - 1/4/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; | Funded C A |
| 900000730 | XXXX | 1043687 | 01/02/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Missing Investor acceptance of Property type. Subject property location is reflected to be XX on XX acres. LRP Guidelines do not allow for XX property location. |  | Verified housing payment history - Credit report in file reflects present and multiple previous mortgage accounts all reporting 0x30 payment records. While there are some gaps between mortgages reported, the oldest mortgage account dates back to XX/XXXX. ; Net tangible benefit - Borrower paid off a consumer account with subject cash out eliminating a $XX monthly payment and received $XX cash in hand. ; Verified credit history - Borrower has 708 indicator credit score with all consumer debt paid 0x30 for previous 24 month history. ; |  | Client: Investor Acknowledged Exception. | Funded C B |
| 900000730 | XXXX | 1043739 | 01/03/2024 | Credit | Missing Borrower Job Title | APP 0016 | 2 | Acknowledged | Missing final job title on final 1003 application. Per VOE in file, title is XXXX. |  | Verified housing payment history - Credit report in file reflects present and multiple previous mortgage accounts all reporting 0x30 payment records. While there are some gaps between mortgages reported, the oldest mortgage account dates back to XX/XXXX. ; Net tangible benefit - Borrower paid off a consumer account with subject cash out eliminating a $XX monthly payment and received $XX cash in hand. ; Verified credit history - Borrower has 708 indicator credit score with all consumer debt paid 0x30 for previous 24 month history. ; | 1/10/2024 - Recd updated 1003. | Client: EV2 Non-Material | Funded C B |
| 900000730 | XXXX | 1043871 | 01/03/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations | 01/10/2024 | Verified housing payment history - Credit report in file reflects present and multiple previous mortgage accounts all reporting 0x30 payment records. While there are some gaps between mortgages reported, the oldest mortgage account dates back to XX/XXXX. ; Net tangible benefit - Borrower paid off a consumer account with subject cash out eliminating a $XX monthly payment and received $XX cash in hand. ; Verified credit history - Borrower has 708 indicator credit score with all consumer debt paid 0x30 for previous 24 month history. ; | 1/10/2024 - Exception is cleared with the attached updated appraisal with the attached USPAP Compliance Addendum Additional Certification confirming appraisal was prepared in accordance with Title XI. APPR 0044 Cleared; | 1/10/2024 - Exception is cleared with the attached updated appraisal with the attached USPAP Compliance Addendum Additional Certification confirming appraisal was prepared in accordance with Title XI. APPR 0044 Cleared; - 1/10/2024 - Exception is cleared with the attached updated appraisal with the attached USPAP Compliance Addendum Additional Certification confirming appraisal was prepared in accordance with Title XI. APPR 0044 Cleared; | Funded C A |
| 900000724 | XXXX | 1043956 | 01/03/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD reflects Estimated Taxes, Insurance & Assessments of $2.00 with Estimated Property Costs over 1 year of $22. Review calculated $XXX per mth with an estimate of 11 mths totaling $XXXX. |  | Verified housing payment history - 88 months of verified housing history on credit report paid 0x30. ; Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating $XXXX in monthly payments. ; | 1/10/2024 - Exception is cleared with the attached PCCD; correct taxes and insurance in 11 mos disclosed. TRID 0204 Exception Overridden to EV2; | Client: 1/10/2024 - Exception is cleared with the attached PCCD; correct taxes and insurance in 11 mos disclosed. TRID 0204 Exception Overridden to EV2; | Approved C B |
| 900000724 | XXXX | 1043983 | 01/03/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing a valid COC for the decrease in lender credits. | 01/10/2024 | Verified housing payment history - 88 months of verified housing history on credit report paid 0x30. ; Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating $XXXX in monthly payments. ; | 1/10/2024 - Data entry error identified; lender credit duplicated on initial CD by reviewer. Exception cleared upon resubmission. TRID 0121 Exception Cleared; | 1/10/2024 - Data entry error identified; lender credit duplicated on initial CD by reviewer. Exception cleared upon resubmission. TRID 0121 Exception Cleared; - 1/10/2024 - Data entry error identified; lender credit duplicated on initial CD by reviewer. Exception cleared upon resubmission. TRID 0121 Exception Cleared; | Approved C |
| 900000724 | XXXX | 1043993 | 01/03/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. |  | Verified housing payment history - 88 months of verified housing history on credit report paid 0x30. ; Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating $XXXX in monthly payments. ; |  | Client: EV2 Non-Material | Approved C B |
| 900000724 | XXXX | 1044940 | 01/10/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 01/10/2024 | Verified housing payment history - 88 months of verified housing history on credit report paid 0x30. ; Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating $XXXX in monthly payments. ; |  |  | Approved C |
| 900000764 | XXXX | 1044240 | 01/04/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Property population density per AVM in file is reflected as XX. Missing Investor acceptance of Property type. Subject property population density on AVM is reflected to be XX. (investor) Guidelines do not allow for XX property location. |  | Verified employment history - B1 has been verified to be on present job for 19 years. ; Net tangible benefit - Borrowers paid off consumer debt with subject loan totaling $XXX which eliminated a total of $XXX in monthly payment outlay. ; Verified housing payment history - Over 100 combined months of prior mortgage payment history verified paid 0x30 per credit report. ; | 1/16/2024 - Recd response from investor, "We are ok with granting the exceptions listed below. Exception for XX property." PROP 0002 Investor Acknowledged Exception; | Client: 1/16/2024 - Recd response from investor, "We are ok with granting the exceptions listed below. Exception for XX property." PROP 0002 Investor Acknowledged Exception; | Funded C B |
| 900000764 | XXXX | 1044268 | 01/04/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD reflects Estimated Taxes, Insurance & Assessments of $X with Estimated Property Costs over 1 year of $XX. Review calculated $XXX per mth with an estimate of 11 mths totaling $XXXX. |  | Verified employment history - B1 has been verified to be on present job for 19 years. ; Net tangible benefit - Borrowers paid off consumer debt with subject loan totaling $XXX which eliminated a total of $XXX in monthly payment outlay. ; Verified housing payment history - Over 100 combined months of prior mortgage payment history verified paid 0x30 per credit report. ; | 1/10/2024 - Exception is overridden to EV2 with the attached PCCD; actual tax and insurance in 11 mos disclosed. TRID 0204 Exception Overridden to EV2; | Client: 1/10/2024 - Exception is overridden to EV2 with the attached PCCD; actual tax and insurance in 11 mos disclosed. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000764 | XXXX | 1044275 | 01/04/2024 | Credit | Missing Flood Insurance Cert. | FLOOD 0007 | 1 | Closed | Missing evidence of Flood Certification from file. Unable to determine flood zone. | 01/08/2024 | Verified employment history - B1 has been verified to be on present job for 19 years. ; Net tangible benefit - Borrowers paid off consumer debt with subject loan totaling $XXX which eliminated a total of $XXX in monthly payment outlay. ; Verified housing payment history - Over 100 combined months of prior mortgage payment history verified paid 0x30 per credit report. ; |  | 01/08/24 Subject flood cert received. Subject confirmed Zone X. - 01/08/24 Subject flood cert received. Subject confirmed Zone X. | Funded C A |
| 900000764 | XXXX | 1044278 | 01/04/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing:<br>1) (two years) Wage & Income transcripts for B1<br>2) (tow years) Wage & Income transcripts for B2 | 01/18/2024 | Verified employment history - B1 has been verified to be on present job for 19 years. ; Net tangible benefit - Borrowers paid off consumer debt with subject loan totaling $XXX which eliminated a total of $XXX in monthly payment outlay. ; Verified housing payment history - Over 100 combined months of prior mortgage payment history verified paid 0x30 per credit report. ; | 1/17/2024 - Part 2 of the exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Remains;<br>1/9/2024 - Part 1 of the exception is cleared with the attached copy of most recent two years wage transcripts. Part 2 of the exception remains. CRED 0091 Exception Remains; | 1/17/2024 - Part 2 of the exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Remains; - 1/17/2024 - Part 2 of the exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Remains; | Funded C A |
| 900000764 | XXXX | 1044282 | 01/04/2024 | Compliance | Prior Loan Estimate Sent Method Not In Person and No Received Date | TRID 0016 | 1 | Closed | Missing evidence of electronic delivery of the Loan Estimate date issued on (##/#/####). Borrower did not execute nor is there proof of confirmed electronic delivery/receipt to eliminate the Mail Box rule. | 02/01/2024 | Verified employment history - B1 has been verified to be on present job for 19 years. ; Net tangible benefit - Borrowers paid off consumer debt with subject loan totaling $XXX which eliminated a total of $XXX in monthly payment outlay. ; Verified housing payment history - Over 100 combined months of prior mortgage payment history verified paid 0x30 per credit report. ; | Previous Cleared Comment<br>01/08/24 Document tracking details for LE issued (##/#/####) received. | 01/08/24 Document tracking details for LE issued (##/#/####) received. - 01/08/24 Document tracking details for LE issued (##/#/####) received. | Funded C A |
| 900000764 | XXXX | 1044283 | 01/04/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing evidence of electronic delivery of the Loan Estimate date issued on (##/#/####). Borrower did not execute nor is there proof of confirmed electronic delivery/receipt to eliminate the Mail Box rule. | 02/16/2024 | Verified employment history - B1 has been verified to be on present job for 19 years. ; Net tangible benefit - Borrowers paid off consumer debt with subject loan totaling $XXX which eliminated a total of $XXX in monthly payment outlay. ; Verified housing payment history - Over 100 combined months of prior mortgage payment history verified paid 0x30 per credit report. ; | 2/12/2024 - Exception is cleared with the attached copy of the latest issued LE wet signed by the borrowers on the issuance date. TRID 0023 Exception Cleared;<br>1/31/2024 - The attached audit trail does not evidence delivery to borrower of the LE issued (##/#) TRID 0023 Exception Remains;<br>1/26/2024 - "The date in the disclosure tracking was entered in error and we cannot locate the signed loan estimate". \*\* No exception cleared. Missing disclosure tracking to confirm borrowers receipt of the LEs. TRID 0023 Exception Remains;<br>01/17/23 Response to items presented 01/16/23 received. <br>\*\*Finding remains, Follow up email sent to (investor) with details of docs presented vs what is needed. Missing the Disclosure tracking details to confirm borrower receipt of the LEs dated (##/##/##) and (##/##/##). Audit trail documents provided to do not verify borrower receipt.<br>1/16/2024 - The attached audit trail is confirms delivery of the disclosure package to Ramon River, not the borrowers. Missing is disclosure tracking evidencing delivery to borrower was completed no later than four business days prior to consummation. TRID 0023 Exception Remains;<br>01/08/23 Document tracking details for LE issued (##/##/##) received. <br>\*\* Finding remains, Mail Box Rule applies. Per the document tracking the LE was sent via 1st class mail on (##/##/##). No evidence of electronic delivery and/or receipt by borrower(s). | 2/12/2024 - Exception is cleared with the attached copy of the latest issued LE wet signed by the borrowers on the issuance date. TRID 0023 Exception Cleared; - 2/12/2024 - Exception is cleared with the attached copy of the latest issued LE wet signed by the borrowers on the issuance date. TRID 0023 Exception Cleared; | Funded C A |
| 900000790 | XXXX | 1044379 | 01/05/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Underwriting Approval. | 01/09/2024 | Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating a monthly payment of $XXX per month. ; Verified employment history - B1 has been with current employer for 11 years plus. ; Verified credit history - 740 indicator credit score for primary wage earner B1 with proof that all credit reflected on credit report in file is paid 0x30 including all mortgage histories listed. ; | 1/9/2024 - Exception is cleared with the attached Underwriting Decision. APRV 0001 Exception Cleared; | 1/9/2024 - Exception is cleared with the attached Underwriting Decision. APRV 0001 Exception Cleared; - 1/9/2024 - Exception is cleared with the attached Underwriting Decision. APRV 0001 Exception Cleared; | Funded D A |
| 900000790 | XXXX | 1044390 | 01/05/2024 | Compliance | Mortgage/Deed of Trust is Incomplete | DEED 0049 | 1 | Closed | Missing certification that Notary date is XX/XX/XX. Per the Notary certification on the Mortgage, the handwritten date reflects XX/XX/XX. | 01/30/2024 | Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating a monthly payment of $XXX per month. ; Verified employment history - B1 has been with current employer for 11 years plus. ; Verified credit history - 740 indicator credit score for primary wage earner B1 with proof that all credit reflected on credit report in file is paid 0x30 including all mortgage histories listed. ; | 1/26/2024 - Exception is cleared with the attached notary certification with letter of intent to rerecord. DEED 0049 Exception Cleared; | 1/26/2024 - Exception is cleared with the attached notary certification with letter of intent to rerecord. DEED 0049 Exception Cleared; - 1/26/2024 - Exception is cleared with the attached notary certification with letter of intent to rerecord. DEED 0049 Exception Cleared; | Funded C A |
| 900000790 | XXXX | 1044395 | 01/05/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | ROR disclosed hand changed amended expiration date of XX/XX/XX is the same as the final CD disbursement date. | 03/07/2024 | Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating a monthly payment of $XXX per month. ; Verified employment history - B1 has been with current employer for 11 years plus. ; Verified credit history - 740 indicator credit score for primary wage earner B1 with proof that all credit reflected on credit report in file is paid 0x30 including all mortgage histories listed. ; | 2/29/2024 - Recd updated settlement statement confirming the disbursement date of XX with interest of $XX paid from XX. Settlement statement reflects $XX to borrower with the adjustment made to the prepaid interest. Missing evidence of refund to borrower. ROR 0009 Exception Remains; <br>2/16/2024 - Attached settlement statement is insufficient to satisfy the exception. Settlement statement prepaid interest is $XX and PCCD prepaid interest $XX. Discrepancy to be satisfactorily addressed by settlement agent. ROR 0009 Exception Remains;<br>2/07/2024 - Recd letter of explanation for PCCD XX. Attached estimated settlement statement is insufficient to cure the exception. Final settlement statement reflects interest paid to XX in the amount of $XX (Stip 1/31). PCCD prepaid interest from XX in the amount of $XX. Discrepancy to be satisfactorily addressed by settlement agent. ROR 0009 Exception Remains;<br>02/05/24 PC CD dated XX/XX/XX received with a copy of the final settlement statement. PC CD reflects a disbursement date of XX/XX/XX with prepaid interest from XX/XX/XX of $69.87. Final settlement statement reflects a disbursement date of XX/XX/XX but prepaid interest from XX/XX/XX $XX. Additionally the LOE for the redisclosed CD was not provided. Missing corrected final settlement statement and LOE to the borrower explaining the reason for re-disclosure.<br>1/31/2024 - Recd revised final settlement statement reflecting a disbursement date of XX. Still missing dry funding CD disclosing the correct disbursement date. ROR 0009 Exception Remains;<br>1/26/2024 - Attached settlement statement is insufficient to satisfy the exception. Interest paid from date is XX and the disbursement date is missing. Settlement agent to confirm date of disbursement. Also missing dry funding CD disclosing the correct disbursement date. ROR 0009 Exception Remains; | 03/07/24 Final HUD confirming disbursement date of XX/XX/XX with interest from XX/XX/XX (PPI XX) received. - 03/07/24 Final HUD confirming disbursement date of XX/XX/XX with interest from XX/XX/XX (PPI XX) received. | Funded C A |
| 900000790 | XXXX | 1044420 | 01/05/2024 | Credit | Missing evidence of Hazard Insurance | HAZ 0005 | 1 | Closed | Missing evidence of Hazard Insurance Declarations page on subject property. None located in file. File contains a Replacement Cost Estimate but does not confirm Policy annual Premium nor the Policy term. Unable to confirm amount of monthly HOI used in qualifying of $XXXX annually or $XXXX per month. | 01/23/2024 | Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating a monthly payment of $XXX per month. ; Verified employment history - B1 has been with current employer for 11 years plus. ; Verified credit history - 740 indicator credit score for primary wage earner B1 with proof that all credit reflected on credit report in file is paid 0x30 including all mortgage histories listed. ; | 1/9/2024 - Exception is partially cleared with the attached EOI. Missing EOI reflecting lender as additional insured. HAZ 0005 Exception Remains; | 01/23/24 HOI Deck page reflecting subject lender as mortgagee w/loan number. - 01/23/24 HOI Deck page reflecting subject lender as mortgagee w/loan number. | Funded D A |
| 900000790 | XXXX | 1044627 | 01/08/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. File contains a VM effective XX/XX/XX and separate Exterior PCI- Property Condition Inspection dated XX/XX/XX. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) Must be an approved AVM provider. |  | Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating a monthly payment of $XXX per month. ; Verified employment history - B1 has been with current employer for 11 years plus. ; Verified credit history - 740 indicator credit score for primary wage earner B1 with proof that all credit reflected on credit report in file is paid 0x30 including all mortgage histories listed. ; | 02/13/24 Email received from investor, OK to accept. |  | Funded C B |
| 900000790 | XXXX | 1044628 | 01/08/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Post close BPO required by investor to support AVM value of $XXXX (Diligence to Order). | 01/11/2024 | Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating a monthly payment of $XXX per month. ; Verified employment history - B1 has been with current employer for 11 years plus. ; Verified credit history - 740 indicator credit score for primary wage earner B1 with proof that all credit reflected on credit report in file is paid 0x30 including all mortgage histories listed. ; |  |  | Funded C A |
| 900000790 | XXXX | 1044629 | 01/08/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures, Escrow Account information section on the Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating a monthly payment of $XXX per month. ; Verified employment history - B1 has been with current employer for 11 years plus. ; Verified credit history - 740 indicator credit score for primary wage earner B1 with proof that all credit reflected on credit report in file is paid 0x30 including all mortgage histories listed. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000790 | XXXX | 1044630 | 01/08/2024 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing copy of the final settlement statement to verify the funding date. Final CD dated XX/XX/XX reflects a disbursement date of XX/XX/XX which is the same date that the ROR expired. | 02/05/2024 | Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating a monthly payment of $XXX per month. ; Verified employment history - B1 has been with current employer for 11 years plus. ; Verified credit history - 740 indicator credit score for primary wage earner B1 with proof that all credit reflected on credit report in file is paid 0x30 including all mortgage histories listed. ; |  | 02/05/24 Final Settlement statement received reflecting a disbursement date of XX/XX/XX. - 02/05/24 Final Settlement statement received reflecting a disbursement date of XX/XX/XX. | Funded D A |
| 900000790 | XXXX | 1051061 | 03/07/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR on the PC CD dated XX/XX/XX 10.338%, APR on the CD executed at closing XX/XX/XX 10.341%. APR Decreased. |  | Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating a monthly payment of $XXX per month. ; Verified employment history - B1 has been with current employer for 11 years plus. ; Verified credit history - 740 indicator credit score for primary wage earner B1 with proof that all credit reflected on credit report in file is paid 0x30 including all mortgage histories listed. ; |  | Client: EV2 Non-Material - Benefit to borrower as APR decreased. | Funded C B |
| 900000737 | XXXX | 1044411 | 01/05/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender approval. | 01/09/2024 | Verified credit history - Middle credit score 769 with no history of delinquency reported. Minimum credit score required 700.; Verified reserves - Two months reserves are required, cash out proceeds will provide borrower with 57 months combined mortgage payments reserves; | 1/9/2024 - Exception is cleared with the attached Underwriting Decision. APRV 0001 Exception Cleared; | 1/9/2024 - Exception is cleared with the attached Underwriting Decision. APRV 0001 Exception Cleared; - 1/9/2024 - Exception is cleared with the attached Underwriting Decision. APRV 0001 Exception Cleared; | Funded D A |
| 900000737 | XXXX | 1044433 | 01/05/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for the increase to the Loan Discount, the CD dated XX/XX/XX reflects $XX which increased to $XXX without a changed circumstance. | 01/09/2024 | Verified credit history - Middle credit score 769 with no history of delinquency reported. Minimum credit score required 700.; Verified reserves - Two months reserves are required, cash out proceeds will provide borrower with 57 months combined mortgage payments reserves; | 1/9/2024 - Exception is cleared with the attached COC due for pricing adjustment due to appraisal value decrease. TRID 0195 Exception Cleared; | 1/9/2024 - Exception is cleared with the attached COC due for pricing adjustment due to appraisal value decrease. TRID 0195 Exception Cleared; - 1/9/2024 - Exception is cleared with the attached COC due for pricing adjustment due to appraisal value decrease. TRID 0195 Exception Cleared; | Funded C A |
| 900000737 | XXXX | 1044623 | 01/08/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures, Escrow Account information section on the Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified credit history - Middle credit score 769 with no history of delinquency reported. Minimum credit score required 700.; Verified reserves - Two months reserves are required, cash out proceeds will provide borrower with 57 months combined mortgage payments reserves; |  | Client: EV2 Non-Material | Funded C B |
| 900000737 | XXXX | 1044624 | 01/08/2024 | Property | Appraisal Value is not supported by comparables | APPR 0039 | 2 | Acknowledged | AVM in file dated XX/XX/XX returned with a Confidence score of 89, FSD 0.11 which is outside the acceptable tolerance of 90%, FSD 0.10. |  | Verified credit history - Middle credit score 769 with no history of delinquency reported. Minimum credit score required 700.; Verified reserves - Two months reserves are required, cash out proceeds will provide borrower with 57 months combined mortgage payments reserves; |  | Client: Investor acknowledged Exception to accept AVM as submitted. BPO returned supporting value. | Funded C B |
| 900000737 | XXXX | 1044625 | 01/08/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | AVM in file dated XX/XX/XX provided with separate Exterior PCI dated XX/XX/XX. This does not meet the guideline requirement of AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) - Must be an approved AVM provider. |  | Verified credit history - Middle credit score 769 with no history of delinquency reported. Minimum credit score required 700.; Verified reserves - Two months reserves are required, cash out proceeds will provide borrower with 57 months combined mortgage payments reserves; | 01/16/24 Investor acknowledged. BPO dated XX/XX/XX returned with Value of $XXXX | Client: 01/16/24 Investor acknowledged. BPO dated XX/XX/XX returned with Value of $XXXX | Funded C B |
| 900000737 | XXXX | 1044779 | 01/09/2024 | Compliance | Compliance Submission Pending Update | COMP 0043 | 1 | Closed |  | 01/09/2024 | Verified credit history - Middle credit score 769 with no history of delinquency reported. Minimum credit score required 700.; Verified reserves - Two months reserves are required, cash out proceeds will provide borrower with 57 months combined mortgage payments reserves; |  |  | Funded C A |
| 900000725 | XXXX | 1044336 | 01/05/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender approval. | 01/09/2024 | Low LTV/CLTV/HCLTV - LTV 4.98%, CLTV 38.71%, maximum LTV is 85%.; Verified credit history - Middle credit score 750 with no history of delinquency reported. Minimum credit score required 700.; Low DTI - DTI 36.85%, maximum DTI 45%; Verified employment history - The borrower has been with their current employer for more than 20 years.; | 1/8/2024 - Exception is cleared with the attached Underwriter Decision. APRV 0001 Exception Cleared; | 1/8/2024 - Exception is cleared with the attached Underwriter Decision. APRV 0001 Exception Cleared; - 1/8/2024 - Exception is cleared with the attached Underwriter Decision. APRV 0001 Exception Cleared; | Approved D |
| 900000725 | XXXX | 1044399 | 01/05/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing 3rd Party BPO. BPO to be ordered by the diligence co. | 01/08/2024 | Low LTV/CLTV/HCLTV - LTV 4.98%, CLTV 38.71%, maximum LTV is 85%.; Verified credit history - Middle credit score 750 with no history of delinquency reported. Minimum credit score required 700.; Low DTI - DTI 36.85%, maximum DTI 45%; Verified employment history - The borrower has been with their current employer for more than 20 years.; | 1/5/2024 - BPO Ordered by Diligence; | 01/08/24 BPO received with As Is value of $XXXX. Variance of -8.96% is w/in the acceptable 10% tolerance. - 01/08/24 BPO received with As Is value of $XXXX. Variance of -8.96% is w/in the acceptable 10% tolerance. | Approved C |
| 900000776 | XXXX | 1044523 | 01/08/2024 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | The loan fees ($2,821.13) exceed the (FED2014) (Note Amount >=$24,866.00) fee limit, which is 5% of the Total Loan Amount ($2,794.41), the difference is ($26.72). (12 CFR 1026.32). | 02/23/2024 | Income verified was not used in qualifying - Borrower qualified on base earnings only. YTD paystubs confirm a greater earnings record than used in qualifying. ; Net tangible benefit - Borrower paid off XXXX in consumer debt eliminating $XXXX in monthly outlay payments. ; | 2/09/24 - Recd duplicate copy of PCCD dated XX/XX/XX. Solar Subordination Fee of $XXX Disclosed in Section H was updated to change fee paid to creditor instead of lender. No lender credit is reflected on the CD. Also provided was the LOE to the borrower explaining reason for re-disclosure. Per "LOE Enclosed is your refund check and a copy of the revised Post CD for your records." No Check copy provided.<br>\*\*Finding remains, Missing invoice and/or evidence of disbursement to Technology Credit Union to support the changes made to the PCCD.<br>2/2/2024 - Recd PCCD XX/XX/XX; Solar Subordination Fee of $XXX Disclosed in Section H was updated to change fee paid to creditor instead of seller. Missing invoice and/or evidence of disbursement to XXX to support the changes made to the PCCD. Also missing corresponding letter of explanation. HCOST 0001 Exception Remains;<br>01/12/24 Lender Mavent report received. \*\* No exception cleared. Lender excluded $XXX solar subordination fee that was paid to lender. HCOST 0001 Exception Remains; | 02/23/24 Copy of cancelled check from NAF in the amount of $XXX to XXX dated XX/XX/XX received. Verified fee is a pass through cost. Finding cleared upon resubmission. - 02/23/24 Copy of cancelled check from NAF in the amount of $XXX to XXX dated XX/XX/XX received. Verified fee is a pass through cost. Finding cleared upon resubmission. | Funded C A |
| 900000733 | XXXX | 1044594 | 01/08/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing underwriting decision with the documented loan approval date. | 01/09/2024 | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 79.05% CLTV < 85% Max Allowed.; | 1/9/2024 - Exception is cleared with the attached copy of the Underwriting Decision. APRV 0001 Exception Remains; | 1/9/2024 - Exception is cleared with the attached copy of the Underwriting Decision. APRV 0001 Exception Remains; - 1/9/2024 - Exception is cleared with the attached copy of the Underwriting Decision. APRV 0001 Exception Remains; | Funded D A |
| 900000733 | XXXX | 1044600 | 01/08/2024 | Credit | Missing Required Property Title Search | TITL 0009 | 1 | Closed | Missing supplemental title report or final title policy with coverage sufficient to cover the Note amount of $XXXX. Supplemental report coverage $XXXX < Note Amount. | 01/09/2024 | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 79.05% CLTV < 85% Max Allowed.; | 1/9/2024 - Exception is cleared with the attached email correspondence from the title agent confirming coverage of $XXX. TITL 0009 Exception Cleared; | 1/9/2024 - Exception is cleared with the attached email correspondence from the title agent confirming coverage of $XXX. TITL 0009 Exception Cleared; - 1/9/2024 - Exception is cleared with the attached email correspondence from the title agent confirming coverage of $XXX. TITL 0009 Exception Cleared; | Funded C A |
| 900000733 | XXXX | 1044601 | 01/08/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Borrower was not provided complete 3 days to rescind the transaction. Loan disbursement date XX/XX/XX is prior to the ROR expiration XX/XX/XX. | 01/13/2024 | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 79.05% CLTV < 85% Max Allowed.; | 01/12/24 Duplicate copy of the PC CD dated XX/XX/XX received w/letter of explanation, copy of refund check, and evidence of trackable delivery to borrower<br>1/9/2024 - Exception is partially cured with the attached PCCD. Missing corresponding letter of explanation, copy of refund check, and evidence of trackable delivery to borrower; PCCD disclosed $270 credit to cure. Also missing final settlement statement or confirmation from the settlement agent of the date the loan proceeds were disbursed. ROR 0009 Exception Remains; | 01/12/24 Duplicate copy of the PC CD dated XX/XX/XX received w/letter of explanation, copy of refund check, and evidence of trackable delivery to borrower - 01/12/24 Duplicate copy of the PC CD dated XX/XX/XX received w/letter of explanation, copy of refund check, and evidence of trackable delivery to borrower | Funded C A |
| 900000733 | XXXX | 1044607 | 01/08/2024 | Compliance | LE is not within 3 business days of Change of Circumstance. | TRID 0162 | 1 | Closed | CD dated XX/XX/XX was not issued within 3 business days of the rate lock date of XX/XX/XX. 3 business days excluding Saturday and the Thanksgiving Holiday is XX/XX/XX. | 01/09/2024 | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 79.05% CLTV < 85% Max Allowed.; | 1/9/2024 - "Please see LOX regarding Rate Lock on XX/XX/XX LE, with delay due to observance of Thanksgiving and Lender office closed." Exception is cleared. COC removed from compliance testing. tolerance violation cured with PCCD. TRID 0162 Exception Cleared; | 1/9/2024 - "Please see LOX regarding Rate Lock on XX/XX/XX LE, with delay due to observance of Thanksgiving and Lender office closed." Exception is cleared. COC removed from compliance testing. tolerance violation cured with PCCD. TRID 0162 Exception Cleared; - 1/9/2024 - "Please see LOX regarding Rate Lock on XX/XX/XX LE, with delay due to observance of Thanksgiving and Lender office closed." Exception is cleared. COC removed from compliance testing. tolerance violation cured with PCCD. TRID 0162 Exception Cleared; | Funded C A |
| 900000733 | XXXX | 1044613 | 01/08/2024 | Credit | Missing Documentation or Proof of ATR Underwriting Factors | QMATR 0016 | 1 | Closed | Missing documented hazard insurance payment for non-subject REO, XXXX. | 01/22/2024 | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 79.05% CLTV < 85% Max Allowed.; | 1/9/2024 - Missing borrower signed letter of explanation confirming there is no hazard insurance policy on non-subject REO. Attached letter of clarification is insufficient to satisfy the exception. QMATR 0016 Exception Remains; | 01/22/23 LOE from borrower received confirming no HOI for REO. - 01/22/23 LOE from borrower received confirming no HOI for REO. | Funded C A |
| 900000733 | XXXX | 1044615 | 01/08/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for increase to Loan Discount from $XXX disclosed on XX/XX to $XXX at closing. |  | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 79.05% CLTV < 85% Max Allowed.; | 01/12/24 Duplicate copy of the PC CD dated XX/XX/XX received.<br>\*\*Finding remains, PCCD disclosed $XXX credit to cure. Missing corresponding letter of explanation, copy of refund check, and evidence of trackable delivery to borrower<br>1/9/2024 - Exception is partially cured with the attached PCCD. Missing corresponding letter of explanation, copy of refund check, and evidence of trackable delivery to borrower; PCCD disclosed $XXX credit to cure. TRID 0195 Exception Remains; | Client: EV2 Post-Closing corrective action--01/12/24 Duplicate copy of the PC CD dated XX/XX/XX received w/letter of explanation, copy of refund check, and evidence of trackable delivery to borrower | Funded C B |
| 900000733 | XXXX | 1044616 | 01/08/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 79.05% CLTV < 85% Max Allowed.; |  | Client: EV2 Non-Material | Funded C B |
| 900000733 | XXXX | 1044620 | 01/08/2024 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Missing employer letter of explanation for YTD income thru XX/XX/XX per paystub of $XXXX does not correspond with the YTD income on the WVOE of $XXXX. | 01/13/2024 | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 79.05% CLTV < 85% Max Allowed.; |  | 01/24/24 LOE reced from employer: Looking at his break down, I forgot to mention that he is a XX employee, I actually just listed his gross pay for regular, overtime and double time. Our system shows the union benefits separate.<br>VSD $XXXX<br>SAFETY(BDAY PAY) $XXX<br>VAC $XXX<br>SUP $XX<br>When adding all his gross income and fringe benefits it gives us a total of $XXXX. - 01/24/24 LOE reced from employer: Looking at his break down, I forgot to mention that he is a XX employee, I actually just listed his gross pay for regular, overtime and double time. Our system shows the union benefits separate.<br>VSD $XXXX<br>SAFETY(BDAY PAY) $XXX<br>VAC $XXX<br>SUP $XX<br>When adding all his gross income and fringe benefits it gives us a total of $XXXX. | Funded C A |
| 900000733 | XXXX | 1044622 | 01/08/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures, Escrow Account information section on the Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 79.05% CLTV < 85% Max Allowed.; |  | Client: EV2 Non-Material --Note PC CD dated XX/XX/XX was updated to reflect that the lender does not offer an escrow account. | Funded C B |
| 900000729 | XXXX | 1044667 | 01/09/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender approval. | 01/11/2024 | Verified credit history - Indicator credit score is 728 with all credit paid 0x30 for prior 48 months per credit report.; Verified housing payment history - 66 combined months of mortgage history paid 0x30 per credit report. ; |  | 01/11/24 Lender loan approval received. - 01/11/24 Lender loan approval received. | Funded D A |
| 900000729 | XXXX | 1044669 | 01/09/2024 | Credit | Missing Borrower Employer Phone Number | APP 0014 | 2 | Acknowledged | B2 Employer Phone Number not included on Final Application. |  | Verified credit history - Indicator credit score is 728 with all credit paid 0x30 for prior 48 months per credit report.; Verified housing payment history - 66 combined months of mortgage history paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000729 | XXXX | 1044674 | 01/09/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD issued on XX/XX/XX disclosed APR of 11.291%. <br>CD issued XX/XX/XX disclosed APR of 11.143%.<br>CD issued XX/XX/XX and executed XX/XX/XX disclosed APR of 11.115%. |  | Verified credit history - Indicator credit score is 728 with all credit paid 0x30 for prior 48 months per credit report.; Verified housing payment history - 66 combined months of mortgage history paid 0x30 per credit report. ; |  | APR decreased - Client: EV2 Non-Material APR Decreased, thus a benefit to the borrower.<br>APR decreased | Funded C B |
| 900000755 | XXXX | 1044691 | 01/09/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed taxes, insurance, and HOA Dues of $XX with property costs in year 1 is inaccurate. Actual association fee is $XX/mo. Taxes and insurance $XXX are escrowed on first mortgage. |  | Verified housing payment history - Credit report confirms 99+ months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 69.82% < 85% Max Allowed.; Verified credit history - Middle credit score 793 with no history of delinquency reported. Minimum credit score required 680.; |  | Client: EV2 Post-Closing corrective action--01/12/24 PC CD dated XX/XX/XX received with LOE to the borrower. Disclosed taxes, insurance, and HOA Dues $XXX, Estimated Property Costs over Year 1 $XXX (11 mths). | Funded C B |
| 900000755 | XXXX | 1044717 | 01/09/2024 | Credit | Missing income calculation worksheet and/or detail | CRED 0092 | 1 | Closed | Missing employer explanation for the following:<br>1) Semi-Monthly Pay Rate per Paystubs $XXXX does not match to the WK# pay rate of $XXXX. Annual salary of $XXXX calculated semi-mo pay rate is $XXXX.<br>2) Missing employer letter of explanation for the variance between wages reported on the W2s/Wage transcripts and the WVOE/WK#. | 02/07/2024 | Verified housing payment history - Credit report confirms 99+ months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 69.82% < 85% Max Allowed.; Verified credit history - Middle credit score 793 with no history of delinquency reported. Minimum credit score required 680.; | 02/05/2024 - Attached copies of the borrowers XXXX/XXXX YE paystubs are insufficient to satisfy the exception. Missing employer letter of explanation for variance (approx $XXXX yr) between XXXX W2s and VOEs. It is noted that the XXXX YE paystub matches to the VOE. CRED 0092 Exception Remains;<br>01/22/23 Part 1 of the exception is cleared upon further review of the pay stub and TWN WVOE. WVOE reflects semi-monthly pay rate of $XXXX. Pay stub reflects Semi-Monthly Pay Rate of Base XXXX, Degree Credit $XXX, One time payment $XXX which totals $XXX. Review used base of $XXX which is the base + Degree Credit.<br>\*\*Item #2 remains to be addressed. | 02/07/24 Part 2 Cleared, the difference reporting on the W-2 of $XXX versus the $XXX is $XXX which was deductions that were not included in the Line 1, Short term Disability, Group term life for employee and group term life child.;<br>01/22/23 Part 1 of the exception is cleared upon further review of the pay stub and TWN WVOE. - 02/07/24 Part 2 Cleared, the difference reporting on the W-2 of $XXX versus the $XXX is $XXX which was deductions that were not included in the Line 1, Short term Disability, Group term life for employee and group term life child.;<br>01/22/23 Part 1 of the exception is cleared upon further review of the pay stub and TWN WVOE. | Funded C A |
| 900000727 | XXXX | 1044646 | 01/09/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender approval. | 01/10/2024 | Verified credit history - 742 indicator credit score. Borrower mortgage history for prior 24 months paid 0x30 for both subject residence and additional home owned. ; Verified reserves - 28 months of reserves verified when guidelines do not require any. ; Low DTI - Low 9.20% DTI when guidelines allow up to 45% based on income calculated from bank statement program.; |  | 01/10/24 Lender loan approval received. - 01/10/24 Lender loan approval received. | Funded D A |
| 900000747 | XXXX | 1044830 | 01/10/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD reflects Estimated Taxes, Insurance & Assessments of $X with Estimated Property Costs over 1 year of $X. Review calculated $XXX per mth with an estimate of 11 mths totaling $XXX. |  | Verified employment history - Both borrowers have employment longevity. B1 has been on their job for 15 years per the VOE in file. B2 has been on their job for 19 years per VOE in file. ; Verified housing payment history - 33 months of verified mortgage history paid 0x30 per credit report. ; |  | Client: EV2 Post Closing Corrective Action -- PC CD dated (##/##/##) w/LOE to the borrower received. | Funded C B |
| 900000747 | XXXX | 1044835 | 01/10/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for increase in Courier - Title fee is paid to affiliate chosen from Service Provider List. -- |  | Verified employment history - Both borrowers have employment longevity. B1 has been on their job for 15 years per the VOE in file. B2 has been on their job for 19 years per VOE in file. ; Verified housing payment history - 33 months of verified mortgage history paid 0x30 per credit report. ; | 2/5/2024 - Exception is cured with the attached PCCD, Letter of Explanation, Refund Check, and tracking slip to evidence delivery to borrower was completed within 60 days from closing. Reopened rescission is not required as the fee tolerance violation is considered non-material. TRID 0195 Exception Overridden to EV2; | Client: 2/5/2024 - Exception is cured with the attached PCCD, Letter of Explanation, Refund Check, and tracking slip to evidence delivery to borrower was completed within 60 days from closing. Reopened rescission is not required as the fee tolerance violation is considered non-material. TRID 0195 Exception Overridden to EV2; | Funded C B |
| 900000738 | XXXX | 1044918 | 01/10/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing underwriter decision with documented loan approval date. | 01/16/2024 | Verified housing payment history - Credit report confirms 49 months satisfactory mortgage rating.; Verified credit history - Middle credit score 719 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 59.75% CLTV < 85% Max Allowed.; | 1/12/2024 - Exception is cleared with the attached underwriting Decision. APRV 0001 Exception Cleared; | 1/12/2024 - Exception is cleared with the attached underwriting Decision. APRV 0001 Exception Cleared; - 1/12/2024 - Exception is cleared with the attached underwriting Decision. APRV 0001 Exception Cleared; | Funded C A |
| 900000738 | XXXX | 1045005 | 01/11/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing employer explanation for missing two years income on WVOE. | 01/16/2024 | Verified housing payment history - Credit report confirms 49 months satisfactory mortgage rating.; Verified credit history - Middle credit score 719 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 59.75% CLTV < 85% Max Allowed.; | 1/16/2024 - Exception is cleared with the attached documentation that evidences borrowers employment was acquired by present employer. W2 covering prior to acquisition provided in file. Time with present employer 1.99 years after borrower returned from a leave of absence. CRED 0082 Exception Cleared; | 1/16/2024 - Exception is cleared with the attached documentation that evidences borrowers employment was acquired by present employer. W2 covering prior to acquisition provided in file. Time with present employer 1.99 years after borrower returned from a leave of absence. CRED 0082 Exception Cleared; - 1/16/2024 - Exception is cleared with the attached documentation that evidences borrowers employment was acquired by present employer. W2 covering prior to acquisition provided in file. Time with present employer 1.99 years after borrower returned from a leave of absence. CRED 0082 Exception Cleared; | Funded C A |
| 900000738 | XXXX | 1045037 | 01/11/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified housing payment history - Credit report confirms 49 months satisfactory mortgage rating.; Verified credit history - Middle credit score 719 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 59.75% CLTV < 85% Max Allowed.; |  | Client: EV2 Non-Material | Funded C B |
| 900000738 | XXXX | 1045049 | 01/11/2024 | Compliance | LE or CD Loan Terms Section is Deficient | TRID 0147 | 2 | Acknowledged | CD is deficient. No selection was made as to whether the borrower declined the escrow account or if it was not offered by the lender. |  | Verified housing payment history - Credit report confirms 49 months satisfactory mortgage rating.; Verified credit history - Middle credit score 719 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 59.75% CLTV < 85% Max Allowed.; |  | Client: EV2 Non-Material | Funded C B |
| 900000728 | XXXX | 1045088 | 01/11/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing underwriting decision with the documented loan approval date. | 01/12/2024 | Verified credit history - Middle credit score 811 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 60.18% CLTV < 85% Max Allowed.; Low DTI - 29.35% DTI < 45% Max Allowed.; |  | 01/12/24 Lender loan approval received. - 01/12/24 Lender loan approval received. | Funded C A |
| 900000728 | XXXX | 1045165 | 01/11/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | CD loan disclosure section is deficient; there is no selection made as to whether the borrower declined an escrow account or if an escrow account was not offered by the lender. |  | Verified credit history - Middle credit score 811 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 60.18% CLTV < 85% Max Allowed.; Low DTI - 29.35% DTI < 45% Max Allowed.; |  | Client: EV2 Non-Material | Funded C B |
| 900000739 | XXXX | 1044805 | 01/10/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated XX/XX/XX disclosed Estimated Taxes, Insurance, and Assessments of $2 and disclosed Non Escrowed Estimated Property Costs over 1 year of $22. Review calculated amount $XXX (Taxes $XX mth/$XXX yr, HOI $XX mth/$XX yr). |  | Verified employment history - Borrower has been employed with same employer for over 7 years.; Verified credit history - Borrower indicator credit score is 734 with all credit reporting on credit report paid 0x30. ; Net tangible benefit - Borrower paid off debt with subject loan transaction eliminating $XXXX in monthly payment outlay reducing debt owed by $XXXX. ; |  | Client: EV2 Post-Closing Corrective Action- 01/23/24 LOE to borrower and corrective PC CD received. PC CD disclosed Estimated Property Costs over Year 1 of $XXXX which is based on 11 mths. | Funded C B |
| 900000739 | XXXX | 1045036 | 01/11/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XXXX Wage and Income transcripts for B1. | 01/22/2024 | Verified employment history - Borrower has been employed with same employer for over 7 years.; Verified credit history - Borrower indicator credit score is 734 with all credit reporting on credit report paid 0x30. ; Net tangible benefit - Borrower paid off debt with subject loan transaction eliminating $XXXX in monthly payment outlay reducing debt owed by $XXXX. ; |  | 01/22/23 1040 transcripts received. - 01/22/23 1040 transcripts received. | Funded C A |
| 900000739 | XXXX | 1045076 | 01/11/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified employment history - Borrower has been employed with same employer for over 7 years.; Verified credit history - Borrower indicator credit score is 734 with all credit reporting on credit report paid 0x30. ; Net tangible benefit - Borrower paid off debt with subject loan transaction eliminating $XXXX in monthly payment outlay reducing debt owed by $XXXX. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000739 | XXXX | 1046852 | 01/24/2024 | Compliance | Compliance Submission Pending Update | COMP 0043 | 1 | Closed |  | 01/24/2024 | Verified employment history - Borrower has been employed with same employer for over 7 years.; Verified credit history - Borrower indicator credit score is 734 with all credit reporting on credit report paid 0x30. ; Net tangible benefit - Borrower paid off debt with subject loan transaction eliminating $XXXX in monthly payment outlay reducing debt owed by $XXXX. ; |  |  | Funded C A |
| 900000745 | XXXX | 1045085 | 01/11/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | PC CD reflects a lender credit of $XX was added. Credit is not reflected on the final HUD or final CD. Missing evidence of refund check to the borrower, LOE explaining the reason for re-disclosure, and proof delivery to borrower. -- |  | Verified employment history - Borrower has been on the job with same employer for 8 years. ; Net tangible benefit - Borrower paid off two Consumer accounts eliminating $XXXX in total debt eliminating payments of over $XXX per month. ; | 2/2/2024 - Attached copy of the final settlement evidences that that the borrower was credited the $XX at closing, as disclosed on the PCCD. TRID 0195 Exception Overridden to EV2;<br>1/26/2024 - "It was caught prior to funding and included in our funding wire to title. Please let me know if there is anything else needed". \*\* No exception cleared. Missing confirmation from the settlement agent of the disbursement date with documentation to evidence that the $XX credit to cure was included at closing. TRID 0195 Exception Remains; | Client: 2/2/2024 - Attached copy of the final settlement evidences that that the borrower was credited the $XX at closing, as disclosed on the PCCD. TRID 0195 Exception Overridden to EV2; | Funded C B |
| 900000746 | XXXX | 1045273 | 01/12/2024 | Compliance | File Documentation is Incomplete (Compliance) | COMP 0047 | 1 | Closed | Missing copy of B2 valid state issued identification card. Drivers license provided in file expired prior to the application date. The Patriot Act for has a handwritten correction changing the expiration date, however, a copy of the ID was not provided. | 01/25/2024 | Verified housing payment history - Credit report confirms 74 combined months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.36% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 737/756 with no history of delinquency reported. Minimum credit score required 680.; Net tangible benefit - Borrower paid off consumer debt with subject transaction eliminating $XXX in monthly payments and $XXXX in total debt.; |  | 01/25/24 Copy of valid state issued driver's license received. - 01/25/24 Copy of valid state issued driver's license received. | Funded C A |
| 900000746 | XXXX | 1045290 | 01/12/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed taxes and insurance of $X with property costs in 11 months of $XX is inaccurate. Actual taxes and insurance is $XXX with property costs in 11 months of $XXX. |  | Verified housing payment history - Credit report confirms 74 combined months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.36% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 737/756 with no history of delinquency reported. Minimum credit score required 680.; Net tangible benefit - Borrower paid off consumer debt with subject transaction eliminating $XXX in monthly payments and $XXXX in total debt.; |  | Client: EV2 Post Closing Corrective Action -- PC CD dated XX/XX/XX w/LOE to the borrower received. | Funded C B |
| 900000746 | XXXX | 1045308 | 01/12/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing evidence of delivery to borrower of the latest issued LE. Timing requirement not met with the US Mailbox Rule applied. | 01/17/2024 | Verified housing payment history - Credit report confirms 74 combined months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.36% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 737/756 with no history of delinquency reported. Minimum credit score required 680.; Net tangible benefit - Borrower paid off consumer debt with subject transaction eliminating $XXX in monthly payments and $XXXX in total debt.; |  | 01/17/24 Copy of LE dated and eSigned (##/##/##) received. - 01/17/24 Copy of LE dated and eSigned (##/##/##) received. | Funded C A |
| 900000746 | XXXX | 1045309 | 01/12/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified housing payment history - Credit report confirms 74 combined months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.36% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 737/756 with no history of delinquency reported. Minimum credit score required 680.; Net tangible benefit - Borrower paid off consumer debt with subject transaction eliminating $XXX in monthly payments and $XXXX in total debt.; |  | Client: EV2 Non-Material | Funded C B |
| 900000746 | XXXX | 1045316 | 01/12/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Approval in file indicates loan to close by XX/XX/XX or be re-underwritten. Loan closed after the expire date and no updated approval provided. | 01/17/2024 | Verified housing payment history - Credit report confirms 74 combined months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.36% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 737/756 with no history of delinquency reported. Minimum credit score required 680.; Net tangible benefit - Borrower paid off consumer debt with subject transaction eliminating $XXX in monthly payments and $XXXX in total debt.; |  | 01/17/24 Updated approval received. - 01/17/24 Updated approval received. | Funded C A |
| 900000746 | XXXX | 1045332 | 01/12/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing most recent two years Wage and Income transcripts for B1 and B2 | 01/29/2024 | Verified housing payment history - Credit report confirms 74 combined months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.36% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 737/756 with no history of delinquency reported. Minimum credit score required 680.; Net tangible benefit - Borrower paid off consumer debt with subject transaction eliminating $XXX in monthly payments and $XXXX in total debt.; | 1/26/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; | 1/26/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; - 1/26/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; | Funded C A |
| 900000746 | XXXX | 1045333 | 01/12/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing third party Appraisal review per Investor as SSR's in file did not return scores | 01/13/2024 | Verified housing payment history - Credit report confirms 74 combined months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.36% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 737/756 with no history of delinquency reported. Minimum credit score required 680.; Net tangible benefit - Borrower paid off consumer debt with subject transaction eliminating $XXX in monthly payments and $XXXX in total debt.; |  | 01/13/24 AVM received with value of $XXXX, Confidence 93%, FSD 0.07. - 01/13/24 AVM received with value of $XXXX, Confidence 93%, FSD 0.07. | Funded C A |
| 900000746 | XXXX | 1045359 | 01/12/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing employer confirmation of employment dates.<br>NOTE: The (WVOE) doesn't confirm when employment ended prior to the most recent start date, thus unable to confirm the employment gap dates. | 02/06/2024 | Verified housing payment history - Credit report confirms 74 combined months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.36% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 737/756 with no history of delinquency reported. Minimum credit score required 680.; Net tangible benefit - Borrower paid off consumer debt with subject transaction eliminating $XXX in monthly payments and $XXXX in total debt.; | 2/5/2024 - Attached email correspondence confirms employment dates, thus 5.5 month gap identified with 24+ years employment pre gap and 7+ months post gap documented. CRED 0082 Exception Cleared; | 2/5/2024 - Attached email correspondence confirms employment dates, thus 5.5 month gap identified with 24+ years employment pre gap and 7+ months post gap documented. CRED 0082 Exception Cleared; - 2/5/2024 - Attached email correspondence confirms employment dates, thus 5.5 month gap identified with 24+ years employment pre gap and 7+ months post gap documented. CRED 0082 Exception Cleared; | Funded C A |
| 900000778 | XXXX | 1045211 | 01/11/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed property tax and insurance payment of $X with property costs in year 1 of $XX is inaccurate. Actual taxes and insurance is $XX/mo. Review calculated property costs over 11 months is $XX |  | Verified housing payment history - Credit report confirms 54 months combined satisfactory mortgage rating.; Verified credit history - Middle credit score 779 with no history of delinquency reported. Minimum credit score required 680.0; Net tangible benefit - Borrower paid off consumer debt with subject refinance eliminating $XXXXX in total monthly debt and $XXX in monthly payments. ; |  | Client: EV2 Post Closing Corrective Action -- PC CD dated xx/xx/xx w/LOE to the borrower received. | Funded C B |
| 900000778 | XXXX | 1045375 | 01/13/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | AVM provided does not meet the guideline requirements of having a minimum confidence score of 90%, FSD 0.10. AVM dated XX/XX/XX returned w/a confidence score of 89% and FSD of 0.11. Additional valuation product required. |  | Verified housing payment history - Credit report confirms 54 months combined satisfactory mortgage rating.; Verified credit history - Middle credit score 779 with no history of delinquency reported. Minimum credit score required 680.0; Net tangible benefit - Borrower paid off consumer debt with subject refinance eliminating $XXXXX in total monthly debt and $XXX in monthly payments. ; | 01/23/24 Investor acknowledged, OK to order BPO. | Client: Investor Acknowledged Exception. | Funded C B |
| 900000778 | XXXX | 1047257 | 01/26/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 2 | Acknowledged | Missing secondary valuation (BPO). (Diligence to order) |  | Verified housing payment history - Credit report confirms 54 months combined satisfactory mortgage rating.; Verified credit history - Middle credit score 779 with no history of delinquency reported. Minimum credit score required 680.0; Net tangible benefit - Borrower paid off consumer debt with subject refinance eliminating $XXXXX in total monthly debt and $XXX in monthly payments. ; | 2/26/2024 - Recd response from investor, "We are ok to proceed with the updated CLTV calculation using the lower BPO value". APPR 0046 Investor Acknowledged Exception;<br>01/29/24 BPO received. Value returned at $XXXX which is a variance of -27.51%.<br>01/26/24 BPO Order placed, due 01/30/24.<br>01/23/24 Investor acknowledged AVM, OK to order BPO.<br>| Client: 2/26/2024 - Recd response from investor, "We are ok to proceed with the updated CLTV calculation using the lower BPO value". APPR 0046 Investor Acknowledged Exception; | Funded C B |
| 900000778 | XXXX | 1050024 | 02/26/2024 | Credit | Insufficient Verified Reserves (Number of Months) | CRED 0017 | 2 | Acknowledged | NEW EXCEPTION 2/26 (REFER APPR 0046): Cash Out Proceeds < 2 Months Minimum Reserves Required for CLTV > 75%. |  | Verified housing payment history - Credit report confirms 54 months combined satisfactory mortgage rating.; Verified credit history - Middle credit score 779 with no history of delinquency reported. Minimum credit score required 680.0; Net tangible benefit - Borrower paid off consumer debt with subject refinance eliminating $XXXXX in total monthly debt and $XXX in monthly payments. ; |  | Client: Investor acknowledged exception for reserves. | Funded C B |
| 900000735 | XXXX | 1045184 | 01/11/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. | 01/16/2024 | Verified employment history - Borrower has been employed with same employer for 25 years.; Verified housing payment history - 78 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt eliminating $XXXX in total monthly payments. ; | 1/16/2024 - Exception is cleared with the attached underwriting Decision. APRV 0001 Exception Cleared; | 1/16/2024 - Exception is cleared with the attached underwriting Decision. APRV 0001 Exception Cleared; - 1/16/2024 - Exception is cleared with the attached underwriting Decision. APRV 0001 Exception Cleared; | Funded D A |
| 900000735 | XXXX | 1045206 | 01/11/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures, Escrow Account information section on the Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified employment history - Borrower has been employed with same employer for 25 years.; Verified housing payment history - 78 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt eliminating $XXXX in total monthly payments. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000735 | XXXX | 1045282 | 01/12/2024 | Property | Appraisal Value is not supported by comparables | APPR 0039 | 2 | Acknowledged | Appraisal value is not supported by the comparables provided. Although the subject value is not supported by the comps provided, SSR reports in file both reflect scores within acceptable tolerance. |  | Verified employment history - Borrower has been employed with same employer for 25 years.; Verified housing payment history - 78 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt eliminating $XXXX in total monthly payments. ; |  | Client: EV2 FNMA SSR Score 1.7, FHLMC SSR Score 1. | Funded C B |
| 900000740 | XXXX | 1046471 | 01/22/2024 | Credit | Missing evidence of Hazard Insurance | HAZ 0005 | 1 | Closed | Missing HOI Deck page renewal. HOI policy in file expired prior to the first payment on XX/XX/XX and does not reflect the 2nd mortgagee. Review used $XXX per month or $XXXX premium to qualify per Lender 1008. | 01/25/2024 | Verified housing payment history - 25 months of current mortgage history on subject loan paid 0x30 per credit report. ; Verified reserves - Verified 5 months for subject loan and 2 months for PITIA reserves when guidelines require none. ; Low LTV/CLTV/HCLTV - 9.20% LTV when guidelines allow up to 85%. ; |  | 01/25/24 Evidence of current HOI policy received. Policy expiration date XX/XX/XX. - 01/25/24 Evidence of current HOI policy received. Policy expiration date XX/XX/XX. | Funded D A |
| 900000740 | XXXX | 1046473 | 01/22/2024 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Missing Borrower and LO executed initial 1003. Copy in file reflects no signatures. | 01/25/2024 | Verified housing payment history - 25 months of current mortgage history on subject loan paid 0x30 per credit report. ; Verified reserves - Verified 5 months for subject loan and 2 months for PITIA reserves when guidelines require none. ; Low LTV/CLTV/HCLTV - 9.20% LTV when guidelines allow up to 85%. ; |  | 01/25/23 Copy of borrower and LO executed initial 1003 received. - 01/25/23 Copy of borrower and LO executed initial 1003 received. | Funded C A |
| 900000740 | XXXX | 1046482 | 01/22/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Lender disclosed Estimated Taxes, Insurance and Assessments of $XX (Tax and Ins $XX, HOA $ XX) with Estimated Property Costs over Year 1 of $XX (11 mths). Escrows for taxes and insurances verified to be escrowed in 1st lien. Review calculated Estimated Property Costs over Year 1 of $XXX (HOA only) or $XXXX with taxes, insurance, and HOA. |  | Verified housing payment history - 25 months of current mortgage history on subject loan paid 0x30 per credit report. ; Verified reserves - Verified 5 months for subject loan and 2 months for PITIA reserves when guidelines require none. ; Low LTV/CLTV/HCLTV - 9.20% LTV when guidelines allow up to 85%. ; | 1/26/2024 - Exception is cured with the attached PCCD with the corresponding letter of explanation. TRID 0204 Exception Overridden to EV2; | Client: 1/26/2024 - Exception is cured with the attached PCCD with the corresponding letter of explanation. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000740 | XXXX | 1046605 | 01/23/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing evidence of XXXX tax transcript per g/line requirement. | 01/26/2024 | Verified housing payment history - 25 months of current mortgage history on subject loan paid 0x30 per credit report. ; Verified reserves - Verified 5 months for subject loan and 2 months for PITIA reserves when guidelines require none. ; Low LTV/CLTV/HCLTV - 9.20% LTV when guidelines allow up to 85%. ; | 1/29/2024 - Exception is cleared with the attached tax transcript. CRED 0091 Exception Cleared; | 1/29/2024 - Exception is cleared with the attached tax transcript. CRED 0091 Exception Cleared; - 1/29/2024 - Exception is cleared with the attached tax transcript. CRED 0091 Exception Cleared; | Funded C A |
| 900000741 | XXXX | 1046555 | 01/22/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing documentation to verify borrower receipt of the LE issued XX/XX/XX. | 01/25/2024 | Verified employment history - Borrower has been employed with same employer for 22 years. ; Net tangible benefit - Borrower paid off consumer debt with subject transaction totaling $XXXX eliminating $XXX in total monthly payments.; Income verified was not used in qualifying - Borrower has history of earning greater income than amount used in qualifying based on past years and YTD earnings averages. ; Verified housing payment history - 95 combined months of mortgage history paid 0x30 per credit report. ; |  | 01/25/24 Disclosure tracking details received confirming borrower receipt XX/XX/XX. - 01/25/24 Disclosure tracking details received confirming borrower receipt XX/XX/XX. | Funded C A |
| 900000741 | XXXX | 1046557 | 01/22/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. |  | Verified employment history - Borrower has been employed with same employer for 22 years. ; Net tangible benefit - Borrower paid off consumer debt with subject transaction totaling $XXXX eliminating $XXX in total monthly payments.; Income verified was not used in qualifying - Borrower has history of earning greater income than amount used in qualifying based on past years and YTD earnings averages. ; Verified housing payment history - 95 combined months of mortgage history paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000756 | XXXX | 1046450 | 01/22/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Lender disclosed Estimated Taxes, Insurance, and Assessments of $XX (Taxes and Insurance $X and HOA $XXX) with Estimated Property Costs over Year 1 of $XXXX. Review calculated Estimated Taxes, Insurance, and Assessments of $XXX for HOA only as taxes and insurance are included in the first lien escrows with the Estimated costs for 11 mths of $XXX. Lender disclosed on final CD that no escrow account required as Lender does not offer one. |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 53 combined months of mortgage history paid 0x30 per credit report. ; Verified credit history - 725 indicator credit score with all credit history paid 0x30 per credit report. Oldest reporting tradeline from XX/XXXX, which is 16 years of satisfactory credit history. ; | 1/26/2024 - Exception is cured with the attached PCCD and corresponding cover letter. TRID 0204 Exception Overridden to EV2; | Client: 1/26/2024 - Exception is cured with the attached PCCD and corresponding cover letter. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000756 | XXXX | 1046455 | 01/22/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 53 combined months of mortgage history paid 0x30 per credit report. ; Verified credit history - 725 indicator credit score with all credit history paid 0x30 per credit report. Oldest reporting tradeline from XX/XXXX, which is 16 years of satisfactory credit history. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000756 | XXXX | 1046640 | 01/23/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XXXX/XXXX Wage and Earnings Tax Transcripts as required per guidelines. Email copy in file confirm an order date of XX/XX/XX. | 01/26/2024 | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 53 combined months of mortgage history paid 0x30 per credit report. ; Verified credit history - 725 indicator credit score with all credit history paid 0x30 per credit report. Oldest reporting tradeline from XX/XXXX, which is 16 years of satisfactory credit history. ; | 1/26/2024 - Recd most recent two years wage transcripts confirming wage income. CRED 0091 Exception Cleared; | 1/26/2024 - Recd most recent two years wage transcripts confirming wage income. CRED 0091 Exception Cleared; - 1/26/2024 - Recd most recent two years wage transcripts confirming wage income. CRED 0091 Exception Cleared; | Funded C A |
| 900000756 | XXXX | 1046646 | 01/23/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing XXXX 1099 for XXXX or XXXX Wage and Earnings transcript to confirm earnings for XXXX. Per benefit letter in file, effective date was XX/XX/XX. <br>| 02/12/2024 | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 53 combined months of mortgage history paid 0x30 per credit report. ; Verified credit history - 725 indicator credit score with all credit history paid 0x30 per credit report. Oldest reporting tradeline from XX/XXXX, which is 16 years of satisfactory credit history. ; |  | 1/26/2024 - Recd most recent two years wage transcripts confirming wage income. CRED 0082 Exception Cleared; - 1/26/2024 - Recd most recent two years wage transcripts confirming wage income. CRED 0082 Exception Cleared; | Funded C A |
| 900000743 | XXXX | 1046434 | 01/22/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed Projected Estimated Costs on Final CD issued are $XXX. This is 11 months of estimated HOA costs plus $X per month other. Review calculated Estimated Taxes, Insurance, and Assessments of $XX for HOA only as taxes and insurance are included in the first lien escrows with the Estimated costs for 11 mths of $XXX. Lender disclosed no escrow account needed as Lender does not offer one. |  | Net tangible benefit - Borrower paid off consumer debt with subject transaction totaling $XXXX eliminating $XXX in total monthly debt. ; Verified employment history - Borrower has been employed with current employer for 6 years plus. ; Verified housing payment history - 65 combined months of mortgage history paid 0x30 per credit report. ; | 1/26/2024 - Exception is cured with the PCCD and corresponding letter of explanation. TRID 0204 Exception Overridden to EV2; | Client: 1/26/2024 - Exception is cured with the PCCD and corresponding letter of explanation. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000743 | XXXX | 1046735 | 01/23/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing Wage and Income Transcripts for most recent two years on both borrowers as required per guidelines. | 01/25/2024 | Net tangible benefit - Borrower paid off consumer debt with subject transaction totaling $XXXX eliminating $XXX in total monthly debt. ; Verified employment history - Borrower has been employed with current employer for 6 years plus. ; Verified housing payment history - 65 combined months of mortgage history paid 0x30 per credit report. ; |  | 01/25/24 Wage and income transcripts received for B1 and B2. - 01/25/24 Wage and income transcripts received for B1 and B2. | Funded C A |
| 900000768 | XXXX | 1046405 | 01/22/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed |  | 01/26/2024 |  |  |  | Funded D A |
| 900000768 | XXXX | 1046419 | 01/22/2024 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 2 | Acknowledged |  |  |  |  |  | Funded C B |
| 900000757 | XXXX | 1046779 | 01/23/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed taxes and insurance of $X with property costs over 11 months of $XX is inaccurate. Actual taxes and insurance is $XXXX with property costs over 11 months of $XXX. |  | Net tangible benefit - Borrower paid off $XXXX in total consumer debt eliminating $XXX in total monthly payments. ; Verified employment history - Borrower has been with current employer for 37 years. ; Verified credit history - Borrower middle credit score 814 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 70.25% CLTV < 85% Max Allowed.; | 02/09/24 LOE to borrower received. Document was attached to condition for missing 3rd party appraisal review.<br>02/08/2024 - Exception is partially cured with the attached PCCD. Missing is the accompanying letter of explanation addressed to borrower. TRID 0204 Exception Remains;<br>02/02/23 Duplicate copy of CD dated XX/XX/XX received. Unable to validate lender's calculation of Estimated Taxes, Ins, and Assessments of $XXX / Estimated Property Costs over Year 1 of $XXXX 11 mths disclosed). <br>\*\*Finding remains, Review calculated HOI $XXX based on policy premium of $XXX. Review calculated taxes $XXX based on annual amount of $X per tax cert.<br>1/30/2024 - Attached PCCD and LOX is insufficient to satisfy the exception. The disclosed estimated taxes and insurance of $551.22 with property costs of $XXXX is inaccurate. Actual taxes and insurance is $XXX with property costs over 11 months of $XXXX. TRID 0204 Exception Remains; | Client: EV2 Post-Closing Corrective Action-- 02/08/24 PC CD received. 02/09/24 LOE to borrower received. | Funded C B |
| 900000757 | XXXX | 1046874 | 01/24/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 2 | Acknowledged | Missing BPO as required by Investor (Diligence Ordered XX/XX/XXXX). |  | Net tangible benefit - Borrower paid off $XXXX in total consumer debt eliminating $XXX in total monthly payments. ; Verified employment history - Borrower has been with current employer for 37 years. ; Verified credit history - Borrower middle credit score 814 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 70.25% CLTV < 85% Max Allowed.; |  | Client: Investor Acknowledged - BPO Value returned returned outside the acceptable 10% allowable tolerance at $XXXX / -15.86%. Investor accepts and will base LTV/CLTV on value of $XXXX. Final review LTV/CLTV 23.08% /83.49%. | Funded C B |
| 900000780 | XXXX | 1046721 | 01/23/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. | 01/26/2024 | Net tangible benefit - Borrower paid off $XXX in consumer debt and an obligation of $XXXX with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower1 has been with same employer for 14 years. ; |  | 1/26/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; - 1/26/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | Funded D A |
| 900000780 | XXXX | 1046762 | 01/23/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 2 | Acknowledged | B2 executed the final CD and Mortgage DOT XX/XX/XX. Loan Disbursed XX/XX/XX which is the date that the ROR should reflect as the expiration date based on the signing date of XX/XX/XX (XX/XX/XX Federal Holiday). Final review is pending receipt of executed ROR's. Note if loan funded prior to recession period expiring, recession will have to be reopened and new RORs executed. |  | Net tangible benefit - Borrower paid off $XXX in consumer debt and an obligation of $XXXX with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower1 has been with same employer for 14 years. ; | 2/7/2024 - Exception is cured with the attached PCCD and corresponding letter of explanation. ROR 0009 Exception Overridden to EV2; <br>2/1/2024 - Attached settlement statement confirms disbursement on XX/XX. Missing is the corresponding CD. ROR 0009 Exception Remains;<br>1/26/2024 - Attached settlement statement confirms disbursement on XX/XX. Missing is the corresponding CD. ROR 0009 Exception Remains; | 2/7/2024 - Exception is cured with the attached PCCD and corresponding letter of explanation. ROR 0009 Exception Overridden to EV2; - Client: 2/7/2024 - Exception is cured with the attached PCCD and corresponding letter of explanation. ROR 0009 Exception Overridden to EV2; <br>2/7/2024 - Exception is cured with the attached PCCD and corresponding letter of explanation. ROR 0009 Exception Overridden to EV2; | Funded C B |
| 900000780 | XXXX | 1046763 | 01/23/2024 | Compliance | Missing Right of Rescission | ROR 0001 | 1 | Closed | Missing executed RORs. Final compliance review pending. | 02/01/2024 | Net tangible benefit - Borrower paid off $XXX in consumer debt and an obligation of $XXXX with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower1 has been with same employer for 14 years. ; | 2/1/2024 - Exception is cleared with the attached ROR. ROR 0001 Exception Cleared; | 2/1/2024 - Exception is cleared with the attached ROR. ROR 0001 Exception Cleared; - 2/1/2024 - Exception is cleared with the attached ROR. ROR 0001 Exception Cleared; | Funded C A |
| 900000780 | XXXX | 1046935 | 01/24/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing XXXX YTD P&L for self-employment for B2. XXXX income decline was greater than 40%. | 02/22/2024 | Net tangible benefit - Borrower paid off $XXX in consumer debt and an obligation of $XXXX with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower1 has been with same employer for 14 years. ; |  |  | Funded C A |
| 900000780 | XXXX | 1047006 | 01/24/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Final CD dated XX/XX/XX Loan Disclosures does not indicate if the borrower declined an escrow account or if one was not offered. |  | Net tangible benefit - Borrower paid off $XXX in consumer debt and an obligation of $XXXX with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower1 has been with same employer for 14 years. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000750 | XXXX | 1047053 | 01/25/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lenders underwriting decision with the loan approval date. | 02/05/2024 | Verified housing payment history - Borrower has five mortgage accounts reporting on credit all paid 0x30 for all months reviewed. Four of the five accounts are reporting for 40 months of history. ; Verified employment history - Borrower has been employed with current employer for 13 years. ; |  | 02/05/24 Lender loan approval received. - 02/05/24 Lender loan approval received. | Funded C A |
| 900000750 | XXXX | 1047139 | 01/25/2024 | Credit | Loan Amount Exception | CRED 0020 | 2 | Acknowledged | Subject loan amount is $XXXX. Guidelines max allowed is $XXXX. No evidence of granted exception for loan amount. Investor provided email on XX/XX/XX they allow this Seller to go up to $XXXX. |  | Verified housing payment history - Borrower has five mortgage accounts reporting on credit all paid 0x30 for all months reviewed. Four of the five accounts are reporting for 40 months of history. ; Verified employment history - Borrower has been employed with current employer for 13 years. ; |  | Client: Investor Acknowledged exception for lender up to $XXXX. | Funded C B |
| 900000750 | XXXX | 1047173 | 01/25/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing 3rd party verification of self-employment. | 01/31/2024 | Verified housing payment history - Borrower has five mortgage accounts reporting on credit all paid 0x30 for all months reviewed. Four of the five accounts are reporting for 40 months of history. ; Verified employment history - Borrower has been employed with current employer for 13 years. ; | 1/30/2024 - Exception is cleared with the attached post-consummation dated SOS; no income was considered in qualifying. CRED 0006 Exception Cleared; | 1/30/2024 - Exception is cleared with the attached post-consummation dated SOS; no income was considered in qualifying. CRED 0006 Exception Cleared; - 1/30/2024 - Exception is cleared with the attached post-consummation dated SOS; no income was considered in qualifying. CRED 0006 Exception Cleared; | Funded C A |
| 900000750 | XXXX | 1047203 | 01/25/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing XXXX/XXXX K1s to verify ownership percentage of business. If ownership is 25% or greater business return(s) will be required. \*Note No income was used from this business per the final 1003. | 01/31/2024 | Verified housing payment history - Borrower has five mortgage accounts reporting on credit all paid 0x30 for all months reviewed. Four of the five accounts are reporting for 40 months of history. ; Verified employment history - Borrower has been employed with current employer for 13 years. ; | 1/30/2024 - Exception is cleared with the attached two years schedule K-1s confirming < 25% ownership. CRED 0082 Exception Cleared; | 1/30/2024 - Exception is cleared with the attached two years schedule K-1s confirming < 25% ownership. CRED 0082 Exception Cleared; - 1/30/2024 - Exception is cleared with the attached two years schedule K-1s confirming < 25% ownership. CRED 0082 Exception Cleared; | Funded C A |
| 900000750 | XXXX | 1047219 | 01/25/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Asset depletion use for other income is unacceptable for FNMA on cash out refinance (Income Assessment/other sources of income: Employment-Related Assets as Qualifying). Investor acknowledged exception in file. |  | Verified housing payment history - Borrower has five mortgage accounts reporting on credit all paid 0x30 for all months reviewed. Four of the five accounts are reporting for 40 months of history. ; Verified employment history - Borrower has been employed with current employer for 13 years. ; |  | Client: Investor Acknowledged Exception | Funded C B |
| 900000748 | XXXX | 1046817 | 01/23/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender loan approval. Missing Lender 1008. Copy in file is only partial of page. <br>UPDATE 1/31: CLTV is to be recalculated using the lesser BPO value of $XXXX. | 02/05/2024 | Verified employment history - Borrower has been employed for 7 years with same employer. ; Verified housing payment history - 87 combined mortgage history paid 0x30 per credit report. ; |  | 02/05/24 Lender loan approval and 1008 received. - 02/05/24 Lender loan approval and 1008 received. | Funded D A |
| 900000748 | XXXX | 1046818 | 01/23/2024 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing referenced "Exhibit A" Legal Description not attached to or contained within Mortgage.<br>| 02/05/2024 | Verified employment history - Borrower has been employed for 7 years with same employer. ; Verified housing payment history - 87 combined mortgage history paid 0x30 per credit report. ; |  | 02/05/24 Complete copy of executed Mortgage/DOT w/Exhibit A received. - 02/05/24 Complete copy of executed Mortgage/DOT w/Exhibit A received. | Funded C A |
| 900000748 | XXXX | 1047008 | 01/25/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 2 | Acknowledged | BPO required per investor requirements for AVM. (Diligence ordered XX/XX/XX) |  | Verified employment history - Borrower has been employed for 7 years with same employer. ; Verified housing payment history - 87 combined mortgage history paid 0x30 per credit report. ; | 1/30/2024 - Recd response from investor, Use the lower value on this one. Updated CLTV 60.19% < 85% Max Allowed. APPR 0046 Investor Acknowledged Exception; <br>01/29/24 BPO received. Value returned at $XXXX which is a variance of -11.06%. | Client: 1/30/2024 - Recd response from investor, Use the lower value for LTV/CLTV. Updated CLTV 60.19% < 85% Max Allowed. APPR 0046 Investor Acknowledged Exception; | Funded C B |
| 900000748 | XXXX | 1047205 | 01/25/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | 1) AVM confidence score of 86 / FSD 0.14 does not meet the guideline requirements. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation.<br>2) Missing investor acknowledgement for separate AVM and Property inspection. AVM provided by XXX, property inspection by XXX. |  | Verified employment history - Borrower has been employed for 7 years with same employer. ; Verified housing payment history - 87 combined mortgage history paid 0x30 per credit report. ; | 02/06/24 Email received from investor that the investor accepts. | Client: Investor Acknowledged Exception | Funded C B |
| 900000766 | XXXX | 1046741 | 01/23/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated xx/xx/xx disclosed Estimated Taxes, Insurance, and Assessments of $x for taxes and Insurance with Estimated Property Costs over Year 1 of $xx. Review confirmed that taxes and insurance are escrowed on the first lien. Estimated property costs $x. |  | Net tangible benefit - Borrower paid off $xxxx in total consumer debt with subject transaction eliminating $xxx in monthly payments. ; Verified housing payment history - 49 months of combined mortgage payment history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with present employer for 12 years.; |  | Client: EV2 Post-Closing Corrective Action --02/25/24 PC CD received w/LOE to the borrower. Estimated Taxes, Insurance, and Assessments updated to actual amount $xxx for taxes and Insurance with Estimated Property Costs over Year 1 of $xxx (11 mths). | Funded C B |
| 900000766 | XXXX | 1046750 | 01/23/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations.<br>|  | Net tangible benefit - Borrower paid off $xxxx in total consumer debt with subject transaction eliminating $xxx in monthly payments. ; Verified housing payment history - 49 months of combined mortgage payment history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with present employer for 12 years.; |  | Client: Ev2 Non-Material | Funded C B |
| 900000766 | XXXX | 1047237 | 01/26/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Subject property location is reflected to be xx, on x acres. LRP Guidelines do not allow for xx property location. |  | Net tangible benefit - Borrower paid off $xxxx in total consumer debt with subject transaction eliminating $xxx in monthly payments. ; Verified housing payment history - 49 months of combined mortgage payment history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with present employer for 12 years.; |  | Client: Investor Acknowledged Exception for xxxx property. | Funded C B |
| 900000766 | XXXX | 1047248 | 01/26/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing documentation or a credit supplement to confirm two original Student Loan debt collection accounts have zero balances Inclusion of debt results in an excessive DTI. | 02/14/2024 | Net tangible benefit - Borrower paid off $xxxx in total consumer debt with subject transaction eliminating $xxx in monthly payments. ; Verified housing payment history - 49 months of combined mortgage payment history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with present employer for 12 years.; | 02/14/23 Recd from lender: Please see the attached showing both loans are on the supplement. Supplement dated xx/xx/xx received. | 02/14/23 Credit Supplement dated xx/xx/xx received. Supplement verifies accounts are a duplicates. - 02/14/23 Credit Supplement dated xx/xx/xx received. Supplement verifies accounts are a duplicates. | Funded C A |
| 900000749 | XXXX | 1047337 | 01/26/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing VVOE for B1 dated w/in dated within 10 days prior to the Note. The VOE document in file is stale-dated and is addressed to the Borrower and not the Lender. | 02/01/2024 | Verified housing payment history - 138 combined months of mortgage housing paid 0x30 per credit report.; Verified employment history - Borrower has been with current employer for 23+years. ; | 1/31/2024 - Exception is cleared with the attached WVOE. CRED 0006 Exception Cleared; | 1/31/2024 - Exception is cleared with the attached WVOE. CRED 0006 Exception Cleared; - 1/31/2024 - Exception is cleared with the attached WVOE. CRED 0006 Exception Cleared; | Funded C A |
| 900000744 | XXXX | 1047137 | 01/25/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. |  | Net tangible benefit - Borrower paid off consumer debt totaling $XXXX with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 142 combined months of housing history paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000752 | XXXX | 1047223 | 01/25/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations<br>|  | Verified housing payment history - 80 combined months of housing history paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 701 for the primary wage earner (B1) with all credit history reporting on credit to be paid 0x30. ; Net tangible benefit - Borrowers paid off $XXX in consumer debt with subject transaction eliminating monthly debt of $XXX per month. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000753 | XXXX | 1047501 | 01/29/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR LE XX/XX/XX 10.43%, APR CD XX/XX/XX 10.389%, APR CD XX/XX/XX 10.38% |  | Net tangible benefit - Borrower paid off consumer debt totaling $XXX with subject refinance eliminating $XXX in total monthly payments. ; Verified housing payment history - 90 combined months of housing payments paid 0x30 per credit report. ; |  | Client: EV2 Non-Material APR decreased 0.050% | Funded C B |
| 900000753 | XXXX | 1047909 | 01/31/2024 | Credit | Property Type is prohibited | PROP 0002 | 1 | Closed | Missing Investor acceptance of Property type. Subject property location is reflected to be XXX. LRP Guidelines do not allow for XXX property location. | 02/05/2024 | Net tangible benefit - Borrower paid off consumer debt totaling $XXX with subject refinance eliminating $XXX in total monthly payments. ; Verified housing payment history - 90 combined months of housing payments paid 0x30 per credit report. ; |  | 02/05/24 Investor Exception approval dated 01/22/24 received. - 02/05/24 Investor Exception approval dated 01/22/24 received. | Funded C A |
| 900000791 | XXXX | 1047846 | 01/30/2024 | Credit | Questionable Occupancy | CRED 0015 | 1 | Closed | Hazard policy does not reflect personal property coverage which suggested the occupancy is not confirmed. Borrower uses PO Box. Missing letter of explanation with current utility bill to confirm occupancy. | 02/12/2024 | Verified housing payment history - 54 combined months of housing payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in total debt with subject transaction eliminating $XXX in monthly payments. ; |  | 02/12/24 LOE from borrower received w/current utility bill. - 02/12/24 LOE from borrower received w/current utility bill. | Funded C A |
| 900000791 | XXXX | 1047854 | 01/30/2024 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | The loan fees ($2,784.62) exceed the (XX) High Cost fee limit, which is ($2,775.00), the difference is ($9.62). | 02/13/2024 | Verified housing payment history - 54 combined months of housing payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in total debt with subject transaction eliminating $XXX in monthly payments. ; | 02/13/24 Copy of final settlement statement received with reponse:Could you please see the response from our team below regarding the high cost condition? Thank you!<br>"This we can easily defend. In their Mavent mapping, they incorrectly mapped State Title fee to a miscellaneous fee that Mavent includes in points and fees under XX high-cost law because it does not recognize it as a title-related fee. However, the fee is for lender title insurance binder per final settlement statement and XX High-Cost law excludes any and all title related fees from the points and fees tests. We have this fee mapped to Mavent fee ID 59 – Lender Title Insurance Policy as Mavent does not have a fee for Lender Title Insurance Binder.<br>Here is the statute:<br>XX Statutes Chapter 58. Financial Institutions and Regulations § 58-21A-3. <br>"points and fees"<br>(d) does not include fees for the following purposes, if the amounts are bona fide and reasonable and paid to a person other than the creditor or an affiliate of the creditor: 1) service or carrying charges; 2) credit reports; 3) title exam, title insurance, title closing or similar purposes; 4) escrow charges for future payments of taxes and insurance; 5) fees for notarizing deeds and other documents; <br>| 02/13/24 Copy of final settlement statement received with lender response. Fee naming updated and finding cleared upon resubmission. - 02/13/24 Copy of final settlement statement received with lender response. Fee naming updated and finding cleared upon resubmission. | Funded C A |
| 900000791 | XXXX | 1048026 | 02/01/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Missing Investor acceptance of Property type. |  | Verified housing payment history - 54 combined months of housing payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in total debt with subject transaction eliminating $XXX in monthly payments. ; |  | Client: Investor Acknowledged Exception | Funded C B |
| 900000791 | XXXX | 1048038 | 02/01/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | 51.07% DTI exceeds the LRC guideline max of 45%. Review income calculated based on paystub YTD, XXXX and XXXX year ending paystubs averaged. The 3RD Party VOI did not provide a breakdown of earnings for XXXX, thus stubs were used. Lender income worksheet in file does not support the income reflected on the final 1003 and 1008. Unable to confirm how Lender derived at higher income figure. Review lower average results in excessive DTI. | 02/13/2024 | Verified housing payment history - 54 combined months of housing payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in total debt with subject transaction eliminating $XXX in monthly payments. ; | 02/13/24 Recd from lender: UW explanation: I have reduced the base income to $XXXX/mo and OT $XXX/mo and Other income $XX/mo remain as is- as explained on income worksheet. Used conservative amount for both overtime and "other". Used WVOE and Final YTD paystubs as provided. DTI at 43.982% Income included XXXX wages thru XX/XX/XX. I used a full 24 mos avg for both OT and "Other Income. Updated UW income analysis and 1008. Provided. | 02/13/24 Updated 1008 and updated income worksheet provided by UW. Final DTI 43.98%. Review updated income calculation's per worksheet which was supported by TWN WVOE, XXXX and XXXX year end pay stubs. Review final DTI 43.98%. - 02/13/24 Updated 1008 and updated income worksheet provided by UW. Final DTI 43.98%. Review updated income calculation's per worksheet which was supported by TWN WVOE, XXXX and XXXX year end pay stubs. Review final DTI 43.98%. | Funded C A |
| 900000791 | XXXX | 1048127 | 02/01/2024 | Credit | Missing Subordination Agreement | NOTE 0006 | 1 | Closed | Subordination agreement for Solar UCC filing states new loan amount was not to exceed $XXXX. Actual loan amount $XXX. | 02/12/2024 | Verified housing payment history - 54 combined months of housing payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in total debt with subject transaction eliminating $XXX in monthly payments. ; |  | 02/12/24 Updated subordination agreement reflecting the correct subject loan amount of $XXXX received. - 02/12/24 Updated subordination agreement reflecting the correct subject loan amount of $XXXX received. | Funded C A |
| 900000761 | XXXX | 1047868 | 01/30/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed property tax and insurance of $X with property costs over 11 months of $XX is inaccurate. Actual tax and insurance is $XXX with property costs over 11 months of $XXXX. |  | Net tangible benefit - Borrower paid off $XXXX in total consumer debt with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 64 combined months of housing history paid 0x30 per credit report. ; | 2/7/2024 - Exception is cured with the attached PCCD and corresponding letter of explanation. TRID 0204 Exception Overridden to EV2; | Client: 2/7/2024 - Exception is cured with the attached PCCD and corresponding letter of explanation. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000761 | XXXX | 1048054 | 02/01/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing updated Lender Approval to confirm not expired. | 02/07/2024 | Net tangible benefit - Borrower paid off $XXXX in total consumer debt with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 64 combined months of housing history paid 0x30 per credit report. ; | 2/7/2024 - Exception is cleared with the attached updated approval; new expirey is after the Note date. APRV 0010 Exception Cleared; | 2/7/2024 - Exception is cleared with the attached updated approval; new expirey is after the Note date. APRV 0010 Exception Cleared; - 2/7/2024 - Exception is cleared with the attached updated approval; new expirey is after the Note date. APRV 0010 Exception Cleared; | Funded C A |
| 900000751 | XXXX | 1048056 | 02/01/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed taxes, insurance, and HOA of $XXX with property costs of $XXX was developed using the escrow payment from the 1st lien escrow and HOA Fee. Tax cert indicates borrower is exempt from paying property taxes which was effective XX/XX/XX. Initial grade EV2 due to the taxes, insurance, and HOA being overstated. |  | Verified credit history - Middle credit score 760 with no history of delinquency reported.; Verified housing payment history - Credit report confirms 54 combined months satisfactory mortgage rating.; Net tangible benefit - Borrower paid off consumer debt totaling $XXXX with subject transaction eliminating $XXX in monthly debt. ; Income verified was not used in qualifying - Borrower has additional income earnings that were not used to qualify.; |  | Client: EV2 Non-material | Funded C B |
| 900000759 | XXXX | 1048155 | 02/02/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Disclosed estimated taxes and insurance of $XXX with property costs of $XXXX is inaccurate. Actual taxes and insurance is $XXXX with property costs over 11 months of $XXX. | 02/08/2024 | Verified housing payment history - 116 combined months of housing history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt with subject refinance totaling $XXXX eliminating $XXXX in monthly payments. ; Verified employment history - Borrower has been with current employer for 23 years plus. ; | 2/7/2024 - "Please see the attached showing the UW calculated the insurance correctly at $XXX mo. I believe they were looking at the old premium, please see attached insurance reflecting the new premium amount." \*\* Exception is cleared with the attached hazard insurance renewal with annual premium of $XXXX. TRID 0204 Exception Cleared; | 2/7/2024 - "Please see the attached showing the UW calculated the insurance correctly at $XXX mo. I believe they were looking at the old premium, please see attached insurance reflecting the new premium amount." \*\* Exception is cleared with the attached hazard insurance renewal with annual premium of $XXX. TRID 0204 Exception Cleared; - 2/7/2024 - "Please see the attached showing the UW calculated the insurance correctly at $XXX mo. I believe they were looking at the old premium, please see attached insurance reflecting the new premium amount." \*\* Exception is cleared with the attached hazard insurance renewal with annual premium of $XXX. TRID 0204 Exception Cleared; | Funded C A |
| 900000759 | XXXX | 1048203 | 02/02/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Approval. Unable to confirm loan approval date. | 02/08/2024 | Verified housing payment history - 116 combined months of housing history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt with subject refinance totaling $XXXX eliminating $XXXX in monthly payments. ; Verified employment history - Borrower has been with current employer for 23 years plus. ; | 2/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | 2/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; - 2/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | Funded D A |
| 900000784 | XXXX | 1048147 | 02/02/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing BPO as required by Investor (Diligence Ordered 02/02/24) | 02/05/2024 | Net tangible benefit - Borrower paid off $XXXX in total consumer debt eliminating $XXX in monthly payments. ; Low LTV/CLTV/HCLTV - Low 17.16% LTV and 45% CTLV (rounded) when guidelines allow up to 85% LTV.; Verified housing payment history - 119 combined months of housing payment history paid 0x30 per credit report. ; | BPO Ordered 02/02/24, due 02/07/24. | 02/05/24 BPO received value of $XXXX supported. - 02/05/24 BPO received value of $XXXX supported. | Funded C A |
| 900000784 | XXXX | 1048248 | 02/02/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC to address increased recording fee from $115 to $216.50. COCs in file address rate lock and increase in Lender's title policy and closing fees. Difference in allowable charges $90. -- |  | Net tangible benefit - Borrower paid off $XXXX in total consumer debt eliminating $XXX in monthly payments. ; Low LTV/CLTV/HCLTV - Low 17.16% LTV and 45% CTLV (rounded) when guidelines allow up to 85% LTV.; Verified housing payment history - 119 combined months of housing payment history paid 0x30 per credit report. ; | 2/27/2024 - Recd PCCD, LOE, refund check, and courier tracking slip. Tracking confirms deliver XX/XX/XX, which is within 60 days from discovery. TRID 0124 Exception Overridden to EV2; | Client: 2/27/2024 - Recd PCCD, LOE, refund check, and courier tracking slip. Tracking confirms deliver 2/29, which is within 60 days from discovery. TRID 0124 Exception Overridden to EV2; | Funded C B |
| 900000758 | XXXX | 1048252 | 02/05/2024 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Missing documentation to verify the HOI annual premium to confirm $XXX payment used to qualify. Declarations page in file does not confirm the annual HOI premium. | 02/07/2024 | Verified employment history - Borrower has been employed with same employer for 7 plus years.; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified housing payment history - 101 combined months of housing payment history paid 0x30 per credit report. ; | 2/6/2024 - Exception is cleared with the attached EOI reflecting the annual premium to support the qualifying payment. INS 0001 Exception Cleared; | 2/6/2024 - Exception is cleared with the attached EOI reflecting the annual premium to support the qualifying payment. INS 0001 Exception Cleared; - 2/6/2024 - Exception is cleared with the attached EOI reflecting the annual premium to support the qualifying payment. INS 0001 Exception Cleared; | Funded C A |
| 900000781 | XXXX | 1048145 | 02/02/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Lender loan approval not in file. Unable to confirm approval date and any conditions of approval. | 02/09/2024 | Verified housing payment history - 74 combined months of housing history paid 0x30 per credit report; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; |  | 02/09/24 Lender loan approval received. - 02/09/24 Lender loan approval received. | Funded D A |
| 900000781 | XXXX | 1048317 | 02/05/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Review DTI of 60.58% exceeds max allowed of 45% per LRC guidelines. Per lender 1008, the 1st lien mortgage payment with XXX of $XXX (P&I) was omitted from the total housing payment and qualifying. <br>Lender income reflected on 1008 and final 1003 is primary employment (hourly at XX hours) and Borrower income for dependent of $XXX per month. File contains an additional verification that was no considered in qualifying. Review did not consider more income than that of the Lender. DTI exceeds guidelines.&nbsp;&nbsp;&nbsp;&nbsp; | 02/21/2024 | Verified housing payment history - 74 combined months of housing history paid 0x30 per credit report; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; | 02/15/24 Recd from lender: The XXXX states that the individual that she's been receiving the XXX for has been deemed XXXXX by XXZZ since XX/XX/XX, so we know it's not temp which essentially confirms the continuance. <br>\*\*XXXX letter forXXXX confirm DOB of XX/XX/XX which would would continue until the age of XX. letter for XXXX reflect DOB of XX/XX/XX-- Finding remains, Missing documentation to verify proof of current receipt for both XXX and XXX (bank statement reflecting direct deposit) and documentation to verify 3 year continuance of benefits for XXXX.<br>02/09/24 Updated 1008, 1003, and XXX letter received. Lender updated to include additional XXXX received for XXXX of $XXXX per month. Updated DTI 44.18%. <br>\*\*Finding remains, Missing documentation to verify proof of current receipt and documentation to verify 3 year continuance of benefits See CRED 0045, Questionable continuation of income added 02/09/24. | 02/21/24 Current bank statements confirming receipt of income received. Bank statements support borrower as rep payee. DTI with income 43.80% - 02/21/24 Current bank statements confirming receipt of income received. Bank statements support borrower as rep payee. DTI with income 43.80% | Funded C A |
| 900000781 | XXXX | 1048643 | 02/09/2024 | Credit | Questionable continuation of income | CRED 0045 | 1 | Closed | Missing documentation to verify proof of current receipt and documentation to verify 3 year continuance of benefits received as required. Borrower receives benefits for XX individuals, relationship unknown. | 02/21/2024 | Verified housing payment history - 74 combined months of housing history paid 0x30 per credit report; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; | 02/21/24 Current bank statements confirming receipt of income received. Bank statements support borrower as rep payee. <br>02/15/24 Recd from lender: The letter states that the individual that she's been receiving the income for has been deemed disabled by XXXX since XX/XX/XX, so we know it's not temp which essentially confirms the continuance. <br>\*\*Benefits letter for XXXX confirm DOB of XX/XX/XX which would would continue until the age of XX. Awards letter for XXXX reflects DOB of XX/XX/XX-- Finding remains, Missing documentation to verify proof of current receipt for both (bank statement reflecting direct deposit) and documentation to verify 3 year continuance of benefits for XXXXX. | 02/21/24 Current bank statements confirming receipt of income received. Bank statements support borrower as rep payee. - 02/21/24 Current bank statements confirming receipt of income received. Bank statements support borrower as rep payee. | Funded C A |
| 900000774 | XXXX | 1048200 | 02/02/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. | 02/08/2024 | Low LTV/CLTV/HCLTV - Low LTV at 5.94% and Low CLTV of 22.66%. Guidelines allow up to 85% LTV.; Verified housing payment history - 131 combined months of mortgage housing history paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 804 with all credit reported on credit report paid 0x30. No derogatory credit reflected in history with oldest tradeline reflected to date back to XX/XXXX. ; |  | 02/08/24 Lender loan approval received. - 02/08/24 Lender loan approval received. | Funded D A |
| 900000774 | XXXX | 1048201 | 02/02/2024 | Credit | Missing Inter Vivos Revocable Trust Agreement | TRST 0001 | 1 | Closed | Trust Certification / Agreement not in file. Loan closed in name of Trust. | 02/12/2024 | Low LTV/CLTV/HCLTV - Low LTV at 5.94% and Low CLTV of 22.66%. Guidelines allow up to 85% LTV.; Verified housing payment history - 131 combined months of mortgage housing history paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 804 with all credit reported on credit report paid 0x30. No derogatory credit reflected in history with oldest tradeline reflected to date back to XX/XXXX. ; | 02/08/24 Copy of lender trust review form received.<br>\*\*Finding remains, Missing copy of trust or Certification of Trust (XX). | 02/12/24 Copy of trust documents received. - 02/12/24 Copy of trust documents received. | Funded C A |
| 900000774 | XXXX | 1048264 | 02/05/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan disclosures / Escrow section of the final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Low LTV/CLTV/HCLTV - Low LTV at 5.94% and Low CLTV of 22.66%. Guidelines allow up to 85% LTV.; Verified housing payment history - 131 combined months of mortgage housing history paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 804 with all credit reported on credit report paid 0x30. No derogatory credit reflected in history with oldest tradeline reflected to date back to XX/XXXX. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000774 | XXXX | 1048362 | 02/06/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing BPO as required by Investor (Diligence Ordered 02/06/24). | 02/08/2024 | Low LTV/CLTV/HCLTV - Low LTV at 5.94% and Low CLTV of 22.66%. Guidelines allow up to 85% LTV.; Verified housing payment history - 131 combined months of mortgage housing history paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 804 with all credit reported on credit report paid 0x30. No derogatory credit reflected in history with oldest tradeline reflected to date back to XX/XXXX. ; |  | 02/08/24 BPO received. Value returned at XXXX which is a variance of less than 1%. - 02/08/24 BPO received. Value returned at XXXX which is a variance of less than 1%. | Funded C A |
| 900000767 | XXXX | 1048267 | 02/05/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing the lender's Loan Approval, only an unsigned 1008 that does not reflect the correct interest rate is in the file. | 02/08/2024 | Verified credit history - Credit report history dates back to XXXX with no late payments reported.; Income verified was not used in qualifying - The borrower receives bonus income that was not considered in qualifying; | 2/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | 2/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; - 2/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | Funded D A |
| 900000767 | XXXX | 1048278 | 02/05/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Subject loan is a second lien transaction on the borrowers primary residence as confirmed by the Occupancy Affidavit. The Notice of Right to Cancel was signed at closing reflecting the rescission period did not expire until XX/XX/XX. The final CD reflects the loan disbursed on XX/XX/XX, no rescission period. The ALTA settlement statement reflects the disbursement date as XX/XX/XX, insufficient rescission period. | 02/15/2024 | Verified credit history - Credit report history dates back to XXXX with no late payments reported.; Income verified was not used in qualifying - The borrower receives bonus income that was not considered in qualifying; | 02/09/24 Recd from lender: Please see PCCD to confirm disbursement date. LOE to borrower and PC CD dated XX/XX/XX received. Disbursement date updated to XX/XX/XX. Interest from date updated to XX/XX/XX. <br>\*\*Finding remains PC CD does not reflect the payoff to creditors as reflected on the Settlement statement. Additionally settlement statement in file also reflects a disbursement date of XX/XX/XX with Interest from XX/XX/XX. Missing copy of final settlement statement reflecting the disbursement date of XX/XX/XX with PPI from XX/XX/XX of $XX. | 02/15/24 Final CD and PC CD confirming disbursement date of XX/XX/XX received. - 02/15/24 Final CD and PC CD confirming disbursement date of XX/XX/XX received. | Funded C A |
| 900000767 | XXXX | 1048293 | 02/05/2024 | Credit | Condo Documentation is Insufficient | COND 0002 | 2 | Acknowledged | Per guidelines, Fannie Mae form 1076 or equivalent project questionnaire required on non-detached condos. The file contains a condo review and evidence the project is approved by FNMA but the actual condo questionnaire was not in the file. |  | Verified credit history - Credit report history dates back to XXXX with no late payments reported.; Income verified was not used in qualifying - The borrower receives bonus income that was not considered in qualifying; | 02/15/24 Duplicate copy of 1008, FNMA Project approval received.<br>\*\*Finding remains, missing Fannie Mae form 1076 or equivalent project questionnaire as required on non-detached condos. | Client: Investor Acknowledged Exception - Verification project is warrantable in file as verified by FNMA project approval. | Funded C B |
| 900000767 | XXXX | 1048305 | 02/05/2024 | Compliance | Loan disbursed prior to loan transaction date. | CRED 0121 | 1 | Closed | The last Closing Disclosure in the file reflects the closing and disbursement date as XX/XX/XX, the borrower signed on XX/XX/XX. | 02/15/2024 | Verified credit history - Credit report history dates back to XXXX with no late payments reported.; Income verified was not used in qualifying - The borrower receives bonus income that was not considered in qualifying; | 02/09/24 Recd from lender: Please see PCCD to confirm disbursement date. LOE to borrower and PC CD dated XX/XX/XX received. Disbursement date updated to XX/XX/XX. Interest from date updated to XX/XX/XX. <br>\*\*Finding remains PC CD does not reflect the payoff to creditors as reflected on the Settlement statement. Additionally settlement statement in file also reflects a disbursement date of XX/XX/XX with Interest from XX/XX/XX. Missing copy of final settlement statement reflecting the disbursement date of XX/XX/XX with PPI from XX/XX/XX of $36.76. | 02/14/24 Final CD and PC CD received confirming disbursement date of XX/XX/XX. - 02/14/24 Final CD and PC CD received confirming disbursement date of XX/XX/XX. | Funded C A |
| 900000767 | XXXX | 1048306 | 02/05/2024 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing final CD. Subject property is in a dry funding state and the last CD in the file is the one signed at closing. The disclosure reflects the wrong closing and disbursement date. Additionally, the lock was extended on XX/XX/XX) indicating disbursement did not occur until after the XX/XX/XX lock expiration. | 02/15/2024 | Verified credit history - Credit report history dates back to XXXX with no late payments reported.; Income verified was not used in qualifying - The borrower receives bonus income that was not considered in qualifying; | 02/09/24 Recd from lender: Please see final PCCD to match FSS in file. LOE to borrower and PC CD dated XX/XX/XX received. Disbursement date updated to XX/XX/XX. Interest from date updated to XX/XX/XX. <br>\*\*Finding remains PC CD does not reflect the payoff to creditors as reflected on the Settlement statement. Additionally settlement statement in file also reflects a disbursement date of XX/XX/XX with Interest from XX/XX/XX. Missing copy of final settlement statement reflecting the disbursement date of XX/XX/XX with PPI from XX/XX/XX of $XX. | 02/15/24 Final settlement statement received. - 02/15/24 Final settlement statement received. | Funded D A |
| 900000767 | XXXX | 1048314 | 02/05/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | The appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified credit history - Credit report history dates back to XXXX with no late payments reported.; Income verified was not used in qualifying - The borrower receives bonus income that was not considered in qualifying; |  | Client: EV2 Non-Material | Funded C B |
| 900000760 | XXXX | 1048325 | 02/05/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing VVOE for B2 dated w/in 10 days of the Note date. VVOE in file was completed > 10 days.<br>NOTE: XX/XX/XX - Exception for B1, not B2. | 02/07/2024 |  | 2/7/2024 - Exception is cleared with the attached post consummation dated VOE to support the pre-consummation dated VOE in file. CRED 0006 Exception Cleared; | 2/7/2024 - Exception is cleared with the attached post consummation dated VOE to support the pre-consummation dated VOE in file. CRED 0006 Exception Cleared; - 2/7/2024 - Exception is cleared with the attached post consummation dated VOE to support the pre-consummation dated VOE in file. CRED 0006 Exception Cleared; | Funded C A |
| 900000760 | XXXX | 1048336 | 02/05/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  |  |  | Client: EV2 Non-Material | Funded C B |
| 900000770 | XXXX | 1048297 | 02/05/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. | 02/09/2024 | Verified housing payment history - 78 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; |  | 02/07/24 Lender loan approval received. - 02/07/24 Lender loan approval received. | Funded D A |
| 900000770 | XXXX | 1048310 | 02/05/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures/ Escrows Section of the Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified housing payment history - 78 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000770 | XXXX | 1048312 | 02/05/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations |  | Verified housing payment history - 78 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000779 | XXXX | 1048436 | 02/06/2024 | Compliance | LE / CD Re-Disclosure Made Post-Consummation | TRID 0146 | 1 | Closed | PC CD dated xx/xx/xx reflects updates to the following fess: Doc prep fee $100, updated to lender paid, Settlement fee $500, updated to lender paid. Final settlement statement reflects these fees as borrower paid. Missing evidence of refund of $600 in fees to borrower. (Verified no principal reduction per servicing history p 6.) | 02/20/2024 | Verified housing payment history - 103 combined months of mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been on the job with the same employer for 5 plus years. ; Income verified was not used in qualifying - Verified income not used to qualify.; |  | 2/20/24 - Recd final ALTA settlement statement from title reflecting the seller credit and disbursement to borrower $xxxxx ($xxxxxx on ALTA at closing) - 2/20/24 - Recd final ALTA settlement statement from title reflecting the seller credit and disbursement to borrower $xxxxx ($xxxxxx on ALTA at closing) | Funded C A |
| 900000779 | XXXX | 1048437 | 02/06/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | The PC CD reflects APR reduction by .162. CD signed at closing 12.958%, post closing CD 12.796% |  | Verified housing payment history - 103 combined months of mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been on the job with the same employer for 5 plus years. ; Income verified was not used in qualifying - Verified income not used to qualify.; |  | Client: EV2 Non-Material, APR Decreased. | Funded C B |
| 900000779 | XXXX | 1048439 | 02/06/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | The appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified housing payment history - 103 combined months of mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been on the job with the same employer for 5 plus years. ; Income verified was not used in qualifying - Verified income not used to qualify.; |  | Client: EV2 Non-Material | Funded C B |
| 900000773 | XXXX | 1048458 | 02/07/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing the underwriting approval. | 02/09/2024 | Verified employment history - Borrower has been employed with same employer for 15 years plus. ; |  | 02/09/24 Lender loan approval received. - 02/09/24 Lender loan approval received. | Funded D A |
| 900000773 | XXXX | 1048464 | 02/07/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 1 | Closed | LE XX/XX/XX APR 10.066%<br>Initial CD APR 10.086%<br>Interim CD APR 10.216%<br>Final CD APR 10.229%<br>| 02/15/2024 | Verified employment history - Borrower has been employed with same employer for 15 years plus. ; | 02/09/24 Copy of CD executed XX/XX/XX received. <br>\*\*Finding remains, Please provide confirmation if lender considers Saturday's as a business day. | 02/15/24 Confirmation from lender received that for TRID CD and LE purposes Saturday is considered as a business day. - 02/15/24 Confirmation from lender received that for TRID CD and LE purposes Saturday is considered as a business day. | Funded C A |
| 900000773 | XXXX | 1048497 | 02/08/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing BPO as required by Investor (Diligence to Order). | 02/12/2024 | Verified employment history - Borrower has been employed with same employer for 15 years plus. ; | 02/08/24 BPO order placed, due XX/XX/XX | 02/12/24 BPO received, value returned at $XXXX. - 02/12/24 BPO received, value returned at $XXXX. | Funded C A |
| 900000773 | XXXX | 1048499 | 02/08/2024 | Property | Subject Property Address does not match Appraisal Address | APPR 0008 | 1 | Closed | AVM reflects the City name of XX, XX while the Note and Property Condition Report reflect XX, XX. | 02/09/2024 | Verified employment history - Borrower has been employed with same employer for 15 years plus. ; |  | 02/09/24 Cleared per lender response with supporting searches: Per internet search of address the results return the same property. In addition the property APN on the AVM and PCR both match title report. - 02/09/24 Cleared per lender response with supporting searches: Per internet search of address the results return the same property. In addition the property APN on the AVM and PCR both match title report. | Funded C A |
| 900000773 | XXXX | 1048589 | 02/08/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. File contains a AVM effective XX/XX/XX and separate Exterior PCR- Property Condition Inspection dated XX/XX/XX. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) Must be an approved AVM provider. Additional Property Details report in file. |  | Verified employment history - Borrower has been employed with same employer for 15 years plus. ; |  | Client: Investor Acknowledged Exception | Funded C B |
| 900000782 | XXXX | 1048571 | 02/08/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing the final Underwriter Approval. There is an approval in the file but it reflects the wrong loan amount and interest rate. | 02/22/2024 | Verified reserves - 11.4 mths reserves verified w/a minimum requirement of 2.; |  | 02/24/24 Final loan approval received. - 02/24/24 Final loan approval received. | Funded C A |
| 900000782 | XXXX | 1048591 | 02/08/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Unable to validate lenders disclosed Estimated Taxes, Ins, & Assessments of $XXXX and Estimated Property Costs over Year 1 of $XXXX (11mths). Annual taxes per tax cert and tax information sheet $XXXX. HOI Total Policy Premium $XXXX, Total XXXX / 12 = XXXX x 11 = XXXX. |  | Verified reserves - 11.4 mths reserves verified w/a minimum requirement of 2.; | 2/26/2024 - PC CD issued XX/XX/XX with the corrected Estimated Taxes, Ins, & Assessments and Estimated Property Costs over Year 1 recd.<br>02/23/24 Duplicate copy of CD issued XX/XX/XX that was provided in the origination package received w/LOE to the borrower dated XX/XX/XX.<br>\*\*Finding remains, Missing copy of PC CD with updated Estimated Taxes, Ins, & Assessments and Estimated Property Costs over Year 1. | Client: 2/26/2024 - Exception is cured with the attached PCCD and corresponding LOE. TRID 0204 Exception Overridden to EV2. | Funded C B |
| 900000782 | XXXX | 1048593 | 02/08/2024 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Missing evidence of insurance in place at the time of closing. Insurance documentation in the file is for the renewal policy effective XX/XX/XX, loan closed XX/XX/XX. | 02/13/2024 | Verified reserves - 11.4 mths reserves verified w/a minimum requirement of 2.; |  | 02/13/24 Copy of current policy received. - 02/13/24 Copy of current policy received. | Funded C A |
| 900000762 | XXXX | 1048582 | 02/08/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Diligence to order CDA as the FNMA and FHLMC SSR scores both exceed 2.5. | 02/12/2024 | Verified ownership of subject property - The borrower has owned the subject property since XXXX.; Low LTV/CLTV/HCLTV - LTV is 8.929%, CLTV is 72%; | 02/08/24 CDA ordered, Due 02/12/2024. | 02/12/24 CDA received supporting value of $XXXX. - 02/12/24 CDA received supporting value of $XXXX. | Funded C A |
| 900000823 | XXXX | 1048600 | 02/08/2024 | Compliance | Mortgage/Deed of Trust is not Recorded | DEED 0005 | 1 | Closed | Missing copy of recorded mortgage or a copy of the lender's closing instructions to the settlement agent to verify the requirement to record. | 02/13/2024 | Income verified was not used in qualifying - 3 year history of XXX and XXX for B1/B2 was documented but not considered in the qualifying income by the lender.; Verified housing payment history - 60+ mths of mtg history verified 0x30 per CBR.; Low LTV/CLTV/HCLTV - 67.07% CLTV w/a max allowed of 85% for FICO > 700.; Verified credit history - Qualifying FICO 702 w/a minimum requirement of 680.; |  | 02/13/24 Copy of recorded Deed of Trust received. - 02/13/24 Copy of recorded Deed of Trust received. | Funded C A |
| 900000823 | XXXX | 1048605 | 02/09/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Unable to validate lenders calculated Estimated Taxes, Insurance, & Assessments of XXX, Estimated Property Costs over Year 1 of $XXXX (11 mths). Review calculated Estimated TI&A $XXX, Costs over 1 yr $XXXX (11 mths). Taxes per tax cert and title $XXX per yr. HOI Total Premium $XXX. |  | Income verified was not used in qualifying - 3 year history of XXX and XXX for B1/B2 was documented but not considered in the qualifying income by the lender.; Verified housing payment history - 60+ mths of mtg history verified 0x30 per CBR.; Low LTV/CLTV/HCLTV - 67.07% CLTV w/a max allowed of 85% for FICO > 700.; Verified credit history - Qualifying FICO 702 w/a minimum requirement of 680.; | 03/04/24 PC CD reflecting updated Estimated TI&A of $XX with Costs over 1 yr of $XX (11 mths). | Client: EV2 Post Closing Corrective Action- PC CD dated XX/XX/XX received w/LOE to the borrower explaining the the reason for re-disclosure. | Funded C B |
| 900000823 | XXXX | 1048607 | 02/09/2024 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Credit report reflects a mortgage to XXXX A/# ending in XXXX opened XX/XX which is not tied to an REO on the 1003. Missing documentation to verify property associated with this mortgage. Opening Balance $XXXX, Current Balance $XXXX, Payment $XXX. (Date of last activity XX/XX. Noted that this mortgage is not reflected on title for the subject) | 03/28/2024 | Income verified was not used in qualifying - 3 year history of XXX and XXX for B1/B2 was documented but not considered in the qualifying income by the lender.; Verified housing payment history - 60+ mths of mtg history verified 0x30 per CBR.; Low LTV/CLTV/HCLTV - 67.07% CLTV w/a max allowed of 85% for FICO > 700.; Verified credit history - Qualifying FICO 702 w/a minimum requirement of 680.; | 03/28/24 Updated 1008/1003 received.<br>3/18/2024 - Recd Time Share annual billing statement. DTI 45.55% > 45% Max Allowed with mortgage and annual fees considered in qualifying. CRED 0096 Exception Remains; | 3/18/2024 - Recd Time Share annual billing statement. Lender also provided updated 1008/1003. B2 income was updated to include bonus and overtime to keep the DTI under 45%. - 3/18/2024 - Recd Time Share annual billing statement. Lender also provided updated 1008/1003. B2 income was updated to include bonus and overtime to keep the DTI under 45%. | Funded C A |
| 900000763 | XXXX | 1048626 | 02/09/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing BPO supporting $XXXX due to AVM with Property Condition Report used for valuation. Diligence to order. | 02/12/2024 | Verified credit history - 785 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 24.59% LTV, 69.09% CLTV w/a max allowed CLTV of 85% for fico > 700.; Verified housing payment history - 60+ mths of mtg history verified 0x30 per CBR (1x30 12/17).; | 02/09/24 BPO ordered, due 02/14/24. | 02/12/24 BPO Received. Value returned at $XXXX variance of -3.7% within allowable tolerance. - 02/12/24 BPO Received. Value returned at $XXXX variance of -3.7% within allowable tolerance. | Funded C A |
| 900000763 | XXXX | 1048651 | 02/09/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Missing investor acknowledgment of separate AVM and property inspection. File contains AVM dated XX/XX/XX and Exterior PCR also dated XX/XX/XX. |  | Verified credit history - 785 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 24.59% LTV, 69.09% CLTV w/a max allowed CLTV of 85% for fico > 700.; Verified housing payment history - 60+ mths of mtg history verified 0x30 per CBR (1x30 12/17).; | 02/12/24 Email received ok to proceed. | Client: Investor acknowledged exception. | Funded C B |
| 900000793 | XXXX | 1048706 | 02/12/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed property tax and insurance of $X with property costs over 11 months of $XX is inaccurate. Taxes and insurance are escrowed with first lien mortgage $XXXX. Actual documented tax and insurance is $XXXX with property costs over 11 months $XXXX. |  | Verified housing payment history - Credit report confirms 28 months satisfactory mortgage rating.; Verified employment history - B1 VOE confirms 7+ years employment with present employer.; Low LTV/CLTV/HCLTV - 80% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 705/730 with no history of delinquency reported. Minimum credit score required 700.; Verified ownership of subject property - 26.33% DTI < 45% Max Allowed.; Verified reserves - 30+ mths of reserves verified.; |  | Client: EV2 Post-Closing Corrective Action - 02/21/24 PC CD and LOE to the borrower received. Estimated taxes, insurance, & assessments updated. | Funded C B |
| 900000793 | XXXX | 1048717 | 02/12/2024 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | COC dated XX/XX does not provide a reason for the increase to the loan discount from $541 to $1117. |  | Verified housing payment history - Credit report confirms 28 months satisfactory mortgage rating.; Verified employment history - B1 VOE confirms 7+ years employment with present employer.; Low LTV/CLTV/HCLTV - 80% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 705/730 with no history of delinquency reported. Minimum credit score required 700.; Verified ownership of subject property - 26.33% DTI < 45% Max Allowed.; Verified reserves - 30+ mths of reserves verified.; | 03/11/24 Delivery Confirmed.<br>03/08/24 Per Fed-Ex tracking 4:11 CST package is in route for delivery with an estimated delivery date of XX/XX/XX. Upon verification of delivery loan can be downgraded to an EV2.<br>03/06/24 PCCD dated XX/XX/XX received with LOE to the borrower, refund check, and trackable delivery. <br>\*\*Finding remains pending receipt of delivery on XX/XX/XX per tracking slip. Once delivery is verified finding can be downgraded to an EV2. | Client: EV2 Post-Closing Corrective Action -- 03/11/24 Delivery Confirmed. XX/XX/XX PCCD dated XX/XX/XX received with LOE to the borrower, refund check. | Funded C B |
| 900000793 | XXXX | 1048720 | 02/12/2024 | Credit | Insufficient Verified Reserves (Number of Months) | CRED 0017 | 1 | Closed | 1.57 months reserves cash in had received at closing < 2 months required for CLTV > 75%. No additional reserves documented in file. Missing investor acknowledgment for insufficient documented reserves. | 02/22/2024 | Verified housing payment history - Credit report confirms 28 months satisfactory mortgage rating.; Verified employment history - B1 VOE confirms 7+ years employment with present employer.; Low LTV/CLTV/HCLTV - 80% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 705/730 with no history of delinquency reported. Minimum credit score required 700.; Verified ownership of subject property - 26.33% DTI < 45% Max Allowed.; Verified reserves - 30+ mths of reserves verified.; |  | 02/22/24 Asset statements for B2 received which verify sufficient funds to meet the reserves requirement. - 02/22/24 Asset statements for B2 received which verify sufficient funds to meet the reserves requirement. | Funded C A |
| 900000847 | XXXX | 1048891 | 02/14/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR decreased greater than .125, thus considered a benefit to the borrower. |  | Verified employment history - B2 VOE confirms 10+ years employment with present employer.; Verified housing payment history - Credit report confirms 137+ months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.70% CLTC < 75% Max Allowed.; Verified credit history - Middle credit scores 705/691 > 680 Minimum Required.; Low DTI - 30.15% DTI < 45% Max Allowed.; |  | Client: EV2 Non-Material | Funded C B |
| 900000847 | XXXX | 1048920 | 02/14/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing evidence of the latest issued loan estimate. Timing requirement not met with US Mailbox rule applied. | 03/12/2024 | Verified employment history - B2 VOE confirms 10+ years employment with present employer.; Verified housing payment history - Credit report confirms 137+ months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.70% CLTC < 75% Max Allowed.; Verified credit history - Middle credit scores 705/691 > 680 Minimum Required.; Low DTI - 30.15% DTI < 45% Max Allowed.; | 3/12/2024 - Exception is cleared with the attached disclosure tracking evidencing delivery of the latest issued LE on the issuance date. TRID 0023 Exception Cleared; | 3/12/2024 - Exception is cleared with the attached disclosure tracking evidencing delivery of the latest issued LE on the issuance date. TRID 0023 Exception Cleared; - 3/12/2024 - Exception is cleared with the attached disclosure tracking evidencing delivery of the latest issued LE on the issuance date. TRID 0023 Exception Cleared; | Funded C A |
| 900000847 | XXXX | 1048921 | 02/14/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified employment history - B2 VOE confirms 10+ years employment with present employer.; Verified housing payment history - Credit report confirms 137+ months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.70% CLTC < 75% Max Allowed.; Verified credit history - Middle credit scores 705/691 > 680 Minimum Required.; Low DTI - 30.15% DTI < 45% Max Allowed.; |  | Client: EV2 Non-Material | Funded C B |
| 900000847 | XXXX | 1048958 | 02/15/2024 | Credit | Missing Divorce Decree and/or Separation Agreement | DD 0001 | 1 | Closed | Missing B1 divorce agreement. Search in file reflects divorce/separation filed XX/XX/XX. | 04/10/2024 | Verified employment history - B2 VOE confirms 10+ years employment with present employer.; Verified housing payment history - Credit report confirms 137+ months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.70% CLTC < 75% Max Allowed.; Verified credit history - Middle credit scores 705/691 > 680 Minimum Required.; Low DTI - 30.15% DTI < 45% Max Allowed.; |  | 04/10/24 Complete copy of BK docs filed XX/XX/XX received. BK docs confirm no liability and that at the time the borrower was actually receiving child support. - 04/10/24 Complete copy of BK docs filed XX/XX/XX received. BK docs confirm no liability and that at the time the borrower was actually receiving child support. | Funded C A |
| 900000792 | XXXX | 1048885 | 02/14/2024 | Compliance | LE / CD Re-Disclosure Made Post-Consummation | TRID 0146 | 2 | Acknowledged | Post closing CD issued on XX/XX/XX reflects a decrease in recording fees with increased cash to borrower. Disbursement ledger reflects $xxxx wired to the borrower on the funding date xx/xx/xx, missing evidence of refund or principal reduction for the recording fee overcharge. |  | Verified credit history - 719 mid fico w/a minimum requirement of 680.; Verified housing payment history - 64 mths of mtg history verified 0x30 per CBR.; | 03/11/24 Delivery confirmed.<br>03/08/24 Per Fed-Ex tracking as of 4:07 CST package is in route for delivery with an estimated delivery date of xx/xx/xx. Upon verification of delivery loan can be downgraded to an EV2.<br>03/06/24 Copy of refund check to the borrower for $xx received w/LOE and tracking. Tracking reflects estimated delivery XX/XX/XX. Finding can be downgraded to an EV2 upon verification of borrower receipt. | Client: EV2 Post-Closing Corrective Action- 03/11/24 Delivery confirmed. Copy of refund check to the borrower for $XX received w/LOE and tracking. | Funded C B |
| 900000785 | XXXX | 1048914 | 02/14/2024 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 1 | Closed | Missing evidence the premium on the renewal insurance policy has been paid. | 02/29/2024 | Verified credit history - Credit score 789, minimum required 700; Verified employment history - The borrower has been with their current employer for 17 years.; Low DTI - DTI is 34.67%, maximum 45%.; | 2/28/2024 - Exception is cleared with the attached insurance paid receipt. HAZ 0001 Exception Cleared; | 2/28/2024 - Exception is cleared with the attached insurance paid receipt. HAZ 0001 Exception Cleared; - 2/28/2024 - Exception is cleared with the attached insurance paid receipt. HAZ 0001 Exception Cleared; | Funded C A |
| 900000786 | XXXX | 1049029 | 02/15/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing junior policy or title supplement with coverage sufficient to cover the loan amount of $XXXX; Preliminary title report reflects coverage of $XXX. | 02/22/2024 | Verified housing payment history - Credit report confirms 37 months satisfactory mortgage rating.; Verified credit history - 755 Credit Score > 700 Minimum Required; Low LTV/CLTV/HCLTV - 80.05% CLTV < 85% Max Allowed.; Low DTI - 19.93% DTI < 45% Max Allowed.; |  | 02/22/24 Updated preliminary title reflecting the proposed loan amount of $XXXX received. - 02/22/24 Updated preliminary title reflecting the proposed loan amount of $XXXX received. | Funded C A |
| 900000794 | XXXX | 1049037 | 02/15/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | 1. Missing the judgment release which was to be recorded at closing.<br>2. The preliminary title report includes a survey exception, no survey in the file. | 03/06/2024 | Verified employment history - The borrower has been with their current employer for 10 years.; Verified ownership of subject property - The borrower has owned the subject property since xxxx.; | 02/26/24 Recd from lender: Satisfaction of Court Case. Per Title "We have made the determination that an alternative to a survey has been met, and that a survey is not required."<br>\*\*Finding is partially cleared. Item # 1 is cleared with the receipt of Full satisfaction of judgment filed xx/xx/xx.;<br>Item # 2 remains. --Missing copy of survey or Survey Affidavit for refinance. | 03/06/24 Notarized Owners Affidavit verifying no improvement's to the property received. - 03/06/24 Notarized Owners Affidavit verifying no improvement's to the property received. | Funded C A |
| 900000787 | XXXX | 1049034 | 02/15/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified employment history - B2 VOE confirms 17+ years with present employer.; Verified housing payment history - Credit report confirms 87 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 44.11% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 725/790 > 680 Minimum Required.; Low DTI - 21.39% DTI < 45% Max Allowed.; |  | Client: EV2 Non-Material | Funded C B |
| 900000787 | XXXX | 1049097 | 02/16/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | B1 VOE confirms 19+ years employment, however, only most recent year and YTD information provided. Start date on the 1003 is XXXX. Most recent two years W2s from other employer, with no VOE provided. <br>1) Missing B1 employer confirmation of employment dates. <br>2) Missing B1 prior employer VOE.<br>3) B1 and B2 employer to confirm borrowers are paid XX months out of the year. | 03/05/2024 | Verified employment history - B2 VOE confirms 17+ years with present employer.; Verified housing payment history - Credit report confirms 87 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 44.11% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 725/790 > 680 Minimum Required.; Low DTI - 21.39% DTI < 45% Max Allowed.; | 2/29/2024 - Part 1 and 3 of the exception are cleared with the attached email correspondence from the borrowers employer confirming B1 employment dates and that B1 is paid on XX mo basis with B2 being paid on XX mo basis. CRED 0082 Exception Cleared;<br>02/27/23 VVOE for XXXX received verifying employment dates. Item # 2 Cleared.<br>\*\*Finding is partially cleared, Items 1 and 3 remain- <br>1) Missing B1 employer confirmation of employment dates. <br>3) B1 and B2 employer to confirm borrowers are paid XX months out of the year. | 2/29/2024 - Part 1 and 3 of the exception are cleared with the attached email correspondence from the borrowers employer confirming B1 employment dates and that B1 is paid on XX mo basis with B2 being paid on XX mo basis. CRED 0082 Exception Cleared;<br>- 2/29/2024 - Part 1 and 3 of the exception are cleared with the attached email correspondence from the borrowers employer confirming B1 employment dates and that B1 is paid on XX mo basis with B2 being paid on XX mo basis. CRED 0082 Exception Cleared; | Funded C A |
| 900000808 | XXXX | 1049077 | 02/15/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Review DTI 45.72% > 45% Max Allowed; Qualifying income of $XXXX included XXXX and XXXX. YTD income $XXXX / XX = $XXXX. Missing verification of last pay increase from employer to support the use of the base salary of $XXXX instead of the lesser YTD average. Guidelines defer to agency, calculations must be compared with the documented year-to-date base earnings (and past year earnings, if applicable) to determine if the income amount appears to be consistent. | 03/15/2024 | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified employment history - VOE confirms 19+ years employment with present employer.; Low LTV/CLTV/HCLTV - 57.23% CLTV < 75% Max Allowed.; | 3/15/2024 - Recd consummation dated and post-consummation pay stubs to evidence qualifying income is supported; Pay rate increased to $XX on the consummation dated pay stub. DTI < 45% with the lesser pay rate of $XX documented in file. CRED 0004 Exception Cleared; | 3/15/2024 - Recd consummation dated and post-consummation pay stubs to evidence qualifying income is supported; Pay rate increased to $XX on the consummation dated pay stub. DTI < 45% with the lesser pay rate of $XX documented in file. CRED 0004 Exception Cleared; - 3/15/2024 - Recd consummation dated and post-consummation pay stubs to evidence qualifying income is supported; Pay rate increased to $XX on the consummation dated pay stub. DTI < 45% with the lesser pay rate of $XX documented in file. CRED 0004 Exception Cleared; | Funded C A |
| 900000808 | XXXX | 1049079 | 02/15/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing valid reason for the addition of the $140 Intangible Tax. Borrower used a provider from the service provider list. |  | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified employment history - VOE confirms 19+ years employment with present employer.; Low LTV/CLTV/HCLTV - 57.23% CLTV < 75% Max Allowed.; | 03/06/24 Verification of delivery received<br>2/27/2024 - Recd PCCD, LOE, refund check, and courier tracking slip. Exception can be overridden to EV2 upon receipt of evidence of delivery to borrower completed within 60 days from discovery. Tracking reflects delivery is pending. TRID 0195 Exception Remains; | Client: EV2 Post-Closing Corrective Action-- PCCD, LOE, refund check, and verification of delivery received. | Funded C B |
| 900000783 | XXXX | 1049046 | 02/15/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified reserves - 17.43 months reserves from the cash out proceeds available, 2 months required.; Verified housing payment history - The credit report reflects 41 months of mortgage payment history, 28 months on the first mortgage, 0x30; |  | Client: EV2 Non-Material | Funded C B |
| 900000783 | XXXX | 1049080 | 02/15/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing documentation to confirm the borrower's pay while on leave is the same as base pay. Income was calculated from paystub through XX/XX/XX borrower started a 6 week leave on XX/XX/XX with an expected return XX/XX/XX, so there are no paystubs in the file reflecting income while on leave. The employer correspondence does not address if the rate of pay is affected. The borrower is scheduled to return to work prior to the first payment date of XX/XX/XX, but per FNMA the leave pay must be documented if the borrower is on leave at the time of closing. | 02/27/2024 | Verified reserves - 17.43 months reserves from the cash out proceeds available, 2 months required.; Verified housing payment history - The credit report reflects 41 months of mortgage payment history, 28 months on the first mortgage, 0x30; |  | 02/27/24 Pay stubs for pay periods ending XX/XX/XX and XX/XX/XX received. No change in pay verified. - 02/27/24 Pay stubs for pay periods ending XX/XX/XX and XX/XX/XX received. No change in pay verified. | Funded C A |
| 900000772 | XXXX | 1049088 | 02/15/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified housing payment history - Credit report confirms 34 months satisfactory mortgage rating.; Verified employment history - VOE confirms 19+ years employment with present employer.; Low LTV/CLTV/HCLTV - 64.06% CLTV < 85% Max Allowed.; Verified credit history - Middle credit score 715 < 680 Minimum Required.; |  | Client: EV2 Non-Material | Funded C B |
| 900000805 | XXXX | 1049059 | 02/15/2024 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Proof of Insurance does not include premium amount. Unable to determine Hazard Insurance costs. | 03/07/2024 | Verified reserves - The borrower is receiving 45.62 months PITIA reserves from the cash out proceeds, only 2 months required.; Low DTI - DTI 23.82%, maximum 45%; | 02/27/24 Copy of first lien Note and XX/XX monthly statement received.<br>\*\*Finding remains, Missing updated copy of subject insurance deck page with the total policy premium. | 03/07/24 Email from insurance agent confirming the total policy premium of $XXXX for policy dated XX/XX/XX-XX/XX/XX received. Monthly estimate updated to XXX. - 03/07/24 Email from insurance agent confirming the total policy premium of $XXXX for policy dated XX/XX/XX-XX/XX/XX received. Monthly estimate updated to XXX. | Funded C A |
| 900000805 | XXXX | 1049060 | 02/15/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan Approval not in file, only an unsigned 1008. | 02/27/2024 | Verified reserves - The borrower is receiving 45.62 months PITIA reserves from the cash out proceeds, only 2 months required.; Low DTI - DTI 23.82%, maximum 45%; |  | 02/27/24 Lender loan approval received. - 02/27/24 Lender loan approval received. | Funded D A |
| 900000805 | XXXX | 1049071 | 02/15/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows Section of the Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified reserves - The borrower is receiving 45.62 months PITIA reserves from the cash out proceeds, only 2 months required.; Low DTI - DTI 23.82%, maximum 45%; |  | Client: EV2 Non-Material | Funded C B |
| 900000805 | XXXX | 1049172 | 02/16/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing VVOE within 30 calendar days prior to the note<br>date for self-employment. The file contains a printout from the website dated xx/xx/xx but does not include the address or phone number. Per FNMA Selling guide a self employment VOE may be completed through a third party, such as a CPA, regulatory agency, or the applicable licensing bureau, if possible; or by verifying a phone listing and address for the borrower's business using a telephone book, the internet, or directory assistance. | 02/27/2024 | Verified reserves - The borrower is receiving 45.62 months PITIA reserves from the cash out proceeds, only 2 months required.; Low DTI - DTI 23.82%, maximum 45%; | 02/27/24 Duplicate copy of printout from the website dated xx/xx/xx received. <br>\*\*Finding remains, Print out does not include the address or phone number. Per FNMA Selling guide a self employment VOE may be completed through a third party, such as a CPA, regulatory agency, or the applicable licensing bureau, if possible; or by verifying a phone listing and address for the borrower's business using a telephone book, the internet, or directory assistance. | 02/27/24 Updated web printout with phone number and address received. - 02/27/24 Updated web printout with phone number and address received. | Funded C A |
| 900000795 | XXXX | 1049365 | 02/19/2024 | Property | Property Acreage exceeds 10 Acres | APPR 0029 | 2 | Acknowledged | Per the appraisal the property is xx acres. Per guidelines properties with more than 10 acres are ineligible. No approved exception located in the file. |  | Verified reserves - Borrower is receiving 20.65 months PITIA reserves from the cash out proceeds, no reserves are required.; Verified credit history - FICO score 766, minimum required 680; | 2/26/2024 - Recd response from investor, We are ok with granting exceptions for the acreage. APPR 0029 Investor Acknowledged Exception; | Client: 2/26/2024 - Recd response from investor, We are ok with granting exceptions for the acreage. APPR 0029 Investor Acknowledged Exception; | Funded C B |
| 900000795 | XXXX | 1049406 | 02/19/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | XX properties are Ineligible - Neighborhood on the appraisal is marked "xx" but the area appears to be xx. Zoning is for xxx, xx. The appraiser did not view any indication of xx use for the subjects xx acres. Due to the conflicting information, clarification from appraiser stating why they consider it xx with these features present or visa versa. |  | Verified reserves - Borrower is receiving 20.65 months PITIA reserves from the cash out proceeds, no reserves are required.; Verified credit history - FICO score 766, minimum required 680; |  | Client: 2/26/2024 - Recd response from investor, We are ok with granting exceptions for the property 1003808. APPR 0029 Investor Acknowledged Exception; | Funded C B |
| 900000797 | XXXX | 1049095 | 02/16/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Unable to validate Estimated Taxes, Insurance & Assessments of $XXX with Estimated Property Costs over Year 1 of $XX (10 mths) on the finial CD. Review calculated Taxes $XX, HOI $XX with Costs over 1 year of $XX (10 mths). |  | Low LTV/CLTV/HCLTV - CLTV for the subject is 68.75%; Established credit history - Tradelines reported on credit date back to XXXX with no reported late payments.; | 2/28/2024 - Exception is overridden to EV2 with the attached PCCD and corresponding LOE; estimated escrow updated with 10 months property costs disclosed. TRID 0204 Exception Overridden to EV2; | Client: 2/28/2024 - Exception is overridden to EV2 with the attached PCCD and corresponding LOE; estimated escrow updated with 10 months property costs disclosed. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000797 | XXXX | 1049207 | 02/16/2024 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 1 | Closed | The hazard insurance is not escrowed on the first loan, insurer correspondence states the borrower is on a monthly plan, total premium has not been paid in full. | 02/27/2024 | Low LTV/CLTV/HCLTV - CLTV for the subject is 68.75%; Established credit history - Tradelines reported on credit date back to XXXX with no reported late payments.; |  | 02/27/24 Verification HOI policy has been paid in full received. - 02/27/24 Verification HOI policy has been paid in full received. | Funded C A |
| 900000797 | XXXX | 1049424 | 02/19/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Investor Requires BPO for to support AVM value of $XXXX. Diligence to ordered. | 02/21/2024 | Low LTV/CLTV/HCLTV - CLTV for the subject is 68.75%; Established credit history - Tradelines reported on credit date back to XXXX with no reported late payments.; | 02/19/24 BPO Order Placed. Due 02/22/24. | 02/21/24 BPO received. Value returned at $XXXX. Variance is less than 5% and w/in the acceptable 10% tolerance range. - 02/21/24 BPO received. Value returned at $XXXX. Variance is less than 5% and w/in the acceptable 10% tolerance range. | Funded C A |
| 900000826 | XXXX | 1049255 | 02/19/2024 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing evidence of HOA and HOI for reo. Evidence of taxes are in file. Per property report, appears owned free and clear of liens. If no HOI or HOA a LOE from the borrower is sufficient. | 03/06/2024 | Verified housing payment history - 56 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; | 03/06/24 Verification of No HOA fees received.<br>02/27/24 Evidence of insurance for REO received. Payment of $XXX added to qualifying payments.<br>\*\*Finding partially cleared with receipt of HOI. Missing documentation to verify HOA fees if applicable. IF no HOA a LOE from the borrower is acceptable. | 03/06/24 Verification of No HOA fees received.<br>02/27/24 Evidence of insurance for reo received. Payment of $XXX added to qualifying payments. - 03/06/24 Verification of No HOA fees received.<br>02/27/24 Evidence of insurance for reo received. Payment of $XXX added to qualifying payments. | Funded C A |
| 900000826 | XXXX | 1049256 | 02/19/2024 | Credit | Final 1003 Application is Incomplete | APP 0002 | 1 | Closed | Final 1003 does not disclose additional REO owned by the borrowers documented in file located at XXXX. | 02/27/2024 | Verified housing payment history - 56 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; |  | 02/27/24 Updated 1003 including additional REO received. - 02/27/24 Updated 1003 including additional REO received. | Funded C A |
| 900000826 | XXXX | 1049281 | 02/19/2024 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 1 | Closed | Lease paid off at closing reflected a balance of $XXXX. Lease debt verified on credit report reflected a high credit of $XXXX with a balance of $XXXX. The debt paid off with $XXXX balance was not verified. And, unclear if debt ending #XXXX with $XXX payment should have been considered in total DTI. | 03/27/2024 | Verified housing payment history - 56 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; | 3/19/2024 - Attached documentation is insufficient to satisfy the exception. Missing copy of the original lease agreement and payoff to verify to XXXX with high credit of $xxxx is the same liability paid at closing with balance of $xxxxx. CRED 0086 Exception Remains;<br>03/13/24 Supplement for XXXX A/# XXXX verified XX/XX/XX received. Supplement provided reflects High Credit of $XXXX loan was paid in full and closed XX/XX/XX.<br>\*\*\*\*Finding remains, XXXX lease debt verified on credit report reflected a high credit of $XXXX with a balance of $XXXX. The debt paid off with $XXXX balance was not verified. And, unclear if XXXX ending #XXXX with $XXX payment should have been considered in total DTI.<br>03/11/24 Credit supplement for XXX A/# ending in XXXX received. Debt reflects an open date of XX/XX, DLA XX/XX, high credit $XXXX.<br>\*\*Finding remains, missing payoff statement for XXXX A/# XXXX with to verify payoff balance of $XXXX. Per the CBR dated XX/XX/XX the outstanding balance was $XXXX. | 03/27/24 Bill of Sale reflecting a sales price of $XXXX received. Account verified as paid in full for lease/purchase. PC Credit report confirmed no new debt. - 03/27/24 Bill of Sale reflecting a sales price of $XXXX received. Account verified as paid in full for lease/purchase. PC Credit report confirmed no new debt. | Funded C A |
| 900000826 | XXXX | 1050118 | 02/27/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | ADDED 02/27/24 - Review updated DTI with the addition of HOI expenses for XXXX is 46.27%. Max allowed DTI 45%. | 04/01/2024 | Verified housing payment history - 56 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; |  | 04/01/24 Income for B2 reviewed and updated. Final DTI 43.36%. - 04/01/24 Income for B2 reviewed and updated. Final DTI 43.36%. | Funded C A |
| 900000801 | XXXX | 1048978 | 02/15/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan Approval not in file., only an unsigned 1008 was provided. | 02/21/2024 | Verified reserves - The borrower is receiving cash out equal to 12.28 months PITIA reserves. Only 2 months required.; Established credit history - Tradelines reported on credit date back to XXXX with no reported lates.; |  | 02/24/24 Approval received. - 02/24/24 Approval received. | Funded D A |
| 900000801 | XXXX | 1048981 | 02/15/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Final CD dated XX/XX/XX reflects a disbursement date of XX/XX/XX which is the same as the expiration date on the ROR. | 02/23/2024 | Verified reserves - The borrower is receiving cash out equal to 12.28 months PITIA reserves. Only 2 months required.; Established credit history - Tradelines reported on credit date back to XXXX with no reported lates.; | 02/21/24 Final HUD received. Disbursement date XX/XX/XX. Missing copy of PC CD with updated disbursement / interest from date of XX/XX/XX. | 02/23/24 Final HUD and PC CD verifying actual disbursement dated of XX/XX/XX received. - 02/23/24 Final HUD and PC CD verifying actual disbursement dated of XX/XX/XX received. | Funded C A |
| 900000801 | XXXX | 1049216 | 02/16/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing sufficient documentation to calculate income including all XXXX income documentation from current and previous employer. The written VOE for the current employer (since XX/XX/XX) does not include the Gross Earnings Breakdown Only a list of the two paystubs earned year to date is provided, along with the first XXXX paystub through XX/XX/XX. The paystub does not indicate the period it covers, only the end date. The WVOE also doesn't provide this information but appears to be weekly based on the paystub dates listed. Unable to determine the average income for the current employer. The only XXXX income documentation provided is from previous employer. XXXX income for previous employer 2 (employed through XX/XX/XX) is also not documented. XXXX W2s would have been available at the time of closing, but there are none in the file. No alternative documentation, such as year end paystubs or written VOE located. | 02/23/2024 | Verified reserves - The borrower is receiving cash out equal to 12.28 months PITIA reserves. Only 2 months required.; Established credit history - Tradelines reported on credit date back to XXXX with no reported lates.; |  | 2/23/24 - XXXX income documentation including W2s from current and previous employers recd. - 2/23/24 - XXXX income documentation including W2s from current and previous employers recd. | Funded C A |
| 900000801 | XXXX | 1049219 | 02/16/2024 | Credit | Missing Documentation or Proof of ATR Underwriting Factors | QMATR 0016 | 1 | Closed | Prior year income is not sufficiently documented. See CRED 0082. Average income cannot be calculated as only 2 weeks income for the current employer is documented. | 02/23/2024 | Verified reserves - The borrower is receiving cash out equal to 12.28 months PITIA reserves. Only 2 months required.; Established credit history - Tradelines reported on credit date back to XXXX with no reported lates.; |  | 2/23/24 - XXXX income documentation including W2s from current and previous employers recd. - 2/23/24 - XXXX income documentation including W2s from current and previous employers recd. | Funded C A |
| 900000801 | XXXX | 1049426 | 02/19/2024 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing a copy of the final settlement statement from the closing agent. | 02/21/2024 | Verified reserves - The borrower is receiving cash out equal to 12.28 months PITIA reserves. Only 2 months required.; Established credit history - Tradelines reported on credit date back to XXXX with no reported lates.; |  | 02/21/24 Final HUD received. Disbursement date XX/XX/XX. - 02/21/24 Final HUD received. Disbursement date XX/XX/XX. | Funded D A |
| 900000828 | XXXX | 1049272 | 02/19/2024 | Compliance | Calculated Amortized Term does not match Term of Note | CRED 0070 | 1 | Closed | The Note reflects incorrect P&I payment. Note reflects P&I of $XXXX. Loan amount of $XXXX amortized over 360 payments at interest rate XXX% results in P&I $XXXX. | 03/22/2024 | Verified employment history - Both borrowers have been with their current employer more than 5 years. ; Verified reserves - Borrowers will receive 19.17 months PITIA from cash out proceeds. No reserves required for this transaction.; |  | 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate. - 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate. | Funded C A |
| 900000828 | XXXX | 1049317 | 02/19/2024 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 1 | Closed |  | 03/22/2024 | Verified employment history - Both borrowers have been with their current employer more than 5 years. ; Verified reserves - Borrowers will receive 19.17 months PITIA from cash out proceeds. No reserves required for this transaction.; | FINDING IS UNDER REVIEW | 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate. - 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate. | Funded C A |
| 900000828 | XXXX | 1049318 | 02/19/2024 | Compliance | Corrected Closing Disclosure No Later Than 3 Business Days Before Consummation (Inaccurate Loan Product) | TRID 0004 | 1 | Closed | The final CD dated XX/XX/XX reflects incorrect P&I payment. CD reflects P&I of $XXXX. Loan amount of $XXXX amortized over 360 payments at interest rate XXXX% results in P&I $XXXX. -- | 03/22/2024 | Verified employment history - Both borrowers have been with their current employer more than 5 years. ; Verified reserves - Borrowers will receive 19.17 months PITIA from cash out proceeds. No reserves required for this transaction.; |  | 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate. - 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate. | Funded C A |
| 900000828 | XXXX | 1049319 | 02/19/2024 | Compliance | Last Closing Disclosure Total Interest Percentage (TIP) > System Calculated | TRID 0078 | 1 | Closed | 3.041 TIP variance is due to incorrect P&I disclosed in the final CD. CD reflects P&I of $XXXX. Loan amount of $XXXX amortized over 360 payments at interest rate XXX% results in P&I $XXXX. -- | 03/22/2024 | Verified employment history - Both borrowers have been with their current employer more than 5 years. ; Verified reserves - Borrowers will receive 19.17 months PITIA from cash out proceeds. No reserves required for this transaction.; | FINDING IS UNDER REVIEW | 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate. No TIP violation. - 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate. No TIP violation. | Funded C A |
| 900000828 | XXXX | 1049324 | 02/19/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified employment history - Both borrowers have been with their current employer more than 5 years. ; Verified reserves - Borrowers will receive 19.17 months PITIA from cash out proceeds. No reserves required for this transaction.; |  | Client: EV2 Non-Material | Funded C B |
| 900000828 | XXXX | 1049432 | 02/19/2024 | Compliance | Missing Evidence of Initial Disclosure(s) | TRID 0187 | 2 | Acknowledged | The credit score disclosures provided to the borrowers are inaccurate. Per the credit report, credit scores were returned from all three bureaus, but the disclosures reflect no score returned from TransUnion or Equifax. Only the mid-scores were disclosed. |  | Verified employment history - Both borrowers have been with their current employer more than 5 years. ; Verified reserves - Borrowers will receive 19.17 months PITIA from cash out proceeds. No reserves required for this transaction.; |  | Client: EV2 Non-Material | Funded C B |
| 900000828 | XXXX | 1049433 | 02/19/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 2 | Acknowledged | XXXX and XXX income used for income history, XXXX W2 transcripts not in file. Investor approved exception. |  | Verified employment history - Both borrowers have been with their current employer more than 5 years. ; Verified reserves - Borrowers will receive 19.17 months PITIA from cash out proceeds. No reserves required for this transaction.; |  | Client: Investor acknowledged exception to waive XXXX Wage & Income transcripts. | Funded C B |
| 900000828 | XXXX | 1049437 | 02/19/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | The approval documents reflect the wrong P&I of XXXX, P&I based on the loan terms is $XXXX. Unable to determine the source of the P&I used. | 04/03/2024 | Verified employment history - Both borrowers have been with their current employer more than 5 years. ; Verified reserves - Borrowers will receive 19.17 months PITIA from cash out proceeds. No reserves required for this transaction.; | 02/27/24 Duplicate copy of the loan approval reflecting the incorrect P&I received.<br>\*\*Finding remains pending receipt of corrected approval / 1008. Actual P&I based on loan amount of $XXXX and Rate of XXX% is $XXXX. | 04/03/24 Finding cleared, Error identified in diligence submission. P&I is accurate. - 04/03/24 Finding cleared, Error identified in diligence submission. P&I is accurate. | Funded C A |
| 900000798 | XXXX | 1049490 | 02/20/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing final UW Approval and 1008 with the corrected LTV and CLTV. The figures on the documents in the file are based on the current appraised value, however since the property was purchased less than 12 months ago the purchase price - $XXXX per the appraisal is to be used for LTV and CLTV calculation. | 02/22/2024 | Low DTI - DTI is 27%, maximum is 45%.; Low LTV/CLTV/HCLTV - CLTV is 57.42%, maximum 85%; Verified credit history - Credit score 773, minimum required 680; |  | 02/22/24 Updated 1008 and approval received. - 02/22/24 Updated 1008 and approval received. | Funded C A |
| 900000798 | XXXX | 1049491 | 02/20/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing secondary appraisal review product. SSR scores for the appraisal exceed 2.5. | 02/20/2024 | Low DTI - DTI is 27%, maximum is 45%.; Low LTV/CLTV/HCLTV - CLTV is 57.42%, maximum 85%; Verified credit history - Credit score 773, minimum required 680; |  | 02/20/24 AVM received. Value returned at $XXXX. Variance of -5.04% is w/in acceptable tolerance of 10% - 02/20/24 AVM received. Value returned at $XXXX. Variance of -5.04% is w/in acceptable tolerance of 10% | Funded C A |
| 900000798 | XXXX | 1049519 | 02/20/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Recording fees increased from $214 to $256.50 which is more than 10% from the initial Loan Estimate. There is a COC form in the file dated xx/xx/xx, however no reason valid reason disclosed on the COC for the increase. |  | Low DTI - DTI is 27%, maximum is 45%.; Low LTV/CLTV/HCLTV - CLTV is 57.42%, maximum 85%; Verified credit history - Credit score 773, minimum required 680; | 03/06/24 Proof of delivery received.<br>2/27/2024 - Recd PCCD, LOE, refund check, and courier tracking slip. Exception can be overridden to EV2 upon receipt of evidence of delivery to borrower completed within 60 days from discovery. Tracking reflects package has not yet been delivered. TRID 0124 Exception Remains; | Client: EV2 Post-Closing Corrective Action- PCCD, LOE, refund check, and proof of trackable delivery received. | Funded C B |
| 900000809 | XXXX | 1049886 | 02/23/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Review is pending receipt of BPO as required by investor. | 02/26/2024 | Verified housing payment history - 50+ mths of mtg history verified 0x30 per CBR.; | 02/24/2024 - Recd 3rd Party BPO; value supports the original appraisal value with -4.8% variance. APPR 0046 Exception Cleared;<br>02/23/24 BPO order placed. Due 02/28/24. | 02/24/2024 - Recd 3rd Party BPO; value supports the original appraisal value with -4.8% variance. APPR 0046 Exception Cleared; - 02/24/2024 - Recd 3rd Party BPO; value supports the original appraisal value with -4.8% variance. APPR 0046 Exception Cleared; | Funded C A |
| 900000809 | XXXX | 1049907 | 02/23/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Final CD dated 02/15/24 disclosed Estimated Taxes, Ins, & Assessments of $XXX w/ Estimated Property Costs over Year 1 of $XXX (11mths). Review is pending verification of subject HOA dues to verify. | 03/13/2024 | Verified housing payment history - 50+ mths of mtg history verified 0x30 per CBR.; |  | 03/13/24 Verification of subject HOA fees received. Review confirmed lender disclosure was accurate. - 03/13/24 Verification of subject HOA fees received. Review confirmed lender disclosure was accurate. | Funded C A |
| 900000809 | XXXX | 1049909 | 02/23/2024 | Credit | HOA Payment is not verified | CRED 0133 | 1 | Closed | Missing verification of subject HOA dues. Review used XXX per month per the PCR. 1008 reflects $XX per month was used to qualify. | 03/13/2024 | Verified housing payment history - 50+ mths of mtg history verified 0x30 per CBR.; |  | 03/13/24 Screen print that verifies semi-annual assessments-pool access of $XXX received. Print out verifies payments made XX/XX/XX and XX/XX/XX. - 03/13/24 Screen print that verifies semi-annual assessments-pool access of $XXX received. Print out verifies payments made XX/XX/XX and XX/XX/XX. | Funded C A |
| 900000804 | XXXX | 1050248 | 02/28/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated XX/XX/XX disclosed Estimated Taxes, Ins, & Assessments of $XX with Estimated Property Costs over Year 1 of XXXX (11 mths). Review calculated Estimated Taxes, Ins, & Assessments of $XXX with Estimated Property Costs over Year 1 of $XXXX. (HOI $XX / Taxes $XX). |  |  |  | Client: EV2 Post-Closing Corrective Action- LOE and PCCD reflecting corrected Estimated Taxes, Ins, & Assessments received 03/07/24. | Funded C B |
| 900000803 | XXXX | 1050391 | 03/01/2024 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 1 | Closed | Missing copy of most recent statement for credit account ending in XXXX to verify payoff amount of $XXXX was sufficient to pay the account balance in full. Balance on Credit report dated XX/XX/XX $XXXX. | 03/06/2024 |  | 03/06/24 Statement ending 02/23/24 received reflecting a current balance of $XXXX. Payment of $XXXX left an outstanding balance of $XXX. Review added payment of $XX to liabilities (5% of remaining balance). Review updated DTI 43.17%, max allowed 45%.<br>| 03/06/24 Statement ending 02/23/24 received reflecting a current balance of $XXXX. Payment of $XXXX left an outstanding balance of $XXX. Review added payment of $XX to liabilities (5% of remaining balance). Review updated DTI 43.17%, max allowed 45%. - 03/06/24 Statement ending 02/23/24 received reflecting a current balance of $XXXX. Payment of $XXXX left an outstanding balance of $XXX. Review added payment of $XX to liabilities (5% of remaining balance). Review updated DTI 43.17%, max allowed 45%. | Funded C A |
| 900000796 | XXXX | 1050691 | 03/04/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser include an executed certification stating the appraisal was prepared in accordance Title XI of FIRREA and any implementing regulations. |  | Net tangible benefit - Borrowers paid off $xxx in consumer debt with subject transaction eliminating $xx in monthly payments.; Verified housing payment history - 47 months of verified combined housing payment history paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000870 | XXXX | 1050507 | 03/04/2024 | Compliance | Calculated Amortized Term does not match Term of Note | CRED 0070 | 1 | Closed | Note states payment of $XXX for 360 months. Calculated payment based on loan amount of $XXX, Interest Rate of X% amortization over 360 mths is $XXX | 04/11/2024 | Verified housing payment history - 105 combined months of housing paid 0x30 per credit report.; Verified employment history - Borrower has been employed with the same employer for 10 years. ; | 4/9/2024 - Exception is cleared with the attached corrected note. CRED 0070 Exception Cleared; | 4/9/2024 - Exception is cleared with the attached corrected note. CRED 0070 Exception Cleared; - 4/9/2024 - Exception is cleared with the attached corrected note. CRED 0070 Exception Cleared; | Funded C A |
| 900000870 | XXXX | 1050519 | 03/04/2024 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 1 | Closed | Final CD dated 02/28/24 reflects P&I of XXX. Calculated payment based on loan amount of $XXX, Interest Rate of X% amortization over 360 mths is $XXX -- | 04/26/2024 | Verified housing payment history - 105 combined months of housing paid 0x30 per credit report.; Verified employment history - Borrower has been employed with the same employer for 10 years. ; | 4/23/2024 - Exception is partially cured with the attached LOE and courier tracking slip. Delivery to borrower is scheduled XX/XX. \*\* Missing payment history showing the principal curtailment. TRID 0092 Exception Remains;<br>\*\*\*REVIEW RESULTS: This will confirm our discussion regarding the payment calculation error on this loan that resulted in the borrower signing a new Note and PCCD showing a monthly payment of $XXXX.<br>We agree with your proposed solution of applying a principal curtailment of $XXX and sending a letter to the borrower advising of such and confirming that they may continue to pay the newly disclosed payment of $XXXX. <br>Once we receive a copy of the payment history showing the principal curtailment and a copy of the letter to the borrower, that will clear the remaining level 3 findings on this loan. The only remaining active exception will be APPR 0002, which is an EV2 investor acknowledged exception.\*\*\* <br>4/9/2024 - Corrected Note, PCCD, 1008/1003, Amortization Schedule, and First Payment letter disclosed to borrower. The exception has been escalated for review. No action necessary until there has been a final determination. TRID 0092 Exception Remains;<br>UNDER REVIEW<br>3/19/2024 - Recd PCCD, corrected 1008/1003, Amortization Schedule, and First Payment Letter. Still missing LOE for PCCD, corrected Note and reopened rescission. TRID 0092 Exception Remains; | 4/26/2024; received copy of payment history showing principal curtailment for $XXX. LOE to borrower previously verified. Exception cleared TPR Error. - 4/26/2024; received copy of payment history showing principal curtailment for $XXX. LOE to borrower previously verified. Exception cleared TPR Error. | Funded C A |
| 900000870 | XXXX | 1050520 | 03/04/2024 | Compliance | Last Closing Disclosure Total Interest Percentage (TIP) > System Calculated | TRID 0078 | 1 | Closed | Final CD dated XX/XX/XX reflects P&I of XXX. Calculated payment based on loan amount of $XXXX, Interest Rate of X% amortization over 360 mths is $XX -- | 04/26/2024 | Verified housing payment history - 105 combined months of housing paid 0x30 per credit report.; Verified employment history - Borrower has been employed with the same employer for 10 years. ; | \*\*\*REVIEW RESULTS: This will confirm our discussion regarding the payment calculation error on this loan that resulted in the borrower signing a new Note and PCCD showing a monthly payment of $XXXX.<br>We agree with your proposed solution of applying a principal curtailment of $XXX and sending a letter to the borrower advising of such and confirming that they may continue to pay the newly disclosed payment of $XXX. <br>Once we receive a copy of the payment history showing the principal curtailment and a copy of the letter to the borrower, that will clear the remaining level 3 findings on this loan. The only remaining active exception will be APPR 0002, which is an EV2 investor acknowledged exception.\*\*\* <br>4/9/2024 - Corrected Note, PCCD, 1008/1003, Amortization Schedule, and First Payment letter disclosed to borrower. The exception has been escalated for review. No action necessary until there has been a final determination. TRID 0078 Exception Remains; | 4/26/2024; received copy of payment history showing principal curtailment for $360. LOE to borrower previously verified. Exception cleared TPR Error. - 4/26/2024; received copy of payment history showing principal curtailment for $360. LOE to borrower previously verified. Exception cleared TPR Error. | Funded C A |
| 900000870 | XXXX | 1050778 | 03/05/2024 | Property | Appraisal is Incomplete | APPR 0002 | 2 | Acknowledged | Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. File contains a AVM effective XX/XX/XX and separate Exterior PCI- Property Condition Inspection XX/XX/XX. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) Must be an approved AVM provider. |  | Verified housing payment history - 105 combined months of housing paid 0x30 per credit report.; Verified employment history - Borrower has been employed with the same employer for 10 years. ; |  | Client: Investor acknowledged exception for separate AVM and PCI. | Funded C B |
| 900000855 | XXXX | 1050681 | 03/04/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Underwriter Loan Approval, only an unsigned 1008 was in the file. | 03/19/2024 | Established credit history - Open and active tradelines date back to XXXX without any late payments. ; Verified credit history - Credit score 807, minimum required 680; Low DTI - DTI is 24.94%, maximum allowed 45%; | 3/18/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | 3/18/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; - 3/18/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | Funded D A |
| 900000855 | XXXX | 1050683 | 03/04/2024 | Credit | Missing Inter Vivos Revocable Trust Agreement | TRST 0001 | 1 | Closed | Missing copy of the XXX Trust dated XX/XX/XX. | 04/02/2024 | Established credit history - Open and active tradelines date back to XXXX without any late payments. ; Verified credit history - Credit score 807, minimum required 680; Low DTI - DTI is 24.94%, maximum allowed 45%; | 4/2/2024 - Exception is cleared with the attached copy of the trust agreement. TRST 0001 Exception Cleared;<br>03/27/24 Copy of corrected and recorded DOT w/PUD Rider received.<br>\*\*Finding remains, Missing copy of the XXX Trust dated XX/XX/XX. | 4/2/2024 - Exception is cleared with the attached copy of the trust agreement. TRST 0001 Exception Cleared;<br>- 4/2/2024 - Exception is cleared with the attached copy of the trust agreement. TRST 0001 Exception Cleared; | Funded C A |
| 900000855 | XXXX | 1050689 | 03/04/2024 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing PUD rider to the Deed of Trust. Legal per title "Lot XXX, XXX NO. X P.U.D., a Planned Unit Development, according to the official plat thereof, on file and of record in the office of the XXXX. | 03/27/2024 | Established credit history - Open and active tradelines date back to XXXX without any late payments. ; Verified credit history - Credit score 807, minimum required 680; Low DTI - DTI is 24.94%, maximum allowed 45%; |  | 03/27/24 Copy of corrected and recorded DOT w/PUD Rider received. - 03/27/24 Copy of corrected and recorded DOT w/PUD Rider received. | Funded C A |
| 900000855 | XXXX | 1050695 | 03/04/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Estimated Property Costs over Year 1 matches the documented annual taxes and insurance, however per the title commitment the property appears to be in a PUD. Per Zillow the HOA dues are $XX/month, $XXX/year. Using this the Estimated Property Costs over Year 1 are $XXXX. |  | Established credit history - Open and active tradelines date back to XXXX without any late payments. ; Verified credit history - Credit score 807, minimum required 680; Low DTI - DTI is 24.94%, maximum allowed 45%; | 04/15/24 LOE to borrower received.<br>4/10/2024 - Recd PCCD. Exception can be overridden to EV2 upon receipt of the accompanying letter of explanation for PCCD issued 4/10. No evidence of delivery to borrower, thus US Mailbox Rule to be applied. TRID 040 Exception Remains;<br>4/3/2024 - Attached email correspondence is insufficient to satisfy the exception. CD disclosed tax, insurance, and HOA $XXXX is inaccurate. Actual tax, insurance, and HOA is $XXX with property costs over 12 months of $XXX. Missing letter of explanation and corrective CD disclosing the correct estimated tax/insurance/HOA and property costs over year 1. TRID 0204 Exception Remains;<br>3/29/2024 - Attached updated 1008/1003 is insufficient to satisfy the exception. Missing PCCD disclosing the correct estimated property costs over year 1. TRID 0204 Exception Remains;<br>3/18/2024 - Attached underwriting decision is insufficient to satisfy the exception; PUD designation by the title commitment has not been addressed. TRID 0204 Exception Remains; | Client: EV2 Post-Closing Corrective Action - 04/15/24 LOE to borrower received. 4/10/2024 - Recd PCCD. | Funded C B |
| 900000855 | XXXX | 1050702 | 03/04/2024 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | The appraisal does not indicate the property as being in a PUD as verified by title. The discrepancy is not addressed in the report.&nbsp;&nbsp;&nbsp;&nbsp; | 03/07/2024 | Established credit history - Open and active tradelines date back to XXXX without any late payments. ; Verified credit history - Credit score 807, minimum required 680; Low DTI - DTI is 24.94%, maximum allowed 45%; |  | 03/07/24 Updated appraisal reflecting the property as a PUD received. HOA information verified. - 03/07/24 Updated appraisal reflecting the property as a PUD received. HOA information verified. | Funded C A |
| 900000855 | XXXX | 1050704 | 03/04/2024 | Credit | HOA Payment is not verified | CRED 0133 | 1 | Closed | Missing verification of subject HOA dues. The property is in a PUD per title. The appraisal does not indicate the property as being in a PUD but includes PUD in the legal description. (Bank statements reflect $XX/month paid to XXX. | 03/07/2024 | Established credit history - Open and active tradelines date back to XXXX without any late payments. ; Verified credit history - Credit score 807, minimum required 680; Low DTI - DTI is 24.94%, maximum allowed 45%; |  | 03/07/24 Updated appraisal reflecting the property as a PUD received for APPR 0076 - Appraisal Discrepancy. HOA information verified with updated appraisal. - 03/07/24 Updated appraisal reflecting the property as a PUD received for APPR 0076 - Appraisal Discrepancy. HOA information verified with updated appraisal. | Funded C A |
| 900000817 | XXXX | 1050888 | 03/06/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing evidence of title confirming sufficient policy amount to cover loan amount of $XXXX. Commitment in file reflects proposed policy amount of $XXXX. | 03/12/2024 | Verified housing payment history - 70 months of combined housing history paid 0x30 per credit report.; Verified employment history - B1 has been working for the same employer for 17 years and B2 has been with same employer for 13 years. ; | 3/12/2024 - Exception is cleared with the attached updated title commitment. TITL 0013 Exception Cleared; | 3/12/2024 - Exception is cleared with the attached updated title commitment. TITL 0013 Exception Cleared; - 3/12/2024 - Exception is cleared with the attached updated title commitment. TITL 0013 Exception Cleared; | Funded C A |
| 900000811 | XXXX | 1050917 | 03/06/2024 | Compliance | Affiliated Business Disclosure Not Provided Within 3 Business Days of Application | COMP 0035 | 1 | Closed | ABD in file issued xx/xx/xx. Application Date is xx/xx/xx. | 03/13/2024 | Verified housing payment history - 78 combined months of housing history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off consumer debt totaling $xxxx with subject transaction eliminating $xxx in monthly payments. ; Income verified was not used in qualifying - B2 income supports greater earnings than used to qualify. ; |  | 03/13/24 Copy of ABD issued xx/xx/xx received. - 03/13/24 Copy of ABD issued xx/xx/xx received. | Funded B A |
| 900000811 | XXXX | 1051007 | 03/07/2024 | Compliance | Missing Initial Disclosure(s) | COMP 0006 | 1 | Closed | Missing copies of all initial disclosures provided to the borrower on xx/xx/xx. Only the LE was provided for review, all other disclosures are dated xx/xx/xx. (Disclosure tracking verifies documents were sent via US mail. | 03/13/2024 | Verified housing payment history - 78 combined months of housing history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off consumer debt totaling $xxxx with subject transaction eliminating $xxx in monthly payments. ; Income verified was not used in qualifying - B2 income supports greater earnings than used to qualify. ; |  | 03/13/24 Copies of all initial disclosures issued xx/xx/xx received. - 03/13/24 Copies of all initial disclosures issued xx/xx/xx received. | Funded C A |
| 900000799 | XXXX | 1051218 | 03/08/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations |  | Net tangible benefit - Borrowers paid off $XXXX with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 152 combined months of housing history paid 0x30 per the credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000800 | XXXX | 1051182 | 03/08/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. |  | Verified housing payment history - 49 combined months of housing history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000818 | XXXX | 1051239 | 03/08/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified reserves - Borrowers are receiving 33.01 months PITIA reserves from cash out proceeds, no reserves are required.; Verified ownership of subject property - The borrowers have owned the subject property for 26 years.; |  | Client: EV2 Non-Material | Funded C B |
| 900000818 | XXXX | 1051435 | 03/11/2024 | Credit | Missing or Incomplete 4506-T/4506-C | CRED 0095 | 1 | Closed | Missing 4506-C signed by borrower 2. Borrower 1 signed copy only covers that individual. | 03/15/2024 | Verified reserves - Borrowers are receiving 33.01 months PITIA reserves from cash out proceeds, no reserves are required.; Verified ownership of subject property - The borrowers have owned the subject property for 26 years.; | 3/14/2024 - Recd form 8821 executed by B2 at application. CRED 0095 Exception Cleared; | 3/14/2024 - Recd form 8821 executed by B2 at application. CRED 0095 Exception Cleared; - 3/14/2024 - Recd form 8821 executed by B2 at application. CRED 0095 Exception Cleared; | Funded C A |
| 900000806 | XXXX | 1051266 | 03/08/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations.<br>|  | Verified housing payment history - 73 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt eliminating $XXXX in monthly payments. ; Verified employment history - Borrower has been employed with same employer for 17 years plus. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000816 | XXXX | 1051480 | 03/11/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing updated 1008 to include the P&I from the 1st lien. Both the approval and the 1008 fail to include the P&I for the first mortgage in the HTI/DTI. <br>| 03/20/2024 | Verified reserves - Borrowers are receiving 26.60 months in PITIA reserves from the cash out proceeds, no reserves are required; Low DTI - DTI 30.77%, maximum acceptable 45%; | 3/18/2024 - Exception is cleared with the attached updated underwriting decision and 1008. APRV 0010 Exception Cleared; | 3/18/2024 - Exception is cleared with the attached updated underwriting decision and 1008. APRV 0010 Exception Cleared; - 3/18/2024 - Exception is cleared with the attached updated underwriting decision and 1008. APRV 0010 Exception Cleared; | Funded C A |
| 900000829 | XXXX | 1051498 | 03/11/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR changed within 3 days of closing from 11.289% to 11.281%, which is deemed to be a benefit to borrower. |  | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified employment history - VOE confirms 7+ years employment with present employment.; Verified credit history - Middle credit score 723 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 78.66% CLTV < 85% Max Allowed.; Low DTI - 39.68% DTI < 45% Max Allowed.; |  | Client: EV2 Non-Material Benefit to Borrower | Funded C B |
| 900000829 | XXXX | 1051501 | 03/11/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing documentation to verify the date that the rate lock was updated to XX%. File contains 2 COCs first is dated dated XX/XX/XX and give the explanation of change as reduced value, rate updated from XX% to XX%. The 2nd COC dated XX/XX/XX also reflects an explanation of change as reduced value, rate updated from XX% to XX%. Cost to borrower for rate $XXXX, APR Updated. -- | 03/28/2024 | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified employment history - VOE confirms 7+ years employment with present employment.; Verified credit history - Middle credit score 723 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 78.66% CLTV < 85% Max Allowed.; Low DTI - 39.68% DTI < 45% Max Allowed.; |  | 03/28/24 Finding cleared upon re-submission with COC. Response recd from lender: The rate increase to XX% was disclosed on the attached LE issued XX/XX. Loan points $XXXX was applicable but I was unaware loan points dropped off the system through date initial CD was issued. Loan points added back when docs ordered. Borrower agreed to pay points for the rate XX% and a revised CD issued XX/XX/XX attached to disclose points added for the rate. COC details on revised CD copied from the initial LE to support reason for loan points added. - 03/28/24 Finding cleared upon re-submission with COC. Response recd from lender: The rate increase to XX% was disclosed on the attached LE issued XX/XX. Loan points $XXXX was applicable but I was unaware loan points dropped off the system through date initial CD was issued. Loan points added back when docs ordered. Borrower agreed to pay points for the rate XX% and a revised CD issued XX/XX/XX attached to disclose points added for the rate. COC details on revised CD copied from the initial LE to support reason for loan points added. | Funded C A |
| 900000829 | XXXX | 1051502 | 03/11/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified employment history - VOE confirms 7+ years employment with present employment.; Verified credit history - Middle credit score 723 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 78.66% CLTV < 85% Max Allowed.; Low DTI - 39.68% DTI < 45% Max Allowed.; |  | Client: EV2 Non-Material | Funded C B |
| 900000829 | XXXX | 1051638 | 03/12/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XXXX Wage Transcript. Per guideline, wage and income transcripts are required for the years of qualifying income. | 04/06/2024 | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified employment history - VOE confirms 7+ years employment with present employment.; Verified credit history - Middle credit score 723 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 78.66% CLTV < 85% Max Allowed.; Low DTI - 39.68% DTI < 45% Max Allowed.; |  | 04/05/24 2022 and XXXX Wage and Income transcripts received. - 04/05/24 2022 and XXXX Wage and Income transcripts received. | Funded C A |
| 900000829 | XXXX | 1051652 | 03/12/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing completion report. Appraisal was completed as-is, however, 1/2 bath is missing the sink and the flooring on the stairs has been removed. The estimated cost to cure provided by the appraiser is $XXXX-$XXXX. | 03/25/2024 | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified employment history - VOE confirms 7+ years employment with present employment.; Verified credit history - Middle credit score 723 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 78.66% CLTV < 85% Max Allowed.; Low DTI - 39.68% DTI < 45% Max Allowed.; |  | 03/25/24 The incomplete items do not adversely affect the safety, soundness or structural integrity of the Mortgaged Premises. Additionally the cost to cure is less than 1% of the 'as completed' value of the Mortgaged Premises. - 03/25/24 The incomplete items do not adversely affect the safety, soundness or structural integrity of the Mortgaged Premises. Additionally the cost to cure is less than 1% of the 'as completed' value of the Mortgaged Premises. | Funded C A |
| 900000822 | XXXX | 1051247 | 03/08/2024 | Property | Missing Copy of Original Appraisal report | APPR 0001 | 1 | Closed | Missing Copy of Original Appraisal report. It is noted that the appraisal is required to verify if the property is fee simple or leasehold. It is also noted that the comments to clear the additional REO fraud alert reflect the subject property is two parcels including a main house and a guest house. | 03/12/2024 | Verified reserves - Using liquid assets and cash out proceeds, the borrower will have 9.66 months PITIA reserves. No reserves required. ; Low LTV/CLTV/HCLTV - CLTV is less than 60%.; | 3/12/2024 - Exception is cleared with the attached copy of the origination appraisal report. APPR 0001 Exception Cleared; | 3/12/2024 - Exception is cleared with the attached copy of the origination appraisal report. APPR 0001 Exception Cleared; - 3/12/2024 - Exception is cleared with the attached copy of the origination appraisal report. APPR 0001 Exception Cleared; | Funded D A |
| 900000822 | XXXX | 1051398 | 03/11/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Appraisal not in file, unable to review for HPML Appraisal requirements. | 03/12/2024 | Verified reserves - Using liquid assets and cash out proceeds, the borrower will have 9.66 months PITIA reserves. No reserves required. ; Low LTV/CLTV/HCLTV - CLTV is less than 60%.; | 3/12/2024 - Exception is cleared with the attached copy of the origination appraisal report. APPR 0044 Exception Cleared; | 3/12/2024 - Exception is cleared with the attached copy of the origination appraisal report. APPR 0044 Exception Cleared; - 3/12/2024 - Exception is cleared with the attached copy of the origination appraisal report. APPR 0044 Exception Cleared; | Funded C A |
| 900000813 | XXXX | 1050956 | 03/07/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Lender Approval missing from file. 1008 in file. | 03/08/2024 | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in monthly payments.; Verified housing payment history - 106 combined months of housing history paid 0x30 per credit report. ; |  | 03/08/24 Lender loan approval received. - 03/08/24 Lender loan approval received. | Funded D A |
| 900000813 | XXXX | 1050963 | 03/07/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in monthly payments.; Verified housing payment history - 106 combined months of housing history paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000813 | XXXX | 1051057 | 03/07/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | 2.95% DTI exception. Review DTI of 47.95% exceeds max LRC guideline allowed of 45%. Lender 1008 reflects 49.85%. No evidence of Investor granted exception. |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in monthly payments.; Verified housing payment history - 106 combined months of housing history paid 0x30 per credit report. ; | 03/14/24 Email recd from investor, 2.95% DTI exception is acknowledged and accepted. | Client: Investor Acknowledged Exception | Funded C B |
| 900000813 | XXXX | 1051060 | 03/07/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in monthly payments.; Verified housing payment history - 106 combined months of housing history paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000802 | XXXX | 1051048 | 03/07/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified employment history - Both borrowers have been with their current employer more than 5 years.; Low DTI - DTI 32.83%, maximum allowed 45%; |  | Client: EV2 Non-Material | Funded C B |
| 900000821 | XXXX | 1051042 | 03/07/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | The loan policy includes a survey exception. No survey in the file. | 03/20/2024 | Verified reserves - Borrowers are receiving 21.19 months reserves from cash out proceeds, no reserves required ; Verified credit history - Credit score is 740, minimum required 700; | 3/19/2024 - Recd response from settlement agent, "Unfortunately, since XX is not a survey requirement for (settlement agent) we do not have a survey affidavit for this state. Our affidavits are state specific for the states we require the affidavit. We would be happy to assist in getting one signed but it would need to be provided to us". \*\* Settlement agent confirmed requirement for survey affidavits are state specific, thus exception cleared. TITL 0014 Exception Cleared;<br>03/08/24 Recd from lender: Survey endorsement not required for Junior Lien policy.<br>\*\*Finding remains, missing copy of final policy or Survey Affidavit. | 3/19/2024 - Recd response from settlement agent, "Unfortunately, since XX is not a survey requirement for (settlement agent) we do not have a survey affidavit for this state. Our affidavits are state specific for the states we require the affidavit. We would be happy to assist in getting one signed but it would need to be provided to us". \*\* Settlement agent confirmed requirement for survey affidavits are state specific, thus exception cleared. TITL 0014 Exception Cleared; - 3/19/2024 - Recd response from settlement agent, "Unfortunately, since XX is not a survey requirement for (settlement agent) we do not have a survey affidavit for this state. Our affidavits are state specific for the states we require the affidavit. We would be happy to assist in getting one signed but it would need to be provided to us". \*\* Settlement agent confirmed requirement for survey affidavits are state specific, thus exception cleared. TITL 0014 Exception Cleared; | Funded C A |
| 900000821 | XXXX | 1051043 | 03/07/2024 | Credit | Missing Required Property Title Search | TITL 0009 | 1 | Closed | The file does not include the title commitment/preliminary title report. The loan policy does not address the type of ownership. Per the appraisal, the subject is fee simple. | 03/08/2024 | Verified reserves - Borrowers are receiving 21.19 months reserves from cash out proceeds, no reserves required ; Verified credit history - Credit score is 740, minimum required 700; |  | 03/08/24 Cleared, appraisal used to verify property is not leasehold. Jr Alta policy acceptable per guidelines. - 03/08/24 Cleared, appraisal used to verify property is not leasehold. Jr Alta policy acceptable per guidelines. | Funded C A |
| 900000827 | XXXX | 1051742 | 03/12/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 2 | Acknowledged | ROR expiration date is the same as the disbursement date. Recession period to be re-opened to allow borrower's 3 business days. |  | Net tangible benefit - Borrowers paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified employment history - B1 has been on job with employer for 29 years plus and B2 has been with same employer for 17 years plus. ; Verified housing payment history - 93 combined months of housing history paid 0x30 per credit report. ; | 4/2/2024 - Reopened rescission period expired XX/XX/XX. ROR 0009 Exception Overridden to EV2;<br>XX/XX/XX ROR dated XX/XX/XX with an expiration date of XX/XX/XX received. Finding can be downgraded to an EV2 once the recession period expires. | Client: 4/2/2024 - Reopened rescission period expired XX/XX/XX. ROR 0009 Exception Overridden to EV2; | Funded C B |
| 900000848 | XXXX | 1051644 | 03/12/2024 | Credit | Missing Divorce Decree and/or Separation Agreement | DD 0001 | 1 | Closed | Missing copy of Divorce Decree with XXXX to verify no Alimony or Child support obligations. Per title search case was filed XX/XX/XX. 1003 disclosed 4 dependents. | 04/17/2024 | Verified employment history - Borrower has been employed with same employer for 16 years plus.; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 98 combined months of housing history paid 0x30 per credit report. ; | 04/17/27 LOE from borrower received. Borrower has 3 biological children and does not pay any child support. LOEs from biological mothers received confirming the same. Updated 1003 also received with number of dependents updated.<br>04/15/24 LOE received confirming no child support for youngest child XXXX.<br>\*\*Finding remains, pending verification for 4th child.<br>04/03/24 LOE from borrower received " I don't have child support for my two youngest children. We split 50/50 since we co-parent well, we don't feel the need to go through child support.<br> \*\*Finding remains, missing 3rd party verification of no child support. Is there a divorce decree or LOE from the co-parent?<br>3/25/2024 - Exception is partially cleared with the attached settlement agreement confirming borrower is not obligated to pay alimony (XXXX) or child support (XXX and XXX). \*\* Borrower has 2 minor children not identified in the attached agreement. Missing documentation to evidence borrower is not liable for child support payments for 2 youngest minor children (ages X,X and/or alimony, if applicable. It is unknown if the borrower remarried and/or divorced since the separation agreement (XXX) was approved on XX/XX/XX. DD 0001 Exception Remains; | 04/17/27 LOE from borrower received. Borrower has 3 biological children and does not pay any child support. LOEs from biological mothers received confirming the same. Updated 1003 also received with number of dependents updated. - 04/17/27 LOE from borrower received. Borrower has 3 biological children and does not pay any child support. LOEs from biological mothers received confirming the same. Updated 1003 also received with number of dependents updated. | Funded C A |
| 900000848 | XXXX | 1051646 | 03/12/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | XXXX properties are not permitted per guidelines. |  | Verified employment history - Borrower has been employed with same employer for 16 years plus.; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 98 combined months of housing history paid 0x30 per credit report. ; |  | Client: Investor Acknowledged Exception (Pre-close) | Funded C B |
| 900000848 | XXXX | 1051655 | 03/12/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations |  | Verified employment history - Borrower has been employed with same employer for 16 years plus.; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 98 combined months of housing history paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000810 | XXXX | 1051758 | 03/13/2024 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Missing copy of current HOI policy. Policy deck page provided reflects an expiration prior to the first payment. | 03/26/2024 | Verified employment history - B1 has been employed with current employer for 7 plus years. ; Net tangible benefit - Borrowers paid off $xxxx in consumer debt along with existing 2nd lien of $xxxx with subject transaction eliminating $xxxx in total payments. ; Verified housing payment history - 126 combined months of housing history paid 0x30 per the credit report. Prior Home Equity history also paid 0x30 per credit report. ; | 3/6/2024 - Exception re-reviewed and cleared; Binder in file "Special Conditions" section reflects policy period from 1/21/24-2/21/25 and premium paid in full. INS 0001 Exception Cleared;<br>03/25/24 Duplicate copy of HOI policy which expired 03/09/24 received. Missing copy of current HOI policy the the current one expired prior to the first payment date. | 3/6/2024 - Exception re-reviewed and cleared; Binder in file "Special Conditions" section reflects policy period from xx/xx/xx-xx/xx/xx and premium paid in full. INS 0001 Exception Cleared;<br>- 3/6/2024 - Exception re-reviewed and cleared; Binder in file "Special Conditions" section reflects policy period from xx/xx/xx-xx/xx/xx and premium paid in full. INS 0001 Exception Cleared; | Funded C A |
| 900000810 | XXXX | 1051777 | 03/13/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified employment history - B1 has been employed with current employer for 7 plus years. ; Net tangible benefit - Borrowers paid off $xxxx in consumer debt along with existing 2nd lien of $xxxx with subject transaction eliminating $xxxx in total payments. ; Verified housing payment history - 126 combined months of housing history paid 0x30 per the credit report. Prior Home Equity history also paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000810 | XXXX | 1052005 | 03/14/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | 5% DTI exception. Review DTI of 50% exceeds the max allowed of 45% per the (investor) guideline. Lender requested a DTI exception got 45.529% ; however, actual calculated is 50%. Variance is due to calculation of negative rental income on REO property owned. | 03/26/2024 | Verified employment history - B1 has been employed with current employer for 7 plus years. ; Net tangible benefit - Borrowers paid off $xxxx in consumer debt along with existing 2nd lien of $xxxx with subject transaction eliminating $xxxx in total payments. ; Verified housing payment history - 126 combined months of housing history paid 0x30 per the credit report. Prior Home Equity history also paid 0x30 per credit report. ; | 3/26/2024 - Exception set in error. Taxes and insurance are escrowed; DTI < 45% excluding Tax and Insurance that is escrowed with the mortgage for non-subject REO. CRED 0004 Exception Cleared; | 3/26/2024 - Exception set in error. Taxes and insurance are escrowed; DTI < 45% excluding Tax and Insurance that is escrowed with the mortgage for non-subject REO. CRED 0004 Exception Cleared; - 3/26/2024 - Exception set in error. Taxes and insurance are escrowed; DTI < 45% excluding Tax and Insurance that is escrowed with the mortgage for non-subject REO. CRED 0004 Exception Cleared; | Funded C A |
| 900000825 | XXXX | 1051932 | 03/13/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified employment history - Borrower has been employed with same employer for 19 plus years.; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXXX in total monthly debt. ; Verified housing payment history - 126 combined months of housing payments made 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000824 | XXXX | 1052166 | 03/15/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing complete copy of Debt Collection letter signed by Attorney. Letter appears to be missing the initial pages. Unable to determine what debt was referenced. | 04/02/2024 | Verified employment history - Borrower has been employed with current employer for 6 years plus.; Verified housing payment history - 155 combined months of housing paid 0x30 per credit report. ; | 3/29/2024 - Exception is cleared with the attached copy of pg1 HOA judgement payoff. CRED 0093 Exception Cleared; | 3/29/2024 - Exception is cleared with the attached copy of pg1 HOA judgement payoff. CRED 0093 Exception Cleared; - 3/29/2024 - Exception is cleared with the attached copy of pg1 HOA judgement payoff. CRED 0093 Exception Cleared; | Funded C A |
| 900000824 | XXXX | 1052341 | 03/15/2024 | Compliance | Missing proof that all title holders received a copy of the Final CD at or prior to closing | TRID 0188 | 1 | Closed | Review is pending receipt of the QCD to verify that title holder was removed from title and thus not required to receive CD/ROR. | 04/02/2024 | Verified employment history - Borrower has been employed with current employer for 6 years plus.; Verified housing payment history - 155 combined months of housing paid 0x30 per credit report. ; | 3/29/2024 - "Based on the divorce decree in the file the property was awarded to our borrower." \*\* No exception cleared. Quit Claim Deed in file is not executed by. Missing complete copy of fully executed the Quit Claim Deed completed at closing. TRID 0188 Exception Remains; | 03/25/24 Copy of recorded QCD received. - 03/25/24 Copy of recorded QCD received. | Funded C A |
| 900000824 | XXXX | 1052342 | 03/15/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing copy of fully executed Quit Claim Deed by title holder granting property solely to the borrower. QCD in file was executed by the borrower only. | 03/25/2024 | Verified employment history - Borrower has been employed with current employer for 6 years plus.; Verified housing payment history - 155 combined months of housing paid 0x30 per credit report. ; |  | 03/25/24 Copy of recorded QCD received. - 03/25/24 Copy of recorded QCD received. | Funded C A |
| 900000814 | XXXX | 1052437 | 03/18/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | 1.94%% DTI exception. Review DTI is 46.94%%. Lender 1008 DTI is 44.764%. Variance is in liabilities. | 03/26/2024 | Net tangible benefit - Borrowers paid off $xxxx in consumer debt with subject transaction eliminating $xxx in total monthly payments.; Verified housing payment history - 75 months combined housing payments paid 0x30 per credit report. ; | 3/26/2024 - Exception set in error; DTI < 45% with installment tradeline < 10 Mos excluded. CRED 0004 Exception Cleared; | 3/26/2024 - Exception set in error; DTI < 45% with installment tradeline < 10 Mos excluded. CRED 0004 Exception Cleared; - 3/26/2024 - Exception set in error; DTI < 45% with installment tradeline < 10 Mos excluded. CRED 0004 Exception Cleared; | Funded C A |
| 900000850 | XXXX | 1052729 | 03/20/2024 | Compliance | Mortgage/Deed of Trust is not Recorded | DEED 0005 | 1 | Closed | Missing copy of recorded mortgage/DOT or copy of the lenders closing instructions to the settlement agent to verify the requirement to record. | 04/15/2024 | Verified employment history - Borrower has been employed with current employer for 16 plus years.; Income verified was not used in qualifying - Borrower has history of earning overtime and other pay that was not considered in qualifying. Earning amount varies year to year but history of earnings is established. ; Verified housing payment history - 69 combined months of housing history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt totaling $XXX with subject transaction eliminating $XXX in monthly payments. ; | 04/09/24 Copy of recorded mtg for the first lien received. <br>\*\*Finding remains, Missing copy of recorded mortgage/DOT or copy of the lenders "Instructions to Escrow/Title/Closing Agentto verify the requirement to record. <br>03/27/24 Addendum to the Lender's closing instructions received.<br>\*\*Finding remains, Missing copy of recorded mortgage/DOT or copy of the lenders closing instructions to the settlement agent to verify the requirement to record. | 04/15/24 Copy of recorded DOT received. - 04/15/24 Copy of recorded DOT received. | Funded C A |
| 900000850 | XXXX | 1052746 | 03/20/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified employment history - Borrower has been employed with current employer for 16 plus years.; Income verified was not used in qualifying - Borrower has history of earning overtime and other pay that was not considered in qualifying. Earning amount varies year to year but history of earnings is established. ; Verified housing payment history - 69 combined months of housing history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt totaling $XXX with subject transaction eliminating $XXX in monthly payments. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000844 | XXXX | 1052671 | 03/19/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. Only the Suspense notice and 1008 were provided for review. | 03/27/2024 | Verified housing payment history - 160 combined months of housing history paid 0x30 per credit report. ; Conservative use of credit - Borrowers have no open installment debts and three total open and active revolving accounts in addition to the mortgage account. Two of the three revolving account balances were paid off with the subject transaction. The account remaining active with a balance after closing has a 99 month history paid 0x30. ; Verified reserves - 89 months reserves verified after closing when guidelines did not require any. ; |  | 03/27/24 Lender loan approval received. - 03/27/24 Lender loan approval received. | Funded D A |
| 900000920 | XXXX | 1052873 | 03/21/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified housing payment history - 122 months of combined mortgage history paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Approved C B |
| 900000920 | XXXX | 1052902 | 03/21/2024 | Property | Missing Appraiser License | APPR 0043 | 1 | Closed | Missing copy of Appraiser License to confirm active. Per signature line, number is XXXX and expiration date is XX/XX/XX. | 03/25/2024 | Verified housing payment history - 122 months of combined mortgage history paid 0x30 per credit report. ; |  | 03/25/24 Appraiser license lookup received. - 03/25/24 Appraiser license lookup received. | Approved C |
| 900000920 | XXXX | 1052950 | 03/21/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing FNMA/FHLMC SSR reports. | 03/25/2024 | Verified housing payment history - 122 months of combined mortgage history paid 0x30 per credit report. ; |  | 03/25/24 AVM received. - 03/25/24 AVM received. | Approved C |
| 900000832 | XXXX | 1052775 | 03/20/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lenders loan approval. Only the 1008 was provided. | 03/25/2024 | Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified housing payment history - 104 combined months of housing payments paid 0x30 per credit report. ; Verified employment history - Long term employment history for borrower verified.; |  | 03/25/24 Loan approval received. - 03/25/24 Loan approval received. | Funded D A |
| 900000832 | XXXX | 1052779 | 03/20/2024 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing copy of the final settlement statement to verify the disbursement date. Only the estimate was provided. Final CD dated XX/XX/XX reflects a disbursement date of XX/XX/XX which is the same date as the ROR expiration date | 04/06/2024 | Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified housing payment history - 104 combined months of housing payments paid 0x30 per credit report. ; Verified employment history - Long term employment history for borrower verified.; | 04/03/24 Final settlement statement received. Disbursement date of XX/XX/XX verified. Missing final CD reflecting the actual disbursement date with corrected interest from date. | 04/03/24 Final settlement statement received. Disbursement date of XX/XX/XX verified. - 04/03/24 Final settlement statement received. Disbursement date of XX/XX/XX verified. | Funded D A |
| 900000832 | XXXX | 1052783 | 03/20/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 2 | Acknowledged | Final CD dated XX/XX/XX reflects a disbursement date of XX/XX/XX which is the same date as the ROR expiration date. |  | Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified housing payment history - 104 combined months of housing payments paid 0x30 per credit report. ; Verified employment history - Long term employment history for borrower verified.; |  | 04/03/24 Final settlement statement received. Disbursement date of XX/XX/XX verified. - Client: EV2 Post closing corrective action-04/03/24 Final settlement statement received. Disbursement date of XX/XX/XX verified. XX/XX/XX PC CD w/LOE to the borrower received.<br>04/03/24 Final settlement statement received. Disbursement date of XX/XX/XX verified. | Funded C B |
| 900000832 | XXXX | 1052796 | 03/20/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | Variance is 0.157% - CD XX/XX/XX APR 10.298% , CD XX/XX/XX APR 10.141%<br>|  | Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified housing payment history - 104 combined months of housing payments paid 0x30 per credit report. ; Verified employment history - Long term employment history for borrower verified.; |  | Client: EV2 Benefit to Borrower. | Funded C B |
| 900000840 | XXXX | 1052931 | 03/21/2024 | Compliance | APR Violation | TIL 0006 | 2 | Acknowledged | The (10.594%) disclosed APR exceeds the actual APR of (10.46%) by more than .125%. The ($57,624.59) disclosed finance charge does not exceed the actual finance charge of ($57,624.59); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after it is mailed or delivered. (12 CFR 1026.17(f); 1026.38; 1026.19(f); 1026.22(a)(2); OSC 17(c)(2)(ii)-1) |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject refinance eliminating $XXX in total monthly payments. ; Low LTV/CLTV/HCLTV - Low 43.35% CLTV when guidelines allow up to 85% with minimum 700 fico score. Borrower score is 703. ; |  | Client: EV2 Non-Material - Benefit to borrower | Funded C B |
| 900000840 | XXXX | 1053126 | 03/22/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing verification of XXXX account reported as paid off with subject transaction with a balance of $XXXX as noted on CD dated XX/XX/XX. This account was not verified on credit report in file. | 03/27/2024 | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject refinance eliminating $XXX in total monthly payments. ; Low LTV/CLTV/HCLTV - Low 43.35% CLTV when guidelines allow up to 85% with minimum 700 fico score. Borrower score is 703. ; |  | 03/27/24 Verification of discover balance verified with CBR. - 03/27/24 Verification of discover balance verified with CBR. | Funded C A |
| 900000830 | XXXX | 1053056 | 03/22/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR decrease from 10.957% to 10.018% due to loan amount decrease. |  | Verified employment history - Borrower has been employed for 8 plus years with current employer and Co-borrower has been employed for 7 plus years with current employer. ; Verified housing payment history - 90 combined months of subject property mortgage history paid 0x30 per credit report. 102 combined months of satisfactory mortgage history on borrowers primary residence paid 0x30 per the credit report. ; |  | Client: EV2 Non-Material - Benefit to Borrower | Funded C B |
| 900000819 | XXXX | 1053085 | 03/22/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified employment history - B1 has been employed with the same employer for 27 years plus. B2 has been employed with the same employer for 14 years plus. ; Verified housing payment history - 137 combined months of housing history paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000837 | XXXX | 1053192 | 03/25/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 1 | Closed | APR exceeds exceeds actual APR by .133%. COC on XX/XX/XX states APR was incorrect on CD issued XX/XX/XX. --The (11.153%) disclosed APR exceeds the actual APR of (11.0204%) by more than .125%. The ($103,852.27) disclosed finance charge does not exceed the actual finance charge of ($103,852.27); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer<br>is deemed to have received it 3 business days after it is mailed or delivered. (12 CFR 1026.17(f); 1026.38; 1026.19(f); 1026.22(a)(2); OSC 17(c)(2)(ii)-1)<br>| 04/04/2024 | Verified housing payment history - 54 combined months of satisfactory mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off existing line of credit for $XXX and additional $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower has been employed with same employer for 7 plus years.; | 4/3/2024 - EV2 Non-Material. APR on the initial CD was accurate and then overstated on the subsequent CDs. TRID 0206 Overridden to EV2; | EV2 Non-Material - EV2 Non-Material | Funded C A |
| 900000837 | XXXX | 1053195 | 03/25/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. |  | Verified housing payment history - 54 combined months of satisfactory mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off existing line of credit for $XXX and additional $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower has been employed with same employer for 7 plus years.; |  | Client: EV2 Non-Material | Funded C B |
| 900000837 | XXXX | 1053360 | 03/26/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 2 | Acknowledged | Missing evidence that Judgment on Schedule B of title (Item #9) has been satisfied and removed. |  | Verified housing payment history - 54 combined months of satisfactory mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off existing line of credit for $XXX and additional $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower has been employed with same employer for 7 plus years.; | 4/3/2024 - Exception is cleared with the attached copy of the recorded acknowledgement of full satisfaction. TIT 0014 Exception Cleared; | Client: 4/3/2024 - Exception is cleared with the attached copy of the recorded acknowledgement of full satisfaction. TIT 0014 Exception Cleared; | Funded C B |
| 900000837 | XXXX | 1053388 | 03/26/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Review DTI of 53.58% exceeds the guideline max of 45%. Lender DTI per 1008 is 40.061%. Tape DTI is 44.94%. XXXX debt was excluded in qualifying. Review calculated payments based on 1% of the outstanding balance. Credit report reflects payments were deferred to XX/XX/XX. | 04/04/2024 | Verified housing payment history - 54 combined months of satisfactory mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off existing line of credit for $XXX and additional $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower has been employed with same employer for 7 plus years.; | 4/3/2024 - "The XXXX is under XX starting #/##/####, see document attached." Attached letter confirms $0 payment under XXX plan. DTI < 45% max with XXXX excluded. CRED 0004 Exception Cleared; | 4/3/2024 - "The XXXX is under XX starting #/##/####, see document attached." Attached letter confirms $0 payment under XXX plan. DTI < 45% max with XXXX excluded. CRED 0004 Exception Cleared; - 4/3/2024 - "The XXXX is under XX starting #/##/####, see document attached." Attached letter confirms $0 payment under XXX plan. DTI < 45% max with XXXX excluded. CRED 0004 Exception Cleared; | Funded C A |
| 900000837 | XXXX | 1053439 | 03/26/2024 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 2 | Acknowledged | Investor approved use of borrower provided wage transcripts |  | Verified housing payment history - 54 combined months of satisfactory mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off existing line of credit for $XXX and additional $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower has been employed with same employer for 7 plus years.; |  | Client: Investor Acknowledged Exception | Funded C B |
| 900000856 | XXXX | 1053295 | 03/25/2024 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed |  | 04/09/2024 |  |  |  | Funded C A |
| 900000856 | XXXX | 1053330 | 03/25/2024 | Compliance | Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 | TRID 0089 | 1 | Closed |  | 04/09/2024 |  |  |  | Funded C A |
| 900000856 | XXXX | 1053331 | 03/25/2024 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 1 | Closed |  | 04/09/2024 |  |  |  | Funded C A |
| 900000856 | XXXX | 1053332 | 03/25/2024 | Compliance | Last Closing Disclosure Total Interest Percentage (TIP) < System Calculated | TRID 0077 | 1 | Closed |  | 04/09/2024 |  |  |  | Funded C A |
| 900000856 | XXXX | 1053478 | 03/27/2024 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed |  | 04/03/2024 |  |  |  | Funded C A |
| 900000895 | XXXX | 1053418 | 03/26/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 33 combined months of housing history paid 0x30 per credit report.; Verified employment history - Borrower has been employed with current employer for 5 years plus. ; Verified reserves - 24 months verified reserves remain after closing when guidelines required none be verified. ; Low LTV/CLTV/HCLTV - Low 47.95% CLTV when guidelines allow up to 75%. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000895 | XXXX | 1053419 | 03/26/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan Approval is missing. File only contains Lender 1008. | 04/02/2024 | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 33 combined months of housing history paid 0x30 per credit report.; Verified employment history - Borrower has been employed with current employer for 5 years plus. ; Verified reserves - 24 months verified reserves remain after closing when guidelines required none be verified. ; Low LTV/CLTV/HCLTV - Low 47.95% CLTV when guidelines allow up to 75%. ; | 3/29/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | 3/29/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; - 3/29/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | Funded D A |
| 900000895 | XXXX | 1053595 | 03/28/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Provide final title to confirm judgments listed on Title are cleared and removed. | 05/14/2024 | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 33 combined months of housing history paid 0x30 per credit report.; Verified employment history - Borrower has been employed with current employer for 5 years plus. ; Verified reserves - 24 months verified reserves remain after closing when guidelines required none be verified. ; Low LTV/CLTV/HCLTV - Low 47.95% CLTV when guidelines allow up to 75%. ; | 5/10/2024 - Recd loan policy with no title exceptions. TITL 0014 Exception Cleared; | 5/10/2024 - Recd loan policy with no title exceptions. TITL 0014 Exception Cleared; - 5/10/2024 - Recd loan policy with no title exceptions. TITL 0014 Exception Cleared; | Funded C A |
| 900000895 | XXXX | 1053598 | 03/28/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed in accordance with Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 33 combined months of housing history paid 0x30 per credit report.; Verified employment history - Borrower has been employed with current employer for 5 years plus. ; Verified reserves - 24 months verified reserves remain after closing when guidelines required none be verified. ; Low LTV/CLTV/HCLTV - Low 47.95% CLTV when guidelines allow up to 75%. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000858 | XXXX | 1053443 | 03/26/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC or general credit for addition of loan discount fee on CD issued XX/XX/XX. COC (Page 429) is blank. -- | 04/09/2024 | Net tangible benefit - Borrower paid off all open/active consumer accounts on credit report totaling $XXXX with the subject transaction eliminating $XXX in total monthly payments. ; Verified housing payment history - 106 combined mortgage payment history paid 0x30 per credit report. ; |  | 04/09/24 Explanation for fee increase received w/supporting documentation from lender. - 04/09/24 Explanation for fee increase received w/supporting documentation from lender. | Funded C A |
| 900000858 | XXXX | 1053606 | 03/28/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Missing Investor acceptance of Property type. Subject property location is reflected to be XXXX, located in XXXX town of XXXX. LRP Guidelines do not allow for XXXX property location. |  | Net tangible benefit - Borrower paid off all open/active consumer accounts on credit report totaling $XXXX with the subject transaction eliminating $XXX in total monthly payments. ; Verified housing payment history - 106 combined mortgage payment history paid 0x30 per credit report. ; |  | Client: Investor Approved Exception - 04/04/24 investor exception form dated 02/16/24 received. | Funded C B |
| 900000836 | XXXX | 1053727 | 03/28/2024 | Property | Missing Appraiser License | APPR 0043 | 1 | Closed | Missing copy of current license for XXX Lic XXX. Copy of license provided expired XX/XX/XX. | 04/03/2024 | Net tangible benefit - Borrower paid off $XXX 2nd lien and $XXX in consumer debt with subject transaction to eliminate $XXX in total monthly payments. ; Verified employment history - Borrower has been employed with current employer for 15 years plus.; Verified housing payment history - 65 combined months of mortgage history paid 0x30 per credit report. ; |  | 04/03/24 Copy of current appraiser license received. - 04/03/24 Copy of current appraiser license received. | Funded C A |
| 900000838 | XXXX | 1053535 | 03/27/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender loan Approval. 1008 only is in file. | 04/02/2024 | Verified reserves - 60 months of verified reserves remain after closing per personal funds verified. This does not take into account the cash out received at closing. ; Verified housing payment history - Verified 39 months mortgage history for primary residence and 27 months for subject property all paid 0x30. ; Low DTI - Low 18.79% DTI when guidelines allow up to 45%.; | 4/1/2024 - Exception is cleared with the attached conditional approval. APRV 0001 Exception Cleared; | 4/1/2024 - Exception is cleared with the attached conditional approval. APRV 0001 Exception Cleared; - 4/1/2024 - Exception is cleared with the attached conditional approval. APRV 0001 Exception Cleared; | Funded D A |
| 900000838 | XXXX | 1053536 | 03/27/2024 | Compliance | Missing Second Home Rider | DEED 0013 | 1 | Closed | Missing 2nd Home Rider. | 04/02/2024 | Verified reserves - 60 months of verified reserves remain after closing per personal funds verified. This does not take into account the cash out received at closing. ; Verified housing payment history - Verified 39 months mortgage history for primary residence and 27 months for subject property all paid 0x30. ; Low DTI - Low 18.79% DTI when guidelines allow up to 45%.; | 4/1/2024 - Exception is cleared with the attached copy of the borrower executed Second Home Rider. DEED 0013 Exception Cleared; | 4/1/2024 - Exception is cleared with the attached copy of the borrower executed Second Home Rider. DEED 0013 Exception Cleared; - 4/1/2024 - Exception is cleared with the attached copy of the borrower executed Second Home Rider. DEED 0013 Exception Cleared; | Funded C A |
| 900000838 | XXXX | 1053738 | 03/29/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing signed business narrative confirming business operation, primary products and services, who is customer base, number of full-time employees and any other information to help with identifying eligible bank deposits. | 04/03/2024 | Verified reserves - 60 months of verified reserves remain after closing per personal funds verified. This does not take into account the cash out received at closing. ; Verified housing payment history - Verified 39 months mortgage history for primary residence and 27 months for subject property all paid 0x30. ; Low DTI - Low 18.79% DTI when guidelines allow up to 45%.; |  | 04/03/24 Borrower LOE received. LOE explains the description of the business operation, primary services, customer base, number of employees. - 04/03/24 Borrower LOE received. LOE explains the description of the business operation, primary services, customer base, number of employees. | Funded C A |
| 900000838 | XXXX | 1053866 | 03/29/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 1 | Closed | Missing the XXXX Business bank statement ending. Guidelines require bank statements be dated within 60 days of Note date. | 04/09/2024 | Verified reserves - 60 months of verified reserves remain after closing per personal funds verified. This does not take into account the cash out received at closing. ; Verified housing payment history - Verified 39 months mortgage history for primary residence and 27 months for subject property all paid 0x30. ; Low DTI - Low 18.79% DTI when guidelines allow up to 45%.; | 4/8/2024 - Exception is cleared with the attached business bank statement. GIDE 0001 Exception Cleared; | 4/8/2024 - Exception is cleared with the attached business bank statement. GIDE 0001 Exception Cleared; - 4/8/2024 - Exception is cleared with the attached business bank statement. GIDE 0001 Exception Cleared; | Funded C A |
| 900000859 | XXXX | 1053880 | 04/01/2024 | Property | Appraisal is Incomplete | APPR 0002 | 2 | Acknowledged | Missing full appraisal. AVM only in file. Confidence score is 74 with FSD of 0.26. LRC guidelines require a Confidence score of at least 90 or a full appraisal is required. Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. File contains a AVM by XXX effective XX/XX/XX and separate Exterior PCI- Property Condition Inspection dated XX/XX/XX. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) Must be an approved AVM provider. |  | Verified employment history - Borrower has been employed with current employer for 11 years plus. ; Verified housing payment history - 83 combined months of mortgage history paid 0x30 per credit report. ; Low LTV/CLTV/HCLTV - Low 55% CLTV when guidelines allow up to 85% with minimum 700 FICO score. ; |  | Client: EV2 Investor Acknowledged Exception to allow for use of PC AVM. PC AVM 04/12/24, value $XXXX, Confidence 92. | Funded C B |
| 900000859 | XXXX | 1053892 | 04/01/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing proof of attempted request of B2 XXXX IRS 1099 transcript and the XXXX IRS 1099 to confirm income. No proof of any requests present for B2. | 04/11/2024 | Verified employment history - Borrower has been employed with current employer for 11 years plus. ; Verified housing payment history - 83 combined months of mortgage history paid 0x30 per credit report. ; Low LTV/CLTV/HCLTV - Low 55% CLTV when guidelines allow up to 85% with minimum 700 FICO score. ; | 4/11/2024 - Recd B2 XXXX Wage Transcript and Income Transcripts reflecting no record of return filed and XXXX/XXXX transcripts. CRED 0091 Exception Cleared; | 4/11/2024 - Recd B2 XXXX Wage Transcript and Income Transcripts reflecting no record of return filed and XXXX/XXXX transcripts. CRED 0091 Exception Cleared; - 4/11/2024 - Recd B2 XXXX Wage Transcript and Income Transcripts reflecting no record of return filed and XXXX/XXXX transcripts. CRED 0091 Exception Cleared; | Funded C A |
| 900000842 | XXXX | 1053960 | 04/02/2024 | Compliance | Missing Initial Disclosure(s) | COMP 0006 | 1 | Closed | Missing a complete copy of all initial disclosures sent to the borrower XX/XX/XX as per the disclosure tracking. | 04/03/2024 | Verified housing payment history - 141 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - B1 has been employed with same employer for 4 plus years.<br>B2 has been employed with same employer for 14 plus years.; |  | 04/03/24 Complete copy of the initial disclosure package received. - 04/03/24 Complete copy of the initial disclosure package received. | Funded C A |
| 900000834 | XXXX | 1053875 | 03/29/2024 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 1 | Closed | Unable to verify cause of variance, lender Mavent report not provided for review.--T --The Maximum Principal and Interest Payment Amount in column 1 of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (720.69), while the Calculated Projected Payments Table has a value of (721.14) | 04/04/2024 | Verified employment history - Borrower has been employed with the same employer for 24 years.; Verified housing payment history - 99 months of verified mortgage payments paid 0x30 per credit report. ; Income verified was not used in qualifying - Borrowers paystub and VOI confirm other earnings since employment that was not considered in qualifying. Only the base monthly salary was used in qualification. ; | 4/2/2024 - Exception auto cleared upon resubmission (2nd lien pmnt based on 366 days). TRID 0092 Exception Cleared; | 4/2/2024 - Exception auto cleared upon resubmission (2nd lien pmnt based on 366 days). TRID 0092 Exception Cleared; - 4/2/2024 - Exception auto cleared upon resubmission (2nd lien pmnt based on 366 days). TRID 0092 Exception Cleared; | Funded C A |
| 900000834 | XXXX | 1053878 | 03/29/2024 | Compliance | Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 | TRID 0089 | 1 | Closed | Unable to verify cause of variance, lender Mavent report not provided for review.--The disclosed finance charge ($179,401.07) is ($110.93) below the actual finance charge ($179,512.00). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) | 04/04/2024 | Verified employment history - Borrower has been employed with the same employer for 24 years.; Verified housing payment history - 99 months of verified mortgage payments paid 0x30 per credit report. ; Income verified was not used in qualifying - Borrowers paystub and VOI confirm other earnings since employment that was not considered in qualifying. Only the base monthly salary was used in qualification. ; | 4/2/2024 - Exception auto cleared upon resubmission (2nd lien pmnt based on 366 days). TRID 0089 Exception Cleared; | 4/2/2024 - Exception auto cleared upon resubmission (2nd lien pmnt based on 366 days). TRID 0089 Exception Cleared; - 4/2/2024 - Exception auto cleared upon resubmission (2nd lien pmnt based on 366 days). TRID 0089 Exception Cleared; | Funded C A |
| 900000849 | XXXX | 1053847 | 03/29/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Approval, only an unsigned 1008 is in the file | 04/03/2024 | Net tangible benefit - Borrowers paid off $XXX in consumer debt with the subject transaction eliminating $XXX in monthly payments. ; Income verified was not used in qualifying - Borrower has additional income earnings documented on present job that was not considered in qualifying.; Verified housing payment history - 85 combined months of mortgage history paid 0x30 per credit report. ; Minimal outstanding debt - Borrower paid off all outstanding consumer debt exception one revolving with a small balance. Subject 2nd lien loan reflects a 20 year amortization, thus payout is a shorter term. ; |  | 04/03/24 Lender loan approval received. - 04/03/24 Lender loan approval received. | Funded D A |
| 900000849 | XXXX | 1053848 | 03/29/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 2 | Acknowledged | Condition cited for final settlement statement / final CD to confirm actual disbursement date. |  | Net tangible benefit - Borrowers paid off $XXX in consumer debt with the subject transaction eliminating $XXX in monthly payments. ; Income verified was not used in qualifying - Borrower has additional income earnings documented on present job that was not considered in qualifying.; Verified housing payment history - 85 combined months of mortgage history paid 0x30 per credit report. ; Minimal outstanding debt - Borrower paid off all outstanding consumer debt exception one revolving with a small balance. Subject 2nd lien loan reflects a 20 year amortization, thus payout is a shorter term. ; |  | Client: EV2 Post-Closing Corrective Action- LOE and PC CD reflecting a disbursement date of (##/##/##) received. | Funded C B |
| 900000849 | XXXX | 1053850 | 03/29/2024 | Credit | Final 1003 Application is Incomplete | APP 0002 | 1 | Closed | Missing the Lender Loan Information section of the Final 1003. | 04/03/2024 | Net tangible benefit - Borrowers paid off $XXX in consumer debt with the subject transaction eliminating $XXX in monthly payments. ; Income verified was not used in qualifying - Borrower has additional income earnings documented on present job that was not considered in qualifying.; Verified housing payment history - 85 combined months of mortgage history paid 0x30 per credit report. ; Minimal outstanding debt - Borrower paid off all outstanding consumer debt exception one revolving with a small balance. Subject 2nd lien loan reflects a 20 year amortization, thus payout is a shorter term. ; |  | 04/03/24 Lender Loan Information to the final 1003 received. - 04/03/24 Lender Loan Information to the final 1003 received. | Funded C A |
| 900000849 | XXXX | 1053851 | 03/29/2024 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Missing the Lender Loan Information section of the Initial 1003 | 04/17/2024 | Net tangible benefit - Borrowers paid off $XXX in consumer debt with the subject transaction eliminating $XXX in monthly payments. ; Income verified was not used in qualifying - Borrower has additional income earnings documented on present job that was not considered in qualifying.; Verified housing payment history - 85 combined months of mortgage history paid 0x30 per credit report. ; Minimal outstanding debt - Borrower paid off all outstanding consumer debt exception one revolving with a small balance. Subject 2nd lien loan reflects a 20 year amortization, thus payout is a shorter term. ; |  | 04/17/24 Loan Information section of the Initial 1003 received. - 04/17/24 Loan Information section of the Initial 1003 received. | Funded C A |
| 900000849 | XXXX | 1053853 | 03/29/2024 | Compliance | Missing "Paid To" designee on Closing Disclosure (12 CFR 1026.38(f)(1-5)) | TRID 0189 | 2 | Acknowledged | Missing the payee for the Notary - Mobile Signing Service Fee on the (##/##/##) CD |  | Net tangible benefit - Borrowers paid off $XXX in consumer debt with the subject transaction eliminating $XXX in monthly payments. ; Income verified was not used in qualifying - Borrower has additional income earnings documented on present job that was not considered in qualifying.; Verified housing payment history - 85 combined months of mortgage history paid 0x30 per credit report. ; Minimal outstanding debt - Borrower paid off all outstanding consumer debt exception one revolving with a small balance. Subject 2nd lien loan reflects a 20 year amortization, thus payout is a shorter term. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000849 | XXXX | 1053862 | 03/29/2024 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing final settlement statement to verify the disbursement date and final CD | 04/03/2024 | Net tangible benefit - Borrowers paid off $XXX in consumer debt with the subject transaction eliminating $XXX in monthly payments. ; Income verified was not used in qualifying - Borrower has additional income earnings documented on present job that was not considered in qualifying.; Verified housing payment history - 85 combined months of mortgage history paid 0x30 per credit report. ; Minimal outstanding debt - Borrower paid off all outstanding consumer debt exception one revolving with a small balance. Subject 2nd lien loan reflects a 20 year amortization, thus payout is a shorter term. ; | 04/03/24 Final settlement statement received confirming disbursement date of (##/##/##). Per lender PCCD has been requested. | 04/03/24 Final settlement statement received confirming disbursement date of (##/##/##). - 04/03/24 Final settlement statement received confirming disbursement date of (##/##/##). | Funded D A |
| 900000849 | XXXX | 1053865 | 03/29/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC or lender credit for the following fee increases: Loan Discount increased form $1,353.10 to $1,563.10 on the (##/##/##) CD, no COC form provided.<br>| 04/03/2024 | Net tangible benefit - Borrowers paid off $XXX in consumer debt with the subject transaction eliminating $XXX in monthly payments. ; Income verified was not used in qualifying - Borrower has additional income earnings documented on present job that was not considered in qualifying.; Verified housing payment history - 85 combined months of mortgage history paid 0x30 per credit report. ; Minimal outstanding debt - Borrower paid off all outstanding consumer debt exception one revolving with a small balance. Subject 2nd lien loan reflects a 20 year amortization, thus payout is a shorter term. ; |  | 04/03/24 COC for rate extension received. - 04/03/24 COC for rate extension received. | Funded C A |
| 900000849 | XXXX | 1053965 | 04/02/2024 | Property | Appraisal is Incomplete | APPR 0002 | 2 | Acknowledged | Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. <br>|  | Net tangible benefit - Borrowers paid off $XXX in consumer debt with the subject transaction eliminating $XXX in monthly payments. ; Income verified was not used in qualifying - Borrower has additional income earnings documented on present job that was not considered in qualifying.; Verified housing payment history - 85 combined months of mortgage history paid 0x30 per credit report. ; Minimal outstanding debt - Borrower paid off all outstanding consumer debt exception one revolving with a small balance. Subject 2nd lien loan reflects a 20 year amortization, thus payout is a shorter term. ; | 4/17/2024 - Recd investor acknowledgment. APPR 0002 Investor Acknowledged Exception; | Client: 4/17/2024 - Recd investor acknowledgment. APPR 0002 Investor Acknowledged Exception; | Funded C B |
| 900000917 | XXXX | 1054016 | 04/02/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | ABD not in file. Per FACTS Disclosures, broker and lender have no affiliates. However, the settlement agent, XXXX, has same phone number as broker XXXX. | 04/22/2024 | Verified employment history - Borrower has been with current employer for 5 years plus.; Verified reserves - 47 months reserves remain after closing from cash out proceeds. Guidelines allow use of cash out to meet the minimum 2 months required. ; Verified housing payment history - 66 combined months of mortgage payment history paid 0x30 per credit report. ; | 4/19/2024 - Recd borrower signed ABD confirming an affiliation between the broker and the settlement agent. COM 0010 Exception Cleared; | 4/19/2024 - Recd borrower signed ABD confirming an affiliation between the broker and the settlement agent. COM 0010 Exception Cleared; - 4/19/2024 - Recd borrower signed ABD confirming an affiliation between the broker and the settlement agent. COM 0010 Exception Cleared; | Funded C A |
| 900000917 | XXXX | 1054028 | 04/02/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated XX/XX/XX disclosed $XXXX, which is only hazard insurance. Total annual property cost for tax and insurance is $XXXX. |  | Verified employment history - Borrower has been with current employer for 5 years plus.; Verified reserves - 47 months reserves remain after closing from cash out proceeds. Guidelines allow use of cash out to meet the minimum 2 months required. ; Verified housing payment history - 66 combined months of mortgage payment history paid 0x30 per credit report. ; | 05/21/24 PCCD and LOE received. PC CD reflects corrected corrected Estimated Taxes, Estimated Property Costs over 1 year was also updated to $XXXX. This amount should be $0 as the first lien is escrowed OR $XXXX (12 mths).<br>5/14/2024 - Recd PCCD 5/14 and cover letter. No exception cleared. PCCD does not disclose property costs over year 1 on page 4 of the disclosure. TRID 0204 Exception Remains;<br>05/01/24 PCCD dated 05/01/24 w/LOE received. <br>\*\*Finding remains, PCCD reflects Estimated Taxes, Insurance, & Assessments of XXXX which is only for the HOI. Review estimated Taxes Insurance & Assessments $XXX. This amount is based on HOI of $XX and property taxes of $XX.<br>4/25/2024 - Attached PCCD only disclosed property insurance payment. Cash to Close was corrected to match the final settlement statement. TRID 0204 Exception Remains;<br>4/17/2024 - Cash to Close on the attached settlement statement ($XXXX) does not match to the dry funding CD ($XXX). Difference of $XXX appears to be due to the recording and wire fees. Discrepancy to be addressed. TRID 0204 Exception Remains;<br>4/12/2024 - Exception is partially cleared with the attached dry funding CD. Missing is a copy of the final settlement statement to confirm changes to the disbursement date, prepaid interest, credit report fee, and cash to borrower. TRID 0204 Exception Remains; | Client: EV2 Post-Closing Corrective Action -05/30/24 PCCD and LOE received. PC CD reflects corrected corrected Estimated Taxes, Estimated Property Costs over 1 year of $XXX (12 mths). | Funded C B |
| 900000917 | XXXX | 1054090 | 04/03/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Approval from file. File only contains an unexecuted 1008. | 04/11/2024 | Verified employment history - Borrower has been with current employer for 5 years plus.; Verified reserves - 47 months reserves remain after closing from cash out proceeds. Guidelines allow use of cash out to meet the minimum 2 months required. ; Verified housing payment history - 66 combined months of mortgage payment history paid 0x30 per credit report. ; | 4/10/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | 4/10/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; - 4/10/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | Funded D A |
| 900000917 | XXXX | 1054108 | 04/03/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing copy of XXXX Wage Transcript for borrower. File contains two copies of XXXX. | 04/18/2024 | Verified employment history - Borrower has been with current employer for 5 years plus.; Verified reserves - 47 months reserves remain after closing from cash out proceeds. Guidelines allow use of cash out to meet the minimum 2 months required. ; Verified housing payment history - 66 combined months of mortgage payment history paid 0x30 per credit report. ; | 4/17/2024 - Exception is cleared with the attached wage transcript. CRED 0082 Exception Cleared; | 4/17/2024 - Exception is cleared with the attached wage transcript. CRED 0082 Exception Cleared; - 4/17/2024 - Exception is cleared with the attached wage transcript. CRED 0082 Exception Cleared; | Funded C A |
| 900000831 | XXXX | 1054049 | 04/03/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD dated XX/XX/XX Disclosed APR 14.462%<br>CD dated XX/XX/XX Disclosed APR 14.325%<br>CD dated XX/XX/XX Disclosed APR 14.325% |  | Net tangible benefit - Borrowers paid off consumer debt totaling $XXXX with subject transaction eliminating $XXXX in monthly payments. ; Verified housing payment history - 135 combined months of mortgage payment history paid 0x30 per credit report. ; |  | Client: EV2 APR decreased, benefit to borrower. | Funded C B |
| 900000833 | XXXX | 1054068 | 04/03/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal does not contain verbiage affirming that it was prepared in accordance with Title XI of FIRREA and any implementing regulations. Appraisal does not meet CFPB Safe Harbor criteria for HPML Appraisals. |  | Verified housing payment history - 84 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; |  | Client: EV2, Non-Material. | Funded C B |
| 900000845 | XXXX | 1054217 | 04/04/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations |  | Verified housing payment history - 146 combined months of mortgage history paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 782 when guidelines require 700. Credit history reported on credit report has all been paid 0x30 with oldest reporting active tradeline from XX/XXX (22 years). No derogatory credit noted. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000846 | XXXX | 1054079 | 04/03/2024 | Compliance | Borrower(s) Did Not Receive "Right to Receive Credit Scores" | FACT 0002 | 2 | Acknowledged | The credit report reflects scores returned from all three repositories for both borrowers, but the disclosures only reflect the Experian scores and reflect no scores returned from TransUnion or Equifax. |  | Net tangible benefit - Borrower paid off consumer debt totaling $XXXX with subject transaction eliminating $XXX in monthly payments. ; Verified employment history - Borrower has been employed with same employer for 29 years plus. ; Verified housing payment history - 130 combined months of housing payment history paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000867 | XXXX | 1054124 | 04/03/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender approval, only an unsigned 1008 is in the file. | 04/15/2024 | Verified housing payment history - 117 combined months of mortgage payment history paid 0x30 per credit report. ; Verified employment history - B1 has been on the job with same employer for 7 years plus. B2 has been employed with employer for 16 years plus.; |  | 04/15/24 Lender loan approval received. - 04/15/24 Lender loan approval received. | Funded D A |
| 900000852 | XXXX | 1054332 | 04/05/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Amount disclosed on page 1 of the final CD issued for taxes, insurance and HOA is $XXXX monthly. Annually would be $XXXX. Pages 4 of the CD reflects $XXXX annually ($XXXX monthly). Calculated $XX annually / $XXX monthly. Hazard on is $XXX annually. $XXXX monthly. 1008 reflects $XXXX monthly. |  | Verified housing payment history - 37 months mortgage history paid 0x30 per credit report.; Verified credit history - Indictor credit score of 777 with all credit reporting on credit report paid 0x30 with oldest active tradeline dating back to XX/XXXX. ; Verified reserves - 29 months reserves verified when guidelines require 2 months. Funds verified in amount of $XXX plus the cash out received from the subject transaction. Guidelines allow cash out to meet reserves.; Low DTI - Low 24.70% DTI when guidelines allow up to 45%. ; | 4/18/2024 - Exception is overridden to EV2 with the attached PCCD, updated taxes and insurance with 11 months property costs disclosed. TRID 0204 Exception Overridden to EV2; | Client: 4/18/2024 - Exception is overridden to EV2 with the attached PCCD, updated taxes and insurance with 11 months property costs disclosed. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000894 | XXXX | 1054281 | 04/05/2024 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed | Title Commitment shows UCC Lien. Email says a termination was requested. Copy of termination not in file, final title policy not in file. Unable to verify 2nd lien position. | 04/30/2024 | Verified housing payment history - 54 months of combined mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed for 14 year with current employer. ; | 4/29/2024 - Exception is cleared with the attached UCC termination. TITL 0003 Exception Cleared; | 4/29/2024 - Exception is cleared with the attached UCC termination. TITL 0003 Exception Cleared; - 4/29/2024 - Exception is cleared with the attached UCC termination. TITL 0003 Exception Cleared; | Funded C A |
| 900000894 | XXXX | 1054284 | 04/05/2024 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | E-Sign Disclosure not in file. | 04/22/2024 | Verified housing payment history - 54 months of combined mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed for 14 year with current employer. ; | 4/19/2024 - Exception is cleared with the attached copy of the borrowers eConsent. TRID 0134 Exception Cleared; | 4/19/2024 - Exception is cleared with the attached copy of the borrowers eConsent. TRID 0134 Exception Cleared; - 4/19/2024 - Exception is cleared with the attached copy of the borrowers eConsent. TRID 0134 Exception Cleared; | Funded C A |
| 900000894 | XXXX | 1054321 | 04/05/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for increase in Appraisal Fee from $65 to $605. Missing COC for addition of Doc Prep Fee for $200. This is a zero tolerance fee as it is paid to an affiliate. Prior LEs and CDs did not disclose a Doc Prep Fee. |  | Verified housing payment history - 54 months of combined mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed for 14 year with current employer. ; | 5/9/2024 - Recd PCCD, LOE, refund check $XXX, and courier tracking slip to evidence delivery to borrower XX/XX. TRID 0195 Exception Overridden to EV2; | Client: 5/9/2024 - Recd PCCD, LOE, refund check $XXX, and courier tracking slip to evidence delivery to borrower XX/XX. TRID 0195 Exception Overridden to EV2; | Funded C B |
| 900000894 | XXXX | 1054323 | 04/05/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for increase in Recording Fee from $115 to $201 on CD issued . |  | Verified housing payment history - 54 months of combined mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed for 14 year with current employer. ; | 5/9/2024 - Recd PCCD, LOE, refund check $XXX, and courier tracking slip to evidence delivery to borrower XX/XX. TRID 0195 Exception Overridden to EV2; | Client: 5/9/2024 - Recd PCCD, LOE, refund check $XXX, and courier tracking slip to evidence delivery to borrower XX/XX. TRID 0195 Exception Overridden to EV2; | Funded C B |
| 900000894 | XXXX | 1054611 | 04/08/2024 | Credit | Missing income calculation worksheet and/or detail | CRED 0092 | 1 | Closed | Missing evidence of most recent two years Wage Transcripts. None in file. | 05/09/2024 | Verified housing payment history - 54 months of combined mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed for 14 year with current employer. ; |  | 05/08/24 Wage & income transcripts for (two years) received. - 05/08/24 Wage & income transcripts for (two years) received. | Funded C A |
| 900000862 | XXXX | 1054688 | 04/08/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing evidence of delivery for last LE. | 04/16/2024 | Verified housing payment history - 92 months of combined mortgage pay history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in monthly payments. ; Verified employment history - Borrower has been employed with same employer for 19 years. ; | 4/15/2024 - Exception is cleared with the attached disclosure tracking. TRID 0023 Exception Cleared; | 4/15/2024 - Exception is cleared with the attached disclosure tracking. TRID 0023 Exception Cleared; - 4/15/2024 - Exception is cleared with the attached disclosure tracking. TRID 0023 Exception Cleared; | Funded C A |
| 900000864 | XXXX | 1054610 | 04/07/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing evidence of delivery for the Last LE. | 04/16/2024 | Verified employment history - B1 VOE confirms 9+ years employment with present employer. B2 VOE confirms 32+ years employment with present employer.; Verified housing payment history - Credit report confirms 203+ months satisfactory mortgage rating.; Verified credit history - Middle credit scores 777/741 with no history of delinquency reported. Minimum required 680.; Low LTV/CLTV/HCLTV - 66.95% CLTV < 85% Max Allowed.; Low DTI - 32.49% DTI < 45% Max Allowed.; |  |  | Funded C A |
| 900000863 | XXXX | 1054728 | 04/08/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified reserves - Borrower is receiving 18.24 months PITIA reserves in cash out, no reserves required.; Verified credit history - The credit report reflects tradelines dating back to xxxx with no reported lates.; |  | Client: EV2 Non-Material | Funded C B |
| 900000863 | XXXX | 1054845 | 04/09/2024 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing explanation in the file for why the transcripts reflect two separate W2s while the borrower provided one consolidated. | 04/22/2024 | Verified reserves - Borrower is receiving 18.24 months PITIA reserves in cash out, no reserves required.; Verified credit history - The credit report reflects tradelines dating back to xxxx with no reported lates.; | 4/22/2024 - Review confirmed EIN changed on W2s, which is supported by online search. CRED 0087 Exception Cleared; | 4/22/2024 - Review confirmed EIN changed on W2s, which is supported by online search. CRED 0087 Exception Cleared; - 4/22/2024 - Review confirmed EIN changed on W2s, which is supported by online search. CRED 0087 Exception Cleared; | Funded C A |
| 900000928 | XXXX | 1054846 | 04/09/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed Amount = xxxx. Calculated Amount = $xxx. |  | Net tangible benefit - Borrower paid off $xxxx in consumer debt with subject transaction eliminating $xxxx in total monthly payments. ; Verified employment history - Borrower has been employed with same employer for 17 years plus. ; Verified housing payment history - 125 combined months of mortgage payments paid 0x30 per credit report. ; | 4/15/2024 - Exception is overridden to EV2 with the attached PCCD and accompanying letter of explanation. TRID 0204 Exception Overridden to EV2; | Client: 4/15/2024 - Exception is overridden to EV2 with the attached PCCD and accompanying letter of explanation. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000916 | XXXX | 1054933 | 04/10/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Underwriting Approval. Only an unsigned 1008 is in file. | 04/15/2024 | Verified housing payment history - 131 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - B2 has been with current employer for 24 years. ; |  | 04/15/24 Lender loan approval received. - 04/15/24 Lender loan approval received. | Funded D A |
| 900000916 | XXXX | 1055064 | 04/11/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing Wage Tax Transcripts for B1. Only B2 Transcripts in file. B1 retired mid XXX. Missing prior years Wage transcripts and evidence that an attempt to pull year XXXX. | 05/20/2024 | Verified housing payment history - 131 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - B2 has been with current employer for 24 years. ; |  | 05/17/24 Wage & Income transcripts for B1 received. - 05/17/24 Wage & Income transcripts for B1 received. | Funded C A |
| 900000860 | XXXX | 1055139 | 04/11/2024 | Property | Property Acreage exceeds 10 Acres | APPR 0029 | 2 | Acknowledged | Subject property lot is XXXX acres. Properties greater than XX acres are not eligible for this loan program. |  | Verified reserves - The borrowers are getting 9.88 months PITIA reserves from cash out proceeds, no reserves required.; Verified housing payment history - The credit report reflects mortgage history dating back to 2010 without any reported lates.; | 4/19/2024 - Recd investor approved exception request. APPR 0029 Investor Acknowledged Exception; | Client: 4/19/2024 - Recd investor approved exception request. APPR 0029 Investor Acknowledged Exception; | Funded C B |
| 900000869 | XXXX | 1055113 | 04/11/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Unable to validate lender's Estimated Taxes, Insurance, & Assessments of $xxxx with Estimated Property Costs over Year 1 XXXX. Review calculated Estimated Taxes, Insurance, & Assessments of $XXX with Estimated Property Costs over Year 1 of $XXXX. | 04/18/2024 | Verified housing payment history - 72 months of mortgage payment history paid 0x30 per credit report; Verified credit history - Indicator credit score is 767 with all credit reported on credit report paid 0x30 with oldest tradeline dating back to 03/2005. ; Low LTV/CLTV/HCLTV - Low 59.20% CLTV when guidelines allow up to 85%.; | 4/18/2024 - Exception re-reviewed and cleared. Lender disclosed the property tax without exemptions as more conservative approach. TRID 0204 Exception Cleared; | 4/18/2024 - Exception re-reviewed and cleared. Lender disclosed the property tax without exemptions as more conservative approach. TRID 0204 Exception Cleared; - 4/18/2024 - Exception re-reviewed and cleared. Lender disclosed the property tax without exemptions as more conservative approach. TRID 0204 Exception Cleared; | Funded C A |
| 900000869 | XXXX | 1055114 | 04/11/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 1 | Closed | Missing documentation to verify borrower receipt of the latest issue LE.<br>LE issued XX/XX/XX APR is 9.061%.<br>CD issued XX/XX/XX APR is 9.089%. <br>CD issued XX/XX/XX APR is 9.103%. Difference more than 3 days is 0.042. | 04/22/2024 | Verified housing payment history - 72 months of mortgage payment history paid 0x30 per credit report; Verified credit history - Indicator credit score is 767 with all credit reported on credit report paid 0x30 with oldest tradeline dating back to 03/2005. ; Low LTV/CLTV/HCLTV - Low 59.20% CLTV when guidelines allow up to 85%.; | 4/19/2024 - Recd latest issued LE disclosure tracking. Exception is cleared. APR on the Initial CD 9.089 to Closing CD 9.103 difference of 0.014 < 0.125. TRID 0206 Exception Cleared;<br>4/18/2024 - "Please waive-the 3 Day CD APR is 9.089%, final CD APR is 9.103%. The CD was provided in the initial file upload." \*\* No exception cleared. Missing confirmation that only two CDs were issued. Review is unable to determine if there are missing disclosures. Also missing evidence of delivery of the latest issued LE. TRID 0206 Exception Remains; | 4/19/2024 - Recd latest issued LE disclosure tracking. Exception is cleared. APR on the Initial CD 9.089 to Closing CD 9.103 difference of 0.014 < 0.125. TRID 0206 Exception Cleared; - 4/19/2024 - Recd latest issued LE disclosure tracking. Exception is cleared. APR on the Initial CD 9.089 to Closing CD 9.103 difference of 0.014 < 0.125. TRID 0206 Exception Cleared; | Funded C A |
| 900000871 | XXXX | 1055436 | 04/15/2024 | Compliance | Mortgage/Deed of Trust is Incomplete | DEED 0049 | 1 | Closed | Mortgage is missing Page 7 of 7 which includes NMLS information. | 05/02/2024 | Verified housing payment history - 147 combined months of mortgage payments paid 0x30 per credit report. ; |  | 05/02/24 Copy of recorded DOT received with all pages included. - 05/02/24 Copy of recorded DOT received with all pages included. | Funded C A |
| 900000893 | XXXX | 1055168 | 04/12/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | COC states reason for fee changes is that the loan amount increased. The loan amount did not increase from the the prior LE. Missing valid COC for fee increase. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on 2024-02-13: Documentary Tax Stamps for Mortgage/Deed of Trust - State. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). |  | Verified housing payment history - 128 combined mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score of 779 with all credit both active and closed reflected to be paid 0x30 on all accounts. Borrower is conservative credit user.; | 5/9/2024 - Recs PCCD, LOE, refund check $XXXX, and courier tracking slip to evidence delivery to borrower on XX/XX. TRID 0195 Exception Overridden to EV2; | Client: 5/9/2024 - Recs PCCD, LOE, refund check $XXXX, and courier tracking slip to evidence delivery to borrower on XX/XX. TRID 0195 Exception Overridden to EV2; | Funded C B |
| 900000893 | XXXX | 1055170 | 04/12/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | COC states reason for fee changes is that the loan amount increased. The loan amount did not increase from the the prior LE. Missing valid COC for fee increase. -- The total amount of Closing Disclosure 10% Category fees ($484.20) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on 2023-11-10, ($185.00). The total amount of fees in this category cannot exceed ($203.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)) |  | Verified housing payment history - 128 combined mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score of 779 with all credit both active and closed reflected to be paid 0x30 on all accounts. Borrower is conservative credit user.; | 5/9/2024 - Recs PCCD, LOE, refund check $XXXX, and courier tracking slip to evidence delivery to borrower on XX/XX. TRID 0195 Exception Overridden to EV2; | Client: 5/9/2024 - Recs PCCD, LOE, refund check $XXX, and courier tracking slip to evidence delivery to borrower on XX/XX. TRID 0195 Exception Overridden to EV2; | Funded C B |
| 900000893 | XXXX | 1055312 | 04/15/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing final title policy to confirm Insured policy amount of $XXX. Title commitment reflects $XXX which is lower than Note amount. | 04/24/2024 | Verified housing payment history - 128 combined mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score of 779 with all credit both active and closed reflected to be paid 0x30 on all accounts. Borrower is conservative credit user.; | 4/23/2024 - Exception is cleared with the attached updated title commitment. TITL 0013 Exception Cleared; | 4/23/2024 - Exception is cleared with the attached updated title commitment. TITL 0013 Exception Cleared; - 4/23/2024 - Exception is cleared with the attached updated title commitment. TITL 0013 Exception Cleared; | Funded C A |
| 900000891 | XXXX | 1055438 | 04/15/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Per letter of explanation in file, borrowers state (creditor) account ending (####) is an incorrect entry. Account is reflected as past due. Missing evidence of removal of account as borrower state or proof account has been brought current. | 04/18/2024 | Verified employment history - B2 has been on the job with same employer for 8+ years.; Verified housing payment history - 114 combined months of mortgage payments paid 0x30 per credit report. ; Verified reserves - 8 months reserves remain after closing when guidelines require none.; | 4/17/2024 - Exception is cleared with attached credit supplement confirming account was deleted as personal information. CRED 0093 Exception Cleared; | 4/17/2024 - Exception is cleared with attached credit supplement confirming account was deleted as personal information. CRED 0093 Exception Cleared; - 4/17/2024 - Exception is cleared with attached credit supplement confirming account was deleted as personal information. CRED 0093 Exception Cleared; | Funded C A |
| 900000891 | XXXX | 1055442 | 04/15/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing Wage Tax Transcripts for both both borrowers for most recent two tax years. | 04/24/2024 | Verified employment history - B2 has been on the job with same employer for 8+ years.; Verified housing payment history - 114 combined months of mortgage payments paid 0x30 per credit report. ; Verified reserves - 8 months reserves remain after closing when guidelines require none.; | 4/23/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; | 4/23/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; - 4/23/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; | Funded C A |
| 900000891 | XXXX | 1055581 | 04/16/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing lender loan approval. | 04/18/2024 | Verified employment history - B2 has been on the job with same employer for 8+ years.; Verified housing payment history - 114 combined months of mortgage payments paid 0x30 per credit report. ; Verified reserves - 8 months reserves remain after closing when guidelines require none.; | 4/17/2024 - Exception is cleared with the attached conditional approval. APRV 0010 Exception Cleared; | 4/17/2024 - Exception is cleared with the attached conditional approval. APRV 0010 Exception Cleared; - 4/17/2024 - Exception is cleared with the attached conditional approval. APRV 0010 Exception Cleared; | Funded C A |
| 900000872 | XXXX | 1055188 | 04/12/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Title Commitment Exhibit A reflects the following discrepancies:<br>1) Full Legal Description not in file with Commitment. Address and APN matches mortgage.<br>2) Missing final title to confirm Insured Policy Amount is for minimum of $XXX(Note amount). Commitment reflects $XX | 05/06/2024 | Verified employment history - Borrower has been on the job with the same employer for 7 years. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 58 combined months of mortgage payments paid 0x30 per credit report. ; |  | 05/03/24 Final title policy w/legal received. - 05/03/24 Final title policy w/legal received. | Funded C A |
| 900000872 | XXXX | 1055487 | 04/16/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Appraisal in fil does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations | 04/30/2024 | Verified employment history - Borrower has been on the job with the same employer for 7 years. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 58 combined months of mortgage payments paid 0x30 per credit report. ; | 4/16/2024 - Exception is cleared with the attached revised appraisal. APPR 0044 Exception Cleared; | 4/16/2024 - Exception is cleared with the attached revised appraisal. APPR 0044 Exception Cleared; - 4/16/2024 - Exception is cleared with the attached revised appraisal. APPR 0044 Exception Cleared; | Funded C A |
| 900000880 | XXXX | 1055661 | 04/18/2024 | Credit | Missing Employment doc (VOE) | CRED 0007 | 1 | Closed | Missing 2 yr WVOEs for all employers with letter from current employer explaining low YTD earnings, as per lender income calc worksheet; UW used 26.23 month average base and overtime. <br>Review DTI 54.95% exceeds the max allowed of 45%. Review income calculation based on paystubs in file. Lender used a greater figure including overtime. YTD does not support overtime earnings consistently as only one of the three paystubs reflect 40 plus hours worked weekly. | 04/30/2024 | Verified housing payment history - 64 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; | 4/25/2024 - Recd income calculation worksheet and WVOE. \*\* Base income 29.45 hrs avg, which is supported by YTD per WVOE. OT YTD+Prior Year avg 14.32 mos even though only 10+ months documented as more conservative approach. Borrowers industry of employment is impacted by weather during the the winter months, thus supporting use of prior year annualized as most conservative approach. Review calculated income is supported by prior year and decreases DTI to 44.71% < 45% max allowed. CRED 0007 Exception Cleared; | 4/25/2024 - Recd income calculation worksheet and WVOE. \*\* Base income 29.45 hrs avg, which is supported by YTD per WVOE. OT YTD+Prior Year avg 14.32 mos even though only 10+ months documented as more conservative approach. Borrowers industry of employment is impacted by weather during the the winter months, thus supporting use of prior year annualized as most conservative approach. Review calculated income is supported by prior year and decreases DTI to 44.71% < 45% max allowed. CRED 0007 Exception Cleared; - 4/25/2024 - Recd income calculation worksheet and WVOE. \*\* Base income 29.45 hrs avg, which is supported by YTD per WVOE. OT YTD+Prior Year avg 14.32 mos even though only 10+ months documented as more conservative approach. Borrowers industry of employment is impacted by weather during the the winter months, thus supporting use of prior year annualized as most conservative approach. Review calculated income is supported by prior year and decreases DTI to 44.71% < 45% max allowed. CRED 0007 Exception Cleared; | Funded C A |
| 900000902 | XXXX | 1055257 | 04/15/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified employment history - Both borrowers have been with their employers more than 5 years.; Low DTI - DTI is 33.69%, borrowers qualify for up to 50%; |  | Client: EV2 Non-Material | Funded C B |
| 900000902 | XXXX | 1055260 | 04/15/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | CD disclosed Estimated Property Costs over Year 1 of $0.00. Review calculated $XXX for HOA fees. ($XX/mth). |  | Verified employment history - Both borrowers have been with their employers more than 5 years.; Low DTI - DTI is 33.69%, borrowers qualify for up to 50%; | 5/14/2024 - Exception is overridden to EV2 with the attached PCCD and cover letter. US Mailbox to be applied. TRID 0204 Exception Remains;<br>4/25/2024 - Attached dry funding CD does not disclose the HOA fees. TRID 0204 Exception Remains; | Client: 5/14/2024 - Exception is overridden to EV2 with the attached PCCD and cover letter. US Mailbox to be applied. TRID 0204 Exception Remains; | Funded C B |
| 900000902 | XXXX | 1055557 | 04/16/2024 | Credit | Missing Required Fraud Tool | CRED 0089 | 1 | Closed | Missing fraud tool. Only the Loan Participant list from the (fraud report) was found in the file. | 04/18/2024 | Verified employment history - Both borrowers have been with their employers more than 5 years.; Low DTI - DTI is 33.69%, borrowers qualify for up to 50%; | 4/17/2024 - Exception is cleared with the attached fraud report. CRED 0089 Exception Cleared; | 4/17/2024 - Exception is cleared with the attached fraud report. CRED 0089 Exception Cleared; - 4/17/2024 - Exception is cleared with the attached fraud report. CRED 0089 Exception Cleared; | Funded C A |
| 900000902 | XXXX | 1055575 | 04/16/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing lender loan approval. | 04/18/2024 | Verified employment history - Both borrowers have been with their employers more than 5 years.; Low DTI - DTI is 33.69%, borrowers qualify for up to 50%; |  | 4/17/2024 - Exception is cleared with the attached UW Decision. APRV 0010 Exception Cleared; - 4/17/2024 - Exception is cleared with the attached UW Decision. APRV 0010 Exception Cleared; | Funded C A |
| 900000868 | XXXX | 1055596 | 04/17/2024 | Property | Appraisal is Incomplete | APPR 0002 | 2 | Acknowledged | Appraisal in file is on form 2055. Missing full appraisal or AVM as guidelines state for loan amount of $XXXXK. File contains Investor acknowledged exception for use of 2055. Guideline dated XX/XX/XX (2 days post Note execution) allows use of 2055 with loan amount up to $XXX. |  | Verified credit history - 743 fico w/a minimum requirement of 680.; Low DTI - 38.07% DTI w/a max allowed of 50%.; Low LTV/CLTV/HCLTV - 56.34% CLTV w/a max allowed of 85%.; |  | Client: Investor Acknowledged Exception | Funded C B |
| 900000873 | XXXX | 1055630 | 04/17/2024 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | The file contains an AVM and Property Condition Report to be used a valuation of $XXXX. There is an email to the borrower with delivery of an appraisal, value of $XXXX. Loan file is missing a copy of the original appraisal. Review is unable to determine why the full appraisal was obtained but not used. | 04/24/2024 | Verified employment history - The borrower has been with their current employer for 24 years.; Verified reserves - The borrower is receiving 29.58 months PITIA reserves in cash out proceeds, no reserves are required.; | 4/23/2024 - Recd processor cert, I (processor) sent an appraisal email to the borrower with the value of $XXXX when it should have been $XXXX. That was an error and typo on my end. I did not send an appraisal report to the borrower but the AVM report." (Refer APRV 0010). APPR 0076 Exception Cleared; | 4/23/2024 - Recd processor cert, I (processor) sent an appraisal email to the borrower with the value of $XXXX when it should have been $XXXX. That was an error and typo on my end. I did not send an appraisal report to the borrower but the AVM report." (Refer APRV 0010). APPR 0076 Exception Cleared; - 4/23/2024 - Recd processor cert, I (processor) sent an appraisal email to the borrower with the value of $XXXX when it should have been $XXXX. That was an error and typo on my end. I did not send an appraisal report to the borrower but the AVM report." (Refer APRV 0010). APPR 0076 Exception Cleared; | Funded C A |
| 900000873 | XXXX | 1055667 | 04/18/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Review DTI 30.72% / Approved DTI 19.44%, Approval does not include the P&I for the first mortgage. | 04/24/2024 | Verified employment history - The borrower has been with their current employer for 24 years.; Verified reserves - The borrower is receiving 29.58 months PITIA reserves in cash out proceeds, no reserves are required.; | 4/23/2024 - Exception is cleared with the attached updated 1008/UW Decision (Refer APPR 0076 Stip 4/23). APRV 0010 Exception Cleared; | 4/23/2024 - Exception is cleared with the attached updated 1008/UW Decision (Refer APPR 0076 Stip 4/23). APRV 0010 Exception Cleared; - 4/23/2024 - Exception is cleared with the attached updated 1008/UW Decision (Refer APPR 0076 Stip 4/23). APRV 0010 Exception Cleared; | Funded C A |
| 900000873 | XXXX | 1056196 | 04/24/2024 | Compliance | Compliance Submission Pending Update | COMP 0043 | 1 | Closed |  | 04/24/2024 | Verified employment history - The borrower has been with their current employer for 24 years.; Verified reserves - The borrower is receiving 29.58 months PITIA reserves in cash out proceeds, no reserves are required.; |  |  | Funded C A |
| 900001041 | XXXX | 1055560 | 04/16/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated xx/xx does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified housing payment history - 51 combined months of mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 789 for B1, and 811 for B2. All credit reflected on credit report is paid 0x30 with no late payments noted. ; | 4/22/2024 - Exception is cured with the attached PCCD. No restitution required, thus US Mailbox to be applied. TRID 0148 Exception Overridden to EV2; | Client: 4/22/2024 - Exception is cured with the attached PCCD. No restitution required, thus US Mailbox to be applied. TRID 0148 Exception Overridden to EV2; | Funded C B |
| 900001041 | XXXX | 1055571 | 04/16/2024 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 2 | Acknowledged | The Maximum Principal and Interest Payment Amount in column 1 of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (xxx), while the Calculated Projected Payments Table has a value of (xxx). |  | Verified housing payment history - 51 combined months of mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 789 for B1, and 811 for B2. All credit reflected on credit report is paid 0x30 with no late payments noted. ; | 7/16/2024 - Recd copy of corrected Note with calculated payment of xxx. <br>NOTE(S): <br>5/16/2024 - Recd borrower signed ROR with rescission expiration xx/xx/xx. <br>5/15/2024 - Recd PCCD, Cover Letter, Courier Tracking Slip, and Restitution Check xxx. Delivery to borrower completed 5/16 (Carrier Tracking #xxx).<br>TRID 0092 Exception Downgraded to EV2/B;<br>5/16/2024 - Recd borrower signed ROR dated xx/xx/xx. Rescission period expires xx/xx/xx. \*\* Still missing corrected Note with correct payment OR letter of explanation to borrower with evidence of trackable delivery to borrower with proof of principal reduction for the difference of the Note payment and the amortized payment. TRID 0092 Exception Remains;<br>5/15/2024 - Recd PCCD, Cover Letter, Courier Tracking Slip, and Restitution Check xxx. Delivery to borrower completed 5/16 (Carrier Tracking #xxx). \*\* No exception cleared. Missing evidence of rescission period being reopened (TRID 0089). Also missing corrected Note with correct payment OR letter of explanation to borrower with evidence of trackable delivery to borrower with proof of principal reduction for the difference of the Note payment and the amortized payment. TRID 0092 Exception Remains;<br>04/30/24 Recd from lender: Please see Compliance Testing. Closed in Seconds in xx use 365 days of interest. The problem is that Mavent, by default and design, uses 360 days (like all first lien loans require). It leads to a mismatch in finance charge. If we used 360 days of interest then the Mavent would fail for state rules. In short, Mavent is stepping on itself. Mavent report reflects fail. Fining remains, IB Mavent based on 365 days to be provided. | Client: 7/16/2024 - Recd copy of corrected Note with calculated payment of xxx. <br>NOTE(S): <br>5/16/2024 - Recd borrower signed ROR with rescission expiration xx/xx/xx. <br>5/15/2024 - Recd PCCD, Cover Letter, Courier Tracking Slip, and Restitution Check xxx. Delivery to borrower completed x/xx (Courier Tracking #xxx).<br>TRID 0092 Exception Downgraded to EV2/B; | Funded C B |
| 900001041 | XXXX | 1055743 | 04/18/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing Lender Approval. Unsigned 1008 only is in file. | 04/22/2024 | Verified housing payment history - 51 combined months of mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 789 for B1, and 811 for B2. All credit reflected on credit report is paid 0x30 with no late payments noted. ; | 4/19/2024 - Exception is cleared with the attached copy of the UW decision. APRV 0010 Exception Cleared; | 4/19/2024 - Exception is cleared with the attached copy of the UW decision. APRV 0010 Exception Cleared; - 4/19/2024 - Exception is cleared with the attached copy of the UW decision. APRV 0010 Exception Cleared; | Funded C A |
| 900000861 | XXXX | 1055700 | 04/18/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 2 | Acknowledged | 1003's reflect employment date of XX/XX/XX; however, The Work Number VOE reflects employment date of XX/XX/XX. Discrepancy not addressed. Review used 1003 employment date. |  | Verified housing payment history - 43 months of mortgage history paid 0x30 per credit reported. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt eliminating $2010 in total monthly payments. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000878 | XXXX | 1055646 | 04/17/2024 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 1 | Closed | Initial and Final 1003's reflect current property address number of XXXX; actual house number is XXXX. Borrower photo ID confirms XXXX as well. Credit report reflects XXXX as present street address since taken from 1003. | 05/06/2024 | Verified housing payment history - 82 combined months of mortgage payment history paid 0x30 per credit report. Borrower has an existing 2nd lien paid off with the subject transaction which reflects 0x30 history since XX/XXXX as well. ; Net tangible benefit - Borrower paid off $XXXX in debt with the subject transaction eliminating $XXX in total monthly payments. ; | 04/30/24 Updated CBR reflecting the correct borrower address received.<br>\*\*Finding remains, missing corrected final 1003. | 05/03/24 Updated final 1003 received. - 05/03/24 Updated final 1003 received. | Funded C A |
| 900000918 | XXXX | 1055636 | 04/17/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | First Mortgage Note requirements not met and listed as an ineligible Product/term, per the guideline. The subject 1st Mortgage Amortization of 540 months exceeds 30 YearS. No evidence of Investor exception located in file. |  | Verified housing payment history - 83 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt totaling $XXX with subject transaction eliminating $XXX in total monthly payments. ; | 06/04/24 Email received from investor confirming an exception was granted.<br>4/26/2024 - Attached closing disclosure and income calculation worksheet do not correspond with the exception. GIDE 0001 Exception Remains; | Client: Investor Acknowledged Exception | Funded C B |
| 900000918 | XXXX | 1055811 | 04/19/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | 49.70% DTI exceeds the max allowed per guidelines of 45%. Lender 1008 DTI reflected as 41.907%. Tape DTI reflected as 44.87%. Lender omitted the $XXXX Mortgage Insurance premium that is part of the subject property 1st lien payment per XXX Mortgage statement. Additionally Review calculated the borrower's base pay at a lower amount based on an average of XXXX and YTD income. |  | Verified housing payment history - 83 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt totaling $XXX with subject transaction eliminating $XXX in total monthly payments. ; | 06/04/24 Email received from investor confirming an exception was granted.<br>4/26/2024 (Refer to presentment GIDE 0001) - Recd PCCD and income calculation worksheet. \*\* No exception cleared. YTD income does not support wages at 40hrs/week. CRED 0004 Exception Remains; | Client: Investor Acknowledged Exception | Funded C B |
| 900000882 | XXXX | 1055662 | 04/18/2024 | Compliance | NMLS is missing as required 1026.36(g) | COMP 0041 | 1 | Closed | Mortgage is missing page 7 of 7 including NMLS information. | 05/03/2024 | Verified housing payment history - 52 combined months of mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score of B1 is 734 and B2 is 744. All credit history is paid 0x30 per credit report with active/open history dating back to XX/XXXX.; |  | 05/02/24 7 of 7 including NMLS information received. - 05/02/24 7 of 7 including NMLS information received. | Funded C A |
| 900000882 | XXXX | 1055666 | 04/18/2024 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Initial Application for B2 is not in file. | 04/30/2024 | Verified housing payment history - 52 combined months of mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score of B1 is 734 and B2 is 744. All credit history is paid 0x30 per credit report with active/open history dating back to XX/XXXX.; | 4/29/2024 - Exception is cleared with the attached copy of the B2 initial 1003 with disclosure tracking to evidence the application was esigned. B2 was added to the loan after the initial application by B1. APP 0004 Exception Cleared; | 4/29/2024 - Exception is cleared with the attached copy of the B2 initial 1003 with disclosure tracking to evidence the application was esigned. B2 was added to the loan after the initial application by B1. APP 0004 Exception Cleared; - 4/29/2024 - Exception is cleared with the attached copy of the B2 initial 1003 with disclosure tracking to evidence the application was esigned. B2 was added to the loan after the initial application by B1. APP 0004 Exception Cleared; | Funded C A |
| 900000882 | XXXX | 1055820 | 04/19/2024 | Property | Appraisal Value is not supported by comparables | APPR 0039 | 1 | Closed | Missing appraisal comparables to support value assessed of $XXXX. Subject appraisal reflects a total of four closed sales and one listing. Subject property is XXXX square feet. Only comp #1 reflects lower square footage to the subject and this comp is located XXX miles from the subject. Closest comp to the subject is Comp #3 that is XX mile from subject. This seems to be a further distance for a suburban location. Comps range in distance of XX to XX miles away. FNMA and FHLMC SSRs in file reflects risk scores of 4.0 and 3.0. Value is not supported by the comps provided. Missing comparables within close distance of the subject that support the value. | 05/07/2024 | Verified housing payment history - 52 combined months of mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score of B1 is 734 and B2 is 744. All credit history is paid 0x30 per credit report with active/open history dating back to XX/XXXX.; | 04/24/24 Duplicate copy of origination appraisal dated 03/06/24 received with FNMA/FHLMC SSR reports.<br>\*\*Finding remains, lender to provide CDA or BPO to support value of $XXXX used to qualify. Diligence pulled an AVM however the value was returned at $XXXX which is outside the acceptable 10% tolerance. | 05/07/24 CDA dated XX/XX/XX received supporting value of $XXXX. No significant deficiencies are noted with the exception of: The use of sales which are unsupported (non-bracketed) in site size (other). The reviewer reconciles at the same opinion of value as the OA. The overall reliability of the report is adequate and the Appraiser's opinion of value is reasonably well<br>supported.<br>- 05/07/24 CDA dated XX/XX/XX received supporting value of $XXXX. No significant deficiencies are noted with the exception of: The use of sales which are unsupported (non-bracketed) in site size (other). The reviewer reconciles at the same opinion of value as the OA. The overall reliability of the report is adequate and the Appraiser's opinion of value is reasonably well<br>supported. | Funded C A |
| 900000890 | XXXX | 1055676 | 04/18/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Approval not in file. Used 1008 for DTI. | 04/24/2024 | Established credit history - Active Tradelines date back 14 years with no reported lates.; Verified housing payment history - Credit report reflects more than 60 months mortgage history with no late payments.; | 4/23/2024 - Exception is cleared with the attached conditional approval. APRV 0001 Exception Cleared; | 4/23/2024 - Exception is cleared with the attached conditional approval. APRV 0001 Exception Cleared; - 4/23/2024 - Exception is cleared with the attached conditional approval. APRV 0001 Exception Cleared; | Funded D A |
| 900000890 | XXXX | 1055678 | 04/18/2024 | Compliance | Note is Incomplete | NOTE 0050 | 1 | Closed | Note not in file. Data captured from alternate docs for compliance testing. | 04/24/2024 | Established credit history - Active Tradelines date back 14 years with no reported lates.; Verified housing payment history - Credit report reflects more than 60 months mortgage history with no late payments.; | 4/23/2024 - Exception is cleared with the attached copy of the executed Note. NOTE 0050 Exception Cleared; | 4/23/2024 - Exception is cleared with the attached copy of the executed Note. NOTE 0050 Exception Cleared; - 4/23/2024 - Exception is cleared with the attached copy of the executed Note. NOTE 0050 Exception Cleared; | Funded C A |
| 900000890 | XXXX | 1055684 | 04/18/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD issued XX/XX/XX prior to closing disclosed an APR of 13.296%. Final CD issued XX/XX/XX disclosed an APR of 13.132%. Corrected CD with APR within tolerance required 3 business days prior to closing. <br>|  | Established credit history - Active Tradelines date back 14 years with no reported lates.; Verified housing payment history - Credit report reflects more than 60 months mortgage history with no late payments.; |  | Client: EV2 Non-Material | Funded C B |
| 900000890 | XXXX | 1055804 | 04/19/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing wage and income transcripts to support W2s in the file as required by guidelines. | 05/06/2024 | Established credit history - Active Tradelines date back 14 years with no reported lates.; Verified housing payment history - Credit report reflects more than 60 months mortgage history with no late payments.; |  | 05/03/24 Transcripts received. - 05/03/24 Transcripts received. | Funded C A |
| 900000890 | XXXX | 1055806 | 04/19/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal does not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Established credit history - Active Tradelines date back 14 years with no reported lates.; Verified housing payment history - Credit report reflects more than 60 months mortgage history with no late payments.; |  | Client: EV2 Non-Material | Funded C B |
| 900000875 | XXXX | 1055838 | 04/19/2024 | Credit | Insufficient verified reserves | CRED 0100 | 1 | Closed | CLTV exceeds 75%. No assets documented in the file and cash out proceeds are not sufficient to cover 1 months PITIA. | 04/30/2024 | Verified employment history - The borrower has been with their current employer for more than 15 years.; Low DTI - DTI is 34.16%, maximum DTI 50% for this borrower.; | 4/26/2024 - Exception is cleared with the attached pre-consummation dated asset statement documenting sufficient assets to cover reserve requirements. An additional post-consummation dated asset statement was provided. Review captured the balance from the most recent post-consummation dated statement as it had declined from the prior month. CRED 0100 Exception Cleared; | 4/26/2024 - Exception is cleared with the attached pre-consummation dated asset statement documenting sufficient assets to cover reserve requirements. An additional post-consummation dated asset statement was provided. Review captured the balance from the most recent post-consummation dated statement as it had declined from the prior month. CRED 0100 Exception Cleared; - 4/26/2024 - Exception is cleared with the attached pre-consummation dated asset statement documenting sufficient assets to cover reserve requirements. An additional post-consummation dated asset statement was provided. Review captured the balance from the most recent post-consummation dated statement as it had declined from the prior month. CRED 0100 Exception Cleared; | Funded C A |
| 900000877 | XXXX | 1055872 | 04/22/2024 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed |  | 04/25/2024 |  |  |  | Funded C A |
| 900000877 | XXXX | 1055918 | 04/22/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged |  |  |  |  |  | Funded C B |
| 900000883 | XXXX | 1055946 | 04/22/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing confirmation of co-borrowers termination date from prior employment. | 04/30/2024 | Verified housing payment history - 77 combined months of payment history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt totaling $XXXX with subject transaction eliminating $926 in total monthly payments. ; | 4/29/2024 - "The WVOE was pulled on (#/##/####) but was current as of (#/##/####). The borrower started working at (employer) on (#/##/####), there are clearly no gaps of employment and even if the borrower was still active it would have no bearing on our income or employment."\*\* Agree, no 30+ day employment gap confirmed. CRED 0082 Exception Cleared; | 4/29/2024 - "The WVOE was pulled on (#/##/####) but was current as of (#/##/####). The borrower started working at (employer) on (#/##/####), there are clearly no gaps of employment and even if the borrower was still active it would have no bearing on our income or employment."\*\* Agree, no 30+ day employment gap confirmed. CRED 0082 Exception Cleared; - 4/29/2024 - "The WVOE was pulled on (#/##/####) but was current as of (#/##/####). The borrower started working at (employer) on (#/##/####), there are clearly no gaps of employment and even if the borrower was still active it would have no bearing on our income or employment."\*\* Agree, no 30+ day employment gap confirmed. CRED 0082 Exception Cleared; | Funded C A |
| 900000889 | XXXX | 1055803 | 04/19/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Approval from loan file. Only an unsigned 1008 is in file. | 04/30/2024 | Verified housing payment history - 36 months of mortgage pay history on 1st lien paid 0x30 and 19 months on 2nd lien paid 0x30 per credit report and credit supplement in file.; Net tangible benefit - Borrowers paid off $XXX debt (existing HELOC of $XXXX and $XXX of consumer debt) eliminating $XXX in total payments. ; |  | 04/25/24 Lender loan approval received. - 04/25/24 Lender loan approval received. | Funded D A |
| 900000889 | XXXX | 1056096 | 04/23/2024 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 1 | Closed | Missing verification of employment dated within 10 days of the Note date. | 04/30/2024 | Verified housing payment history - 36 months of mortgage pay history on 1st lien paid 0x30 and 19 months on 2nd lien paid 0x30 per credit report and credit supplement in file.; Net tangible benefit - Borrowers paid off $XXX debt (existing HELOC of $XXXX and $XXX of consumer debt) eliminating $XXX in total payments. ; |  | 04/25/24 TWN VVOEs for B1/B2 completed XX/XX/XX received. - 04/25/24 TWN VVOEs for B1/B2 completed XX/XX/XX received. | Funded C A |
| 900000892 | XXXX | 1056108 | 04/24/2024 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 1 | Closed | Missing confirmed Borrower employment date. 1003's in file (initial and final) reflect borrower has been employed since the year XXXX. Written VOE in file reflects the year as XXXX. If WVOE is accurate, missing prior employment verification to confirm 2 years salaried employment. | 05/09/2024 | Verified housing payment history - 121 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; |  | 05/08/24 Corrected WVOE confirming borrower start date of XX/XX/XX received. - 05/08/24 Corrected WVOE confirming borrower start date of XX/XX/XX received. | Funded C A |
| 900000931 | XXXX | 1055903 | 04/22/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Approval from file. File contains an unexecuted 1008 only. | 04/30/2024 | Verified housing payment history - 144 combined months of mortgage payments paid 0x30 per credit repot. ; Net tangible benefit - Borrowers paid off consumer debt totaling xxx with subject transaction eliminating xx in total monthly payments. ; |  | 04/26/24 Lender loan approval received. - 04/26/24 Lender loan approval received. | Funded D A |
| 900000931 | XXXX | 1055912 | 04/22/2024 | Compliance | LE or CD NMLS Information is Deficient | TRID 0138 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated xx/xx/xx does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified housing payment history - 144 combined months of mortgage payments paid 0x30 per credit repot. ; Net tangible benefit - Borrowers paid off consumer debt totaling xxx with subject transaction eliminating xx in total monthly payments. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000931 | XXXX | 1056173 | 04/24/2024 | Property | Appraisal is Incomplete | APPR 0002 | 2 | Acknowledged | Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. File contains an AVM by xxx effective xx/xx/xx and separate SiteX Report by xx dated xx/xx/xx. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) Must be an approved AVM provider. |  | Verified housing payment history - 144 combined months of mortgage payments paid 0x30 per credit repot. ; Net tangible benefit - Borrowers paid off consumer debt totaling xxx with subject transaction eliminating xx in total monthly payments. ; | 5/15/2024 - Recd exterior PCI; condition is indicated to be good. Missing investor acknowledgment. Exception escalated to investor for review. | Cleared, TPR Error - Client: Investor Acknowledged Exception to accept AVM and separate exterior PCI.<br>Cleared, TPR Error | Funded C B |
| 900000931 | XXXX | 1056175 | 04/24/2024 | Property | Missing Property Condition | APPR 0020 | 1 | Closed | Missing exterior property inspection. | 05/15/2024 | Verified housing payment history - 144 combined months of mortgage payments paid 0x30 per credit repot. ; Net tangible benefit - Borrowers paid off consumer debt totaling xxx with subject transaction eliminating xx in total monthly payments. ; | 5/15/2024 - Recd exterior PCI; condition is indicated to be good. APPR 0020 Exception Cleared; | 5/15/2024 - Recd exterior PCI; condition is indicated to be good. APPR 0020 Exception Cleared; - 5/15/2024 - Recd exterior PCI; condition is indicated to be good. APPR 0020 Exception Cleared; | Funded C A |
| 900000931 | XXXX | 1056194 | 04/24/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing wage tax transcripts as required by guidelines for most recent two years on both borrowers. None in file. | 05/29/2024 | Verified housing payment history - 144 combined months of mortgage payments paid 0x30 per credit repot. ; Net tangible benefit - Borrowers paid off consumer debt totaling xxx with subject transaction eliminating xx in total monthly payments. ; | 05/29/24 B2 Wage & Income transcript received.<br>05/20/24 Recd from lender: Please review revised suspense. B2 is on xxx and guidelines do not require transcripts.<br>\*\*Finding remains, missing required transcripts. Per guidelines <br>Other types of income, Wage Earner & 1099 - Wage & Income Transcripts for the year(s) of qualifying income.<br>05/16/24 Wage & income transcripts received.<br>\*\*Finding remains, Missing Wage & income transcripts for B2. | 05/29/24 B2 Wage & Income transcript received.<br>05/16/24 Wage & income transcripts for B1 received. - 05/29/24 B2 Wage & Income transcript received.<br>05/16/24 Wage & income transcripts for B1 received. | Funded C A |
| 900000874 | XXXX | 1056216 | 04/25/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Missing Investor acceptance of Property type. Subject property location is reflected to be XXX per AVM in file. LRP Guidelines do not allow for XXXX property location. Investor may require a full Appraisal. |  | Verified housing payment history - 54 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with current employer for 21 years.; | 04/30/24 Investor Approved exception form dated 03/18/24 received. | Client: Investor Acknowledged Exception | Funded C B |
| 900000874 | XXXX | 1056307 | 04/25/2024 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 1 | Closed | XXXX A/#XXXX paid in full. The documentation provided indicates the collateral was traded in. Missing verification of the new installment debt, if any. No letter of explanation provided. | 05/06/2024 | Verified housing payment history - 54 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with current employer for 21 years.; | 04/30/24 Duplicate documentation verifying the trade in / payoff of XXX A/# XXXX received. <br>\*\*Finding remains, missing gap credit report to verify no new debt obtained. No LOE from the borrower provided. | 05/06/24 LOE from borrower received. Per LOE "I do not have a new account. This is the same as any other inquiries that took place in the month of February, when I was car shopping. I started working on trading in my expensive new car for a less expensive used one. But as we began the refinancing process, I chose to just sell my car to a local dealership and wait a few weeks for the refinance to be completed when I could just pay in cash for a less expensive vehicle replacement." - 05/06/24 LOE from borrower received. Per LOE "I do not have a new account. This is the same as any other inquiries that took place in the month of February, when I was car shopping. I started working on trading in my expensive new car for a less expensive used one. But as we began the refinancing process, I chose to just sell my car to a local dealership and wait a few weeks for the refinance to be completed when I could just pay in cash for a less expensive vehicle replacement." | Funded C A |
| 900000952 | XXXX | 1056280 | 04/25/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Missing Investor acceptance of Property type. Subject property location is reflected to be xxx, per the AVM in file. LRP Guidelines do not allow for xxx property location. Investor may require full appraisal. |  | Verified housing payment history - 39 combined months of mortgage payment history paid 0x30 per credit report. ; Verified credit history - Indicator credit scores for B1 is xxx and B2 is xxx. All credit has been paid 0x30 for past 37 months. ; | 04/30/24 Investor Approved Exception form received. | Client: Investor acknowledged exception. | Funded C B |
| 900000952 | XXXX | 1056309 | 04/25/2024 | Property | Appraisal Value is not supported by comparables | APPR 0039 | 2 | Acknowledged | AVM confidence score is xx < 90 Minimum Required. |  | Verified housing payment history - 39 combined months of mortgage payment history paid 0x30 per credit report. ; Verified credit history - Indicator credit scores for B1 is xxx and B2 is xxx. All credit has been paid 0x30 for past 37 months. ; | 05/20/24 The BPO on this loan has been received. The value was returned at xxx which a variance of -20.45% from the origination AVM value of xxx. Using the reduced value would result in an LTV/CLTV of 10.67% / 94.20%<br>05/15/24 BPO order placed at request of LRCP. | Client: EV2 Post-Close Full Appraisal dated xx/xx/xx received. Value returned at xxx which supports the AVM value of xxx used for LTV/CLTV calculation. | Funded C B |
| 900000876 | XXXX | 1056101 | 04/23/2024 | Property | Appraisal Value is not supported by comparables | APPR 0039 | 2 | Acknowledged | The loan was underwritten using an AVM. Per guideline the FSD score must be less than or equal to .10, however the AVM in the file reflects an FSD score of 0.12. No approved exception in the file. |  | Verified reserves - Including cash out proceeds the borrowers have 15 months PITIA reserves. No reserves required for this transaction.; Low DTI - DTI is 35.16%, up to 45% acceptable.; | 05/02/24 Email recd from investor: - We are ok with granting an exception for the AVM FSD. This loan was underwritten prior to our last guideline update. The old guidelines allowed for 0.13 regardless of AVM vendor. We told NAF we would allow on loans that closed prior to our last update. | Client: EV2 Investor Approved Exception | Funded C B |
| 900000922 | XXXX | 1056049 | 04/23/2024 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | Lender credit $XX < Fee Variance of $XX; allowable max charges for 10% tolerance $XX / Actual $XX. Difference is $XX. |  | Verified reserves - Between documented liquid funds and cash out proceeds, the borrowers have 17 months PITIA reserves. No reserves required.; Verified credit history - FICO 767, minimum required 680.; | 06/03/21 Delivery confirmed XX/XX/XX.<br>05/24/24 PC CD, LOE, copy of refund check, and Fed-Ex tracking received. Package not out for delivery. | Client: EV2 Post-Closing corrective action.-06/03/21 Delivery confirmed XX/XX/XX. XX/XX/XX PC CD, LOE, copy of refund check, and Fed-Ex tracking received. Package not out for delivery. | Funded C B |
| 900000922 | XXXX | 1056145 | 04/24/2024 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Missing LOE for the 30 day late on XXXX in XX/XX/XX. | 05/02/2024 | Verified reserves - Between documented liquid funds and cash out proceeds, the borrowers have 17 months PITIA reserves. No reserves required.; Verified credit history - FICO 767, minimum required 680.; |  | 05/01/24 Executed LOE received. - 05/01/24 Executed LOE received. | Funded C A |
| 900000922 | XXXX | 1056153 | 04/24/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal does not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified reserves - Between documented liquid funds and cash out proceeds, the borrowers have 17 months PITIA reserves. No reserves required.; Verified credit history - FICO 767, minimum required 680.; |  | Client: EV2 Non-Material | Funded C B |
| 900000919 | XXXX | 1056083 | 04/23/2024 | Credit | Questionable Occupancy | CRED 0117 | 1 | Closed | Loan approved as owner occupied. Borrower has owned subject property for many years, and has used as primary dwelling for 8 months. IDs, Tax bill and subject HOI shows borrower mailing address at prior primary XXXX. B2 pay stub dated XX/XX/XX shows borrower address of XXXX. Addresses in XXXX are more proximate to B2 place of employment in XXXX (approx. XX miles) Subject property is XXX miles from B2 job. | 05/03/2024 | Low LTV/CLTV/HCLTV - CLTV is 59.83%, up to 85% acceptable; Verified housing payment history - 45 months of 0x30 housing payment history documented in the file, 24 months required; | 05/01/24 Recd from lender: His office is XXXX located in XXXX but he actually travels for work within XXXX and XXXX areas, going to accounts that have his company machines (they are creators of XXXX) and he services and maintains their machines so he never actually goes to the office.<br>\*\*Finding remains, missing confirmation of remote employee from employer. | 05/03/24 Duplicate finding for Fraud 001. TPR Error - 05/03/24 Duplicate finding for Fraud 001. TPR Error | Funded C A |
| 900000919 | XXXX | 1056320 | 04/25/2024 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing documentation used to clear the fraud alerts:<br>-3rd party social verification for both borrowers<br>- Evidence borrower 2 works remotely<br>| 05/30/2024 | Low LTV/CLTV/HCLTV - CLTV is 59.83%, up to 85% acceptable; Verified housing payment history - 45 months of 0x30 housing payment history documented in the file, 24 months required; | 05/21/24 Recd from lender: Explanation from lender received with what appears to be a snip from B1 however, unable to verify explanation is from the borrower(s). Please provide copy of the original LOE or email as this was not present in the loan file for review. <br>05/01/24 Recd from lender: His office is XXXX located in XXXX but he actually travels for work within XXXX and XXX areas, going to accounts that have his company machines (they are creators of XXXX) and he services and maintains their machines so he never actually goes to the office.<br>SSA-89 Reports confirming Socials received.<br>\*\*Finding partially cleared- Social Security verification received. Missing documentation from employer to confirm B2 is a remote employee. | 05/02/24 SSA-89 reports received.<br>05/23/24 LOE from borrower received regarding remote work/employment. - 05/02/24 SSA-89 reports received.<br>05/23/24 LOE from borrower received regarding remote work/employment. | Funded C A |
| 900000919 | XXXX | 1056322 | 04/25/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing wage and income transcripts for both borrowers. | 05/03/2024 | Low LTV/CLTV/HCLTV - CLTV is 59.83%, up to 85% acceptable; Verified housing payment history - 45 months of 0x30 housing payment history documented in the file, 24 months required; |  | 05/03/24 Tax transcripts received. - 05/03/24 Tax transcripts received. | Funded C A |
| 900000885 | XXXX | 1056214 | 04/25/2024 | Credit | Title Issue affecting Lien Position | TITL 0003 | 2 | Acknowledged | Legal description attached to Mortgage differs from legal description in Preliminary Title Report. First sentence in Mortgage legal description refers to Area of XXXX. First sentence in Preliminary Title legal description refers to City of XXXX. |  | Verified employment history - Both borrowers have been with their current employers more than 10 years.; Verified reserves - Borrowers are receiving 9 months PITIA reserves from cash out proceeds, no reserves required.; | 04/30/24 Recd from lender: XX frequently uses the term area to describe the property's location but the actual legal address is in the city of XXXX. Title reads as below: The actual legal address begins with Lot XX in the 2nd paragraph. | Client: EV2 The lot and tract description and APN is an exact match. XXXX is not a different city, but is part of the city of XXXX. | Funded C B |
| 900000885 | XXXX | 1056426 | 04/26/2024 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Missing evidence of PITIA on XXXX, per final 1003 this is raw land retained as investment. The ownership, property type, certification of no hazard insurance is in the file for XXXX but no documentation for XXXX. This address is also not reflected in the fraud tool. | 05/03/2024 | Verified employment history - Both borrowers have been with their current employers more than 10 years.; Verified reserves - Borrowers are receiving 9 months PITIA reserves from cash out proceeds, no reserves required.; |  | 04/30/24 PRD for property received. Taxes updated. - 04/30/24 PRD for property received. Taxes updated. | Funded C A |
| 900000887 | XXXX | 1056315 | 04/25/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing evidence the LE issued on XX/XX/XX was received by borrower the same day. | 05/02/2024 | Verified credit history - Middle credit score 712 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 72.27% CLTV < 85% Max Allowed.; Low DTI - 29.49% DTI < 45% Max Allowed.; |  | 04/30/24 Disclosure tracking details confirming borrower receipt XX/XX/XX received. - 04/30/24 Disclosure tracking details confirming borrower receipt XX/XX/XX received. | Funded C A |
| 900000887 | XXXX | 1056378 | 04/26/2024 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing documentation used to address potential match on the fraud report watchlist results, XXXX. | 05/02/2024 | Verified credit history - Middle credit score 712 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 72.27% CLTV < 85% Max Allowed.; Low DTI - 29.49% DTI < 45% Max Allowed.; |  | 04/03/24 OFAC search received. - 04/03/24 OFAC search received. | Funded C A |
| 900000887 | XXXX | 1056383 | 04/26/2024 | Credit | Missing Proof Judgement and/or Tax Lien Paid/Released | CRED 0024 | 2 | Acknowledged | Missing affidavit that the records returned under borrower name searched do not belong to the borrower. |  | Verified credit history - Middle credit score 712 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 72.27% CLTV < 85% Max Allowed.; Low DTI - 29.49% DTI < 45% Max Allowed.; |  | Client: 04/30/24 Email from title received confirming Judgments did not belong to the borrower. | Funded C B |
| 900000982 | XXXX | 1056519 | 04/29/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing final title policy to confirm title insurance policy insured amount is xxx. Commitment in file reflects xxx (p. 349). | 05/20/2024 | Verified housing payment history - 51 months of mortgage payments paid 0x30 per credit report and credit supplement. ; Low LTV/CLTV/HCLTV - Low 47.172% CLTV. Guideline allows up to 85% with Fico > 700. ; |  | 05/20/24 Final title policy confirming insured amount of $253,000. - 05/20/24 Final title policy confirming insured amount of $253,000. | Funded C A |
| 900000982 | XXXX | 1056555 | 04/29/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing verbal online confirmation. Yellow page lookup in file reflects business name as (self employment business). Borrower business is not Incorporated. |  | Verified housing payment history - 51 months of mortgage payments paid 0x30 per credit report and credit supplement. ; Low LTV/CLTV/HCLTV - Low 47.172% CLTV. Guideline allows up to 85% with Fico > 700. ; | 6/13/2024 - Exception is downgraded to EV2 with the attached post-consummation dated (tax preparer) letter and copies of active business licenses, which are in support of the pre-consummation (tax preparer) letter dated > 10 days prior to closing with two years tax returns and YTD P&L provided in file. CRED 0082 Exception Downgraded to EV2;<br>\*\*Pending Investor review.<br>05/23/24 Copies of borrower's business license received.<br>\*\*Pending Investor review.<br>04/30/24 Recd from lender: The a CPA verifying employment dated (#/#/####), note is dated (#/#). This is acceptable for (agency), is not for (investor)? The VOE is based on the CPA letter in file.<br>\*\* Finding remains, Missing re-verification of self-employment w/in 10 days of the Note date (##/##/##). Per guideline, Lenders must obtain a verbal verification of employment (VVOE) for each borrower using employment or self-employment income to qualify. The VVOE must be obtained within 10 business days prior to the note date for employment income, and within 30 calendar days prior to the note date for self-employment income. | Mitigated Risk: 6/13/2024 - Exception is downgraded to EV2 with the attached post-consummation dated (tax preparer) letter and copies of active business licenses, which are in support of the pre-consummation (tax preparer) letter dated > 10 days prior to closing with two years tax returns and YTD P&L provided in file. CRED 0082 Exception Downgraded to EV2; | Funded C B |
| 900000908 | XXXX | 1056792 | 05/01/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Approval from file. File contains an unexecuted 1008 only and lender file overview but no dated approval in file. | 05/07/2024 | Verified housing payment history - 127 months of combined mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt with subject transaction eliminating $XX in total monthly payments. ; |  | 05/06/24 Lender loan approval received. - 05/06/24 Lender loan approval received. | Funded D A |
| 900000908 | XXXX | 1056797 | 05/01/2024 | Compliance | Missing Condo Rider | DEED 0012 | 1 | Closed | Missing Condo Rider to the Mortgage in file. Page 6 of 8 of the Mortgage indicates a Condo Rider was executed. | 05/07/2024 | Verified housing payment history - 127 months of combined mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt with subject transaction eliminating $XX in total monthly payments. ; |  | 05/06/24 Executed condo rider received. - 05/06/24 Executed condo rider received. | Funded C A |
| 900000908 | XXXX | 1056848 | 05/01/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 2 | Acknowledged | Final executed CD in file reflects loan disbursed on XX/XX/XX which is the same date of the ROR rescission expiration. Interest To/From dates under prepaid interest reflect Interest start date of XX/XX/XX. No final settlement statement to confirm actual disbursement date. |  | Verified housing payment history - 127 months of combined mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt with subject transaction eliminating $XX in total monthly payments. ; | 5/9/2024 - Recd PCCD and LOE with US Mail Box to be applied. Refund to borrower not required as the settlement statement and PCCD confirms disbursement XX/XX/XX with interest from XX/XX. TRID 0204 Exception Overridden to EV2;<br>05/06/24 Final settlement statement reflecting a disbursement date of XX/XX/XX received.<br>\*\*Finding remains, Missing LOE to borrower and PCCD CD reflecting the actual disbursement date and interest from date of XX/XX/XX per the HUD. Borrower is also entitled to refund in 2 days interest. | Client: 5/9/2024 - Recd PCCD and LOE with US Mail Box to be applied. Refund to borrower not required as the settlement statement and PCCD confirms disbursement XX/XX with interest from XX/XX. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000908 | XXXX | 1056865 | 05/01/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Lender disclosed 12 months of HOA payments of $XXX. Source of Lender's HOA value is unknown. Appraisal reflects $XXX per month and another document reflects $XXX. |  | Verified housing payment history - 127 months of combined mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt with subject transaction eliminating $XX in total monthly payments. ; | 5/9/2024 - Recd PCCD and LOE. TRID 0204 Exception Overridden to EV2; | Client: 5/9/2024 - Recd PCCD and LOE. TRID 0204 Exception Overridden to EV2; | Funded C B |
| 900000908 | XXXX | 1056871 | 05/01/2024 | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 1 | Closed | Interest To/From dates on final CD reflect Interest start date of XX/XX/XX. Disbursement date on page one of the CD in Closing Information section reflects disbursement date of XX/XX/XX. Property is located in State of XX. | 05/07/2024 | Verified housing payment history - 127 months of combined mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt with subject transaction eliminating $XX in total monthly payments. ; |  | 05/06/24 Final settlement statement reflecting a disbursement date of XX/XX/XX received. - 05/06/24 Final settlement statement reflecting a disbursement date of XX/XX/XX received. | Funded C A |
| 900000908 | XXXX | 1056874 | 05/01/2024 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing evidence of borrower's individual Homeowner's policy premium cost. Policy reflects premium due is $0.00. No HOI was included in PITIA for the subject property. Condo master policy is in file. Unable to determine borrower's monthly obligation for hazard insurance as policy reflects premium is paid. | 05/10/2024 | Verified housing payment history - 127 months of combined mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt with subject transaction eliminating $XX in total monthly payments. ; | 5/9/2024 - Exception is cleared with EOI. CRED 0103 Exception Cleared;<br>05/08/24 Recd from lender: (No Impounds were collected. Taxes and Insurance was waived and reflected on the final CD. However, for qualifying purposes, we have included the taxes and insurance. See final CD and 1008)<br>\*\*Finding remains, H06 policy premium for the subject must be verified and documented regardless if it is included in the escrows for the first lien. | 5/9/2024 - Exception is cleared with EOI. CRED 0103 Exception Cleared; - 5/9/2024 - Exception is cleared with EOI. CRED 0103 Exception Cleared; | Funded C A |
| 900000908 | XXXX | 1056891 | 05/01/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing prior two years Wage transcripts for B2 as required per guidelines. | 05/16/2024 | Verified housing payment history - 127 months of combined mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt with subject transaction eliminating $XX in total monthly payments. ; | 05/08/24 Recd from lender: (We provided XX/XX W2's with VOE for B2. Agency guidelines does not a require prior 2 years wage transcripts for a wager earner. If this is an overlay, please provide the supporting guideline).<br>\*\*Finding remains per LRCP guide Income / Tax transcripts (pg 8/11) - Wage Earner & 1099 require Wage & Income transcripts for year(s) of qualifying income. | 05/06/24 XX/XX Wage transcripts for B2 received. - 05/06/24 XX/XX Wage transcripts for B2 received. | Funded C A |
| 900000947 | XXXX | 1056857 | 05/01/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified reserves - 22 mths verified reserves w/subject cash out proceeds w/a minimum requirement of 2.; Low DTI - 30.27% DTI w/a max allowed of 45%.; |  | Client: EV2 Non-Material | Funded C B |
| 900000947 | XXXX | 1056858 | 05/01/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Approval. Only an unexecuted 1008 is in file. | 05/10/2024 | Verified reserves - 22 mths verified reserves w/subject cash out proceeds w/a minimum requirement of 2.; Low DTI - 30.27% DTI w/a max allowed of 45%.; | 5/9/2024 - Received UW decision. APRV 0001 Exception Cleared; | 5/9/2024 - Received UW decision. APRV 0001 Exception Cleared; - 5/9/2024 - Received UW decision. APRV 0001 Exception Cleared; | Funded D A |
| 900000947 | XXXX | 1056953 | 05/02/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed in accordance to Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations |  | Verified reserves - 22 mths verified reserves w/subject cash out proceeds w/a minimum requirement of 2.; Low DTI - 30.27% DTI w/a max allowed of 45%.; |  | Client: EV2 Non-Material | Funded C B |
| 900000947 | XXXX | 1057612 | 05/10/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 05/10/2024 | Verified reserves - 22 mths verified reserves w/subject cash out proceeds w/a minimum requirement of 2.; Low DTI - 30.27% DTI w/a max allowed of 45%.; |  |  | Funded C A |
| 900000897 | XXXX | 1057077 | 05/03/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing most recent 2 years wage tax transcripts as required per guidelines. | 05/09/2024 | Verified housing payment history - 136 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - Borrower has been on job for 14 years.; Income verified was not used in qualifying - Borrower has history of earning additional income that was not considered in qualifying. ; |  | 05/07/24 XXXX/XXXX Wage & Income transcripts received. - 05/07/24 XXXX/XXXX Wage & Income transcripts received. | Funded C A |
| 900000921 | XXXX | 1057118 | 05/06/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in total monthly debt. ; Verified housing payment history - 50 months of combined mortgage payment history paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000921 | XXXX | 1057162 | 05/06/2024 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | Page 1 reflects the subject is not currently listed and has not been listed w/in the past 12 mths. On page 2 of the appraisal the appraiser indicates subject property is currently offered for sale. Appraiser to address discrepancy and update accordingly. | 05/09/2024 | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in total monthly debt. ; Verified housing payment history - 50 months of combined mortgage payment history paid 0x30 per credit report. ; |  | 05/08/24 Updated appraisal received. Page 2 updated to reflect that the Subject property is currently not offered for sale. - 05/08/24 Updated appraisal received. Page 2 updated to reflect that the Subject property is currently not offered for sale. | Funded C A |
| 900000912 | XXXX | 1056951 | 05/02/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Approval from file. Unexecuted 1008 only is in file. | 05/10/2024 | Verified housing payment history - 125 combined months of mortgage payments paid 0x30 per credit report. ; | 5/9/2024 - Recd underwriting approval. APRV 0001 Exception Cleared; | 5/9/2024 - Recd underwriting approval. APRV 0001 Exception Cleared; - 5/9/2024 - Recd underwriting approval. APRV 0001 Exception Cleared; | Funded D A |
| 900000912 | XXXX | 1058337 | 05/15/2024 | Compliance | LE or CD Projected Payments Section is Deficient | TRID 0144 | 2 | Acknowledged | Final CD reflects that taxes and insurance were to be escrowed. No escrows were established. Confirmed 1st lien is escrowed. |  | Verified housing payment history - 125 combined months of mortgage payments paid 0x30 per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000938 | XXXX | 1056961 | 05/02/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Approval from file. Only unexecuted 1008 in file. | 05/10/2024 |  | 5/10/2024 - Received conditional approval. APRV 0001 Exception Cleared; | 5/10/2024 - Received conditional approval. APRV 0001 Exception Cleared; - 5/10/2024 - Received conditional approval. APRV 0001 Exception Cleared; | Funded D A |
| 900000938 | XXXX | 1057236 | 05/07/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing final title to confirm insured for minimum of xxx. Prelim in file does not disclose proposed insured amount. | 05/10/2024 |  | 5/9/2024 - Received title supplement with coverage sufficient to cover the note amount. TITL 0013 Exception Cleared; | 5/9/2024 - Received title supplement with coverage sufficient to cover the note amount. TITL 0013 Exception Cleared; - 5/9/2024 - Received title supplement with coverage sufficient to cover the note amount. TITL 0013 Exception Cleared; | Funded C A |
| 900000938 | XXXX | 1057384 | 05/08/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Missing investor acknowledgment of separate AVM and PCI. File contains an AVM from xxx with Confidence score of 89/ FSD 11 and separate Post Disaster inspection w/interior and exterior photos. (xxx not on approved AVM vendor list). |  |  | 05/21/24 Lender provided PC AVM. AVM returned w/a value of xxx but the confidence score was 82, FSD 0.18. <br>\*\* Finding remains, AVM is not sufficient as the max FSD score per the guideline is 0.13. | Client: 06/03/24 Investor Acknowledged Exception to accept value from AVM with PC BPO that supported value w/in 5% tolerance. | Funded C B |
| 900000896 | XXXX | 1057266 | 05/07/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified housing payment history - 69 combined months of housing paid 0x30 per credit report.; Net tangible benefit - Borrowers paid off $XXXX in consumer debt with subject refinance eliminating $XXXX in monthly debt. ; |  | Client: EV2 Non-Material. | Funded C B |
| 900000896 | XXXX | 1057386 | 05/08/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | B1 paystub (date) reflects YTD gross income of ($XX,XXX) which does not calculate to the monthly salary earnings. Paystub ending (date) reflects YTD ($#,###). Discrepancy must be satisfactorily addressed. | 05/14/2024 | Verified housing payment history - 69 combined months of housing paid 0x30 per credit report.; Net tangible benefit - Borrowers paid off $XXXX in consumer debt with subject refinance eliminating $XXXX in monthly debt. ; | 5/10/2024 - Exception re-reviewed and cleared; no discrepancy noted. CRED 0082 Exception Cleared; | 5/10/2024 - Exception re-reviewed and cleared; no discrepancy noted. CRED 0082 Exception Cleared; - 5/10/2024 - Exception re-reviewed and cleared; no discrepancy noted. CRED 0082 Exception Cleared; | Funded C A |
| 900001040 | XXXX | 1057412 | 05/08/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing verification from the property owner that the borrower lives rent free. | 07/24/2024 | Verified reserves - xxx in cash out proceeds received or 20.37 months PITIA reserves. Two months required.; Verified credit history - The borrower's credit history dates back xx years with no reported lates.; | 7/22/2024 - Exception is cleared with the attached rent free letter from the owners of borrowers primary residence. CRED 0093 Exception Cleared;<br>6/25/2024 - "I believe I mentioned earlier on I'm still in the (armed forces branch) for the State California. Every time I deploy, I update my address and have all important documents to be forwarded to my parent's (city) residence; that's where my wife usually stays with since I do not like leaving my wife alone at home during my deployments. I forgot to update my records from this last deployment - but we usually go paperless since it's so easier to access. " \*\* No exception cleared. Missing verification from the property owners, (address), that the borrower's reside rent free. CRED 0093 Exception Remains; | 7/22/2024 - Exception is cleared with the attached rent free letter from the owners of borrowers primary residence. CRED 0093 Exception Cleared;<br>- 7/22/2024 - Exception is cleared with the attached rent free letter from the owners of borrowers primary residence. CRED 0093 Exception Cleared; | Approved C |
| 900001040 | XXXX | 1057413 | 05/08/2024 | Property | Appraisal Value is not supported by comparables | APPR 0039 | 2 | Acknowledged | Per guidelines, when using an AVM (vendor) the confidence score must be less than or equal to .10, the confidence score for this loan is .15. Missing approved exception. |  | Verified reserves - xxx in cash out proceeds received or 20.37 months PITIA reserves. Two months required.; Verified credit history - The borrower's credit history dates back xx years with no reported lates.; | 06/11/24 BPO received, value returned at xxx. Email sent to LRCP. | Client: Investor acknowledged exception with Post-Close BPO supporting value. | Approved C B |
| 900000899 | XXXX | 1057474 | 05/09/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Lender approved DTI 21.51%, Review DTI 32.43%. Variance appears to be due to borrower 2's wage income being doubled. The borrower's monthly income is $XXXX, the final 1003 reflects this but includes the income again from an additional employer with no employer information. Income used to qualify on the 1008 for this borrower reflects $XXXX monthly. Max allowed DTI per program 45% |  | Verified reserves - $XXXX in cash out proceeds received or 12.64 months PITIA reserves. No reserves required.; Verified credit history - FICO 798, minimum required 680.; |  | Client: EV2 DTI variance exceeds 3% but is well under the max allowed of 45% | Funded C B |
| 900000957 | XXXX | 1057321 | 05/07/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing tax transcripts as required by guideline to support the 1099-R and SSA-1099s in the file. | 06/04/2024 | Verified reserves - No reserves are required, borrower is receiving 8.87 months PITIA reserves from the cash out proceeds.; Low LTV/CLTV/HCLTV - CLTV is below 40%.; Verified ownership of subject property - The borrowers have owned the subject property since xxxx.; |  | 06/03/24 xxxx/xxxx Wage & income transcripts for B1/B2 received. - 06/03/24 xxxx/xxxx Wage & income transcripts for B1/B2 received. | Funded C A |
| 900000929 | XXXX | 1057293 | 05/07/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal does not contain verbiage affirming that it was prepared in accordance with Title XI of FIRREA and any implementing regulations. Appraisal does not meet CFPB Safe Harbor criteria for HPML Appraisals. |  | Verified reserves - No reserves required, $xxx in cash out proceeds received or 11.85 months.; Verified housing payment history - 25x0x30 mortgage payment history on the first mortgage. 117x0x30 for mortgages in credit history.; |  | Client: EV2 Non-Material | Funded C B |
| 900000929 | XXXX | 1057382 | 05/08/2024 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 1 | Closed | Missing verification of the credit account xxx account included in DTI with a payment and balance of xx. This liability does not appear on the credit report and no alternative documentation was located in the file. Payments are reflected on the bank statement in the file but the terms and payment history are not documented. | 05/30/2024 | Verified reserves - No reserves required, $xxx in cash out proceeds received or 11.85 months.; Verified housing payment history - 25x0x30 mortgage payment history on the first mortgage. 117x0x30 for mortgages in credit history.; | 5/13/2024 - "It is undisclosed debt reflected on the bank statements included in the Income e-folder. \*\* Missing creditor billing statement or credit supplement. Per FNMA, For each liability, the lender must determine the unpaid balance, the terms of repayment, and the borrower's payment history, and verify any other liability that is not shown on a credit report by obtaining documentation from the borrower or creditor. CRED 0097 Exception Remains; | 05/28/24 Copies of payment agreements received. 3 payments plans with payments totaling xx verified. - 05/28/24 Copies of payment agreements received. 3 payments plans with payments totaling xx verified. | Funded C A |
| 900000958 | XXXX | 1057361 | 05/08/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | UPDATED: Unable to validate lender disclosed Taxes, Insurance, & Assessments of xxx for taxes, insurance, and HOA fees w/ Estimated Property Costs over Year 1 of xxx (11 mths). Variance appears to be due to lender including monthly HOA fee of xxx. Unable to verify as appraisal does not reflect the subject to be in a PUD or have HOA Dues. Review calculated Taxes, Insurance, & Assessments of xxx with estimated Property Costs over Year 1 of xxx (11 mths).<br>ORIGINAL: Unable to validate lender disclosed Taxes, Insurance, & Assessments of xxx for taxes, insurance, and HOA fees w/ Estimated Property Costs over Year 1 of xxx (11 mths). Variance appears to be due to lender including monthly HOA fee of xxx. Unable to verify as appraisal does not reflect the subject to be in a PUD or have HOA Dues. Review calculated Taxes, Insurance, & Assessments of xxx with estimated Property Costs over Year 1 of xxx (11 mths). |  | Loan Term < or = 15 year - Subject Note reflects a 15 year term when guidelines allow up to 30 years. ; Income verified was not used in qualifying - Borrower borrowers have longevity on the job with history of earning more than base salary based on paystubs and W2's provided. Only the base pay was included in qualifying on both borrowers. ; |  | Client: EV2 Post-Closing corrective action- Corrected PC CD and LOE received xx/xx/xx. | Funded C B |
| 900000958 | XXXX | 1057476 | 05/09/2024 | Credit | Credit Score (FICO) exception | CRED 0003 | 2 | Acknowledged | Primary wage earner mid fico of xxx does not meet the minimum requirement of xxx. |  | Loan Term < or = 15 year - Subject Note reflects a 15 year term when guidelines allow up to 30 years. ; Income verified was not used in qualifying - Borrower borrowers have longevity on the job with history of earning more than base salary based on paystubs and W2's provided. Only the base pay was included in qualifying on both borrowers. ; | 06/11/24 Email received from investor, ok to proceed with rescored fico.<br>05/23/24 Updated CBR received with LOE from lender. Rescore based on the follow" The Credit ReScore request for xxxxis now complete. You may proceed with one of the following options to receive updated credit data" LO LOE "When I first ran their credit and uploaded it to the file on 3/5, B1's median score was too low at xxx. We worked on her credit and completed a rapid rescore to get it up to xxx. The rapid rescore was completed and the higher credit score was confirmed on 3/20 but it still references the original report date because it's within 30 days." <br>\*\*Finding remains, Per FNMA "Acceptable and Unacceptable Changes<br>Collected credit report information should not be changed. However, it is permissible to delete duplicate information, translate codes to plain language, and make appropriate adjustments to resolve conflicting information to ensure the clarity of the report.<br>The following types of changes are unacceptable:<br>Deleting tradelines that pertain to a borrower's bankruptcy,<br>Adding a payment amount to a creditor's tradeline when the creditor does not require a payment, or<br>Restricting information collection to a shorter time period than Fannie Mae requires.<br>Credit repositories should only change the information called to its attention by a creditor or a party that is not associated with either the real estate sale or purchase transaction or the mortgage financing. | Client: Investor Acknowledged exception to accept rescored fico. | Funded C B |
| 900000933 | XXXX | 1057473 | 05/09/2024 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 1 | Closed | There are two hazard insurance policies in the file, one through policy number xxx, one through policy number xxx. Both have effective dates of xx/xx/xx and there is no evidence of payment for either policy. The policy is considered in HTI. | 05/30/2024 | Verified employment history - The borrower has been with their current employer for more than 20 years.; Verified reserves - Borrower is receiving xxx or 38.43 months PITIA in cash out proceeds, no reserves required.; |  | 05/28/24 Verification both policies were paid in full received. - 05/28/24 Verification both policies were paid in full received. | Funded C A |
| 900000933 | XXXX | 1057475 | 05/09/2024 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 1 | Closed | Missing verification of the solar lease payment terms, per the 1003 Creditor xxx payment xxx balance xxx was included in DTI. | 05/14/2024 | Verified employment history - The borrower has been with their current employer for more than 20 years.; Verified reserves - Borrower is receiving xxx or 38.43 months PITIA in cash out proceeds, no reserves required.; | 5/13/2024 - Recd solar lease; Payment balance is based on the 12th year payment schedule. CRED 0097 Exception Cleared; | 5/13/2024 - Recd solar lease; Payment balance is based on the 12th year payment schedule. CRED 0097 Exception Cleared; - 5/13/2024 - Recd solar lease; Payment balance is based on the 12th year payment schedule. CRED 0097 Exception Cleared; | Funded C A |
| 900000910 | XXXX | 1057423 | 05/08/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Loan approval from file. File contains an unexecuted 1008 only. | 05/14/2024 | Verified housing payment history - 109 combined months of 1st lien mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXX of consumer debt with subject transaction eliminating $XXX in monthly debt. ; | 5/13/2024 - Recd UW Decision. APRV 0001 Exception Cleared; | 5/13/2024 - Recd UW Decision. APRV 0001 Exception Cleared; - 5/13/2024 - Recd UW Decision. APRV 0001 Exception Cleared; | Funded D A |
| 900000910 | XXXX | 1057424 | 05/08/2024 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal description as referenced in Mortgage Deed of Trust is missing and not included as referenced (Exhibit A). A copy of Schedule C has been placed but Mtg DOT Exhibit A is missing. | 05/14/2024 | Verified housing payment history - 109 combined months of 1st lien mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXX of consumer debt with subject transaction eliminating $XXX in monthly debt. ; | 5/13/2024 - Recd Deed of Trust with Exhibit A. DEED 0021 Exception Cleared; | 5/13/2024 - Recd Deed of Trust with Exhibit A. DEED 0021 Exception Cleared; - 5/13/2024 - Recd Deed of Trust with Exhibit A. DEED 0021 Exception Cleared; | Funded C A |
| 900000910 | XXXX | 1057429 | 05/08/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Unable to confirm due to missing hazard policy. Using disclosed hazard amount from 1008. Reviewer matches. | 05/14/2024 | Verified housing payment history - 109 combined months of 1st lien mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXX of consumer debt with subject transaction eliminating $XXX in monthly debt. ; | 5/13/2024 - Exception is cleared with the attached EOI. TRID 0204 Exception Cleared; | 5/13/2024 - Exception is cleared with the attached EOI. TRID 0204 Exception Cleared; - 5/13/2024 - Exception is cleared with the attached EOI. TRID 0204 Exception Cleared; | Funded C A |
| 900000910 | XXXX | 1057432 | 05/08/2024 | Credit | Missing evidence of Hazard Insurance | HAZ 0005 | 1 | Closed | Missing evidence of Hazard insurance coverage/declarations page or policy from the file. Lender used a monthly premium amount of $XXX in qualifying. Missing evidence of Hazard Insurance coverage with proof annual premium does not exceed $XXX with proof it is paid. | 05/14/2024 | Verified housing payment history - 109 combined months of 1st lien mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXX of consumer debt with subject transaction eliminating $XXX in monthly debt. ; | 5/13/2024 - Exception is cleared with the attached EOI. HAZ 0005 Exception Cleared; | 5/13/2024 - Exception is cleared with the attached EOI. HAZ 0005 Exception Cleared; - 5/13/2024 - Exception is cleared with the attached EOI. HAZ 0005 Exception Cleared; | Funded D A |
| 900000910 | XXXX | 1057440 | 05/08/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified housing payment history - 109 combined months of 1st lien mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXX of consumer debt with subject transaction eliminating $XXX in monthly debt. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000937 | XXXX | 1057509 | 05/09/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing verification of previous employment dates for borrower 1 with Employer. | 05/23/2024 | Verified reserves - Borrower is receiving xxx or 22.67 months PITIA in cash out proceeds, xxx required.; Low DTI - DTI 21.01%, up to 50% allowable; |  | 05/23/24 Exception cleared, guideline clarification from lender received. VVOE for previous employment not required when documented with previous years W2s. - 05/23/24 Exception cleared, guideline clarification from lender received. VVOE for previous employment not required when documented with previous years W2s. | Funded C A |
| 900000937 | XXXX | 1057532 | 05/09/2024 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 1 | Closed | Missing verification of employment within 10 days of closing for borrower 1, the only VOE in the file for this borrower is dated xx/xx/xx. Loan closed xx/xx/xx. | 05/14/2024 | Verified reserves - Borrower is receiving xxx or 22.67 months PITIA in cash out proceeds, xxx required.; Low DTI - DTI 21.01%, up to 50% allowable; | 5/10/2024 - Exception re-reviewed and cleared; VOE dated within 10 days of the Note date located in file. CRED 0072 Exception Cleared; | 5/10/2024 - Exception re-reviewed and cleared; VOE dated within 10 days of the Note date located in file. CRED 0072 Exception Cleared; - 5/10/2024 - Exception re-reviewed and cleared; VOE dated within 10 days of the Note date located in file. CRED 0072 Exception Cleared; | Funded C A |
| 900001517 | XXXX | 1057387 | 05/08/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan Approval form not in file. 1008 on page xxx. | 05/14/2024 | Verified housing payment history - 39x0x30x mortgage payment history.; Verified employment history - The borrower has been with their current employer more than xxx years.; | 5/14/2024 - Recd uw conditional approval. APRV 0001 Exception Cleared; | 5/14/2024 - Recd uw conditional approval. APRV 0001 Exception Cleared; - 5/14/2024 - Recd uw conditional approval. APRV 0001 Exception Cleared; | Funded D A |
| 900001517 | XXXX | 1057391 | 05/08/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | Missing valid COC for LE issued xx/xx/xx. COC on page xxx does not explain why fees are increasing. No fee tolerance exception. | 06/13/2024 | Verified housing payment history - 39x0x30x mortgage payment history.; Verified employment history - The borrower has been with their current employer more than xxx years.; |  | 06/11/24 Exception set in error, no fee violation. - 06/11/24 Exception set in error, no fee violation. | Funded C A |
| 900001517 | XXXX | 1057393 | 05/08/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed amount = $xxx, calculated amount = $xxx. 1008 shows higher amounts for property tax $xxx and insurance $xxx. Reviewer used pg. xxx for tax $xxx and pg. xxx/xxx for insurance $xxx. |  | Verified housing payment history - 39x0x30x mortgage payment history.; Verified employment history - The borrower has been with their current employer more than xxx years.; |  | Client: EV2 Post-Closing corrective action. xx/xx/xx PC CD and LOE to borrower received. | Funded C B |
| 900001517 | XXXX | 1057546 | 05/09/2024 | Credit | Missing Payoff/Demand Statement | DMND 0003 | 1 | Closed | Missing payoff/statement for the following debts paid at closing, the balance reflected on the final CD does not match the balance reported on credit:<br>(Creditor) xxxx balance on credit report $xxx, balance paid at closing $xxx.<br>(Creditor) xxxx balance on credit report $xxx, , balance paid at closing $xxx.<br>(Creditor) xxxx balance on credit report $xxx, balance paid at closing $xxx. | 09/25/2024 | Verified housing payment history - 39x0x30x mortgage payment history.; Verified employment history - The borrower has been with their current employer more than xxx years.; | 09/24/24 Discover statement and payoff confirmation from Ally received. <br>xx/xx/xx (Creditor) statement received, finding partially cleared. <br>\*\*Still outstanding are copies of the statements for (Creditor) xxxx and (Creditor) xxxx. | 09/24/24 (Creditor) statement and payoff confirmation from (creditor) received. xx/xx/xx (Creditor) statement received. - 09/24/24 (Creditor) statement and payoff confirmation from (creditor) received. xx/xx/xx (Creditor) statement received. | Funded C A |
| 900001517 | XXXX | 1057550 | 05/09/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Updated 09/24/24 Approved exception - DTI exceeds 45%. Borrower does not qualify for 50% DTI due to FICO and residual income less than $xxx. Approved DTI 47.006%, review DTI 49.43% |  | Verified housing payment history - 39x0x30x mortgage payment history.; Verified employment history - The borrower has been with their current employer more than xxx years.; | 09/25/24 (Creditor) statement received reflects the account was not paid in full. Review has included $xxx payment which increased the DTI to 49.43%. Confirmed Investor will still accept at the higher DTI. | Client: Investor Acknowledged Exception | Funded C B |
| 900001517 | XXXX | 1083570 | 09/30/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing post disaster inspection report. Subject is in xxxxxx County which was a declared disaster area as of xx/xx/xx. | 03/03/2025 | Verified housing payment history - 39x0x30x mortgage payment history.; Verified employment history - The borrower has been with their current employer more than xxx years.; | 01/16/2025 - Lender is inquiring of what is needed to satisfy the finding.<br> --A new property inspection evidencing roof repairs were completed and that the roof in overall satisfactory condition is needed. Prior inspection report reflected an unsatisfactory overall condition.<br>01/13/2025 - Recd property inspection report reflecting unsatisfactory overall condition.<br> --Finding remains. Previous roofing company noted that while the roof could be repaired as a short term fix the adhesive is starting to fail. Missing evidence roof repair has been completed.<br>12/23/2024 - Recd letter from a roofing company stating repair and replacement estimates have been provided. These were not included in the documentation. Roof repair still required.<br>10/16/2024 - Recd post disaster inspection report confirms damage sustained. Inspector recommends an inspections by a roofer be completed. | 03/03/2025 - Roof inspection dated xx/xx/xx evidencing roof repairs were completed has been provided. Finding cleared. - 03/03/2025 - Roof inspection dated xx/xx/xx evidencing roof repairs were completed has been provided. Finding cleared. | Funded C A |
| 900000923 | XXXX | 1057570 | 05/10/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing final title to confirm Policy insured for minimum of $XXXX. Title Commitment in file reflects proposed policy amount of $XXXX. | 05/29/2024 | Verified housing payment history - 170 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX of consumer debt with subject transaction eliminating $XXXX in monthly payments. ; |  | 05/23/24 STG Home Equity Loan policy reflecting liability of $XXXX received. - 05/23/24 STG Home Equity Loan policy reflecting liability of $XXXX received. | Funded C A |
| 900000923 | XXXX | 1057571 | 05/10/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Missing Investor acceptance of Property type. Subject property location is reflected to be XXXX. LRP Guidelines do not allow for XXXX property location. |  | Verified housing payment history - 170 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX of consumer debt with subject transaction eliminating $XXXX in monthly payments. ; |  | Client: Investor Acknowledged Exception- Investor accepts rural property. | Funded C B |
| 900001009 | XXXX | 1057501 | 05/09/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. | 05/14/2024 | Low LTV/CLTV/HCLTV - CLTV is 50.773%; Verified employment history - Both borrowers have been with their current employers more than xxx years.; Verified reserves - Borrower is receiving xxx or 6.65 months PITIA in cash out proceeds, no reserves required.; | 5/13/2024 - Recd UW Decision. APRV 0001 Exception Cleared; | 5/13/2024 - Recd UW Decision. APRV 0001 Exception Cleared; - 5/13/2024 - Recd UW Decision. APRV 0001 Exception Cleared; | Approved D |
| 900001009 | XXXX | 1057514 | 05/09/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | Missing valid reason for AVM added on LE issued xx/xx/xx. | 05/14/2024 | Low LTV/CLTV/HCLTV - CLTV is 50.773%; Verified employment history - Both borrowers have been with their current employers more than xxx years.; Verified reserves - Borrower is receiving xxx or 6.65 months PITIA in cash out proceeds, no reserves required.; | 5/13/2024 - Recd same COC in file. No fee violations. TRID 0171 Exception Cleared; | 5/13/2024 - Recd same COC in file. No fee violations. TRID 0171 Exception Cleared; - 5/13/2024 - Recd same COC in file. No fee violations. TRID 0171 Exception Cleared; | Approved C |
| 900001009 | XXXX | 1057558 | 05/09/2024 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 1 | Closed | Missing evidence the hazard insurance premium is paid in full. The first mortgage is not escrowed, the current policy just started xx/xx/xx (loan closed xx/xx/xx). The hazard insurance in the file does not address whether there is a balance due. | 06/05/2024 | Low LTV/CLTV/HCLTV - CLTV is 50.773%; Verified employment history - Both borrowers have been with their current employers more than xxx years.; Verified reserves - Borrower is receiving xxx or 6.65 months PITIA in cash out proceeds, no reserves required.; |  | 06/03/24 Email from insurance agent received confirming policy is paid in full through xx/xx/xx. - 06/03/24 Email from insurance agent received confirming policy is paid in full through xx/xx/xx. | Approved C |
| 900001009 | XXXX | 1057559 | 05/09/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing explanation of the "Other" income on borrower 1's paystub. It does not appear to be paid at the same rate as regular earnings, but made up a substantial portion of the income earned in xxxx - see paystub, base pay totals xxx or xxx monthly. Other pay was xxx. Income used to qualify is xxx. Information is needed to determine why regular earnings were so low in the previous year and confirm this income is equivalent to regular earnings and expected to continue. The lender included this income in their base income calculation.<br>| 06/05/2024 | Low LTV/CLTV/HCLTV - CLTV is 50.773%; Verified employment history - Both borrowers have been with their current employers more than xxx years.; Verified reserves - Borrower is receiving xxx or 6.65 months PITIA in cash out proceeds, no reserves required.; |  | 06/03/24 Employer explanation of pay changes dated xx/xx/xx received. Lender income calculation supported. - 06/03/24 Employer explanation of pay changes dated xx/xx/xx received. Lender income calculation supported. | Approved C |
| 900001009 | XXXX | 1058185 | 05/14/2024 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 1 | Closed | The Maximum Principal and Interest Payment Amount in column 1 of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (xxx), while the Calculated Projected Payments Table has a value of (xxx). | 07/09/2024 | Low LTV/CLTV/HCLTV - CLTV is 50.773%; Verified employment history - Both borrowers have been with their current employers more than xxx years.; Verified reserves - Borrower is receiving xxx or 6.65 months PITIA in cash out proceeds, no reserves required.; | 07/05/24 Recd from counsel: "A lender cannot under or over disclose either of the payments in the P&I range, in the projected payments table. Any inaccuracy (>xxx) results in an Ev3/C finding." | 07/09/24 Confirmed xxx variance is acceptable as it is within xxx. - 07/09/24 Confirmed xxx variance is acceptable as it is within xxx. | Approved C |
| 900000955 | XXXX | 1057691 | 05/10/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing past two years Wage tax transcripts on both borrowers as required per guidelines. None located in file. | 06/04/2024 | Verified housing payment history - 98 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - B1 has been on xxx for xx years. ; | 06/04/24 xxxx/xxxx Wage & Income transcripts for B2 received.<br>05/17/24 xxxx/xxxx Wage & Income transcripts for B1 received.<br>\*\*Finding remains, missing xxxx/xxxx Wage & Income transcripts for B2. | 06/04/24 xxxx/xxxx Wage & Income transcripts for B2 received.<br>05/17/24 xxxx/xxxx Wage & Income transcripts for B1 received. - 06/04/24 xxxx/xxxx Wage & Income transcripts for B2 received.<br>05/17/24 xxxx/xxxx Wage & Income transcripts for B1 received. | Funded C A |
| 900000903 | XXXX | 1057635 | 05/10/2024 | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 1 | Closed | No proof provided borrowers can receive documents electronically. missing borrower signed electronic consent agreement. | 05/14/2024 | Verified employment history - VOEs confirm 10+ years employment with present employer for both B1/B2.; Verified housing payment history - Credit report confirms 37 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 52.71% CLTV < 85% Max Allowed.; Low DTI - 21.20% DTI < 45% Max Allowed.; | 5/14/2024 - Recd B1/B2 eConsent. TRID 0135 Exception Cleared; | 5/14/2024 - Recd B1/B2 eConsent. TRID 0135 Exception Cleared; - 5/14/2024 - Recd B1/B2 eConsent. TRID 0135 Exception Cleared; | Funded C A |
| 900000985 | XXXX | 1057700 | 05/10/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Affiliated Business Disclosure not in file. | 05/14/2024 | Verified employment history - Borrower has been on present job for xxx years. ; Verified housing payment history - 43 months of mortgage payment history verified 0x30 per credit report.; Net tangible benefit - Borrower paid off consumer debt totaling xxx with subject transaction eliminating xxx in monthly payments. ; | 5/14/2024 - Recd borrower signed ABD. COMP 0010 Exception Cleared; | 5/14/2024 - Recd borrower signed ABD. COMP 0010 Exception Cleared; - 5/14/2024 - Recd borrower signed ABD. COMP 0010 Exception Cleared; | Funded C A |
| 900000985 | XXXX | 1057702 | 05/10/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Homeownership Counseling Disclosure not in file. | 05/14/2024 | Verified employment history - Borrower has been on present job for xxx years. ; Verified housing payment history - 43 months of mortgage payment history verified 0x30 per credit report.; Net tangible benefit - Borrower paid off consumer debt totaling xxx with subject transaction eliminating xxx in monthly payments. ; | 5/14/2024 - Recd acknowledgement of receipt of Homeownership Counseling Organizations List. RESPA 0029 Exception Cleared; | 5/14/2024 - Recd acknowledgement of receipt of Homeownership Counseling Organizations List. RESPA 0029 Exception Cleared; - 5/14/2024 - Recd acknowledgement of receipt of Homeownership Counseling Organizations List. RESPA 0029 Exception Cleared; | Funded C A |
| 900000985 | XXXX | 1057704 | 05/10/2024 | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 1 | Closed | No evidence borrower can receive documents electronically. | 06/12/2024 | Verified employment history - Borrower has been on present job for xxx years. ; Verified housing payment history - 43 months of mortgage payment history verified 0x30 per credit report.; Net tangible benefit - Borrower paid off consumer debt totaling xxx with subject transaction eliminating xxx in monthly payments. ; |  | 06/11/24 Esign disclosure received. - 06/11/24 Esign disclosure received. | Funded C A |
| 900000985 | XXXX | 1057712 | 05/10/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | COC on page 335 for added title commitment in the amount of xx does not specify a reason for the added fee. SPL not in file. Entered fees as from SPL to test compliance. |  | Verified employment history - Borrower has been on present job for xxx years. ; Verified housing payment history - 43 months of mortgage payment history verified 0x30 per credit report.; Net tangible benefit - Borrower paid off consumer debt totaling xxx with subject transaction eliminating xxx in monthly payments. ; | 06/24/24 Delivery confirmed. <br>06/18/24 PC CD, LOE, refund check in the amount of xx, and Carrier tracking received.<br>\*\*Finding remains as of xx/xx/xx. Carrier status is label created. Label reflects 2 day. Upon verification of delivery finding can be downgraded to an EV2 for post closing corrective action. | Client: EV2 Post-Closing Corrective Action - xx/xx/xx Delivery confirmed. <br>06/18/24 PC CD, LOE, refund check in the amount of xx, and Carrier tracking received. | Funded C B |
| 900001010 | XXXX | 1057811 | 05/10/2024 | Credit | Trust Agreement is Incomplete | TRST 0003 | 1 | Closed | Trust Certification is missing page xx of xx. | 06/05/2024 | Verified housing payment history - 153 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off xxx in consumer debt with subj transaction eliminating xxx in total monthly payments. Prior to closing, borrowers also paid off an additional installment debt eliminating an additional xxx payment. ; |  | 06/03/24 Page xx of the Trust Certification received. - 06/03/24 Page xx of the Trust Certification received. | Funded C A |
| 900001010 | XXXX | 1058007 | 05/14/2024 | Credit | Missing Subordination Agreement | NOTE 0006 | 1 | Closed | Missing fully completed Subordination Agreement for (Financial Institution) associated with UCC Financing Statement. Subordination Agreement copy in file is incomplete. (No final title policy provided to confirm subject lien in 2nd lien position.) | 06/05/2024 | Verified housing payment history - 153 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off xxx in consumer debt with subj transaction eliminating xxx in total monthly payments. Prior to closing, borrowers also paid off an additional installment debt eliminating an additional xxx payment. ; |  | 06/03/24 Copy of complete and recorded subordination agreement received. - 06/03/24 Copy of complete and recorded subordination agreement received. | Funded C A |
| 900001010 | XXXX | 1058008 | 05/14/2024 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 1 | Closed | Missing verification of loan to (Financial Institution) associated with UCC Financing Statement for (Company). UCC statement reflects opened date of xx/xx/xx. CC Bank debt on credit report reflects an open date of xx/xx, balance of xxx, and a payment of xxx. Final DTI is pending confirmation of no additional payment/loan amount. | 07/09/2024 | Verified housing payment history - 153 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off xxx in consumer debt with subj transaction eliminating xxx in total monthly payments. Prior to closing, borrowers also paid off an additional installment debt eliminating an additional xxx payment. ; | 07/09/24 Recd from lender: The UCC filing is matching up the same loan number that we reflect on the credit report. The reason for the dates not matching is due to a previous subordination when we refinance the borrower in the end of 2021. Please forward the attached along with the screen shots attached<br>06/20/24 Lender comments indicate an exception was granted, email sent to LRCP to confirm. | 07/09/24 Cleared per explanation received from lender with a copy of the UCC filed xx/xx. <br>07/09/24 Recd from lender: The UCC filing is matching up the same loan number that we reflect on the credit report. The reason for the dates not matching is due to a previous subordination when we refinance the borrower in the end of xxxx. - 07/09/24 Cleared per explanation received from lender with a copy of the UCC filed xx/xx. <br>07/09/24 Recd from lender: The UCC filing is matching up the same loan number that we reflect on the credit report. The reason for the dates not matching is due to a previous subordination when we refinance the borrower in the end of xxxx. | Funded C A |
| 900001010 | XXXX | 1058089 | 05/14/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI is 46.68% exceeds the max allowed of 45%. Lender DTI is 44.396%. Per the final 1003, it appears that the lender did not include the xxx payment for (Financial Institution) ending #xxxx. (Guidelines allow up to 50%; however, the borrowers do not meet the residual income requirement to exceed 45%). |  | Verified housing payment history - 153 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off xxx in consumer debt with subj transaction eliminating xxx in total monthly payments. Prior to closing, borrowers also paid off an additional installment debt eliminating an additional xxx payment. ; |  | Client: Investor Acknowledged 1.68% DTI Exception | Funded C B |
| 900000983 | XXXX | 1057844 | 05/13/2024 | Compliance | Affiliated Business Disclosure Not Provided Within 3 Business Days of Application | COMP 0035 | 1 | Closed | ABD on page 55 was issued xx/xx/xx. Missing ABD issued within 3 days of Application. | 05/31/2024 | Verified credit history - Middle credit score xxx with no history of delinquency. Minimum FICO required xxx.; Low DTI - 36.34% DTI < 45% Max Allowed.; Low LTV/CLTV/HCLTV - 74.74% CLTV < 85% Max Allowed.; |  | 05/30/24 Affiliated Business Disclosure dated xx/xx/xx received. - 05/30/24 Affiliated Business Disclosure dated xx/xx/xx received. | Funded B A |
| 900000983 | XXXX | 1057845 | 05/13/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Homeownership Counseling Disclosure not in file. | 05/31/2024 | Verified credit history - Middle credit score xxx with no history of delinquency. Minimum FICO required xxx.; Low DTI - 36.34% DTI < 45% Max Allowed.; Low LTV/CLTV/HCLTV - 74.74% CLTV < 85% Max Allowed.; |  | 05/30/24 Executed Homeownership Counseling Disclosure Acknowledgment dated xx/xx/xx received. - 05/30/24 Executed Homeownership Counseling Disclosure Acknowledgment dated xx/xx/xx received. | Funded C A |
| 900000983 | XXXX | 1057848 | 05/13/2024 | Compliance | Missing Evidence of Service Provider List | TRID 0151 | 1 | Closed | SSPL not in file. Section C fees coded as from provider list. | 05/31/2024 | Verified credit history - Middle credit score xxx with no history of delinquency. Minimum FICO required xxx.; Low DTI - 36.34% DTI < 45% Max Allowed.; Low LTV/CLTV/HCLTV - 74.74% CLTV < 85% Max Allowed.; |  | 05/30/24 SPL disclosures issued xx/xx/xx4 received. - 05/30/24 SPL disclosures issued xx/xx/xx4 received. | Funded C A |
| 900000983 | XXXX | 1057872 | 05/13/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing valid COC Missing valid COC for LE issued xx/xx/xx. COC on page 328 says loan amount increased per borrower request, and title added sub-escrow fee and notary fee, and closing fee increased. Increase in loan amount does not explain reason for adding sub-escrow and notary fee, or for increasing closing fee. Increased Notary Fee remains out of tolerance. for addition of Notary Fee on LE issued xx/xx/xx. See TRID 0171. \*\* |  | Verified credit history - Middle credit score xxx with no history of delinquency. Minimum FICO required xxx.; Low DTI - 36.34% DTI < 45% Max Allowed.; Low LTV/CLTV/HCLTV - 74.74% CLTV < 85% Max Allowed.; | 06/24/24 Delivery Confirmed.<br>06/18/24 PC CD, LOE, refund check in the amount of xxx, and Fed-Ex tracking received.<br>\*\*Finding remains as of xx/xx/xx. Carrier status is label created. Label reflects 2 day. Upon verification of delivery finding can be downgraded to an EV2 for post closing corrective action. Tracking xxx. | Client: EV2 Post-Closing Corrective Action - xx/xx/xx Delivery Confirmed.<br>06/18/24 PC CD, LOE, refund check in the amount of xxx, and Carrier tracking received. | Funded C B |
| 900000983 | XXXX | 1058254 | 05/15/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing VVOE from previous employment with XXXX and XXXX | 05/31/2024 | Verified credit history - Middle credit score xxx with no history of delinquency. Minimum FICO required xxx.; Low DTI - 36.34% DTI < 45% Max Allowed.; Low LTV/CLTV/HCLTV - 74.74% CLTV < 85% Max Allowed.; |  | 05/30/24 Verification of previous employment received. - 05/30/24 Verification of previous employment received. | Funded C A |
| 900000909 | XXXX | 1057925 | 05/13/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Low LTV/CLTV/HCLTV - 67.90% CLVT, maximum of 85% allowed. ; Verified housing payment history - 118 months of verified mortgage history paid 0x30. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000924 | XXXX | 1058208 | 05/14/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD XX/XX/XX APR 10.643%, CD XX/XX/XX APR 10.321%. |  | Verified credit history - Middle credit score 751 with no history of delinquency reported. Minimum required 680.; Low LTV/CLTV/HCLTV - 64.22% CLTV < 85% Max Allowed.; |  | Client: EV2 Non-Material APR Decreased | Funded C B |
| 900000924 | XXXX | 1058209 | 05/14/2024 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | Missing CD issued XX/XX/XX matching COC issued XX/XX/XX. | 05/30/2024 | Verified credit history - Middle credit score 751 with no history of delinquency reported. Minimum required 680.; Low LTV/CLTV/HCLTV - 64.22% CLTV < 85% Max Allowed.; |  | 05/23/24 Confirmed the CD issued 0XX/XX/XX was the final CD and no interim CD was issued. - 05/23/24 Confirmed the CD issued 0XX/XX/XX was the final CD and no interim CD was issued. | Funded C A |
| 900000956 | XXXX | 1058100 | 05/14/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | COC issued on xx/xx/xx does not give reason for added notary fee and title examination, change to closing fee to settlement fee and rent schedule being added. | 06/05/2024 | Verified housing payment history - 250 months of mortgage history paid 0x30, verified per credit report. ; Verified credit history - xxx qualifying credit score, minimum xxx required. ; |  | 06/05/24 TRP Error, no fee violations. - 06/05/24 TRP Error, no fee violations. | Funded C A |
| 900000907 | XXXX | 1058493 | 05/16/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Investor approved exception for XXXX property. |  | Verified reserves - File contains proof of 32 months of verified reserves when guidelines require none.; Low DTI - DTI of 26.15 is well below Lender guidelines max allowed of 45%.; |  | Client: EV2 Investor Acknowledged Exception | Funded C B |
| 900000911 | XXXX | 1058457 | 05/16/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Low LTV/CLTV/HCLTV - CLTV of 46.21%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 58 months of mortgage history paid 0x30, verified per credit report. ; Net tangible benefit - Debt consolidations saving borrower $XXX/mo. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000954 | XXXX | 1058661 | 05/17/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Per Closing Disclosure xxx was paid off at closing. Missing documentation of borrowers installment agreement, payment history and confirmation of payoff. | 06/04/2024 |  |  | 05/31/24 2022 1040 transcript received reflecting balanced owed of xxx. Finding cleared. - 05/31/24 2022 1040 transcript received reflecting balanced owed of xxx. Finding cleared. | Funded C A |
| 900000984 | XXXX | 1058459 | 05/16/2024 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Initial 1003 for B2 not in file. Only intial 1003 for B1 provided (pg 121). | 06/19/2024 | Low LTV/CLTV/HCLTV - CLTV of 69%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 123 months of mortgage history paid 0x30, verified per credit report. ; | 05/30/24 Duplicate copy of initial 1003 for B1 received.<br>\*\*Finding remains, missing initial 1003 for B2. | 04/09/24 Initial 1003 executed by B1/B2 on xx/xx/xx received. - 04/09/24 Initial 1003 executed by B1/B2 on xx/xx/xx received. | Approved C |
| 900000984 | XXXX | 1058460 | 05/16/2024 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | E-Sign Disclosure not in file. E-Tracking not in file showing consent. | 06/04/2024 | Low LTV/CLTV/HCLTV - CLTV of 69%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 123 months of mortgage history paid 0x30, verified per credit report. ; |  | 06/03/24 eSign disclosures for B1/B2 received. - 06/03/24 eSign disclosures for B1/B2 received. | Approved C |
| 900000984 | XXXX | 1058707 | 05/17/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Subject is Rural property per appraisal (pg 339). Per guidelines prior approval is required. Appraisal meets guidelines for rural property. Missing evidence of prior approval for Rural property. |  | Low LTV/CLTV/HCLTV - CLTV of 69%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 123 months of mortgage history paid 0x30, verified per credit report. ; | 06/07/24 Email received LRCP ok to proceed w/xxx property. | Client: EV2 Investor Acknowledged Exception to accept xxx property. | Approved C B |
| 900001008 | XXXX | 1058482 | 05/16/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing valid COC for addition of second appraisal fee and increase in tax stamps on CD issued xx/xx/xx. COC does not give a reason for either the tax increase or second appraisal. Second Appraisal Report is not in file. -- |  |  |  | Client: EV2 Post-Closing Corrective Action -- xx/xx/xx Copy of PC CD, LOE, refund check, and tracking received. Delivery confirmed. | Funded C B |
| 900001008 | XXXX | 1058735 | 05/17/2024 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Per email there were 2 appraisals obtained for this file, one for xxx and one for xxx. Appraisal in file is for xxx which was used for qualifying. Original appraisal with value of xxx was not provided for review. | 06/13/2024 |  | 06/03/24 Appraisal dated xx/xx/xx with value of $460,000 received. Lender to confirm that this was the appraisal provided to the borrower on xx/xx/xx and the value of xxx stated in the email was a typo or provide appraisal with value of xxx. | 06/11/24 Copy of 2nd appraisal received. - 06/11/24 Copy of 2nd appraisal received. | Funded C A |
| 900001008 | XXXX | 1058738 | 05/17/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. Review is pending receipt of 2nd appraisal. | 06/04/2024 |  | 06/03/24 Appraisal dated xx/xx/xx with value of xxx received. Appraisal contains FIERRA certification. (Appraisal submitted for APPR 0002 Appraisal Incomplete) | 06/03/24 Appraisal dated xx/xx/xx with value of xxx received. Appraisal contains FIERRA certification. (Appraisal submitted for APPR 0002 Appraisal Incomplete) - 06/03/24 Appraisal dated xx/xx/xx with value of xxx received. Appraisal contains FIERRA certification. (Appraisal submitted for APPR 0002 Appraisal Incomplete) | Funded C A |
| 900000945 | XXXX | 1058513 | 05/16/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Lender loan approval not in file. 1008 does not provided UW name or approval date. | 05/20/2024 | Low LTV/CLTV/HCLTV - CLTV of 69.04%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 159 months of mortgage history reviewed on credit report. Only one isolated late payment dated x/xxxx. No late payment in over 36 months. ; |  | 05/20/24 Approval received. - 05/20/24 Approval received. | Funded D A |
| 900000945 | XXXX | 1058517 | 05/16/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | CD does not specify if the borrower declined an escrow account or if the lender did not offer one. |  | Low LTV/CLTV/HCLTV - CLTV of 69.04%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 159 months of mortgage history reviewed on credit report. Only one isolated late payment dated x/xxxx. No late payment in over 36 months. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000906 | XXXX | 1058542 | 05/17/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Low LTV/CLTV/HCLTV - CLTV of 45.58%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 209 months of mortgage history paid 0x30, verified per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000940 | XXXX | 1058588 | 05/17/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Missing verification of the Hazard total policy premium to validate the disclosed Estimated Property Costs over Year 1 of xxxx. | 05/30/2024 | Verified housing payment history - 107 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 54.88%, maximum of 85% allowed per guidelines. ; |  | 05/23/24 HOI deck page received. Validated Estimated Property Costs over Year 1 were accurate. - 05/23/24 HOI deck page received. Validated Estimated Property Costs over Year 1 were accurate. | Funded C A |
| 900000940 | XXXX | 1059209 | 05/20/2024 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 1 | Closed | Borrower qualified with hazard payment of xxx. Evidence of insurance did not state premium amount. Missing confirmation of annual hazard insurance premium. | 05/30/2024 | Verified housing payment history - 107 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 54.88%, maximum of 85% allowed per guidelines. ; |  | 05/23/24 HOI deck page received. Monthly premium of xxx verified. - 05/23/24 HOI deck page received. Monthly premium of xxx verified. | Funded C A |
| 900000943 | XXXX | 1058699 | 05/17/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Net tangible benefit - Debt consolidation saves the customer xxx. ; Verified housing payment history - 133 months of mortgage history paid 0x30, verified per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900001011 | XXXX | 1059602 | 05/21/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | AVM completed by (Company) has Confidence Score of 50 and FSD score of .5. Per guidelines an FSD score of <= .10 is required. AVM does not meet guideline requirements. |  | Low LTV/CLTV/HCLTV - CLTV of 36.7%, maximum of 85% allowed per guidelines. ; Verified employment history - xx years of verified employment history with same employer confirmed. ; | 07/08/24 Recd from lender: LRP will accept an exception for .50 FSD<br>\*\* Email sent to LRCP to confirm exception granted as BPO value returned at xxx which is a variance of -49.57%. Using the reduced value for LTV/CLTV results in LTV/CLTV of 15.41%/72.80%.<br>| 07/11/24 Emailed received from LRCP that an exception has been approved. - Client: 07/11/24 Emailed received from LRCP that an exception has been approved. Reduced BPO value used for LTV/CLTV15.41% / 72.80%.<br>07/11/24 Emailed received from LRCP that an exception has been approved. | Funded C B |
| 900000988 | XXXX | 1059364 | 05/21/2024 | Property | Post Closing AVM Review Variance is not within tolerance | AVM 0002 | 2 | Acknowledged | AVM (pg 404) completed by Collateral Analytics has a confidence score of 78 and FSD score of .12. Per guidelines an FSD score of <= .10 is required. AVM does not meet guideline requirements. |  | Verified housing payment history - 107 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 53%, maximum of 85% allowed per guidelines. ; | 06/14/24 Recd from lender: BPO within 10% tolerance of AVM, LRP approves exception.<br>\*\*Email sent to LRCP for verification to downgrade to B Grade.<br>05/22/24 - Email sent to LRCP - BPO came back at xxx which is only a variance of -5.88% from the original value of xxx. Please advise if LRCP is good with taking this on a B grade since the value is w/in the 10% tolerance. | Client: Investor acknowledged exception to accept w/post close BPO. | Approved C B |
| 900001106 | XXXX | 1059452 | 05/21/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Loan Approval with UW name and date of approval. Unsigned 1008 provided in file. | 07/03/2024 | Low LTV/CLTV/HCLTV - CLTV of 68.23%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 244 months of mortgage history paid 0x30, verified per credit report. ; |  | 07/03/24 Lender loan approval received. - 07/03/24 Lender loan approval received. | Funded D A |
| 900000941 | XXXX | 1059596 | 05/21/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Low LTV/CLTV/HCLTV - CLTV of 67%, maximum of 85% allowed per guidelines. ; Low DTI - 21.49% DTI, maximum of 45% allowed. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000949 | XXXX | 1060335 | 05/23/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Subject is 3 Unit property. 2-4 Unit properties are ineligible per guidelines. No Investor exception acknowledgment located in file. Lock does reflect the property to be 2-4 units. |  | Income verified was not used in qualifying - Appraisal confirmed xxx/mo rental income from tenant occupied units which was not used to qualify. ; Verified housing payment history - 138 months of mortgage history paid 0x30, verified per credit report. ; |  | Client: EV2 Investor Acknowledged Exception- Copy of investor exception approved xx/xx/xx received. | Approved C B |
| 900001043 | XXXX | 1060104 | 05/23/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | 1) Missing COC for LE issued for rate increased.<br>2) Missing COC for LE issued for title endorsements being removed and recording fee increase. Remains out of tolerance. | 07/16/2024 | Low LTV/CLTV/HCLTV - CLTV of 64.76%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 177 months of mortgage history paid 0x30, verified per credit report. ; | 7/16/2024 - Recd PCCD, copy of refund check xxx, and courier tracking slip. Duplicate exception to TRID 0124. TRID 0171 Exception Cleared; | 7/16/2024 - Recd PCCD, copy of refund check xxx, and courier tracking slip. Duplicate exception to TRID 0124. TRID 0171 Exception Cleared; - 7/16/2024 - Recd PCCD, copy of refund check xxx, and courier tracking slip. Duplicate exception to TRID 0124. TRID 0171 Exception Cleared; | Approved C |
| 900001043 | XXXX | 1060134 | 05/23/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for increased in recording fees. |  | Low LTV/CLTV/HCLTV - CLTV of 64.76%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 177 months of mortgage history paid 0x30, verified per credit report. ; | 7/22/2024 - Exception downgraded to EV2/B with PCCD, copy of refund check xxx, and courier tracking slip. Courier tracking confirms delivery was completed 60 days from discovery. TRID 0124 Exception Downgraded to EV2/B.<br>7/16/2024 - Recd PCCD, copy of refund check xxx, and courier tracking slip. Tracking reflects label created. Exception will be downgraded to EV2/B once the package status is in transit. | Client: 7/22/2024 - Exception downgraded to EV2/B with PCCD, copy of refund check xxx, and courier tracking slip. Courier tracking confirms delivery was completed 60 days from discovery. TRID 0124 Exception Downgraded to EV2/B. | Approved C B |
| 900000934 | XXXX | 1060375 | 05/24/2024 | Credit | Final 1003 Application is Incomplete | APP 0002 | 1 | Closed | Final 1003 lists the incorrect self employment details. 1003 shows ownership in business is less than 25%. Per K1 borrower owns 100% of this business. 1003 does not list ownership percentage for business. Per K1, borrower owns 50% of this business. | 05/31/2024 |  |  | 05/30/24 Corrected 1003 reflecting ownership > 25% received. - 05/30/24 Corrected 1003 reflecting ownership > 25% received. | Funded C A |
| 900001044 | XXXX | 1060590 | 05/24/2024 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 2 | Acknowledged | PI per the Note xxx. PI on the final CD dated x/xx xxx. Loan disbursed xx/xx. Post-closing CD issued x/xx reflects the correct PI of xxx. Missing LOE to the borrower explaining the reason for re-disclosure. |  | Verified housing payment history - 102 months of mortgage history paid 0x30, verified per credit report. ; | 7/16/2024 - Recd loe for PCCD, "I am sending you this letter to advise you of the reason for the re-disclosure. There was a system glitch that generated the CD to reflect the incorrect payment amount but was corrected and redisclosed with the correct payment." TRID 0092 Exception Downgraded to EV2/B;<br>07/04/24 Recd from lender: Hello, The team wanted me to reach out and see if you will require anything other than an LOE to the borrower to explain the re-disclosure to get this condition cleared? Thank you!<br>\*\* Just missing LOE to the borrower explaining the reason for re-disclosure. | Client: 7/16/2024 - Recd loe for PCCD, "I am sending you this letter to advise you of the reason for the re-disclosure. There was a system glitch that generated the CD to reflect the incorrect payment amount but was corrected and re-disclosed with the correct payment." TRID 0092 Exception Downgraded to EV2/B; | Funded C B |
| 900001080 | XXXX | 1061067 | 05/27/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | Missing COC for LE issued xx/xx. Loan amount increased to $xxx, transfer taxes increased, lender credit increased. | 07/03/2024 | Net tangible benefit - Debt consolidation saves borrower $xxx per month. Borrower received cash out at closing of $xxx. ; |  | 06/27/24 COC received. - 06/27/24 COC received. | Funded C A |
| 900001080 | XXXX | 1061068 | 05/27/2024 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | Missing interim LE issued xx/xx as disclosed on Disclosure tracking. COC dated xx/xx states COC due to borrower changed loan amount of $xxx. Loan amount was changed on LE issued xx/xx. | 08/05/2024 | Net tangible benefit - Debt consolidation saves borrower $xxx per month. Borrower received cash out at closing of $xxx. ; | 7/30/2024 - Exception is cleared with the attached copy of the re-disclosed LE. TRID 0137 Exception Cleared;<br>7/25/2024 - "The LE that has been sent is actually the xx/xx LE, It looks like the Date Issued was not changed, however, if you look at the bottom of the pages it is dated xx/xx. This matches the xx/xx COC. I hope this clarification is helpful." \*\* Attached disclosure history reflects LE sent on xx/xx and xx/xx. Disclosure in file has an issue date of xx/xx, but the print date on the bottom is xx/xx. Missing loan estimate issued and sent on xx/xx. TRID 0137 Exception Remains;<br>7/19/2024 - "COC issued on xx/xx and xx/xx attached, the COC for loan amt increase sent w/LE issued xx/xx." Attached COC xx/xx and LE xx/xx. \*\* Missing LE issued xx/xx. TRID 0137 Exception Remains;<br>7/17/2024 - Recd COC dated xx/xx and LE dated xx/xx. \*\* Missing LE dated xx/xx, as per disclosure tracking in file. TRID 0137 Exception Remains;<br>06/27/24 Duplicate copy of COC dated xx/xx/xx received w/COC for TRID 0171. Missing corresponding LE/CD. | 7/30/2024 - Exception is cleared with the attached copy of the re-disclosed LE. TRID 0137 Exception Cleared;<br>- 7/30/2024 - Exception is cleared with the attached copy of the re-disclosed LE. TRID 0137 Exception Cleared; | Funded C A |
| 900001080 | XXXX | 1061074 | 05/27/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 1 | Closed | Final CD issued less than 3 business days of the Initial CD on page 417 issued xx/xx. Signed CD issued xx/xx. | 05/30/2024 | Net tangible benefit - Debt consolidation saves borrower $xxx per month. Borrower received cash out at closing of $xxx. ; | 05/10 CD APR 11.003%<br>05/14 CD APR 11.018%<br>Variance 0.015%<br>| 05/30/24 Exception set in error. xx/xx CD APR 11.003%, xx/xx CD APR 11.018%, Variance 0.015%. - 05/30/24 Exception set in error. xx/xx CD APR 11.003%, xx/xx CD APR 11.018%, Variance 0.015%. | Funded C A |
| 900001080 | XXXX | 1061087 | 05/27/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Net tangible benefit - Debt consolidation saves borrower $xxx per month. Borrower received cash out at closing of $xxx. ; |  | Client: EV2 Non-Material | Funded C B |
| 900001080 | XXXX | 1076679 | 08/05/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on xx/xx: Notary Fee $xxx, Electronic Document Delivery Fee $xxx. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)).<br>Cleared |  | Net tangible benefit - Debt consolidation saves borrower $xxx per month. Borrower received cash out at closing of $xxx. ; | 8/9/2024 - Exception is cured with the attached cover letter associated with PCCD previously provided via stip presentment on xx/xx. US Mailbox Rule applied. TRID 0195 Exception Downgraded to EV2/B.<br>8/8/2024 - Exception is partially cured with the attached PCCD. Missing is the cover letter addressing the reason for re-disclosure. | Client: 8/9/2024 - Exception is cured with the attached cover letter associated with PCCD previously provided via stip presentment on xx/xx. US Mailbox Rule applied. TRID 0195 Exception Downgraded to EV2/B. | Funded C B |
| 900001080 | XXXX | 1077402 | 08/08/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | CD Escrow Account Section does not indicate whether the borrower declined an escrow or if the lender did not offer one. |  | Net tangible benefit - Debt consolidation saves borrower $xxx per month. Borrower received cash out at closing of $xxx. ; |  | Client: EV2/B Non-Material | Funded C B |
| 900000960 | XXXX | 1062044 | 05/30/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for increase to the HOA Certification fee. COC issued xx/xx/xx does not address HOA certificate fee increase. | 06/10/2024 | Low LTV/CLTV/HCLTV - CLTV of 39.93%, maximum of 80% allowed per guidelines. ; Verified housing payment history - 159 months of mortgage history paid 0x30, verified per credit report. ; |  | 06/04/24 CD and COC dated xx/xx/xx received. Finding cleared upon re-submission is missing CD/COC. - 06/04/24 CD and COC dated xx/xx/xx received. Finding cleared upon re-submission is missing CD/COC. | Funded C A |
| 900000960 | XXXX | 1062046 | 05/30/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Low LTV/CLTV/HCLTV - CLTV of 39.93%, maximum of 80% allowed per guidelines. ; Verified housing payment history - 159 months of mortgage history paid 0x30, verified per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900000960 | XXXX | 1062294 | 05/30/2024 | Credit | Income Calculation Discrepancy | CRED 0084 | 2 | Acknowledged | B2 was qualified on xxx/mo which is not supported by YTD or past year average. Review qualified B2 on xxxx/xxxx average of xxx. Qualifying income was not supported. Use of lower qualifying income increased DTI from 26.46% to 29.94%. Increase in DTI of 3.48%. |  | Low LTV/CLTV/HCLTV - CLTV of 39.93%, maximum of 80% allowed per guidelines. ; Verified housing payment history - 159 months of mortgage history paid 0x30, verified per credit report. ; |  | Client: EV2 Non-Material as DTI is less than the max allowed of 50%. | Funded C B |
| 900001045 | XXXX | 1061987 | 05/29/2024 | Credit | Missing or Incomplete 4506-T/4506-C | CRED 0095 | 1 | Closed | Missing signed 4506 form. | 07/19/2024 | Low LTV/CLTV/HCLTV - CLTV of 35.19%, maximum of 85% allowed per guidelines. ; Low DTI - 22.77% DTI, 45% maximum DTI allowed. ; |  | 07/18/24 Signed 4506 received. - 07/18/24 Signed 4506 received. | Funded C A |
| 900000950 | XXXX | 1062520 | 05/31/2024 | Compliance | Fee Naming Convention is inconsistent and/or does not meet the Clear and Conspicuous standard (12 CFR 1026.38(h)(4)) | TRID 0152 | 2 | Acknowledged | Final CD dated xx/xx/xx does not include payee for title fees. |  | None - No significant compensating factors. ; |  | Client: EV2 Non-Material Fees were paid to and tested as provided from the list. No fee violations. | Funded C B |
| 900000979 | XXXX | 1061911 | 05/29/2024 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing Exhibit A to the Mortgage.<br>| 06/04/2024 | Verified credit history - xxx qualifying credit score. xxx minimum score required. No derogatory credit. Credit file dates back to xx/xxxx. ; Verified housing payment history - 80 months of mortgage history paid 0x30 per credit report. ; |  | 05/31/24 Complete copy of the DOT with Exhibit A included received. - 05/31/24 Complete copy of the DOT with Exhibit A included received. | Funded C A |
| 900000979 | XXXX | 1061914 | 05/29/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | CD executed at closing xx/xx/xx reflects a disbursement date of xx/xx/xx. ROR expiration date xx/xx/xx. File appears to be missing the final CD (CA). | 06/10/2024 | Verified credit history - xxx qualifying credit score. xxx minimum score required. No derogatory credit. Credit file dates back to xx/xxxx. ; Verified housing payment history - 80 months of mortgage history paid 0x30 per credit report. ; | 06/07/24 PC CD received.<br>05/31/24 Final settlement statements received. Loan disbursement date xx/xx/xx. Pending receipt of final CD reflecting actual disbursement date. | 06/07/24 PC CD received.<br>05/31/24 Final settlement statements received. Loan disbursement date xx/xx/xx. Pending receipt of final CD reflecting actual disbursement date. - 06/07/24 PC CD received.<br>05/31/24 Final settlement statements received. Loan disbursement date xx/xx/xx. Pending receipt of final CD reflecting actual disbursement date. | Funded C A |
| 900000979 | XXXX | 1061933 | 05/29/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | CD dated xx/xx/xx reflects Estimated taxes, insurance, and assessments of xxx for insurance only with Estimated property costs over 1 year of xxx. Review calculated xxx / xxx. |  | Verified credit history - xxx qualifying credit score. xxx minimum score required. No derogatory credit. Credit file dates back to xx/xxxx. ; Verified housing payment history - 80 months of mortgage history paid 0x30 per credit report. ; |  | Client: EV2 Post closing corrective Action - PC CD received w/LOE to borrower. Estimated taxes, insurance, and assessments updated to xxx w/ Estimated property costs over 1 year of xxx. | Funded C B |
| 900000979 | XXXX | 1062038 | 05/30/2024 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing copy of the final settlement statement to confirm the actual disbursement date (CA). | 06/04/2024 | Verified credit history - xxx qualifying credit score. xxx minimum score required. No derogatory credit. Credit file dates back to xx/xxxx. ; Verified housing payment history - 80 months of mortgage history paid 0x30 per credit report. ; |  | 05/31/24 Final settlement statements received. Loan disbursement date xx/xx/xx. - 05/31/24 Final settlement statements received. Loan disbursement date xx/xx/xx. | Funded D A |
| 900001001 | XXXX | 1062950 | 06/03/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Missing investor acknowledgment for rural property. Lock reflects the subject to be Suburban. (\*Note Subject meets all other guideline requirements for rural property. 10% LTV reduction applied.) |  | Verified housing payment history - 259 months of mortgage history paid 0x30, verified per credit report. ; Low DTI - 21.26% DTI. Maximum of 45% allowed. ; | 06/18/24 Investor Exception received | Client: EV2 Investor Acknowledged Exception | Approved C B |
| 900000961 | XXXX | 1062763 | 06/03/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing final loan approval. Approval reflects Suspended status. | 06/12/2024 | Established credit history - xxx qualifying credit score. xxx minimum score required. No derogatory credit. Credit file dates back to xx/xxxx. ; |  | 06/11/24 Lender loan approval received. - 06/11/24 Lender loan approval received. | Funded D A |
| 900001128 | XXXX | 1062876 | 06/03/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Updated Exception 7/18 - Missing COC for increase of $xxx to appraisal fee from $xxx to $xxx on xx/xx. PCCD cured tolerance violation for the addition of the desk review fee of $xxx.<br>Original Exception - Missing COC for added Appraisal-Property Data Report fee of $xxx on CD issued xx/xx. |  | Low LTV/CLTV/HCLTV - CLTV of 47.46%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 136 months of mortgage history paid 0x30, verified per credit report. ; | 8/20/2024 - Exception is downgraded to EV2/B with the attached LOE to borrower explaining the reason for re-disclosure. PCCD disclosing the $xxx credit to cure was previously provided on xx/xx. US Mailbox Rule applied. Evidence of refund with delivery to borrower previously provided on xx/xx. TRID 0195 Exception Downgraded to EV2/B.<br>8/8/2024 - Exception is partially cured with the attached PCCD disclosing the $xxx credit to cure. US Mailbox Rule to be applied. Evidence of refund with delivery to borrower previously provided. Missing is the cover letter for the attached PCCD xx/xx.<br>8/7/2024 - Recd xx/xx PCCD, cover letter, copy of refund check, and courier tracking slip to evidence package is in transit (NOTE: Discovery Date for Appraisal Increase xx/xx/xx). --- The tolerance violation of $xxx for the increase to appraisal fee is cured. However, the xx/xx PCCD disclosed credit to cure of $xxx is inaccurate. Actual lender credit to cure should be $xxx ($xxx Appraisal + $xxx Appraisal-Property Data Report fee previously cured). <br>TRID 0195 Exception Remains;<br>07/02/24 LOE, PC CD, Copy of refund check, for $xxx, and tracking received. <br>\*\* Finding remains, missing COC for increased appraisal fee from $540-575.<br>06/19/24 Duplicate copy of CD issued xx/xx/xx received. No COC provided.<br>\*\*Finding remains missing COC for added Appraisal-Property Data Report fee of $xxx on CD issued xx/xx/xx. | Client: 8/20/2024 - Exception is downgraded to EV2/B with the attached LOE to borrower explaining the reason for re-disclosure. PCCD disclosing the $xxx credit to cure was previously provided on xx/xx. US Mailbox Rule applied. Evidence of refund with delivery to borrower previously provided on xx/xx. TRID 0195 Exception Downgraded to EV2/B. | Funded C B |
| 900001128 | XXXX | 1072624 | 07/18/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 07/18/2024 | Low LTV/CLTV/HCLTV - CLTV of 47.46%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 136 months of mortgage history paid 0x30, verified per credit report. ; |  | Duplicate of 0195 - Duplicate of 0195 | Funded C A |
| 900000980 | XXXX | 1063530 | 06/05/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing lender loan approval. | 06/10/2024 | Verified employment history - xxx years of verified employment with current employer per VOE. ; |  | 06/06/24 Lender loan approval received. - 06/06/24 Lender loan approval received. | Funded C A |
| 900000980 | XXXX | 1063532 | 06/05/2024 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | FNMA SSR and FreddieMac SSR reports dated xx/xx/xx were completed on an appraisal completed by xxx with a value of xxx. Missing copy of appraisal completed by xxx effective xx/xx/xx. | 06/10/2024 | Verified employment history - xxx years of verified employment with current employer per VOE. ; | 06/10/24 Value from appraisal 2 used as supported by CDA. | 06/06/24 Copy of appraisal received. - 06/06/24 Copy of appraisal received. | Funded C A |
| 900000963 | XXXX | 1062948 | 06/03/2024 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | E-Sign Disclosure not in file. | 06/12/2024 | Low DTI - 39.35% FTI w/a max allowed of 45%.; Low DTI - 48.03% LTV is below 85% maximum per guidelines.; |  | 06/11/24 E-Sign disclosure received. - 06/11/24 E-Sign disclosure received. | Funded C A |
| 900001002 | XXXX | 1063188 | 06/04/2024 | Property | Missing Required Property Inspection | PROP 0003 | 2 | Acknowledged |  |  |  |  |  | Approved C B |
| 900001002 | XXXX | 1063221 | 06/04/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged |  |  |  |  |  | Approved C B |
| 900001002 | XXXX | 1063733 | 06/07/2024 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 1 | Closed |  | 06/11/2024 |  |  |  | Approved C |
| 900000962 | XXXX | 1063626 | 06/06/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Property is xxx which requires pre-approval. Approved exception in file. |  | Disposable Income - Borrower has xxx in residual income.; None - Borrower has 29 months mortgage history with 0x30.; |  | Client: Investor Acknowledged Exception for rural property. | Funded C B |
| 900001013 | XXXX | 1063857 | 06/07/2024 | Property | Appraisal Value is not supported by comparables | APPR 0039 | 2 | Acknowledged | AVM returned with a confidence score of 71 and FSD of .29 which does not meet the minimum requirement of 90 /.10. |  | Low LTV/CLTV/HCLTV - 48.21% CLTV is below 85% maximum per guidelines; Verified housing payment history - Borrower has 0x30 for 47 months mortgage history; | 7/16/2024 - EV2/B Investor Acknowledged Exception.<br>7/15/2024 - "Exception approved. BPO came back within 10% tolerance. Please clear this exception".\*\* Missing copy of investor acknowledgement. APPR 0039 Exception Remains;<br>06/12/24 BPO received, value returned at xxx which supports the AVM value of xxx. Email sent to (investor) to accept. | Client: 7/16/2024 - EV2/B Investor Acknowledged Exception. | Funded C B |
| 900000972 | XXXX | 1063647 | 06/06/2024 | Compliance | Note is Incomplete | NOTE 0050 | 1 | Closed | Missing subject note, final compliance review pending. | 06/13/2024 | Low DTI - 25.45% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  | 06/12/24 Executed Note received. - 06/12/24 Executed Note received. | Approved C |
| 900000972 | XXXX | 1063674 | 06/06/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Final CD dated xx/xx/xx does not disclose if the lender did not offer an escrow account or if the borrower declined it. |  | Low DTI - 25.45% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  | Client: EV2 Non-Material | Approved C B |
| 900001007 | XXXX | 1063739 | 06/07/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for CD dated xxx for increase in Loan Discount Fee.--The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on xx/xx/xx: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). |  | Low LTV/CLTV/HCLTV - 69.66% CLTV is below 85% maximum per guidelines.; Verified credit history - 723 Score exceeds minimum 680 required per guidelines.; |  | Client: EV2 Post Closing Corrective Action- PC CD, LOE to borrower, copy of refund check, and tracking received. | Funded C B |
| 900000967 | XXXX | 1064203 | 06/11/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing title evidence to confirm policy amount of xxx. Commitment in file reflects xxx. Loan amount is xxx. | 06/12/2024 | Verified housing payment history - 60 combined months of mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with same employer for xxx years.; Net tangible benefit - Borrower paid off consumer debt totaling xxx with subject transaction eliminating xxx in monthly debt. ; |  | 06/11/24 FTP reflecting insured amount of xxx received. - 06/11/24 FTP reflecting insured amount of xxx received. | Funded C A |
| 900001048 | XXXX | 1063963 | 06/10/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for the increase in title endorsements and the addition of the closing fee of $xxx added on the CD dated 05/01/24. COC reflects reason for change as lock update. --The total amount of Closing Disclosure 10% Category fees ($xxx) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xx/xx/xx, ($xxx). The total amount of fees in this category cannot exceed ($xxx) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). |  | Verified housing payment history - 110 combined months mortgage pay history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off consumer debt totaling $xxx with subject transaction eliminating $xxx in total monthly payments.; Verified employment history - Borrower has been employed for 11 plus years with same employer.; | 7/16/2024 - Recd PCCD and cover letter. US Mailbox Rule can be applied for PCCD disclosing lender credit to cure, as lender credit on pg xxx of xxx. Tracking performed on the prior PCCD (Stip 7/2) confirms delivery of restitution on xx/xx. TRID 0124 Exception Downgraded to EV2/B.<br>07/02/24 PC CD, LOE to borrower, copy of refund check in the amount of $xxx, and tracking confirmation received.<br>\*\*Finding remains, PC CD reflects a Principal Reduction of $xxx in the Summaries of transaction vs the lender credit for fees over the legal limit in the Costs at Closing and Calculating Cash to Close sections. Missing corrective PC CD with credit for fees over the legal limit disclosed properly. | Client: 7/16/2024 - Recd PCCD and cover letter. US Mailbox Rule can be applied for PCCD disclosing lender credit to cure, as lender credit on pg xxx of xxx. Tracking performed on the prior PCCD (Stip 7/2) confirms delivery of restitution on xx/xx. TRID 0124 Exception Downgraded to EV2/B. | Funded C B |
| 900001048 | XXXX | 1063971 | 06/10/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Missing full appraisal as required for HPML loans. File contains AVM and PCI only. | 06/13/2024 | Verified housing payment history - 110 combined months mortgage pay history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off consumer debt totaling $xxx with subject transaction eliminating $xxx in total monthly payments.; Verified employment history - Borrower has been employed for 11 plus years with same employer.; |  | 06/13/24 Corrected fee, compliance re-summited, finding cleared loan not HPML. - 06/13/24 Corrected fee, compliance re-summited, finding cleared loan not HPML. | Funded C A |
| 900000959 | XXXX | 1064192 | 06/10/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Low DTI - 23.30% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has xxx in residual income.; |  | Client: EV2 Non-Material | Approved C B |
| 900000959 | XXXX | 1064405 | 06/11/2024 | Credit | Condo Documentation is Insufficient | COND 0002 | 1 | Closed | Missing executed Questionnaire for xxxx Assn. Only the lender's FNMA/FHLMC Limited or Streamline Review Condo Warranty form with the Master Insurance policy was provided. | 06/13/2024 | Low DTI - 23.30% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has xxx in residual income.; |  | 06/12/24 Executed Condo Questionnaire received. - 06/12/24 Executed Condo Questionnaire received. | Approved C |
| 900000986 | XXXX | 1064355 | 06/11/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for CD dated (#/##/####) for increase in Loan Discount from $785 to $845.--The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on 2024-05-20: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). | 06/26/2024 | Verified employment history - Borrower 2 has been on job xx years.; Disposable Income - Borrowers have xxx in residual income.; | 6/25/2024 - Exception is cleared with the attached copy of the re-disclosed CD and corresponding COC. TRID 0195 Exception Cleared; | 6/25/2024 - Exception is cleared with the attached copy of the re-disclosed CD and corresponding COC. TRID 0195 Exception Cleared; - 6/25/2024 - Exception is cleared with the attached copy of the re-disclosed CD and corresponding COC. TRID 0195 Exception Cleared; | Funded C A |
| 900000986 | XXXX | 1064359 | 06/11/2024 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | COC on pg 126 indicates disclosure issued xx/xx/xx, corresponding CD not found in file. | 06/26/2024 | Verified employment history - Borrower 2 has been on job xx years.; Disposable Income - Borrowers have xxx in residual income.; | 6/25/2024 - Exception is cleared with the attached copy of the re-disclosed CD and corresponding COC. TRID 0137 Exception Cleared; | 6/25/2024 - Exception is cleared with the attached copy of the re-disclosed CD and corresponding COC. TRID 0137 Exception Cleared; - 6/25/2024 - Exception is cleared with the attached copy of the re-disclosed CD and corresponding COC. TRID 0137 Exception Cleared; | Funded C A |
| 900001012 | XXXX | 1064330 | 06/11/2024 | Credit | Questionable continuation of income | CRED 0045 | 1 | Closed | Most recent pay stub in file dated xx/xx/xx/reflects borrower is currently receiving Short Term Disability (STD) pay and has only xxx of Regular income for xxxx. Missing written confirmation of their intent to return to work. If borrower is not returning to work, details of STD plan, including duration of STD should be documented. | 07/05/2024 | Verified credit history - 745 credit score, minimum score of 680 required. No derogatory credit since 12/2017. Credit file dates back to xxxx. ; |  | 06/27/24 LOE and copy of pay stub ending xx/xx/xx provided. Borrower has returned to work full time. - 06/27/24 LOE and copy of pay stub ending xx/xx/xx provided. Borrower has returned to work full time. | Funded C A |
| 900001012 | XXXX | 1064335 | 06/11/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Credit report lists deferred installment debt with (Company) last reporting on xx/xx. UW used 1% of balance for payment xxx/mo. Missing updated credit supplement to confirm current balance and confirm that payment is still deferred. | 07/05/2024 | Verified credit history - 745 credit score, minimum score of 680 required. No derogatory credit since 12/2017. Credit file dates back to xxxx. ; | 06/29/24 Recd from lender: Regarding the student – NAF is unable to obtain credit supplement to update the balance. We did use 1% of balance to qualify. Please review and advise. | 07/05/24 Lender was unable to obtain a credit supplement. 1% of balance as of xx/xx used to qualify. - 07/05/24 Lender was unable to obtain a credit supplement. 1% of balance as of xx/xx used to qualify. | Funded C A |
| 900001046 | XXXX | 1064529 | 06/12/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for increase in title insurance. --The total amount of Closing Disclosure 10% Category fees xxx increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xx/xx/xx, ($xxx). The total amount of fees in this category cannot exceed ($xxx) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). |  | Verified credit history - 789 Credit score exceeds minimum 680 per guidelines.; Low DTI - 19.31% DTI is below 50% maximum per guidelines.; | 7/22/2024 - Exception is downgraded to EV2/B with PCCD, cover letter, and copy of refund check in the amount of $xxx. Courier tracking confirms delivery completed within 60 days from discovery. TRID 0124 Exception Downgraded to EV2/B.<br>7/16/2024 - Recd PCCD, cover letter, and copy of refund check in the amount of $xxx. Tracking reflects label created. Exception can be downgraded to EV2/B upon receipt the package is in transit to borrower. | 06/18/24 COC received, finding cleared upon resubmission. - Client: 7/22/2024 - Exception is downgraded to EV2/B with PCCD, cover letter, and copy of refund check in the amount of $xxx. Courier tracking confirms delivery completed within 60 days from discovery. TRID 0124 Exception Downgraded to EV2/B.<br>06/18/24 COC received, finding cleared upon resubmission. | Funded C B |
| 900001046 | XXXX | 1066739 | 06/19/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for added appraisal fee of $xxx on the CD dated xx/xx/xx. | 07/16/2024 | Verified credit history - 789 Credit score exceeds minimum 680 per guidelines.; Low DTI - 19.31% DTI is below 50% maximum per guidelines.; |  | Remove Rounding - Remove Rounding | Funded C A |
| 900000990 | XXXX | 1064899 | 06/13/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing documentation to verify Creditor A/# ending in xxxx (Lease) with a balance of xxx as been satisfied. Account DLA xx/xx. New lease opened xx/xx Creditor A/# xxxx. | 06/19/2024 | Low LTV/CLTV/HCLTV - 54.50% CLTV is below 85% maximum per guidelines.; Verified credit history - xxx Credit score exceeds minimum xxx per guidelines.; |  | 06/18/24 Credit supplement verifying $0 balance received. - 06/18/24 Credit supplement verifying $0 balance received. | Approved C |
| 900001004 | XXXX | 1064336 | 06/11/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 2 | Acknowledged | Affiliated Business Disclosure not in file. The FACTS Privacy Notice reflects the lender does have affiliates. |  |  |  | Client: EV2 Review verified no fees paid to affiliate per final CD. | Funded C B |
| 900001004 | XXXX | 1064473 | 06/12/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing past two years Wage tax transcripts on both borrowers as required per guidelines. | 06/25/2024 |  |  | 06/25/24 xxxx/xxxx 1040 transcripts received. - 06/25/24 xxxx/xxxx 1040 transcripts received. | Funded C A |
| 900001004 | XXXX | 1064475 | 06/12/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing documentation to support the xxx "other payment" included in borrowers PITIA of the subject property. Amount is reflected on 1008 and final 1003. | 06/19/2024 |  |  | 06/18/24 Explanation from lender received. Additional xxx was MI from 1st lien. Review had already considered in the 1st lien payment of xxx used to qualify. FHAMIP disbursement xxx. - 06/18/24 Explanation from lender received. Additional xxx was MI from 1st lien. Review had already considered in the 1st lien payment of xxx used to qualify. FHAMIP disbursement xxx. | Funded C A |
| 900000975 | XXXX | 1064879 | 06/13/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified housing payment history - 189 combined months of housing payments paid 0x30 per credit report.; Verified employment history - Per VVOE, borrower has been with current employer for xxx years. Borrower also receives Retirement/Pension pay that will continue for lifetime and has been receiving it for over xxx years per income documents in file. ; |  | Client: EV2 Non-Material | Approved C B |
| 900001014 | XXXX | 1064933 | 06/13/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Unable to validate lender's Estimated taxes, insurance & assessments of xxx or Estimated Property Costs over Year 1 of xxx (11 mths) on the final CD dated xx/xx/xx. Review calculated Estimated taxes, insurance and assessments of xxx with Estimated Property Costs over Year 1 of xxx (11 mths). (Variance in review / lender is the HOI. Lender used xxx, Review calculated xxx based on total policy premium of xxx.) |  | Verified reserves - Borrowers have 29.99 months reserves which exceeds 0 months required per guidelines.; Verified credit history - 803 Credit score exceeds minimum 680 required per guidelines.; |  | Client: EV2 Post-Closing Corrective Action - 07/02/24 PC CD with LOE to the borrower received. | Funded C B |
| 900001047 | XXXX | 1065722 | 06/17/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Review is pending verification of additional $xxx included in the Estimated Taxes, Insurance, & Assessments of $xxx. See CRED 0086. |  | Low LTV/CLTV/HCLTV - 36.42% CLTV is less than 85% maximum per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; | 7/9/2024 - Exception is downgraded to EV2/B with the attached corrective PCCD and corresponding letter of explanation; 11 Months Disclosed. US Mailbox Rule to be applied. | Client: 7/9/2024 - Exception is downgraded to EV2/B with the attached corrective PCCD and corresponding letter of explanation; 11 Months Disclosed. US Mailbox Rule to be applied. | Funded C B |
| 900001047 | XXXX | 1065843 | 06/17/2024 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 1 | Closed | Final 1008 includes a monthly expense included in the proposed subject payment of $xxx but has no documentation supporting what the expense is for. Provide documentation as to what the expense is for and supporting documentation as to the amount. | 07/16/2024 | Low LTV/CLTV/HCLTV - 36.42% CLTV is less than 85% maximum per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; | 7/16/2024 - Exception is cleared. Lender disclosed actual tax and insurance, but qualified the borrower using the greater escrowed payment from 1st lien. CRED 0086 Exception Cleared;<br>7/9/2024 - Recd PCCD with miscellaneous payment of $xxx removed. Missing updated 1008/1003 with miscellaneous expense of $xxx removed and processor cert attesting the expense was included in error. CRED 0086 Exception Remains; | 7/16/2024 - Exception is cleared. Lender disclosed actual tax and insurance, but qualified the borrower using the greater escrowed payment from 1st lien. CRED 0086 Exception Cleared;<br>- 7/16/2024 - Exception is cleared. Lender disclosed actual tax and insurance, but qualified the borrower using the greater escrowed payment from 1st lien. CRED 0086 Exception Cleared; | Funded C A |
| 900000991 | XXXX | 1066035 | 06/17/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Low LTV/CLTV/HCLTV - 66.83% CLTV is below 85% maximum per guidelines.; Low DTI - 32.13% DTI is below 45% maximum per guidelines.; |  | Client: EV2 Non-Material | Approved C B |
| 900001015 | XXXX | 1066853 | 06/20/2024 | Credit | Missing Lender Project Condo Classification | COND 0010 | 1 | Closed | Missing completed condo questionnaire with all applicable attachments as required per guidelines. | 07/03/2024 | Low LTV/CLTV/HCLTV - 68.57% CLTV is below minimum 85% per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  | 06/27/24 Subject is a detached condo and meets FNMA requirements for waiver of project review. - 06/27/24 Subject is a detached condo and meets FNMA requirements for waiver of project review. | Funded C A |
| 900001083 | XXXX | 1066968 | 06/20/2024 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed | Final 1003 lists 2 mortgages against subject property. The accounts are not liens showing on the title commitment. Missing copy of the final title policy to verify subject loan is in 2nd lien position. | 08/05/2024 | Low DTI - 24.77% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | 7/31/2024 - Attached Home Equity Line Policy doesn't reflect any exceptions. TITL 0003 Exception Cleared;<br>6/25/2024 - Attached Home Equity Line Policy doesn't reflect first lien information. Missing evidence that the loans with (company) are not secured by the subject property. TITL 0003 Exception Remains; | 7/31/2024 - Attached Home Equity Line Policy doesn't reflect any exceptions. TITL 0003 Exception Cleared;<br>- 7/31/2024 - Attached Home Equity Line Policy doesn't reflect any exceptions. TITL 0003 Exception Cleared; | Approved C |
| 900001082 | XXXX | 1067423 | 06/21/2024 | Compliance | Zero Tolerance Fee Violation | COMP 0027 | 2 | Acknowledged | Missing valid changed circumstance for the addition of the PCR Evaluation for $xxx. There is a COC form but does not indicate a changed circumstance that led to charging the borrower this fee. The appraisal was completed as-is, (agency) SSR score is below 2.5, there is no copy of the PCR Evaluation in the file. A PCR does not appear to be required per guideline and there were no changes noted to the loan to lead to the requirement for this report. |  | Verified occupancy in subject property - Borrower has lived in residence xxx years.; | 7/19/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check of $xxx, and courier tracking slip. Courier tracking confirms package is in transit. COMP 0027 Exception Downgraded to EV2/B.<br>06/29/24 Duplicate copy of the CD and COC in file provided for review.<br>\*\*Finding remains, missing explanation for addition of the Property condition report. File contains full "as is" appraisal. | Client: 7/19/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check of $xxx, and courier tracking slip. Courier tracking confirms package is in transit. COMP 0027 Exception Downgraded to EV2/B. | Approved C B |
| 900001082 | XXXX | 1067448 | 06/24/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | 45.84% DTI exceeds maximum 45% per guidelines. Lender did not include solar payment payment of $xxx in calculation. | 08/07/2024 | Verified occupancy in subject property - Borrower has lived in residence xxx years.; | 8/7/2024 - Exception is cleared with the attached borrower signed 1003 with corrected income. CRED 0004 Exception Cleared;<br>7/23/2024 - Exception is partially cleared with the attached updated 1008. The attached 1003 does not reflect the new qualifying income. Exception can be cleared upon receipt of the borrower signed updated 1003 or evidence of electronic delivery to borrower of the updated 1003. CRED 0004 Exception Remains;<br>7/16/2024 - "I just reviewed the file, it looks like we can give the borrower a little more income to offset the added debt. An exception should not be needed since we are able to keep it below 45%. Please forward a copy of the updated approval and income calculations." \*\* Missing copy of the corrected 1003/1008. CRED 0004 Exception Remains; | 8/7/2024 - Exception is cleared with the attached borrower signed 1003 with corrected income. CRED 0004 Exception Cleared; - 8/7/2024 - Exception is cleared with the attached borrower signed 1003 with corrected income. CRED 0004 Exception Cleared; | Approved C |
| 900001082 | XXXX | 1067450 | 06/24/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing updated loan approval with the final loan amount of $xxx. | 07/03/2024 | Verified occupancy in subject property - Borrower has lived in residence xxx years.; |  | 06/29/24 Copy of final loan approval received. - 06/29/24 Copy of final loan approval received. | Approved C |
| 900001016 | XXXX | 1067465 | 06/24/2024 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Final 1008 lists property expense of xxx monthly, but there is nothing in the file documenting what the expense is for or documenting the amount. | 07/09/2024 | Low LTV/CLTV/HCLTV - 55.470% CLTV is less than 75% maximum per guidelines.; Verified employment history - Borrower 1 has been on job for xxx years.; | 07/03/24 Recd from lender: The xxx is part of the 1st lien PITI. I updated the 1008 to reflect the calculation (see attached and below) For non- subject property. Property profile and HOI are in the e-folder "Credit- PITIA- ALL Other properties". Property profile verified: a) free and clear. b) Tax amount of xxx/12= xxx. c) HOI statement xxx. | 07/03/24 Explanation of additional qualifying amount of xxx received. - 07/03/24 Explanation of additional qualifying amount of xxx received. | Approved C |
| 900001017 | XXXX | 1067238 | 06/21/2024 | Compliance | Affiliated Business Disclosure Not Provided Within 3 Business Days of Application | COMP 0035 | 1 | Closed | Missing evidence the Affiliated Business Disclosure was provided within 3 Business Days of Application. | 07/16/2024 | Verified housing payment history - Borrower has a mortgage history of 0x30x44 which exceeds minimum 24 month requirement.; Disposable Income - Borrower has xxx in residual income.; | 7/9/2024 - Exception cleared with the attached disclosure tracking evidencing delivery to borrower of the affiliated business disclosure within 3 business days from the application date. COMP 0035 Exception Cleared; | 7/9/2024 - Exception cleared with the attached disclosure tracking evidencing delivery to borrower of the affiliated business disclosure within 3 business days from the application date. COMP 0035 Exception Cleared; - 7/9/2024 - Exception cleared with the attached disclosure tracking evidencing delivery to borrower of the affiliated business disclosure within 3 business days from the application date. COMP 0035 Exception Cleared; | Funded B A |
| 900001017 | XXXX | 1067240 | 06/21/2024 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | Missing E-Sign Disclosure, no consent documentation or electronic tracking of disclosure delivery located in the file. Disclosures including initial LE/Intent to Proceed and initial CD were e-signed. | 07/16/2024 | Verified housing payment history - Borrower has a mortgage history of 0x30x44 which exceeds minimum 24 month requirement.; Disposable Income - Borrower has xxx in residual income.; | 7/9/2024 - Exception is cleared with the attached copy of the borrowers eConsent. TRID 0134 Exception Cleared; | 7/9/2024 - Exception is cleared with the attached copy of the borrowers eConsent. TRID 0134 Exception Cleared; - 7/9/2024 - Exception is cleared with the attached copy of the borrowers eConsent. TRID 0134 Exception Cleared; | Funded C A |
| 900001017 | XXXX | 1067265 | 06/21/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | The appraiser does not include an executed certification stating the appraisal was prepared in accordance Title XI of FIRREA and any implementing regulations. |  | Verified housing payment history - Borrower has a mortgage history of 0x30x44 which exceeds minimum 24 month requirement.; Disposable Income - Borrower has xxx in residual income.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001049 | XXXX | 1067533 | 06/24/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing valid COC for increase in County Tax Stamps. COC does not give a reason for increase in fee, it only refers to its change. Fee increased from 700 to $xxx-- |  | Verified reserves - 2 months reserves required, 8 months reserves from cash out proceeds.; Established credit history - Credit history dates back 24 years with no reported lates.; | 7/23/2024 - Exception is downgraded to EV2 with the attached PCCD, copy of refund check, cover letter, and courier tracking slip. Courier tracking confirms the package is in transit. TRID 0195 Downgraded to EV2/B; | Client: 7/23/2024 - Exception is downgraded to EV2 with the attached PCCD, copy of refund check, cover letter, and courier tracking slip. Courier tracking confirms the package is in transit. TRID 0195 Downgraded to EV2/B; | Funded C B |
| 900001085 | XXXX | 1067516 | 06/24/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | COC for the CD issued xx/xx/xx for the added property data report does not give a reason for the added fee.--The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xx/xx/xx: Desk Review Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). |  | Verified employment history - Both borrowers have been with their current employers more than xxx years.; Low DTI - DTI is 20.92%, up to ; Verified reserves - No reserves required, borrowers are receiving 15.54 months from cash out proceeds; | 8/7/2024 - Exception is cured with the attached xx/xx PCCD, cover letter, copy of refund check $xxx, and courier tracking slip to evidence package is in transit.<br>NOTES: PDR fee was not disclosed on the LE. COC for the addition of the fee is inaccurate since the PDR was ordered prior to the appraisal report. Appraisal Fee was disclosed on the LE, removed in error on xx/xx CD and then added back on second xx/xx CD. Appraisal Fee did not increase from LE to Final CD.<br>TRID 0195 Exception Downgraded to EV2/B;<br>7/15/2024 - "Please see attached PDR, the FSD score did not meet guidelines so a full appraisal had to be requested." <br>\*\* Two CDs were issued on xx/xx; One disclosed an Appraisal Fee $xxx and PDR $xxx, and the other disclosed just the PDR Fee of $xxx. <br>Order of issuance of the two CDs dated xx/xx is to be confirmed including change of circumstance. <br>COC on xx/xx states Property Data Report, Appraisal Fee Added ($xxx), charged to borrower. <br>COC on xx/xx states Property Data Report Fee ($xxx) added, Charged to Borrower. <br>Review is unable to confirm if CD dated xx/xx disclosed the addition of the PDR Fee of $xxx and removed the appraisal fee of $xxx in error, which is why a second CD dated xx/xx was issued to add back the appraisal fee of $xxx. In this scenario, the COC for adding back the appraisal fee would be inaccurate as the appraisal fee added reflects the amount of of the PDR fee.<br>NOTES: Appraisal completed xx/xx, which is within 3 business days of the PDR being completed on xx/xx. The initial LE disclosed the appraisal fee of $xxx. The LE should have disclosed the PDR fee $xxx and then added the appraisal fee of $xxx on the initial CD dated xx/xx. Instead the appraisal fee was disclosed and the secondary valuation fee added. The changed circumstance is that the FSD score did not meet guideline requirements on xx/xx, thus requiring a secondary valuation that was completed on xx/xx. The initial CD dated 5/20 disclosing the additional valuation fee was issued within 3 business days of the change date of xx/xx. <br>TRID 0195 Exception Remains;<br>07/03/24 Recd from lender: Hello, I and the Team couldn't find this specific Desk Review Fee. Can you confirm where you are are seeing this and what date of the LE/CD its on?<br>\*\* 07/09/24 Fee on the CD dated xx/xx/xx is labeled as Appraisal-Property Data Report paid to Stewart Valuation. | Client: 8/7/2024 - Exception is cured with the attached xx/xx PCCD, cover letter, copy of refund check $xxx, and courier tracking slip to evidence package is in transit.<br>NOTES: PDR fee was not disclosed on the LE. COC for the addition of the fee is inaccurate since the PDR was ordered prior to the appraisal report. Appraisal Fee was disclosed on the LE, removed in error on xx/xx CD and then added back on second xx/xx CD. Appraisal Fee did not increase from LE to Final CD.<br>TRID 0195 Exception Downgraded to EV2/B; | Approved C B |
| 900001085 | XXXX | 1071668 | 07/16/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 07/16/2024 | Verified employment history - Both borrowers have been with their current employers more than xxx years.; Low DTI - DTI is 20.92%, up to ; Verified reserves - No reserves required, borrowers are receiving 15.54 months from cash out proceeds; |  | Duplicate of 0195 - Duplicate of 0195 | Approved C |
| 900001023 | XXXX | 1067763 | 06/25/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing underwriter approval, file only contains the 1008. | 07/03/2024 | Verified credit history - 776 credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  | 07/01/24 Lender loan approval received. - 07/01/24 Lender loan approval received. | Funded D A |
| 900001023 | XXXX | 1068033 | 06/26/2024 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Missing copy of Note on new 2nd lien on (Property Address). Final 1003 states a new loan is pending on the property but there is no documentation in the file of the new expense or loan amount. | 07/03/2024 | Verified credit history - 776 credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  | 07/01/24 Copy of Final CD and Note received. - 07/01/24 Copy of Final CD and Note received. | Funded C A |
| 900001023 | XXXX | 1068034 | 06/26/2024 | Credit | Missing Subordination Agreement | NOTE 0006 | 2 | Acknowledged | Title shows 2 UCC liens that are subordinated to subject lien. Lender approved exception allowing subordinated liens behind subject lien. |  | Verified credit history - 776 credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  | Client: EV2 Investor Acknowledged Exception | Funded C B |
| 900001023 | XXXX | 1068040 | 06/26/2024 | Credit | Asset Documentation is Insufficient | CRED 0083 | 1 | Closed | Missing documentation linking transaction history to borrowers. Borrowers are bringing funds to close and this is the only asset verification in file. | 07/03/2024 | Verified credit history - 776 credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  | 07/02/24 Copy of bank statement that corresponds with print out received. - 07/02/24 Copy of bank statement that corresponds with print out received. | Funded C A |
| 900001036 | XXXX | 1067920 | 06/26/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Low LTV/CLTV/HCLTV - 49.51% CLTV is below 85% maximum per guidelines.; Low DTI - 37.84% DTI is below 45% maximum per guidelines.; No Apparent Right to Statutory Damages - EV2 Non-material; |  | Mitigated Risk: EV2 Non-material. First lien is escrowed. | Funded C B |
| 900001036 | XXXX | 1067921 | 06/26/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender final approval. Used 1008 for DTI. | 07/09/2024 | Low LTV/CLTV/HCLTV - 49.51% CLTV is below 85% maximum per guidelines.; Low DTI - 37.84% DTI is below 45% maximum per guidelines.; No Apparent Right to Statutory Damages - EV2 Non-material; |  | 07/03/24 Lender loan approval received. - 07/03/24 Lender loan approval received. | Funded D A |
| 900001036 | XXXX | 1067923 | 06/26/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing dry funding CD. Closing CD disbursement date x/xx is prior to the ROR Expiration Date x/xx. | 07/09/2024 | Low LTV/CLTV/HCLTV - 49.51% CLTV is below 85% maximum per guidelines.; Low DTI - 37.84% DTI is below 45% maximum per guidelines.; No Apparent Right to Statutory Damages - EV2 Non-material; |  | 07/03/24 Final HUD and CD received confirming funding date of xx/xx/xx. - 07/03/24 Final HUD and CD received confirming funding date of xx/xx/xx. | Funded C A |
| 900001050 | XXXX | 1068356 | 06/27/2024 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 1 | Closed | VVOE is not within 10 business days of note date. | 07/16/2024 | Verified housing payment history - Borrower has mortgage history of 0x30x30.; Verified employment history - Borrower has been on job xxx years.; | 7/11/2024 - Exception is cleared with the attached VVOE completed within 10 business days of the note date. CRED 0072 Exception Cleared; | 7/11/2024 - Exception is cleared with the attached VVOE completed within 10 business days of the note date. CRED 0072 Exception Cleared; - 7/11/2024 - Exception is cleared with the attached VVOE completed within 10 business days of the note date. CRED 0072 Exception Cleared; | Funded C A |
| 900001052 | XXXX | 1068509 | 06/28/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing tax transcripts for most recent two years. | 07/18/2024 | Low DTI - 35.33% DTI is less than $xx maximum per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; | 7/16/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; | 7/16/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; - 7/16/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared; | Funded C A |
| 900001032 | XXXX | 1068612 | 07/01/2024 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Missing documentation of property expenses for (property name) property. | 07/11/2024 | Low LTV/CLTV/HCLTV - 62.80% CLTV is below 85% maximum per guidelines.; Verified credit history - 807 Credit score exceeds minimum 680 required per guidelines.; |  | 07/09/24 PDR received confirming property is land only. xxxx Taxes xxx. - 07/09/24 PDR received confirming property is land only. xxxx Taxes xxx. | Funded C A |
| 900001032 | XXXX | 1068658 | 07/01/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Approved DTI double counted the taxes and insurance already being escrowed on the first lien. Review DTI 37.46% / Approved DTI 43.74%, variance > 3%. Provide updated 1008/1003 with accurate housing expense. | 07/11/2024 | Low LTV/CLTV/HCLTV - 62.80% CLTV is below 85% maximum per guidelines.; Verified credit history - 807 Credit score exceeds minimum 680 required per guidelines.; |  | 07/09/24 Updated approval and 1008 received. - 07/09/24 Updated approval and 1008 received. | Funded C A |
| 900001060 | XXXX | 1068558 | 06/28/2024 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 1 | Closed | The Maximum Principal and Interest Payment Amount in column 1 of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of ($xxx), while the Calculated Projected Payments Table has a value of ($xxx). | 07/09/2024 | Low LTV/CLTV/HCLTV - 63.55% CLTV is less than 80% maximum per guidelines.; Verified credit history - 756 Credit score exceeds minimum 680 per guidelines.; | 07/05/24 Recd from counsel :"A lender cannot under or over disclose either of the payments in the P&I range, in the projected payments table. Any inaccuracy (>$xxx) results in an Ev3/C finding." | 07/09/24 Confirmed $xxx variance is acceptable as it is within $xxx. - 07/09/24 Confirmed $xxx variance is acceptable as it is within $xxx. | Funded C A |
| 900001060 | XXXX | 1068663 | 07/01/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing most recent two years wage and income tax transcripts for Borrower 2. | 07/16/2024 | Low LTV/CLTV/HCLTV - 63.55% CLTV is less than 80% maximum per guidelines.; Verified credit history - 756 Credit score exceeds minimum 680 per guidelines.; | 7/15/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; | 7/15/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; - 7/15/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared; | Funded C A |
| 900001039 | XXXX | 1068876 | 07/02/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing documentation to support disability income of xxx per month used to qualify for B1. or an updated 1008 which excludes this income. Review DTI w/income excluded is 40.33%. | 07/03/2024 | Verified employment history - Borrower 1 has been on job xxx.; Verified housing payment history - Borrowers have verified mortgage history of 0x30x41 which exceeds minimum required 0x30x24.; | 07/03/24Recd from lender: VA disability of xxx - grossed up 25% = xxx. | 07/03/24 COE verifying VA disability located in file. - 07/03/24 COE verifying VA disability located in file. | Funded C A |
| 900001029 | XXXX | 1069094 | 07/03/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing lender loan approval. | 07/11/2024 | Verified credit history - 775 Score exceeds minimum 700 per guidelines.; Low DTI - 27.05% DTI is below 50% maximum per guidelines.; |  | 07/08/24 Lender loan approval received. - 07/08/24 Lender loan approval received. | Funded C A |
| 900001108 | XXXX | 1068812 | 07/02/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for added Desk Review fee on CD issued xx/xx/xx. |  | Low DTI - 36.08% DTI is less than 50% maximum per guidelines.; Verified credit history - 781 Credit score exceeds minimum 680 per guidelines.; | 08/16/24 Delivery confirmed.<br>08/13/24 PC CD, LOE to borrower, refund check of $xxx, and Fed-Ex Tracking Received.<br>7/9/2024 - "Hello, For the two CoC conditions I cant seem to find the Desk Review Fee listed. Could you confirm on what date it shows up on the LE/CD. And is this desk review fee two conditions but one fee to cure if needed? And if a cure is needed for how much. Thank you!" \*\* The Appraisal Field Review Fee of $xxx was disclosed the initial CD xx/xx. If there is not a valid change of circumstance for the addition of the fee then then the amount of refund required to cure is $xxx. TRID 0195 Exception Remains; | Client: EV2 Post Closing Corrective Action --08/16/24 Delivery confirmed. <br>08/13/24 PC CD, LOE to borrower, refund check of $xxx, and (courier) Tracking Received. | Funded C B |
| 900001108 | XXXX | 1068960 | 07/03/2024 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed | Title shows a hospital lien and tax lien with no indication of release in file and no proof paid at closing. | 08/13/2024 | Low DTI - 36.08% DTI is less than 50% maximum per guidelines.; Verified credit history - 781 Credit score exceeds minimum 680 per guidelines.; | 8/13/2024 - Recd correspondence from title, "The property report did show a hospital lien. However, we did not place on title as hospital liens do not attach in AL." --- Per FNMA, Delinquent credit—including taxes, judgments, charge-offs of non-mortgage accounts tax liens, mechanic's or materialmen's liens, and liens that have the potential to affect Fannie Mae's lien position or diminish the borrower's equity—must be paid off at or prior to closing. Medical collection accounts are excluded not required to be paid in full at or prior to closing. TITL 0003 Exception Cleared;<br>8/7/2024 - "Got this response from Title, Could you review and let us know what is needed to clear? "The property report did show a hospital lien. However, we did not place on title as hospital liens do not attach in AL." --- Provide written confirmation from title agent hospital liens do no attached to personal property. TITL 0003 Exception Remains;<br>7/23/2024 - "Per Title "I've attached our commitment, I am not seeing a hospital lien or a tax lien." \*\* No exception cleared. There is an open hospital lien in the amount of $xxx recorded xx/xx/xx (#xxxxxx), as per property summary report xx/xx/xx ordered by (Company). TITL 0003 Exception Remains;<br>7/16/2024 - "Regarding the other item – I'm pretty positive that hospital lien in the search pkg has been paid in full/satisfied which is why it doesn't reflect on the prelim report. I checked this file, along with the prior prelim report from this borrowers refinance in 2020 and both have cleared title. I can ask our title company if they can provide anything, if needed, but shouldn't they be going off the prelim report? Let me know if not, and I'll work on this asap." \*\* No exception cleared. The hospital lien is documented on the title search ordered by the title company. TITL 0003 Exception Remains; | 8/13/2024 - Recd correspondence from title, "The property report did show a hospital lien. However, we did not place on title as hospital liens do not attach in xxx." --- Per FNMA, Delinquent credit—including taxes, judgments, charge-offs of non-mortgage accounts tax liens, mechanic's or materialmen's liens, and liens that have the potential to affect Fannie Mae's lien position or diminish the borrower's equity—must be paid off at or prior to closing. Medical collection accounts are excluded not required to be paid in full at or prior to closing. TITL 0003 Exception Cleared; - 8/13/2024 - Recd correspondence from title, "The property report did show a hospital lien. However, we did not place on title as hospital liens do not attach in xxx." --- Per FNMA, Delinquent credit—including taxes, judgments, charge-offs of non-mortgage accounts tax liens, mechanic's or materialmen's liens, and liens that have the potential to affect Fannie Mae's lien position or diminish the borrower's equity—must be paid off at or prior to closing. Medical collection accounts are excluded not required to be paid in full at or prior to closing. TITL 0003 Exception Cleared; | Funded C A |
| 900001051 | XXXX | 1068822 | 07/02/2024 | Credit | Residency documentation is missing or incomplete | APP 0032 | 1 | Closed | Missing evidence of residency. B1 listed as Non-Permanent Resident Alien on final application on. | 07/25/2024 | Low LTV/CLTV/HCLTV - 60.12% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrowers have 0x30x46 mortgage history which exceeds minimum 0x30x24.; | 7/23/2024 - Recd unsigned updated 1003 to support B1 signed attestation (Stip 7/14). APP 0032 Exception Cleared;<br>7/14/2024 - Recd borrower attestation of US Citizenship. \*\* Missing updated signed 1003 reflecting US Citizenship. APP 0032 Exception Remains; | 7/23/2024 - Recd unsigned updated 1003 to support B1 signed attestation (Stip 7/14). APP 0032 Exception Cleared; - 7/23/2024 - Recd unsigned updated 1003 to support B1 signed attestation (Stip 7/14). APP 0032 Exception Cleared; | Funded C A |
| 900001053 | XXXX | 1068860 | 07/02/2024 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal Description not attached to or contained within Mortgage. Missing Exhibit A.<br>| 07/16/2024 | Low LTV/CLTV/HCLTV - 69.88% CLTV is below 75% maximum per guidelines.; Verified housing payment history - Borrower has 0x30x46 mortgage history which exceeds required 0x30x24.; | 7/16/2024 - Exception is cleared with the attached copy of the recorded mortgage with legal description included. DEED 0021 Exception Cleared; | 7/16/2024 - Exception is cleared with the attached copy of the recorded mortgage with legal description included. DEED 0021 Exception Cleared; - 7/16/2024 - Exception is cleared with the attached copy of the recorded mortgage with legal description included. DEED 0021 Exception Cleared; | Funded C A |
| 900001107 | XXXX | 1069125 | 07/05/2024 | Credit | Missing Lender Project Condo Classification | COND 0010 | 1 | Closed | Missing Lender Project Condo Classification (Warrantable / Non-Warrantable) | 07/12/2024 | Verified employment history - Borrower has been on current job xxx years.; Disposable Income - Borrower has $xxx in residual income.; | 7/11/2024 - Exception is cleared with attached agency project approval and HOA questionnaire. COND 0010 Exception Cleared; | 7/11/2024 - Exception is cleared with attached agency project approval and HOA questionnaire. COND 0010 Exception Cleared; - 7/11/2024 - Exception is cleared with attached agency project approval and HOA questionnaire. COND 0010 Exception Cleared; | Funded C A |
| 900001107 | XXXX | 1069235 | 07/05/2024 | Credit | Condo Documentation is Insufficient | COND 0002 | 1 | Closed | Missing completed condo questionnaire with all accompanying exhibits as required for attached Condo. | 07/12/2024 | Verified employment history - Borrower has been on current job xxx years.; Disposable Income - Borrower has $xxx in residual income.; | 7/11/2024 - Exception is cleared with attached agency project approval and HOA questionnaire. COND 0002 Exception Cleared; | 7/11/2024 - Exception is cleared with attached agency project approval and HOA questionnaire. COND 0002 Exception Cleared; - 7/11/2024 - Exception is cleared with attached agency project approval and HOA questionnaire. COND 0002 Exception Cleared; | Funded C A |
| 900001107 | XXXX | 1069237 | 07/05/2024 | Credit | Insufficient Verified Reserves (Number of Months) | CRED 0017 | 1 | Closed | Missing verification 2 months PITIA in reserves as required. Actual reserves verified 0.64 mths ($xxx) | 08/14/2024 | Verified employment history - Borrower has been on current job xxx years.; Disposable Income - Borrower has $xxx in residual income.; | 8/13/2024 - Recd borrowers quarterly retirement statement. CRED 0017 Exception Cleared; | 8/13/2024 - Recd borrowers quarterly retirement statement. CRED 0017 Exception Cleared; - 8/13/2024 - Recd borrowers quarterly retirement statement. CRED 0017 Exception Cleared; | Funded C A |
| 900001055 | XXXX | 1068934 | 07/03/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing valid COC for addition of Appraisal Review Fee. COC is blank. -- |  | Verified housing payment history - 53 combined months of housing paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with current employer for xxx years plus. ; | 7/19/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, refund check of $xxx, and courier tracking slip. Courier tracking confirms package is in transit. TRID 0195 Exception Downgraded to EV2/B;<br>7/10/2024 - "Hello! Team is reviewing the condition but can you confirm the cure amount for this if its needed? Thank you!" \*\* The amount of refund required is $xxx, unless there is a valid change of circumstance for the addition of the appraisal review fee. TRID 0195 Exception Remains; | Client: 7/19/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, refund check of $xxx5, and courier tracking slip. Courier tracking confirms package is in transit. TRID 0195 Exception Downgraded to EV2/B; | Funded C B |
| 900001031 | XXXX | 1068940 | 07/03/2024 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Missing ROR executed by borrower. ROR is executed by non-applicant mortgagor only. | 07/11/2024 | Low DTI - 31.91% DTI is below 45% maximum per guidelines.; Verified credit history - 724 Credit score exceeds minimum 680 required per guidelines.; |  | 07/09/24 Borrower executed ROR received. - 07/09/24 Borrower executed ROR received. | Funded C A |
| 900001038 | XXXX | 1068968 | 07/03/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Missing final title to verify Item 6: Mechanics Lien has been cleared. | 07/09/2024 | Verified housing payment history - 50 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off all outstanding consumer debt (3 accounts totaling xxx) eliminating xxx in total monthly payments and received an additional xxx cash in hand ; | 07/05/24 Recd from lender: unable to locate mechanic's lien listed on title - please re-review? | 07/09/24 Agree with lender, verbiage for #6 is generic and does not reference a recorded mechanics lien. - 07/09/24 Agree with lender, verbiage for #6 is generic and does not reference a recorded mechanics lien. | Funded C A |
| 900001038 | XXXX | 1069217 | 07/05/2024 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Missing updated Appraisal to reflect PUD information and confirmation of monthly HOA dues. Property disclosed as a PUD (Mortgage has PUD Rider) but Appraisal does not reflect subject is a PUD. Copy of HOA bill provided to reflect xxx monthly charge. Appraisal to confirm. | 07/09/2024 | Verified housing payment history - 50 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off all outstanding consumer debt (3 accounts totaling xxx) eliminating xxx in total monthly payments and received an additional xxx cash in hand ; |  | 07/08/24 Corrected appraisal received. - 07/08/24 Corrected appraisal received. | Funded C A |
| 900001021 | XXXX | 1069130 | 07/05/2024 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Missing ROR executed by non-applicant mortgagor. | 07/12/2024 | Verified employment history - Borrower has been employed with same employer for over xxx years. ; Verified housing payment history - 46 months of mortgage history paid 0x30 per credit report. ; Verified credit history - 785 representative credit score. All credit history reported is paid 0x30 with oldest tradeline opened for over xxx years (xx/xx). ; | 7/11/2024 - Exception is cleared with the attached ROR for non-applicant mortgagor. ROR 0004 Exception Cleared; | 7/11/2024 - Exception is cleared with the attached ROR for non-applicant mortgagor. ROR 0004 Exception Cleared; - 7/11/2024 - Exception is cleared with the attached ROR for non-applicant mortgagor. ROR 0004 Exception Cleared; | Funded C A |
| 900001022 | XXXX | 1069160 | 07/05/2024 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | E-sign tracking states an LE issued xx/xx/xx was mailed to borrowers. LE issued xx/xx/xx is not in file. | 07/11/2024 | Verified housing payment history - Borrowers have a verified housing history of 0x30x45 which exceeds the minimum required of 0x30x24.; Verified credit history - Credit score of 811 exceeds minimum 680 required per guidelines.; |  | 07/07/24 xx/xx/xx LE received. - 07/07/24 xx/xx/xx LE received. | Funded C A |
| 900001022 | XXXX | 1069333 | 07/08/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing required verification of employment for B1 dated within 10 days of the note date xx/xx/xx. | 07/11/2024 | Verified housing payment history - Borrowers have a verified housing history of 0x30x45 which exceeds the minimum required of 0x30x24.; Verified credit history - Credit score of 811 exceeds minimum 680 required per guidelines.; |  | 07/11/24 VVOE completed xx/xx/xx received. - 07/11/24 VVOE completed xx/xx/xx received. | Funded C A |
| 900001022 | XXXX | 1069335 | 07/08/2024 | Credit | Unacceptable transaction type | CRED 0044 | 2 | Acknowledged | Guidelines require the signors on the first lien to match the signors on the second lien. Borrower 2 is not on the first lien and there is an approved exception to add spouse on the loan. |  | Verified housing payment history - Borrowers have a verified housing history of 0x30x45 which exceeds the minimum required of 0x30x24.; Verified credit history - Credit score of 811 exceeds minimum 680 required per guidelines.; |  | Client: EV2 Investor Acknowledged Exception | Funded C B |
| 900001022 | XXXX | 1069599 | 07/08/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | File is missing final lender approval. Used 1008 for DTI. | 07/11/2024 | Verified housing payment history - Borrowers have a verified housing history of 0x30x45 which exceeds the minimum required of 0x30x24.; Verified credit history - Credit score of 811 exceeds minimum 680 required per guidelines.; |  | 07/11/24 Lender loan approval received. - 07/11/24 Lender loan approval received. | Funded C A |
| 900001073 | XXXX | 1069193 | 07/05/2024 | Credit | Missing and/or Deficient Name Affidavit | CRED 0094 | 1 | Closed | REMOVE | 07/19/2024 | Low DTI - 37.11% DTI is below 50% maximum per guidelines.; Low LTV/CLTV/HCLTV - 64.49% CLTV is below 85% maximum per guidelines.; | REMOVE | REMOVE - REMOVE | Approved C |
| 900001086 | XXXX | 1069435 | 07/08/2024 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 1 | Closed | REMOVE | 08/01/2024 | Disposable Income - Borrowers have $xxx in disposable income.; Verified ownership of subject property - Borrowers have lived in residence 19 years.; | REMOVE | REMOVE - REMOVE | Approved C |
| 900001086 | XXXX | 1076354 | 08/01/2024 | Property | Appraisal Discrepancy | APPR 0076 | 2 | Acknowledged | REMOVE |  | Disposable Income - Borrowers have $xxx in disposable income.; Verified ownership of subject property - Borrowers have lived in residence 19 years.; | 08/01/24 Email Recd from LR ok to accept.<br>7/23/2024 - "Looks like the Appraisal company is refusing to correct the Appraisal | Client: Investor Acknowledged Exception | Approved C B |
| 900001054 | XXXX | 1069614 | 07/08/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Missing required interior-inspection appraisal that complies with USPAP and FIRREA as required for HPML loans. Only an AVM and Property Condition Inspection Report provided in file. | 07/23/2024 | Verified housing payment history - Borrowers have mortgage history of 0x30x37 which exceeds the minimum required 0x30x24.; Disposable Income - Borrower has $xxx in residual income.; | 7/22/2024 - "We used 7, which is accurate based on the lock date of xx/xx. 6.570 was the APOR on the week of xx/xx. It looks like they may be using that because we did change the interest rate that week. We had discussed changing rate set date whenever we moved rates as an option years ago because it did help (compliance vendor) in a lot of scenarios, but ultimately decided not to because it was a grey area (and honestly messy). Even if the borrower opted to move to another rate 2 weeks later, they still used the rate/pricing from the original lock date and that seems to be the standard." \*\* Review used rate change date of xx/xx. Reran compliance using the initial lock date of xx/xx which cleared the HPML exception. APPR 0044 Exception Cleared; <br>7/16/2024 - The loan's (10.469%) APR equals or exceeds the Regulation Z Section 43 Higher-Priced Covered Transaction threshold of (10.07%), which is the comparable average prime offer rate of (6.57%) plus 3.5. The System used the following date to perform the APOR index lookup (xx/xx/xx). (12 CFR 1026.43(b)(4)). APPR 0044 Exception Remains; | 7/22/2024 - "We used 7, which is accurate based on the lock date of xx/xx. 6.570 was the APOR on the week of xx/xx. It looks like they may be using that because we did change the interest rate that week. We had discussed changing rate set date whenever we moved rates as an option years ago because it did help (compliance vendor) in a lot of scenarios, but ultimately decided not to because it was a grey area (and honestly messy). Even if the borrower opted to move to another rate 2 weeks later, they still used the rate/pricing from the original lock date and that seems to be the standard." \*\* Review used rate change date of xx/xx. Reran compliance using the initial lock date of xx/xx which cleared the HPML exception. APPR 0044 Exception Cleared; - 7/22/2024 - "We used 7, which is accurate based on the lock date of xx/xx. 6.570 was the APOR on the week of xx/xx. It looks like they may be using that because we did change the interest rate that week. We had discussed changing rate set date whenever we moved rates as an option years ago because it did help (compliance vendor) in a lot of scenarios, but ultimately decided not to because it was a grey area (and honestly messy). Even if the borrower opted to move to another rate 2 weeks later, they still used the rate/pricing from the original lock date and that seems to be the standard." \*\* Review used rate change date of xx/xx. Reran compliance using the initial lock date of xx/xx which cleared the HPML exception. APPR 0044 Exception Cleared; | Funded C A |
| 900001158 | XXXX | 1070141 | 07/10/2024 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing subject tax cert to validate property taxes of $XX used to qualify.<br>| 07/25/2024 | Verified credit history - 783 Credit score exceeds minimum 720 required per guidelines.; Verified housing payment history - Borrowers have mortgage history of 0x30x90 which exceeds the minimum 0x30x24 required by guidelines.; | 7/23/2024 - Exception is cleared with the attached property tax cert. CRED 0103 Exception Cleared; | 7/23/2024 - Exception is cleared with the attached property tax cert. CRED 0103 Exception Cleared; - 7/23/2024 - Exception is cleared with the attached property tax cert. CRED 0103 Exception Cleared; | Funded C A |
| 900001158 | XXXX | 1070212 | 07/11/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing required property condition inspection to confirm condition of subject property. | 08/14/2024 | Verified credit history - 783 Credit score exceeds minimum 720 required per guidelines.; Verified housing payment history - Borrowers have mortgage history of 0x30x90 which exceeds the minimum 0x30x24 required by guidelines.; | 8/14/2024 - Exception is cleared with the attached property condition inspection. PROP 0003 Exception Cleared;<br>07/31/24 - Recd from lender: Please see the question from the team, "Can you ask why they are asking for an exterior report?<br>\*\* Per guidelines PCI reflecting average condition or better is required with an VM. See Valuation requirements section. | 8/14/2024 - Exception is cleared with the attached property condition inspection. PROP 0003 Exception Cleared; - 8/14/2024 - Exception is cleared with the attached property condition inspection. PROP 0003 Exception Cleared; | Funded C A |
| 900001158 | XXXX | 1078208 | 08/14/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI 50.86% > 50% Max Allowed, Difference appears to be due to liabilities. Final 1003 liabilities do not appear to be final figures used in underwriting. |  | Verified credit history - 783 Credit score exceeds minimum 720 required per guidelines.; Verified housing payment history - Borrowers have mortgage history of 0x30x90 which exceeds the minimum 0x30x24 required by guidelines.; | 09/17/2024 - Recd liabilities from lender. Review is unable to reconcile difference > 3% between the lender DTI 49.76% and Review DTI 42.30%; It appears that lender may be using a greater (creditor) payment, XX income, and double counting other expenses of $XX. Review DTI decreased 42.30% (Max 50%) including XX income. Exception downgraded to EV2 - Review DTI < 50% Max.<br>9/6/2024 - Per Team "Please kick this on back it looks like LRP might have calculated the XX incorrectly on this. Please see breakdown below, this loan still meets LRP guidelines below 50% LTV. Subject PITI $XX, Other Debt $XX (this also includes XX fees for $XX), XX loss $XX, Total obligations $XX, and Income $XX for DTI 49.76%"-- Review is unable to reconcile lender's calculated Other Debt of $XX. Provide the list of liabilities included in lender's Other Debt of $XX so that the reviewer can reconcile.<br>8/22/2024 - Lender is requesting review calculation.<br>--<br>$XX Total Obligations / $XX Income = 50.86% DTI<br>| Client: 09/17/2024 - Recd liabilities from lender. Review is unable to reconcile difference > 3% between the lender DTI 49.76% and Review DTI 42.30%; It appears that lender may be using a greater (creditor) payment from XX, XX income, and double counting the other XX expense of $XX. Review DTI decreased 42.30% (Max 50%) including XX income. Exception downgraded to EV2 - Review DTI < 50% Max. | Funded C B |
| 900001075 | XXXX | 1069951 | 07/09/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for CD issued on xx/xx for increase in the credit report of $xxx and added discount points of $xxx. | 07/16/2024 | Low LTV/CLTV/HCLTV - 70.82% CLTV is less than maximum 80% allowed per guidelines.; Verified credit history - 777 Credit score exceeds minimum 720 required per guidelines.; | 7/15/2024 - Exception is cleared with the attached pricing change due to DTI > 45% caused by new liability identified on the undisclosed monitoring report. TRID 0195 Exception Cleared; | 7/15/2024 - Exception is cleared with the attached pricing change due to DTI > 45% caused by new liability identified on the undisclosed monitoring report. TRID 0195 Exception Cleared; - 7/15/2024 - Exception is cleared with the attached pricing change due to DTI > 45% caused by new liability identified on the undisclosed monitoring report. TRID 0195 Exception Cleared; | Funded C A |
| 900001075 | XXXX | 1069960 | 07/09/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing COC for removal of lender credit of $xxx on CD issued xx/xx. | 07/16/2024 | Low LTV/CLTV/HCLTV - 70.82% CLTV is less than maximum 80% allowed per guidelines.; Verified credit history - 777 Credit score exceeds minimum 720 required per guidelines.; | 7/15/2024 - Exception is cleared with the attached pricing change due to DTI > 45% caused by new liability identified on the undisclosed monitoring report (Refer TRID 0195). TRID 0121 Exception Cleared; | 7/15/2024 - Exception is cleared with the attached pricing change due to DTI > 45% caused by new liability identified on the undisclosed monitoring report (Refer TRID 0195). TRID 0121 Exception Cleared; - 7/15/2024 - Exception is cleared with the attached pricing change due to DTI > 45% caused by new liability identified on the undisclosed monitoring report (Refer TRID 0195). TRID 0121 Exception Cleared; | Funded C A |
| 900001075 | XXXX | 1070192 | 07/10/2024 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 1 | Closed | Provide documentation of the new account with (creditor) for the ski passes as disclosed on the 1003. There is no documentation in the file for the amount financed or payment. | 07/16/2024 | Low LTV/CLTV/HCLTV - 70.82% CLTV is less than maximum 80% allowed per guidelines.; Verified credit history - 777 Credit score exceeds minimum 720 required per guidelines.; | 7/15/2024 - Exception is cleared. Liability is documented via undisclosed debt monitoring on the fraud report. CRED 0086 Exception Cleared; | 7/15/2024 - Exception is cleared. Liability is documented via undisclosed debt monitoring on the fraud report. CRED 0086 Exception Cleared; - 7/15/2024 - Exception is cleared. Liability is documented via undisclosed debt monitoring on the fraud report. CRED 0086 Exception Cleared; | Funded C A |
| 900001117 | XXXX | 1070095 | 07/10/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing copy of the final CD and HUD to verify the actual closing /disbursement date. The most recent CD in the file is the one signed at closing which reflects a closing date of xx/xx/xx and disbursement date of xx/xx/xx. Closing actually occurred xx/xx/xx and rescission expiration xx/xx/xx (NORTC). | 07/16/2024 | Low LTV/CLTV/HCLTV - 53.01% CLTV is less than 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | 7/12/2024 - Exception is cleared with the attached copy of the final cd for dry funding state. ROR 0009 Exception Cleared; | 7/12/2024 - Exception is cleared with the attached copy of the final cd for dry funding state. ROR 0009 Exception Cleared; - 7/12/2024 - Exception is cleared with the attached copy of the final cd for dry funding state. ROR 0009 Exception Cleared; | Funded C A |
| 900001117 | XXXX | 1070108 | 07/10/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Page 4 of the final CD does not indicate why the borrower does not have an escrow account - neither declined nor not offered are checked. |  | Low LTV/CLTV/HCLTV - 53.01% CLTV is less than 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001117 | XXXX | 1070114 | 07/10/2024 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 1 | Closed | Missing evidence that both insurance policies are paid in full. No payment collected on the CD, the first mortgage is not escrowed, and the evidence of insurance in the file does not address the balance due. | 08/19/2024 | Low LTV/CLTV/HCLTV - 53.01% CLTV is less than 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; |  | 08/16/26 Paid HOI invoice received. - 08/16/26 Paid HOI invoice received. | Funded C A |
| 900001117 | XXXX | 1070368 | 07/11/2024 | Credit | Unacceptable transaction type | CRED 0044 | 2 | Acknowledged | Subject property was listed for sale xx/xx/xx and was withdrawn. Properties listed for sale within the last 3 months are ineligible. |  | Low LTV/CLTV/HCLTV - 53.01% CLTV is less than 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | EV2/B - Investor Acknowledged Exception | Client: EV2/B - Investor Acknowledged Exception | Funded C B |
| 900001117 | XXXX | 1070387 | 07/11/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. | 07/16/2024 | Low LTV/CLTV/HCLTV - 53.01% CLTV is less than 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | 7/12/2024 - Exception is cleared with the attached underwriting decision. APRV 0003 Exception Cleared; | 7/12/2024 - Exception is cleared with the attached underwriting decision. APRV 0003 Exception Cleared; - 7/12/2024 - Exception is cleared with the attached underwriting decision. APRV 0003 Exception Cleared; | Funded C A |
| 900001131 | XXXX | 1070121 | 07/10/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for increase to loan discount from $XX to $XX. --The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on XX/XX: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x39 which exceeds minimum 0x30x24 per guidelines.; Verified employment history - Borrower has been on current job 5 years.; | 8/20/2024 - Exception is downgraded to EV2/B with the attached: PCCD, Cover Letter, Refund Check $XX, and Courier Tracking Slip to evidence delivery to borrower completed within 60 days from consummation. | Client: 8/20/2024 - Exception is downgraded to EV2/B with the attached: PCCD, Cover Letter, Refund Check $XX, and Courier Tracking Slip to evidence delivery to borrower completed within 60 days from consummation. | Funded C B |
| 900001042 | XXXX | 1071091 | 07/15/2024 | Credit | Income Calculation Discrepancy | CRED 0084 | 1 | Closed | Bonus income on WVOE does not match income on W2s or pay stubs. | 07/18/2024 | Low LTV/CLTV/HCLTV - 46.54 CLTV is below 75% maximum per guidelines.; Disposable Income - Borrower has xxx in residual income.; | 7/17/2024 - "Unfortunately, income with the work number is not reporting correctly which is why alternative documentation (ytd and year end paystubs along with W2 forms) has been used to document and calculate borrowers actual income. The income calculation is accurate and supported by the (prior years) W2 transcripts obtained from (agency). (most recent year) transcripts were not available at the time." \*\* Agree, (prior year) W2 matches to the wage transcript; confirmed (prior year) (3rd party VOI) Regular income + Bonus from paystubs is supported by (prior year) W2 wages. Review used (prior two years) regular income from (3rd party VOI) and annual bonus from paystubs provided which is supported by W2s, thus no additional documentation is required. CRED 0084 Exception Cleared; | 7/17/2024 - "Unfortunately, income with the work number is not reporting correctly which is why alternative documentation (ytd and year end paystubs along with W2 forms) has been used to document and calculate borrowers actual income. The income calculation is accurate and supported by the (prior years) W2 transcripts obtained from (agency). (most recent year) transcripts were not available at the time." \*\* Agree, (prior year) W2 matches to the wage transcript; confirmed (prior year) (3rd party VOI) Regular income + Bonus from paystubs is supported by (prior year) W2 wages. Review used (prior two years) regular income from (3rd party VOI) and annual bonus from paystubs provided which is supported by W2s, thus no additional documentation is required. CRED 0084 Exception Cleared; - 7/17/2024 - "Unfortunately, income with the work number is not reporting correctly which is why alternative documentation (ytd and year end paystubs along with W2 forms) has been used to document and calculate borrowers actual income. The income calculation is accurate and supported by the (prior years) W2 transcripts obtained from (agency). (most recent year) transcripts were not available at the time." \*\* Agree, (prior year) W2 matches to the wage transcript; confirmed (prior year) (3rd party VOI) Regular income + Bonus from paystubs is supported by (prior year) W2 wages. Review used (prior two years) regular income from (3rd party VOI) and annual bonus from paystubs provided which is supported by W2s, thus no additional documentation is required. CRED 0084 Exception Cleared; | Funded C A |
| 900001042 | XXXX | 1071348 | 07/15/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | 2-4 Unit properties are ineligible per the (investor) guidelines. |  | Low LTV/CLTV/HCLTV - 46.54 CLTV is below 75% maximum per guidelines.; Disposable Income - Borrower has xxx in residual income.; | 7/17/2024 - EV2/B - Investor Acknowledged Exception | Client: EV2/B - Investor Acknowledged Exception | Funded C B |
| 900001070 | XXXX | 1071379 | 07/15/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 2 | Acknowledged | Missing verification of self-employment within 30 days of the Note date. The (tax preparer) letter is dated 45 days prior to the Note date and the borrower's (business) license does not reflect the date it was pulled. Insurance license does reflect it is active through (post-consummation). |  | Verified employment history - The borrower has been a (job title) for xxx years.; Established credit history - Open active credit dates back to xxx years with no reported lates; Verified reserves - No reserves required, borrower is receiving 38.76 months in PITIA reserves from cash out proceeds.; | 7/19/2024 - Exception is downgraded EV2 with the attached post-consummation dated SOS search that is in support of the pre-consummation dated (tax preparer) letter and copy of active business license in file. CRED 0006 Downgraded to EV2/B. | Client: 7/19/2024 - Exception is downgraded EV2 with the attached post-consummation dated SOS search that is in support of the pre-consummation dated CPA letter and copy of active business license in file. CRED 0006 Downgraded to EV2/B. | Funded C B |
| 900001057 | XXXX | 1071092 | 07/15/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing tax transcripts. Signed 4506C provided. | 07/25/2024 | Verified housing payment history - 343 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 50.27%, maximum of 75% allowed per guidelines. ; Net tangible benefit - Debt consolidation saving borrower $xxx per month. ; | 7/23/2024 - Exception is cleared with the attached two years wage transcripts; retirement income not reported. Most recent year reflects no record of return filed. CRED 0091 Exception Cleared; | 7/23/2024 - Exception is cleared with the attached two years wage transcripts; retirement income not reported. Most recent year reflects no record of return filed. CRED 0091 Exception Cleared; - 7/23/2024 - Exception is cleared with the attached two years wage transcripts; retirement income not reported. Most recent year reflects no record of return filed. CRED 0091 Exception Cleared; | Funded C A |
| 900001058 | XXXX | 1071089 | 07/15/2024 | Credit | Missing or Incomplete 4506-T/4506-C | CRED 0095 | 1 | Closed | Missing signed 4506-C for B2, only signed for B1 provided (pg 92). Copy of B2 transcript in file (pg 246). | 07/29/2024 | Low LTV/CLTV/HCLTV - CLTV of 49.35%, maximum of 75% allowed per guidelines. ; | 7/29/2024 - Exception is cleared with the attached B2 signed 4506C form. CRED 0095 Exception Cleared; | 7/29/2024 - Exception is cleared with the attached B2 signed 4506C form. CRED 0095 Exception Cleared; - 7/29/2024 - Exception is cleared with the attached B2 signed 4506C form. CRED 0095 Exception Cleared; | Funded C A |
| 900001064 | XXXX | 1071568 | 07/16/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing required tax transcripts for xxx and xxx for borrower as required by guidelines. | 07/19/2024 | Low DTI - 37.54% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower has been on current job xxx years.; |  | 07/18/24 xxx and xxxx 1040 transcripts received. - 07/18/24 xxx and xxxx 1040 transcripts received. | Funded C A |
| 900001092 | XXXX | 1071162 | 07/15/2024 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | Missing E-Sign Disclosure. No proof borrower(s) can receive documents via the electronic method as intended. Disclosures in the file are e-signed - i.e. intent to proceed, initial CD. | 07/25/2024 | Verified credit history - 765 Credit score exceeds minimum 700 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 7/23/2024 - Exception is cleared with the attached disclosure tracking; borrower consented xx/xx. TRID 0134 Exception Cleared; | 7/23/2024 - Exception is cleared with the attached disclosure tracking; borrower consented xx/xx. TRID 0134 Exception Cleared; - 7/23/2024 - Exception is cleared with the attached disclosure tracking; borrower consented xx/xx. TRID 0134 Exception Cleared; | Approved C |
| 900001092 | XXXX | 1071176 | 07/15/2024 | Compliance | Zero Tolerance Fee Violation | COMP 0027 | 2 | Acknowledged | Missing changed circumstance for the increase to the appraisal fee on the xx/xx Loan Estimate, from $xxx to $xxx. The COC form does not provide a COC to justify increased appraisal fee charged to the borrower. |  | Verified credit history - 765 Credit score exceeds minimum 700 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 7/31/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount of $xxx, and courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. COMP 0027 Exception Downgraded to EV2/B.<br>7/17/2024 - Recd COC and corresponding LE. Missing reason for the increase to the appraisal fee of $xxx (e.g. appraiser charged more due to location). COMP 0027 Exception Remains; | Client: 7/31/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount of $xxx, and courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. COMP 0027 Exception Downgraded to EV2/B. | Approved C B |
| 900001095 | XXXX | 1071569 | 07/16/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing Affiliated Business Disclosure. No Facts disclosure located in file to determine if lender has any affiliates. If lender has no affiliates an attestation from a compliance officer attesting to no affiliates is acceptable. | 08/01/2024 | Established credit history - Open, active credit dates back to xxxx with no reported lates.; Verified reserves - 2 months PITIA or $xxx reserves required, borrower is receiving 22.76 months or $xxx in cash out proceeds from the transaction.; |  | 07/31/24 Facts recd, lender has no affiliates. - 07/31/24 Facts recd, lender has no affiliates. | Approved C |
| 900001095 | XXXX | 1071662 | 07/16/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for increased Documentary Taxes. LEs disclosed a total of $xxx, Final CD dated xx/xx/xx Increase to GA Final State Loan fee $xxx page for a total of $xxx. (COC does not disclose why the fees changed) | 08/07/2024 | Established credit history - Open, active credit dates back to xxxx with no reported lates.; Verified reserves - 2 months PITIA or $xxx reserves required, borrower is receiving 22.76 months or $xxx in cash out proceeds from the transaction.; | 8/7/2024 - Agree with lender posted response. LE disclosed taxes and other government fees $xxx to CD $xxx, no fee increase. | 8/7/2024 - Agree with lender posted response. LE disclosed taxes and other government fees $xxx to CD $xxx, no fee increase. - 8/7/2024 - Agree with lender posted response. LE disclosed taxes and other government fees $xxx to CD $xxx, no fee increase. | Approved C |
| 900001095 | XXXX | 1071814 | 07/16/2024 | Property | Appraisal Value is not supported by comparables | APPR 0039 | 1 | Closed | The AVM in the file reflects an FSD score of 0.11, per the guideline the FSD score must be equal to or less than 0.10. No exception located in the file. | 07/26/2024 | Established credit history - Open, active credit dates back to xxxx with no reported lates.; Verified reserves - 2 months PITIA or $xxx reserves required, borrower is receiving 22.76 months or $xxx in cash out proceeds from the transaction.; | 7/25/2024 - "The AVM value should be used and not Rental Value which is less than .10." \*\* Agree, value FSD is 0.07. Rental value FSD is 0.11. APPR 0039 Exception Cleared; | 7/25/2024 - "The AVM value should be used and not Rental Value which is less than .10." \*\* Agree, value FSD is 0.07. Rental value FSD is 0.11. APPR 0039 Exception Cleared; - 7/25/2024 - "The AVM value should be used and not Rental Value which is less than .10." \*\* Agree, value FSD is 0.07. Rental value FSD is 0.11. APPR 0039 Exception Cleared; | Approved C |
| 900001077 | XXXX | 1071799 | 07/16/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Disposable Income - Borrowers have $xxx in verified disposable income.; Verified housing payment history - Borrowers have verified mortgage history of 0x30x43 which exceeds minimum required 0x30x24 per guidelines.; |  | Client: EV2 Non-Material | Funded C B |
| 900001255 | XXXX | 1071327 | 07/15/2024 | Compliance | ROR cannot expire in less than 3 business days from the execution or transaction date | ROR 0012 | 2 | Acknowledged | B2 executed loan at a latter date. ROR expiration date was not updated. |  | Low LTV/CLTV/HCLTV - 52.26% CLTV is below maximum 75% per guidelines.; Verified employment history - Borrower 1 has 7 plus years on current job.; | 11/11/2024 - Recd B2 executed ROR form providing new 3 days to rescind the transaction. Rescission period expired.<br>07/31/24 Recd from lender: Hello, Could you see the response from the team below and advise what we can do to get this cleared? Thank you! "It does appear that the wrong date was put on the RTC for the rescission date however we did fund after the correct rescission date was up."<br>\*\*In order to clear recession would have to be re-opened and the borrower's given 3 business days to rescind. | Client: 11/11/2024 - Recd B2 executed ROR form providing new 3 days to rescind the transaction. Rescission period expired. | Funded C B |
| 900001160 | XXXX | 1071481 | 07/16/2024 | Compliance | Missing TX Home Equity Affidavit and Agreement | TXEQ 0019 | 1 | Closed | State Required XX Agreement not in file. | 08/07/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x47 which exceeds minimum 0x30x24.; Verified ownership of subject property - Borrower has owned subject property for 7 years.; | 8/7/2024 - Recd State Required XX Agreement. | 8/7/2024 - Recd State Required XX Agreement. - 8/7/2024 - Recd State Required XX Agreement. | Funded C A |
| 900001160 | XXXX | 1071482 | 07/16/2024 | Compliance | Missing TX Home Equity Acknowledgment Regarding Voluntary Repayment of Existing Debt | TXEQ 0020 | 1 | Closed | State Required XX Disclosure is not in file. | 07/26/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x47 which exceeds minimum 0x30x24.; Verified ownership of subject property - Borrower has owned subject property for 7 years.; |  | 07/26/24 - TPR Error, executed State Required XX Disclosure located in file. - 07/26/24 - TPR Error, executed State Required XX Disclosure located in file. | Funded C A |
| 900001160 | XXXX | 1071483 | 07/16/2024 | Compliance | Missing Designation of Homestead | TXEQ 0021 | 1 | Closed | State Required XX Disclosure not in file. | 07/26/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x47 which exceeds minimum 0x30x24.; Verified ownership of subject property - Borrower has owned subject property for 7 years.; |  | 07/26/24 - TPR Error, executed State Required XX Disclosure located in file. - 07/26/24 - TPR Error, executed State Required XX Disclosure located in file. | Funded C A |
| 900001160 | XXXX | 1071485 | 07/16/2024 | Compliance | Texas 50(a)(6) Loan Fees Exceed the Permissible Fee Limitation. | TXEQ 0023 | 1 | Closed | Total fees of $XX calculated includes $XX in Discount Fee that may be excludable. | 09/13/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x47 which exceeds minimum 0x30x24.; Verified ownership of subject property - Borrower has owned subject property for 7 years.; | 09/13/24 - Total fees excluding bona fide discount $XX.<br>8/27/2024 - Received rate sheet. Lender's compliance testing excluded XX Fee $XX, XX Fee $XX, and XX Fee $XX.<br>XX Fee Limit $XX. Fees included in testing Total $XX.<br>8/7/2024 - Attached attorney letter is insufficient to satisfy the exception. Missing rate sheet to determine whether the discount points results in a bona fide reduction in the rate. | 09/10/24 - Bona fide discount of $XX verified. Total fees now w/in the permissible fee limit. - 09/10/24 - Bona fide discount of $XX verified. Total fees now w/in the permissible fee limit. | Funded C A |
| 900001160 | XXXX | 1072002 | 07/17/2024 | Credit | APN Number is not listed on Security Instrument | COLL 0001 | 1 | Closed | APN Number is not listed on Security Instrument | 08/30/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x47 which exceeds minimum 0x30x24.; Verified ownership of subject property - Borrower has owned subject property for 7 years.; | 08/20/24 - Copy of recorded DOT received. Verified legal on Exb A Matches thus missing APN is not a violation. | 08/20/24 - Copy of recorded DOT received. Verified legal on Exb A Matches thus missing APN is not a violation. - 08/20/24 - Copy of recorded DOT received. Verified legal on Exb A Matches thus missing APN is not a violation. | Funded C A |
| 900001160 | XXXX | 1072044 | 07/17/2024 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing required W2 transcripts for XX-XX. | 08/13/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x47 which exceeds minimum 0x30x24.; Verified ownership of subject property - Borrower has owned subject property for 7 years.; | 8/13/2024 - Recd XX wage transcript. Most recent year reflects no record of return filed. CRED 0087 Exception Cleared; | 8/13/2024 - Recd XX wage transcript. Most recent year reflects no record of return filed. CRED 0087 Exception Cleared; - 8/13/2024 - Recd XX wage transcript. Most recent year reflects no record of return filed. CRED 0087 Exception Cleared; | Funded C A |
| 900001160 | XXXX | 1072203 | 07/17/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 1 | Closed | Cash out transactions in this state are ineligible per the guidelines. | 07/26/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x47 which exceeds minimum 0x30x24.; Verified ownership of subject property - Borrower has owned subject property for 7 years.; |  | 07/24/24 - Updated guidelines allowing loan transaction type received. - 07/24/24 - Updated guidelines allowing loan transaction type received. | Funded C A |
| 900001160 | XXXX | 1074934 | 07/26/2024 | Compliance | Fair Market Value Disclosure not provided or executed by Title Holders or Lender | TXEQ 0011 | 1 | Closed | State Required XX Disclosure was not executed by the lender. | 08/21/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x47 which exceeds minimum 0x30x24.; Verified ownership of subject property - Borrower has owned subject property for 7 years.; |  | 08/20/24 - State Required XX Disclosure executed by the lender received. - 08/20/24 - State Required XX Disclosure executed by the lender received. | Funded C A |
| 900001192 | XXXX | 1071826 | 07/16/2024 | Compliance | ROR cannot expire in less than 3 business days from the execution or transaction date | ROR 0012 | 2 | Acknowledged | ROR in file disclosed transaction date of XX/XX/XX and expiration date of XX/XX/XX which is less than 3 business days of final consummation date XX/XX/XX. |  | Verified ownership of subject property - Borrower has owned subject property 10 years.; Disposable Income - Borrower has $XX is XX income.; | Email Recd from LRCP 09/23/24 -- We are ok to proceed with this one as-is. We are ok using the tracking delivery date via FedEx. The ROR expired before the borrower signed the document and the borrower has not communicated to lender that they would want to rescind the transaction. <br>09/16/24 - Recd from lender: Under Reg Z, 12 CFR 1026.23(a)(3)(i), the consumer has the right to rescind the transaction until midnight of the third business day following the last of:<br>1. Date of consummation, or<br>2. Delivery of the notice of right to cancel, or<br>3. Delivery of material disclosures (CD). In this case, we can prove that the disclosures were delivered on XX/XX/XX. The consumer was not<br>required to take any action unless she wished to rescind. The fact that she did acknowledge receipt of the disclosures at any time is not relevant to the establishment of the rescission period, in accordance<br>with the Reg Z rescission rules.<br>\*\* Finding remains, Issue is that the borrower signed and dated the ROR on XX/XX/XX thus the earliest expiration date would have been XX/XX/XX. Borrower receipt of fed-ex delivery does not acknowledge review of the documents. Unfortunately the date the borrower acknowledged the ROR has to be used. <br>09/10/24 - Duplicate copies of the Fed-Ex tracking to verify delivery of the ROR to the borrower on XX/XX/XX received.<br>\*\* Finding remains, Issue is that the borrower signed and dated the ROR on XX/XX/XX thus the earliest expiration date would have been XX/XX/XX. Borrower receipt of fed-ex does not acknowledge review of the documents. Unfortunately the date the borrower acknowledged the ROR has to be used. <br>9/5/2024 - Attached ROR was signed by the borrower XX/XX/XX, which is after the rescission expiration of XX/XX/XX. Borrower was not provided a full 3 business days to rescind the transaction.<br>8/13/2024 - Lender posted response is insufficient to satisfy the exception. Borrower was not provided a full 3 business days to rescind the transaction. Closing date XX/XX/XX with ROR expiration disclosed to borrower of XX/XX/XX. The cure is to reopen rescission. | Client: EV2 Post-Closing Corrective Action. | Sold C B |
| 900001192 | XXXX | 1071963 | 07/17/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for CD dated XX/XX/XX for increase to XX Fee and added XX fee of $XX. COC in file only addressed change in the closing agent. XX Fee increased from $XX on CD date XX/XX/XX to $XX on the XX/XX/XX CD. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on XX/XX/XX: XX, XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)) |  | Verified ownership of subject property - Borrower has owned subject property 10 years.; Disposable Income - Borrower has $XX is XX income.; | 8/13/2024 - Exception is cured with the attached PCCD, cover letter, copy of refund check $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. --- Refer to new exception TRID 0205 for credit insufficient to cure the addition of the $XX XX Fee. TRID 0195 Exception Downgraded to EV2/B. | Mitigated Risk: 8/13/2024 - Exception is cured with the attached PCCD, cover letter, copy of refund check $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. --- Refer to new exception TRID 0205 for credit insufficient to cure the addition of the $XX XX Fee. TRID 0195 Exception Downgraded to EV2/B. | Sold C B |
| 900001192 | XXXX | 1078128 | 08/14/2024 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | NEW 8/13/2024 - Recd PCCD with credit to cure $XX. Credit was insufficient to cover the 0% tolerance for the addition of the XX fee of $XX. The invoice was provided, however, it missing is the reason for the addition of the fee and why it was not previously disclosed to borrower as it is a requirement to obtain the loan. |  | Verified ownership of subject property - Borrower has owned subject property 10 years.; Disposable Income - Borrower has $XX is XX income.; | 9/5/2024 - Exception is downgraded to EV2/B with the attached copy of cover letter, PCCD, refund check $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. | Client: 9/5/2024 - Exception is downgraded to EV2/B with the attached copy of cover letter, PCCD, refund check $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. | Sold C B |
| 900001071 | XXXX | 1072556 | 07/18/2024 | Compliance | Flood Notice Was Not Provided to Applicant(s) | FLOOD 0001 | 1 | Closed | Missing evidence Notice of Special Flood Hazard disclosures was provided to borrower prior to closing. Only copy in file was executed at closing. | 07/29/2024 | Verified reserves - Borrower has xxx months verified reserves.; Disposable Income - Borrower has $xxx in verified disposable income.; | 7/24/2024 - Please downgrade based on the notice issue date and the Borrower provided the flood policy prior to closing. The policy was not a condition of the approval for prior to docs or funding.--Agree, flood notice signed at closing on 2nd lien. No assignee liability for delivery of flood notice on 2nd lien. FLOOD 0001 Exception Cleared;<br>7/23/2024 - Recd unexecuted copies of flood notice dated (#/##/####). Missing is evidence of delivery to borrower. FLOOD 0001 Exception Remains; | 7/24/2024 - Please downgrade based on the notice issue date and the Borrower provided the flood policy prior to closing. The policy was not a condition of the approval for prior to docs or funding.--Agree, flood notice signed at closing on 2nd lien. No assignee liability for delivery of flood notice on 2nd lien. FLOOD 0001 Exception Cleared; - 7/24/2024 - Please downgrade based on the notice issue date and the Borrower provided the flood policy prior to closing. The policy was not a condition of the approval for prior to docs or funding.--Agree, flood notice signed at closing on 2nd lien. No assignee liability for delivery of flood notice on 2nd lien. FLOOD 0001 Exception Cleared; | Funded B A |
| 900001078 | XXXX | 1072983 | 07/19/2024 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Missing copy of Note/Final CD from the purchase of (non-subject REO) to verify loan amount of $xxx and PITIA of $xxx. Property details disclosed on the final 1003 as pending purchase. | 07/25/2024 | Low DTI - 30.31% DTI is below 50% maximum per guidelines.; Verified credit history - 804 Credit score exceeds minimum 680 per guidelines.; | 7/23/2024 - Exception is cleared with the attached copy of the executed note and closing disclosure. CRED 0096 Exception Cleared; | 7/23/2024 - Exception is cleared with the attached copy of the executed note and closing disclosure. CRED 0096 Exception Cleared; - 7/23/2024 - Exception is cleared with the attached copy of the executed note and closing disclosure. CRED 0096 Exception Cleared; | Funded C A |
| 900001065 | XXXX | 1072348 | 07/18/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Lender approval not in file. Used 1008 for ratios. | 07/25/2024 | Low DTI - 38.52% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; | 7/23/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | 7/23/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; - 7/23/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | Funded D A |
| 900001069 | XXXX | 1072912 | 07/19/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender's approval, only the 1008 is in the file. | 07/25/2024 | Verified credit history - Credit history dates back xxx years with no reported lates.; Low LTV/CLTV/HCLTV - CLTV is 17.03%; | 7/23/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | 7/23/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; - 7/23/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | Funded D A |
| 900001069 | XXXX | 1072922 | 07/19/2024 | Credit | Missing Required Property Title Search | TITL 0009 | 1 | Closed | Title document in the file appears to be a loan policy for the first mortgage. Per guidelines title must be within 60 days of the Note date. Missing commitment/prelim for the subject loan or final policy for the second lien. Policy also includes a survey exception, no survey in the file. | 07/26/2024 | Verified credit history - Credit history dates back xxx years with no reported lates.; Low LTV/CLTV/HCLTV - CLTV is 17.03%; | 7/25/2024 - Recd Endorsement continuation report with title exam disclosing 2nd lien. TITL 0009 Exception Cleared;<br>7/24/2024 - Recd loan policy for first lien dated > 60 days prior to closing. \*\* No exception cleared. Missing prelim title and / or final loan policy for 2nd lien $xxx. TITL 0009 Exception Remains; | 7/25/2024 - Recd Endorsement continuation report with title exam disclosing 2nd lien. TITL 0009 Exception Cleared;<br>- 7/25/2024 - Recd Endorsement continuation report with title exam disclosing 2nd lien. TITL 0009 Exception Cleared; | Funded C A |
| 900001069 | XXXX | 1072945 | 07/19/2024 | Compliance | ALTA Stmt and Closing Disclosure conflict | COMP 0045 | 1 | Closed | Missing final CD, subject is in a dry funding state and the final CD in the file is the one signed at closing. | 07/25/2024 | Verified credit history - Credit history dates back xxx years with no reported lates.; Low LTV/CLTV/HCLTV - CLTV is 17.03%; | 7/23/2024 - Exception is cleared with the attached copy of the dry funding CD. COMP 0045 Exception Cleared; | 7/23/2024 - Exception is cleared with the attached copy of the dry funding CD. COMP 0045 Exception Cleared; - 7/23/2024 - Exception is cleared with the attached copy of the dry funding CD. COMP 0045 Exception Cleared; | Funded C A |
| 900001069 | XXXX | 1072951 | 07/19/2024 | Credit | Missing Required Fraud Tool | CRED 0089 | 1 | Closed | Missing complete fraud report with all items addressed, only the Loan Participant Analysis/OFAC search from a DRIVE report is in the file. | 07/25/2024 | Verified credit history - Credit history dates back xxx years with no reported lates.; Low LTV/CLTV/HCLTV - CLTV is 17.03%; | 7/23/2024 - Exception is cleared with the attached fraud report; Fraud score 1000 / pass. CRED 0089 Exception Cleared; | 7/23/2024 - Exception is cleared with the attached fraud report; Fraud score 1000 / pass. CRED 0089 Exception Cleared; - 7/23/2024 - Exception is cleared with the attached fraud report; Fraud score 1000 / pass. CRED 0089 Exception Cleared; | Funded C A |
| 900001069 | XXXX | 1074660 | 07/25/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | CD escrow account section does not reflect if borrower declined an escrow account or if the lender didn't offer one. |  | Verified credit history - Credit history dates back xxx years with no reported lates.; Low LTV/CLTV/HCLTV - CLTV is 17.03%; |  | Client: EV2/B Non-Material | Funded C B |
| 900001109 | XXXX | 1072746 | 07/19/2024 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Missing executed ROR for B2. | 08/16/2024 | Verified housing payment history - Borrowers have verified mortgage history of 0x30x53 which exceeds minimum required 0x30x24. ; Low LTV/CLTV/HCLTV - 57.14% CLTV is below 85% maximum per guidelines.; |  | 08/14/24 Executed ROR for B2 received. - 08/14/24 Executed ROR for B2 received. | Funded C A |
| 900001109 | XXXX | 1073699 | 07/23/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing final lender approval, used 1008 for ratios. | 08/07/2024 | Verified housing payment history - Borrowers have verified mortgage history of 0x30x53 which exceeds minimum required 0x30x24. ; Low LTV/CLTV/HCLTV - 57.14% CLTV is below 85% maximum per guidelines.; | 8/7/2024 - Exception is cleared with the attached loan approval. | 8/7/2024 - Exception is cleared with the attached loan approval. - 8/7/2024 - Exception is cleared with the attached loan approval. | Funded C A |
| 900001110 | XXXX | 1073745 | 07/23/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing wage earner tax transcripts for most recent two years. | 08/21/2024 | Verified employment history - Borrower 2 has been on current job xxx years.; Disposable Income - Borrowers have $xxx in residual income.; |  | 08/20/24 Joint 1040 transcripts for for most recent two years received. Also received was most recent two years Wage & Income transcripts for B1. - 08/20/24 Joint 1040 transcripts for for most recent two years received. Also received was most recent two years Wage & Income transcripts for B1. | Funded C A |
| 900001074 | XXXX | 1074140 | 07/24/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI of 47.78% exceeds the max allowed of 45%. Borrower does not meet the $xxx minimum residual income threshold to go to 50% DTI. Lender approved DTI 47.70&. |  | Low LTV/CLTV/HCLTV - 69.59% CLTV is below 85% maximum per guidelines.; Verified credit history - 744 Credit score exceeds minimum 680 required per guidelines.; | 7/25/2024 - Investor Acknowledged Exception. | Client: 7/25/2024 - Investor Acknowledged Exception. | Funded C B |
| 900001074 | XXXX | 1074161 | 07/24/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Final CD - Loan Disclosures / Escrow Account did not disclose if an escrow account was declined by the borrower or if the lender did not offer one. |  | Low LTV/CLTV/HCLTV - 69.59% CLTV is below 85% maximum per guidelines.; Verified credit history - 744 Credit score exceeds minimum 680 required per guidelines.; |  | Client: EV2 Non-Material. | Funded C B |
| 900001159 | XXXX | 1074467 | 07/25/2024 | Credit | Insufficient verified reserves | CRED 0100 | 2 | Acknowledged | Borrower is short reserves required by $XX. Loans exceeding 75% CLTV require 2 months reserves. Actual reserves verified are 0.81. |  | Verified housing payment history - Borrower has verified mortgage payment history of 0x30x33 which exceeds minimum 0x30x24 per guidelines.; Disposable Income - Borrower has verified monthly XX income of $XX.; | 9/10/2024 - Exception is downgraded to EV2/B with the attached pre and post consummation dated account statements documenting assets in excess of 2 months PITI. <br>8/13/2024 - "Could you confirm if we get the XX statements to show this would it clear or would you require something else". --- Funds from XX accounts and XX accounts are acceptable sources of funds for reserves. The lender must verify the ownership of the account and confirm that the account is vested and allows withdrawals regardless of current employment status. | Mitigated Risk: 9/10/2024 - Exception is downgraded to EV2/B with the attached pre and post consummation dated account statements documenting assets in excess of 2 months PITI. | Funded C B |
| 900001072 | XXXX | 1073824 | 07/23/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Closing Disclosure estimated taxes and insurance of $xxx with property costs over year 1 of $xxx is inaccurate. Actual taxes and insurance $xxx with property costs over year 1 is $xxx. | 07/30/2024 | Low DTI - 37.32% DTI is below 50% maximum per guidelines.; Low LTV/CLTV/HCLTV - 55.86% CLTV is below 85% maximum per guidelines.; | 7/29/20247 - Exception is cleared with the attached documented tax and insurance; annual tax and insurance premium is the same. Disclosed payment and property costs over year 1 is accurate. TRID 0204 Exception Cleared; | 7/29/20247 - Exception is cleared with the attached documented tax and insurance; annual tax and insurance premium is the same. Disclosed payment and property costs over year 1 is accurate. TRID 0204 Exception Cleared; - 7/29/20247 - Exception is cleared with the attached documented tax and insurance; annual tax and insurance premium is the same. Disclosed payment and property costs over year 1 is accurate. TRID 0204 Exception Cleared; | Funded C A |
| 900001191 | XXXX | 1074046 | 07/23/2024 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | Missing COC for XX Fee of $XX disclosed on XX/XX/XX. -- A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($2.50) were applied to the total fee variance of ($65.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. |  | Low LTV/CLTV/HCLTV - 39.01% CLTV is below 85% maximum per guidelines.; Low DTI - 25.35% DTI is below 50% maximum per guidelines.; | 09/23/24 - LOE and PC CD received.<br>09/16/2024 - Recd evidence of principal reduction. Missing is corrected PCCD with cover letter or detailed LOE addressing $XX principal curtailment.<br>08/24/2024 - Attached copy of the CD is insufficient to satisfy the exception. Missing COC for the addition of XX Fee of $XX on XX/XX/XX. | Client: 09/23/2024 EV2 Post-Closing Corrective Action - LOE and PC CD received. <br>09/16/2024 - Recd evidence of principal reduction. | Sold C B |
| 900001091 | XXXX | 1074149 | 07/24/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Lender approval is missing from loan file. 1008 does not have an approval date. | 08/01/2024 | Low DTI - 32.49% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; |  | 07/31/24 Lender Loan approval received. - 07/31/24 Lender Loan approval received. | Approved D |
| 900001138 | XXXX | 1074315 | 07/24/2024 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing borrower signed final CD. | 08/27/2024 | Verified credit history - 789 Credit score exceeds minimum 680 score per guidelines.; Verified ownership of subject property - Borrower has owned subject property 9 years.; | 8/22/2024 - Recd email correspondence from correspondent post closing manager confirming that the unexecuted CD in file dated XX/XX with cash to borrower of $XX was not provided to borrower. Final CD XX/XX wet-signed by the the borrower with cash to borrower of $XX provided XX/XX. HUD 0001 Exception Cleared;<br>07/30/24 CD dated and executed XX/XX/XX received. <br>\*\*Finding remains, CD provided does not match the unexecuted CD dated XX/XX in the loan file. Lender to confirm if the XX/XX CD provided in loan file was disclosed to the borrower and if so was it pre or Post-Closing (which version was provided and and what order). | 8/22/2024 - Recd email correspondence from correspondent post closing manager confirming that the unexecuted CD in file dated XX/XX with cash to borrower of $XX was not provided to borrower. Final CD XX/XX wet-signed by the the borrower with cash to borrower of $XX provided XX/XX. HUD 0001 Exception Cleared; - 8/22/2024 - Recd email correspondence from correspondent post closing manager confirming that the unexecuted CD in file dated XX/XX with cash to borrower of $XX was not provided to borrower. Final CD XX/XX wet-signed by the the borrower with cash to borrower of $XX provided XX/XX. HUD 0001 Exception Cleared; | Funded D A |
| 900001138 | XXXX | 1075275 | 07/29/2024 | Credit | Missing Required Fraud Tool | CRED 0089 | 1 | Closed | Missing comprehensive fraud report with all fraud findings satisfactorily addressed. No fraud report provided in file. | 08/01/2024 | Verified credit history - 789 Credit score exceeds minimum 680 score per guidelines.; Verified ownership of subject property - Borrower has owned subject property 9 years.; |  | 07/30/24 - Drive report received. - 07/30/24 - Drive report received. | Funded C A |
| 900001097 | XXXX | 1074242 | 07/24/2024 | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 1 | Closed | Missing dry funding CD. Final CD and HUD reflect a disbursement date of xx/xx/xx. The HUD has the prepaid interest calculated from xx/xx/xx, the final CD has the prepaid interest calculated from xx/xx/xx. | 08/01/2024 | Verified employment history - Borrower has been in business for xxx years.; Low LTV/CLTV/HCLTV - 46.67% CLTV is below 80% maximum per guidelines.; |  | 07/31/24 Final settlement statement confirming disbursement date of xx/xx/xx received. - 07/31/24 Final settlement statement confirming disbursement date of xx/xx/xx received. | Approved C |
| 900001100 | XXXX | 1074705 | 07/25/2024 | Compliance | Missing Intent to Proceed | TRID 0130 | 1 | Closed | Missing intent to proceed. ITP forms in file are not executed by the borrower. | 08/01/2024 | Low LTV/CLTV/HCLTV - CLTV of 40.36%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 189 months of mortgage history paid 0x30, verified per credit report. ; |  | 7/30/24 ITP executed by B1 received. - 7/30/24 ITP executed by B1 received. | Approved C |
| 900001113 | XXXX | 1074544 | 07/25/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Final CD dated xx/xx/xx and PCCD dated xx/xx/xx - Loan Disclosures / Partial Payments did not disclose if the lender may accept, may hold, or does not accept partial payments. |  | Verified ownership of subject property - Borrowers have lived in subject property xxx years.; Disposable Income - Borrowers have $xxx in verified disposable income.; | 08/15/24 LOE received.<br>8/8/2024 - Exception is partially cured with the attached PCCD. Missing is the cover letter addressing the reason for re-disclosure. US Mailbox Rule to be applied. | Client: EV2 Post Closing Corrective Action --Corrective PC CD and LOE to borrower received. | Funded C B |
| 900001101 | XXXX | 1075238 | 07/29/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing required signed written business narrative including description of business operation, primary product or services, customer base, number of employees and any additional information helpful in determining eligible deposits. |  | Verified credit history - 785 Credit score exceeds minimum 680 required per guidelines.; Low DTI - 10.96% DTI is below maximum 50% per guidelines.; | 08/02/24 Email recd from LRCP exception granted for missing business narrative.<br>07/31/24 Recd from lender: Plaza respectfully disagrees with this finding. There isn't a Narrative letter. The 72% Expense factor per the CPA letter was used.<br>\*\* Finding remains, Missing a signed written business narrative that includes the following as required per the guideline: Description of business operation, Primary products and or services, Who is the customer base, Number of full-time employees, Any other information that would help determine eligible deposits. CPA letter verifies borrower ownership and expense factor only. | Client: EV2 Investor Acknowledged Exception | Approved C B |
| 900001123 | XXXX | 1074600 | 07/25/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan disclosures on final CD is incomplete. Reason loan is not escrowed is not checked. |  | Disposable Income - Borrower has $xxx in verified disposable income.; Low DTI - Borrower DTI of 36.87% is below 50% maximum per guidelines.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001123 | XXXX | 1075361 | 07/29/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing required property condition inspection as required by guidelines. | 08/07/2024 | Disposable Income - Borrower has $xxx in verified disposable income.; Low DTI - Borrower DTI of 36.87% is below 50% maximum per guidelines.; | 8/7/2024 - Exception is cleared with the attached property condition report. Potential risk noted due to no comps being included in the report. AVM report in file provided comps. PROP 0003 Exception Cleared; | 8/7/2024 - Exception is cleared with the attached property condition report. Potential risk noted due to no comps being included in the report. AVM report in file provided comps. PROP 0003 Exception Cleared; - 8/7/2024 - Exception is cleared with the attached property condition report. Potential risk noted due to no comps being included in the report. AVM report in file provided comps. PROP 0003 Exception Cleared; | Funded C A |
| 900001123 | XXXX | 1075452 | 07/29/2024 | Credit | Missing Title Holder Name from Title Evidence | TITL 0011 | 1 | Closed | Deed of Trust reflects vesting.<br>| 08/14/2024 | Disposable Income - Borrower has $xxx in verified disposable income.; Low DTI - Borrower DTI of 36.87% is below 50% maximum per guidelines.; | 8/13/2024 - Recd response from title, The Limited Coverage Policy is not a post closing product. It is an actual final policy that is issued upfront when the order is requested. Any new vesting deed or mortgage information is added via the JR1 endorsement. Correct Vesting shows on Bullet #3. --- Included is a copy of the endorsement with the correct vesting. TITL 0011 Exception Cleared; | 8/13/2024 - Recd response from title, The Limited Coverage Policy is not a post closing product. It is an actual final policy that is issued upfront when the order is requested. Any new vesting deed or mortgage information is added via the JR1 endorsement. Correct Vesting shows on Bullet #3. --- Included is a copy of the endorsement with the correct vesting. TITL 0011 Exception Cleared; - 8/13/2024 - Recd response from title, The Limited Coverage Policy is not a post closing product. It is an actual final policy that is issued upfront when the order is requested. Any new vesting deed or mortgage information is added via the JR1 endorsement. Correct Vesting shows on Bullet #3. --- Included is a copy of the endorsement with the correct vesting. TITL 0011 Exception Cleared; | Funded C A |
| 900001111 | XXXX | 1074998 | 07/26/2024 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing Mortgage Exhibit A Legal Description. | 08/21/2024 | Low LTV/CLTV/HCLTV - 65.30% CLTV is below 85% maximum per guidelines.; Verified ownership of subject property - Borrower has owned subject property for xxx years.; |  | 08/19/24 Copy of recorded mortgage w/Exhibit A received. - 08/19/24 Copy of recorded mortgage w/Exhibit A received. | Funded C A |
| 900001087 | XXXX | 1075024 | 07/26/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing loan approval. Only 1008 provided in file. | 08/07/2024 | Low LTV/CLTV/HCLTV - 46.493% CLTV is below 75% maximum per guidelines.; Low DTI - 36.17% DTI is below 45% maximum per guidelines.; | 8/7/2024 - Exception is cleared with the attached copy of the underwriting conditional approval. APPRV 0001 Exception Cleared; | 8/7/2024 - Exception is cleared with the attached copy of the underwriting conditional approval. APPRV 0001 Exception Cleared; - 8/7/2024 - Exception is cleared with the attached copy of the underwriting conditional approval. APPRV 0001 Exception Cleared; | Approved D |
| 900001132 | XXXX | 1075313 | 07/29/2024 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | Missing COC to address increased title fees on the final CD.<br>Total Variance $XXX. -- A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($134.47) were applied to the total fee variance of ($299.47) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. |  | Low LTV/CLTV/HCLTV - CLTV of 61.55%, maximum of 85% allowed per guidelines. ; | 8/13/2024 - Please revisit the rejection comments. The comments reflect "charges that increase 10% on LE $XX"; however, the $XX is from Section B of the LE for Services You Cannot Shop For. Shouldn't the amount of $XX be used from section C of the LE for Services You Can Shop For? Plus section E for recording fee. Please clarify and re-calculate the 10% tolerance fees and resulting tolerance cure. Thank you. --- Borrower selected provider from the service provider list. Title Fees disclosed in Section B are subject to 10% tolerance.<br>8/7/2024 - Lender posted response is insufficient to satisfy the exception. Lender re-baselined using re-disclosed LE XX/XX, however, COC for re-disclosed LE XX/XX was for rate lock, increase to settlement fees not addressed. <br>Borrower chose service provider from the service provider list. Charges That increase 10% disclosed on LE $XX/ Allowable charges of $XX/ Actual charges $XX, difference between actual and allowable charges is $XX. Credit to Cure $XX< Variance $XX.<br>TRID 0205 Exception Remains;<br>| Client: 08/15/2024 - EV2 Post Closing Corrective Action. PC CC, LOE to borrower, Copy of refund check in the amount of $XX, and fed-ex tracking received. | Funded C B |
| 900001132 | XXXX | 1075698 | 07/30/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing most recent two years wage transcripts. Signed 4506C provided. | 08/28/2024 | Low LTV/CLTV/HCLTV - CLTV of 61.55%, maximum of 85% allowed per guidelines. ; | 8/28/2024 - Exception re-reviewed and cleared. 1099's reflect no taxes being withheld. Income XX is not taxable. Since borrowers income is non-taxable transcripts would not be applicable due to borrower age not requiring filing returns on unearned non-taxable income sources. <br>8/21/2024 - Lender is requesting an exception to guideline requirements. Borrower does not file tax returns. Tax transcripts could not be ordered to an issue with the address associated with the borrower. The borrower has an in person appointment with the IRS XX/XX. Exception escalated to investor for review. <br>8/13/2024 - Lender posted response is insufficient to satisfy the exception. Transcripts are a guideline requirement. Missing most recent two years transcripts reflecting no record of return filed or investor acknowledged exception. | 8/28/2024 - Exception re-reviewed and cleared. 1099's reflect no taxes being withheld. Income XX is not taxable. Since borrowers income is non-taxable transcripts would not be applicable due to borrower age not requiring filing returns on unearned non-taxable income sources. <br>- 8/28/2024 - Exception re-reviewed and cleared. 1099's reflect no taxes being withheld. Income XX is not taxable. Since borrowers income is non-taxable transcripts would not be applicable due to borrower age not requiring filing returns on unearned non-taxable income sources. | Funded C A |
| 900001133 | XXXX | 1075112 | 07/27/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing loan approval. Only 1008 provided in file. | 08/07/2024 | Verified housing payment history - Borrower has verified housing payment history of 0x30x45 which exceeds 0x30x24 minimum required.; Verified credit history - 739 Credit score exceeds minimum 700 required by guidelines.; | 8/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | 8/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; - 8/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared; | Funded D A |
| 900001133 | XXXX | 1075608 | 07/30/2024 | Property | Appraisal Discrepancy | APPR 0076 | 2 | Acknowledged | 1. Appraisal neighborhood is listed as XX, but comment states that subject is located in a XX area which would require lender approval.<br>2. Appraiser does not address damage to basement walls from pets. |  | Verified housing payment history - Borrower has verified housing payment history of 0x30x45 which exceeds 0x30x24 minimum required.; Verified credit history - 739 Credit score exceeds minimum 700 required by guidelines.; | 8/23/2024 - Investor acknowledged the property without 10% LTV reduction. <br>8/20/2024 - "(Investor) is okay with this one and not calling it a "XX property". No exception for XX prop needed - thanks!". Missing copy of(investor) email correspondence accepting the property located without 10% LTV reduction.<br>8/7/2024 - Recd updated appraisal, XX commentary has been removed with added commentary addressing the condition of the basement walls. Provide investor approval to accept property without 10% LTV reduction. | Client: 8/23/2024 - Investor acknowledged the property without 10% LTV reduction. | Funded C B |
| 900001125 | XXXX | 1074966 | 07/26/2024 | Compliance | Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) | TRID 0166 | 1 | Closed | Missing dry funding CD. | 08/08/2024 | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Low DTI - 33.46% DTI is below 50% maximum per guidelines.; | 8/8/2024 - Exception appears to have been reported in error. CD dated xx/xx, Note Date xx/xx, Received at Closing xx/xx. TRID 0166 Exception Cleared;<br>8/7/2024 - Agree with posted response. --- Missing copy of the post-close dry funding CD.<br>TRID 0166 Exception Remains; | 8/8/2024 - Exception appears to have been reported in error. CD dated xx/xx, Note Date xx/xx, Received at Closing xx/xx. TRID 0166 Exception Cleared;<br>- 8/8/2024 - Exception appears to have been reported in error. CD dated xx/xx, Note Date xx/xx, Received at Closing xx/xx. TRID 0166 Exception Cleared; | Funded C A |
| 900001125 | XXXX | 1074980 | 07/26/2024 | Compliance | Document Intent to Proceed with the Transaction | TRID 0045 | 1 | Closed | Missing intent to proceed date. Intent to proceed forms in file are not signed. | 08/01/2024 | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Low DTI - 33.46% DTI is below 50% maximum per guidelines.; |  | 07/31/24 - ITP received. - 07/31/24 - ITP received. | Funded C A |
| 900001125 | XXXX | 1075665 | 07/30/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing required property inspection report. | 08/01/2024 | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Low DTI - 33.46% DTI is below 50% maximum per guidelines.; |  | 07/31/24 - PCI dated (##/##/##) received. Subject is noted as being in average condition with no negative or adverse property features noted. - 07/31/24 - PCI dated (##/##/##) received. Subject is noted as being in average condition with no negative or adverse property features noted. | Funded C A |
| 900001125 | XXXX | 1075701 | 07/30/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | 1. Borrower 1 is currently on workers compensation per pay stubs but file has no documentation of the claim dates, return to work information or expected pay.<br>2. Borrower 2 is paid hourly with variable hours. Need a WVOE with income breakdown to calculate income. | 08/19/2024 | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Low DTI - 33.46% DTI is below 50% maximum per guidelines.; | 8/19/2024 - Per employer (Stip 8/13), "This email is to confirm that (borrower) is receiving Light Duty Workers Comp, (borrower) has not missed work and this is not a temp leave situation." -- Employer confirms borrower is not on any leave of absence and paystubs confirms full compensation. Part 1 of the exception is cleared. Part 2 of the exception was cleared with B2 WVOE presented (Stip 8/15). CRED 0082 Exception Cleared;<br>08/15/24 WVOE for B2 received which supports income used to qualify. Item #2 is cleared.<br>\*\* Finding 1 remains pending receipt documentation to address Part 1 of the exception.<br>8/13/2024 - Recd UW Analysis for B2. --- Missing B2 (3rd party) VOE that reflects hours scheduled, as per the attached. Also missing documentation to address Part 1 of the exception.<br>8/7/2024 - Attached posted response is insufficient to satisfy the Part 1 of the exception. --- Refer to (agency) B3.3.1-09.<br>Attached posted response is insufficient to satisfy the Part 2 of the exception. --- B2 VOE confirms part-time employment and paystubs reflect 34.81 and 35.15 total hours worked. Average hours worked must be confirmed by the employer. Average of 35 hours is not supported by YTD wages. <br>CRED 0082 Exception Remains;<br>| 8/19/2024 - Per employer (Stip 8/13), "This email is to confirm that (borrower) is receiving Light Duty Workers Comp, (borrower) has not missed work and this is not a temp leave situation." -- Employer confirms borrower is not on any leave of absence and paystubs confirms full compensation. Part 1 of the exception is cleared. Part 2 of the exception was cleared with B2 WVOE presented (Stip 8/15). CRED 0082 Exception Cleared; - 8/19/2024 - Per employer (Stip 8/13), "This email is to confirm that (borrower) is receiving Light Duty Workers Comp, (borrower) has not missed work and this is not a temp leave situation." -- Employer confirms borrower is not on any leave of absence and paystubs confirms full compensation. Part 1 of the exception is cleared. Part 2 of the exception was cleared with B2 WVOE presented (Stip 8/15). CRED 0082 Exception Cleared; | Funded C A |
| 900001081 | XXXX | 1075243 | 07/29/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated xx/xx/xx does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified credit history - 767 Credit score exceeds minimum 680 required by guidelines.; Disposable Income - Borrower has $xxx in verified residual income.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001081 | XXXX | 1075911 | 07/31/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Review DTI 44.27% / Qualifying DTI 49.76%, variance > 3%. Qualifying DTI double counted taxes and issuance already being escrowed with first lien. |  | Verified credit history - 767 Credit score exceeds minimum 680 required by guidelines.; Disposable Income - Borrower has $xxx in verified residual income.; |  | Mitigated Risk: DTI Variance > 3% is non-material (Max Allowed 50%). | Funded C B |
| 900001256 | XXXX | 1075440 | 07/29/2024 | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 1 | Closed | Missing documented eConsent (date), which is the date the loan estimate was eSigned. Disclosure tracking in file eConsent date is blank. | 08/30/2024 | Verified credit history - 768 qualifying credit scores, minimum required of 680. No derogatory credit. Credit file dates back XX years. 180 plus months of mortgage history reporting with no late payments.; Verified employment history - 21 plus years of verified employment with current employer per VOE. ; | 8/28/2024 Exception is cleared with the attached eConsent. | 8/28/2024 Exception is cleared with the attached eConsent. - 8/28/2024 Exception is cleared with the attached eConsent. | Funded C A |
| 900001256 | XXXX | 1076044 | 07/31/2024 | Compliance | Fair Market Value Disclosure not provided or executed by Title Holders or Lender | TXEQ 0011 | 1 | Closed | State required XX Disclosure is not signed by the lender. | 09/16/2024 | Verified credit history - 768 qualifying credit scores, minimum required of 680. No derogatory credit. Credit file dates back XX years. 180 plus months of mortgage history reporting with no late payments.; Verified employment history - 21 plus years of verified employment with current employer per VOE. ; |  | 09/16/24 - State required XX Disclosure executed by lender and borrower received. - 09/16/24 - State required XX Disclosure executed by lender and borrower received. | Funded C A |
| 900001256 | XXXX | 1076055 | 07/31/2024 | Compliance | Note is Incomplete | NOTE 0050 | 1 | Closed | Subordinate Lien Clause was not completed. | 11/07/2024 | Verified credit history - 768 qualifying credit scores, minimum required of 680. No derogatory credit. Credit file dates back XX years. 180 plus months of mortgage history reporting with no late payments.; Verified employment history - 21 plus years of verified employment with current employer per VOE. ; | 11/05/2024 - Recd copy of the borrower executed newly drafted note with subordinate lien clause section completed.<br>09/30/2024 - "Hello, For this condition do you just need the corrected page with the info filled out? Or do you need us to get a new note signed with the borrower?" \*\* Refer to the closing attorney. | 11/05/2024 - Recd copy of the borrower executed newly drafted note with subordinate lien clause section completed. - 11/05/2024 - Recd copy of the borrower executed newly drafted note with subordinate lien clause section completed. | Funded C A |
| 900001162 | XXXX | 1075574 | 07/30/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Disclosed estimated costs of $XX with property costs over year 1 of $XX is inaccurate. Lender is not required to disclose costs escrowed with first lien. If the costs are disclosed they must be accurate. Actual costs are $XX with property costs over year 1 of $XX. |  | Verified housing payment history - Borrowers have verified mortgage history of 0x30x50, which exceeds minimum 0x30x24.; Low DTI - 39.17% DTI is below 45% maximum per guidelines.; | 09/17/2024 - Exception is downgraded to EV2/B with the attached PCCD and cover letter. US Mailbox Rule to be applied to evidence delivery to borrower completed within 60 days of discovery.<br>8/24/2024 - Exception is partially cured with the attached copy of the PCCD. Missing is the cover letter addressed to borrower addressing the reason for the re-disclosure. US Mailbox Rule to be applied. | Client: 09/17/2024 - Exception is downgraded to EV2/B with the attached PCCD and cover letter. US Mailbox Rule to be applied to evidence delivery to borrower completed within 60 days of discovery. | Funded C B |
| 900001162 | XXXX | 1075891 | 07/31/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing tax transcripts for most recent two years for Borrower 2. | 09/04/2024 | Verified housing payment history - Borrowers have verified mortgage history of 0x30x50, which exceeds minimum 0x30x24.; Low DTI - 39.17% DTI is below 45% maximum per guidelines.; |  | 09/03/24 - Wage transcripts for B2 for most recent three years received. - 09/03/24 - Wage transcripts for B2 for most recent three years received. | Funded C A |
| 900001093 | XXXX | 1075315 | 07/29/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Low LTV/CLTV/HCLTV - 54.53% CLTV is below 80% maximum per guidelines.; |  | Client: EV2/B Non-material | Approved C B |
| 900001093 | XXXX | 1075322 | 07/29/2024 | Compliance | Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) | TRID 0166 | 1 | Closed | Missing dry funding CD issued after closing. | 08/07/2024 | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Low LTV/CLTV/HCLTV - 54.53% CLTV is below 80% maximum per guidelines.; | 8/7/2024 - Recd dry funding CD. TRID 0166 Exception Cleared; | 8/7/2024 - Recd dry funding CD. TRID 0166 Exception Cleared; - 8/7/2024 - Recd dry funding CD. TRID 0166 Exception Cleared; | Approved C |
| 900001093 | XXXX | 1075324 | 07/29/2024 | Compliance | LE is not within 3 business days of Change of Circumstance. | TRID 0162 | 1 | Closed | Missing re-disclosed LE for rate lock extension and interest rate change to 9%. COC issued xx/xx is more than 3 days prior to next LE in file issued xx/xx LE. | 08/07/2024 | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Low LTV/CLTV/HCLTV - 54.53% CLTV is below 80% maximum per guidelines.; | 8/7/2024 - "(lender) was closed for business on xx/xx and xx/xx, which followed into the weekend. The LE dated xx/xx is within business days timeframe." TRID 0162 Exception Cleared; | 8/7/2024 - "(lender) was closed for business on xx/xx and xx/xx, which followed into the weekend. The LE dated xx/xx is within business days timeframe." TRID 0162 Exception Cleared; - 8/7/2024 - "(lender) was closed for business on xx/xx and xx/xx, which followed into the weekend. The LE dated xx/xx is within business days timeframe." TRID 0162 Exception Cleared; | Approved C |
| 900001136 | XXXX | 1075375 | 07/29/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC or general credit for increase in recording fees. COC does not address increase in this fee. -- The total amount of Closing Disclosure 10% Category fees ($184.00) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on XX/XX/XX, ($115.00). The total amount of fees in this category cannot exceed ($126.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). |  | Low DTI - 33.39% DTI is below 45% maximum per guidelines.; Disposable Income - Borrowers have verified residual income of $XXXX.; | 8/24/2024 - Exception is downgraded EV2/B with the attached PCCD, cover letter, copy of refund check $XX, and courier tracking slip to evidence package is in transit. <br>8/7/2024 - "Hello, Could you confirm the Cure amount for this condition? Is it XX?" --- Yes, amount to cure is $XX. TRID 0124 Exception Remains; | Client: 8/24/2024 - Exception is downgraded EV2/B with the attached PCCD, cover letter, copy of refund check $XX, and courier tracking slip to evidence package is in transit. | Funded C B |
| 900001115 | XXXX | 1075643 | 07/30/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing affiliated business disclosure. No privacy disclosure in file to indicate if the lender has any affiliated business relationships to disclose. | 08/07/2024 | Low DTI - 38.81% DTI < 45%.; | 8/7/2024 - Lender confirms that there are no affiliated business relationships to disclose, thus no ABD required. | 8/7/2024 - Lender confirms that there are no affiliated business relationships to disclose, thus no ABD required. - 8/7/2024 - Lender confirms that there are no affiliated business relationships to disclose, thus no ABD required. | Funded C A |
| 900001115 | XXXX | 1075644 | 07/30/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Missing Homeownership Counseling Disclosure to verify 10 counselors were disclosed to borrower. | 08/07/2024 | Low DTI - 38.81% DTI < 45%.; | 8/7/2024 - Exception is cleared with the attached Homeownership Counseling Disclosure. | 8/7/2024 - Exception is cleared with the attached Homeownership Counseling Disclosure. - 8/7/2024 - Exception is cleared with the attached Homeownership Counseling Disclosure. | Funded C A |
| 900001115 | XXXX | 1075646 | 07/30/2024 | Compliance | Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) | TRID 0166 | 1 | Closed | Missing post-closing dry funding CD. | 08/14/2024 | Low DTI - 38.81% DTI < 45%.; | 8/13/2024 - Recd closing CD. TRID 0166 Exception Cleared;<br>8/7/2024 - Recd PCCD. Missing closing CD. TRID 0166 Exception Remains; | 8/13/2024 - Recd closing CD. TRID 0166 Exception Cleared; - 8/13/2024 - Recd closing CD. TRID 0166 Exception Cleared; | Funded C A |
| 900001115 | XXXX | 1076040 | 07/31/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Borrower is self employed qualifying on 12 months business bank statement program. Missing signed Business Narrative required per guidelines. |  | Low DTI - 38.81% DTI < 45%.; |  | Client: EV2/B - Investor Acknowledged Exception | Funded C B |
| 900001193 | XXXX | 1075945 | 07/31/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | Missing second page of the initial LE Dated XX/XX/XX. | 09/04/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x95.; Low DTI - Borrower DTI of 33.41% is below 50% maximum per guidelines.; |  | 09/03/24 - Pages 1 and 2 of the LE dated XX/XX/XX received. - 09/03/24 - Pages 1 and 2 of the LE dated XX/XX/XX received. | Sold C A |
| 900001193 | XXXX | 1075948 | 07/31/2024 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Missing executed ROR by all title holders. RORs in file are unexecuted. | 09/04/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x95.; Low DTI - Borrower DTI of 33.41% is below 50% maximum per guidelines.; |  | 09/03/24 - Executed ROR received. - 09/03/24 - Executed ROR received. | Sold C A |
| 900001193 | XXXX | 1076226 | 08/01/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing lender approval. | 09/04/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x95.; Low DTI - Borrower DTI of 33.41% is below 50% maximum per guidelines.; |  | 09/03/24 - Lender loan approval received. - 09/03/24 - Lender loan approval received. | Sold C A |
| 900001193 | XXXX | 1076328 | 08/01/2024 | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 1 | Closed | Final CD dated XX/XX/XX reflects a disbursement date of XX/XX/XX. Actual disbursement date per the final settlement statement is XX/XX/XX. Missing final CD reflecting final dates. | 09/25/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x95.; Low DTI - Borrower DTI of 33.41% is below 50% maximum per guidelines.; |  | 09/24/24 - PC CD dated XX/XX/XX received. Fees and Disbursement date updated. (Dry Funding state). - 09/24/24 - PC CD dated XX/XX/XX received. Fees and Disbursement date updated. (Dry Funding state). | Sold C A |
| 900001135 | XXXX | 1075517 | 07/30/2024 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Copies of ROR appear to have cut off pages and are missing signatures/dates of borrowers/vested owners. | 08/16/2024 | Verified credit history - Qualifying credit score 767 > 700 Min Required.; |  | 08/13/24 - Complete copies of the executed RORs received. - 08/13/24 - Complete copies of the executed RORs received. | Funded C A |
| 900001135 | XXXX | 1076227 | 08/01/2024 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Appraisal is not complete. The bottom section of all pages of appraisal has been cut off. Not all photos are fully visible | 08/16/2024 | Verified credit history - Qualifying credit score 767 > 700 Min Required.; |  | 08/13/24 - Complete copy of appraisal received. - 08/13/24 - Complete copy of appraisal received. | Funded C A |
| 900001135 | XXXX | 1076229 | 08/01/2024 | Compliance | Note is Incomplete | NOTE 0050 | 1 | Closed | Page 1 of Note is not fully visible. Bottom section of image is cut off at the bottom. | 08/16/2024 | Verified credit history - Qualifying credit score 767 > 700 Min Required.; |  | 08/13/24 - Complete copy of the Note received. - 08/13/24 - Complete copy of the Note received. | Funded C A |
| 900001135 | XXXX | 1076235 | 08/01/2024 | Credit | Missing W2(s) | CRED 0137 | 1 | Closed | W2 forms provided are not complete copies. The Year is not stated on the W2 forms. | 08/23/2024 | Verified credit history - Qualifying credit score 767 > 700 Min Required.; | 8/20/2024 - Exception re-reviewed and cleared. Loan file contains 3rd party VOE and wage transcripts. CRED 0137 Exception Cleared; | 8/20/2024 - Exception re-reviewed and cleared. Loan file contains 3rd party VOE and wage transcripts. CRED 0137 Exception Cleared; - 8/20/2024 - Exception re-reviewed and cleared. Loan file contains 3rd party VOE and wage transcripts. CRED 0137 Exception Cleared; | Funded C A |
| 900001135 | XXXX | 1076261 | 08/01/2024 | Credit | Missing Credit Package | CRED 0038 | 1 | Closed | Multiple parts of file have the bottom part of the page cut off. | 09/05/2024 | Verified credit history - Qualifying credit score 767 > 700 Min Required.; | 9/30/2024 - Recd complete copies of missing docs.<br>8/27/2024 - Lender is requesting a list of the documents where the images were cutoff. <br>8/13/24 Duplicate copy of the credit report received. Also received was a complete copy of the appraisal, and ROR.<br>\*\*Finding remains. It appears that the whole closing package was mis-imaged as the bottoms of the pages are cut off. Please provide a complete copy of the closing package. | 9/30/2024 - Recd complete copies of missing documents. - 9/30/2024 - Recd complete copies of missing documents. | Funded C A |
| 900001098 | XXXX | 1075530 | 07/30/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Low DTI - 27.68% DTI is below maximum 50% per guidelines.; Verified employment history - Borrower has been on current job xxx years.; |  | Client: EV2 Non-Material | Approved C B |
| 900001098 | XXXX | 1075544 | 07/30/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing COC for decrease in general credit. Credit changed from $-xxx to $-xxx -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Loan Estimate sent on xx/xx, ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). | 08/07/2024 | Low DTI - 27.68% DTI is below maximum 50% per guidelines.; Verified employment history - Borrower has been on current job xxx years.; | 08/01/24 - Recd from lender: Please see rate lock extension and credit adjustment. | 08/01/24 - Recd from lender: Please see rate lock extension and credit adjustment. - 08/01/24 - Recd from lender: Please see rate lock extension and credit adjustment. | Approved C |
| 900001099 | XXXX | 1076317 | 08/01/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 2 | Acknowledged | Missing VVOE for B1 dated within 10 days of the note date. The (voe) is incomplete and does not confirm if the borrower was still active. |  | Verified employment history - Borrower 1 has been on job xxx years.; Verified credit history - 779 Credit score exceeds minimum required 680 per guidelines.; | Exception is downgraded to EV2/B with the attached post-consummation dated VOE, which is in support of the pre-consummation dated VOE in file dated < 30 days prior to closing. | Mitigated Risk: Exception is downgraded to EV2/B with the attached post-consummation dated VOE, which is in support of the pre-consummation dated VOE in file dated < 30 days prior to closing. | Approved C B |
| 900001129 | XXXX | 1076153 | 08/01/2024 | Compliance | Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 | TRID 0089 | 2 | Acknowledged | In reviewing the lender's mavent report it appears that the variance is due to the lender not including $XX State Policy Fee and $XX Tax Service fee.--The disclosed finance charge ($478,827.34) is ($61.00) below the actual finance charge ($478,888.34). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) |  | Verified employment history - Borrower has owned business for 23 plus years.; Verified credit history - 766 Credit score exceeds minimum 700 required per guidelines.; | 9/4/2024 - Exception is downgraded to EV2/B with the attached ROR and courier tracking slip to evidence delivery to borrower. PCCD disclosing the credit of $XX for increase above legal limit, copy of refund $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from closing previously provided on XX/XX.<br>8/26/2024 - Recd email confirmation from the borrower that the ROR was received XX/XX. No exception cleared. Borrower received the ROR on the date the new rescission period expired, thus borrower was not provided a full 3 business days to rescind the transaction. ROR expiration should be 3 full business days after the ROR is received by the borrower. <br>8/20/2024 - Bwr was also sent an email on Friday with the resc docs as well, so they did get this on Friday XX/XX. \*\* Please provide borrowers reply to email acknowledging receipt. \*\* Attached courier tracking slip evidences delivery to borrower of the ROR on XX/XX, which is after the new rescission period expiration date of XX/XX. Borrower was not provided a full 3 business days to rescind the transaction. ROR expiration should be 3 full business days after the ROR is received by the borrower. <br>08/16/24 - Exception is partially with the attached PCCD disclosing the credit of $XX for increase above legal limit, copy of refund $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from closing. Missing is evidence of the rescission period being reopened for the refinance transaction. ---Refer TRID 0166: ROR expiration date of XX/XX is prior to the ROR (XX/XX) and PCCD with Refund (XX/XX) delivery dates, thus borrower was not provided a full 3 business days to rescind the transaction. ROR expiration should be 3 full days after the ROR is received by the borrower. TRID 0166 Exception Remains;<br>8/13/2024 - PCCD updating the amount financed to $478,888.34 with cover letter is insufficient cure the exception. PCCD does disclose credit to cure and there is no evidence of refund to borrower with trackable delivery. Transaction is rescindable. Rescission period to be reopened. | Client: 9/4/2024 - Exception is downgraded to EV2/B with the attached ROR and courier tracking slip to evidence delivery to borrower. PCCD disclosing the credit of $XX for increase above legal limit, copy of refund $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from closing previously provided on XX/XX. | Funded C B |
| 900001129 | XXXX | 1076179 | 08/01/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Final CD Loan Disclosures / Escrow Account did not disclose if an escrow account was declined by the borrower or if the lender did not offer one. |  | Verified employment history - Borrower has owned business for 23 plus years.; Verified credit history - 766 Credit score exceeds minimum 700 required per guidelines.; |  | Client: EV2 Non-Material | Funded C B |
| 900001129 | XXXX | 1078188 | 08/14/2024 | Compliance | Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) | TRID 0166 | 2 | Acknowledged | NEW 8/14 Recd PCCD TRID 0089: Disclosed Total of Payments of $XXXX on CD issued at closing on XX/XX is $XX less than the corrected Total of Payments of $XXXX disclosed on PCCD issued on XX/XX. This exceeds the $35 threshold for rescindable transactions. Requires LOE, PCCD, refund, re-opening of rescission period and evidence of receipt by borrower. |  | Verified employment history - Borrower has owned business for 23 plus years.; Verified credit history - 766 Credit score exceeds minimum 700 required per guidelines.; | 9/4/2024 - Exception is downgraded to EV2/B with the attached ROR and courier tracking slip to evidence delivery to borrower. PCCD disclosing the credit of $XX for increase above legal limit, copy of refund $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from closing previously provided on XX/XX.<br>8/26/2024 - Recd email confirmation from the borrower that the ROR was received XX/XX. No exception cleared. Borrower received the ROR on the date the new rescission period expired, thus borrower was not provided a full 3 business days to rescind the transaction.<br>8/20/2024 - Bwr was also sent an email on Friday with the resc docs as well, so they did get this on Friday XX/XX. \*\* Please provide borrowers reply to email acknowledging receipt.<br>8/16/2024 - Exception is partially with the attached PCCD disclosing the credit of $XX for increase above legal limit, copy of refund $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from closing (XX/XX). Attached ROR was delivered to borrower (XX/XX), which is prior to the date the PCCD and refund was received. ROR expiration date of XX/XX is prior to the ROR (XX/XX) and PCCD with Refund (XX/XX) delivery dates, thus borrower was not provided a full 3 business days to rescind the transaction. ROR expiration should be 3 full days after the ROR is received by the borrower. TRID 0166 Exception Remains; | Client: 9/4/2024 - Exception is downgraded to EV2/B with the attached ROR and courier tracking slip to evidence delivery to borrower. PCCD disclosing the credit of $XX for increase above legal limit, copy of refund $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from closing previously provided on XX/XX. | Funded C B |
| 900001130 | XXXX | 1076670 | 08/05/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing COC for decrease in lender credit. --The sum of non-specific (lump sum) lender credits and specific lender credits ($6,250.00) has decreased from the amount disclosed on the Closing Disclosure sent on XX/XX/XXXX, ($7,500.00). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). | 08/08/2024 | Low LTV/CLTV/HCLTV - 53.09% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has verified $XX in residual income.; | 8/8/2024 - Exception is cleared with the attached COC. | 8/8/2024 - Exception is cleared with the attached COC. - 8/8/2024 - Exception is cleared with the attached COC. | Funded C A |
| 900001130 | XXXX | 1076690 | 08/05/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Final CD Loan Disclosures / Escrow Account did not disclose if an escrow account was declined by the borrower or if the lender did not offer one. |  | Low LTV/CLTV/HCLTV - 53.09% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has verified $XX in residual income.; |  | Client: EV2 Non-Material | Funded C B |
| 900001130 | XXXX | 1076862 | 08/06/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 2 | Acknowledged | Missing 3rd party verification of self-employment.<br>|  | Low LTV/CLTV/HCLTV - 53.09% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has verified $XX in residual income.; | 8/23/2024 - Exception is downgraded to EV2/B with the attached post-consummation dated SOS for self-employment businesses, which is in support of two years tax returns provided in file.<br>8/8/2024 - Recd post-consummation dated SOS, which is in support of two years tax returns provided in file. Still missing verification of self-employment for other businesses. | Mitigated Risk: 8/23/2024 - Exception is downgraded to EV2/B with the attached post-consummation dated SOS for self-employment businesses, which is in support of two years tax returns provided in file. | Funded C B |
| 900001130 | XXXX | 1076903 | 08/06/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | UPDATED EXCEPTION: Approved DTI 44.58% / Review DTI 48.48%, variance > 3% due to income calculation discrepancy.<br>ORIGINAL EXCEPTION: 51.06% DTI exceeds maximum 50% per guidelines. Per Final 1003 reflects notes receivable income of $XXXX was used to qualify. Notes in file are held by XX and XX. This income appears to be reported on the returns and reflected in the interest income reported on the borrower's K1. Review has included the income under each applicable business as reported on the K1s vs the separate Notes receivable as the file does not contain any documentation to verify regular receipt of income for the most recent 12 months. |  | Low LTV/CLTV/HCLTV - 53.09% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has verified $XX in residual income.; |  | Mitigated Risk: Approved DTI 44.58% / Review DTI 48.48%, variance > 3% due to income calculation discrepancy. Review DTI excluding installment debt < 10 months is 48.48% < 50% Max Allowed (LTV < 80%, FICO > 720, and Residual Income > $XX). | Funded C B |
| 900001175 | XXXX | 1076657 | 08/05/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Per Preliminary Title there were unpaid, delinquent property taxes on subject. Tax Bill states taxes were due by XX/XX/XX. No evidence on final Closing Disclosure that the taxes were paid. | 08/14/2024 | Low DTI - 22.34% DTI, maximum of 45% allowed. ; | 8/13/2024 - Recd tax information evidencing that the delinquent taxes were redeemed. TITL 0014 Exception Cleared; | 8/13/2024 - Recd tax information evidencing that the delinquent taxes were redeemed. TITL 0014 Exception Cleared; - 8/13/2024 - Recd tax information evidencing that the delinquent taxes were redeemed. TITL 0014 Exception Cleared; | Funded C A |
| 900001175 | XXXX | 1076692 | 08/05/2024 | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 1 | Closed | Signed CD has disbursement date of XX/XX/XX with an interest from date of XX/XX/XX. Estimated HUD executed XX/XX/XX reflects XX/XX/XX. Missing final CD. (Dry Funding state) | 08/21/2024 | Low DTI - 22.34% DTI, maximum of 45% allowed. ; | 08/15/24 - LOE to borrower, PC CD, Interest refund check in the amount of $XX, Fed-Tracking which delivery was confirmed received.<br>\*\*Finding remains, PC CD is deficient as the interest To/From dates were not updated and still reflect XX/XX/XX with the charge of $XX. PPI should reflect To/From dates of XX/XX/XX to XX/XX/XX with an interest credit of $XX. Lender to provide updated PC CD with LOE to borrower. | 08/20/24 - Final CD reflecting the actual disbursement date and interest to/from dates received. (Dry Funding State) - 08/20/24 - Final CD reflecting the actual disbursement date and interest to/from dates received. (Dry Funding State) | Funded C A |
| 900001175 | XXXX | 1076695 | 08/05/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing the disclosure tracking to verify borrower receipt of the LE issued XX/XX/XX. | 08/14/2024 | Low DTI - 22.34% DTI, maximum of 45% allowed. ; | 8/13/2024 - Recd disclosure tracking to evidence delivery to borrower within 4 business days before consummation. TRID 0023 Exception Cleared; | 8/13/2024 - Recd disclosure tracking to evidence delivery to borrower within 4 business days before consummation. TRID 0023 Exception Cleared; - 8/13/2024 - Recd disclosure tracking to evidence delivery to borrower within 4 business days before consummation. TRID 0023 Exception Cleared; | Funded C A |
| 900001175 | XXXX | 1076703 | 08/05/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Low DTI - 22.34% DTI, maximum of 45% allowed. ; |  | Client: EV2 Non-Material | Funded C B |
| 900001175 | XXXX | 1078491 | 08/16/2024 | Compliance | Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 | TRID 0089 | 2 | Acknowledged | 08/21/24 - Added per PC CD dated XX/XX/XX -- The disclosed finance charge ($879,272.51) is ($73.00) below the actual finance charge ($879,345.51). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) |  | Low DTI - 22.34% DTI, maximum of 45% allowed. ; | 9/11/24 - LOE, ROR, and Fed-Ex tracking received. Delivery confirmed XX/XX/XX. ROR expired XX/XX/XX.<br>9/9/2024 - Exception re-reviewed. Exception is partially cured with PCCD, cover letter, copy of refund check $XX, and courier tracking slip. TRID Grid 4.0 allows for Corrected PCCD or detailed LOE re-disclosing the correct information. LOE needs to provide the correct information. Also missing evidence of the rescission period being reopened for the rescindable transaction. -- Cover letter deemed acceptable detailed LOE. Still missing evidence of rescission period being reopened.<br>8/27/2024 - Attached PCCD, cover letter, copy of refund check $XX, and courier tracking slip are insufficient to cure the finding. The Finance Charge was not corrected on the PCCD and there is no evidence of the rescission period being reopened for the rescindable transaction.<br>08/20/24 - Final CD received. Interest to/From dates updated with the corrected pre-paid interest. | Pending final CD - Client: 09/11/2024 EV2 Post-Closing Corrective Action - LOE, ROR, and Fed-Ex tracking received. Delivery confirmed XX/XX/XX. ROR expired XX/XX/XX.<br>9/9/2024 - Exception is partially cured with PCCD, cover letter, copy of refund check $XX, and courier tracking slip. TRID Grid 4.0 allows for Corrected PCCD or detailed LOE re-disclosing the correct information. <br>Pending final CD | Funded C B |
| 900001240 | XXXX | 1076874 | 08/06/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Compliance with Title XI of FIRREA not included in Appraisal Report. |  | Verified housing payment history - 44 months of mortgage history paid 0x30, verified per credit report. ; |  | Client: EV2 Non-Material | Funded C B |
| 900001240 | XXXX | 1077431 | 08/08/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Missing current statements to verify payoffs were sufficient to pay account balances in full. With payments included DTI is 76.64% which exceeds the max allowed of 45%. | 09/12/2024 | Verified housing payment history - 44 months of mortgage history paid 0x30, verified per credit report. ; | 9/10/2024 - Exception is cleared with the attached preclose credit report.<br>8/24/2024 - Attached lender posted response does not correspond with the exception. Missing current statements to verify payoff was sufficient to pay account balances in full. | 9/10/2024 - Exception is cleared with the attached preclose credit report. - 9/10/2024 - Exception is cleared with the attached preclose credit report. | Funded C A |
| 900001240 | XXXX | 1081586 | 09/12/2024 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 1 | Closed | NEW 9/12/24 - After deducting payments paid at closing DTI exception identified (CRED 0004).<br>XX minimum payment of $XX was not included in qualifying. Including the liability increased the DTI to 45.18% > 45% Max Allowed. Borrower does not meet requirements to allow DTI up to 50%. | 09/19/2024 | Verified housing payment history - 44 months of mortgage history paid 0x30, verified per credit report. ; | 9/17/2024 - Exception re-reviewed and cleared. CD confirms the liability was paid at closing. | 9/17/2024 - Exception re-reviewed and cleared. CD confirms the liability was paid at closing. - 9/17/2024 - Exception re-reviewed and cleared. CD confirms the liability was paid at closing. | Funded C A |
| 900001240 | XXXX | 1084296 | 10/07/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing post-disaster inspection report. Subject county is in a declared disaster zone eligible for individual assistance. | 10/21/2024 | Verified housing payment history - 44 months of mortgage history paid 0x30, verified per credit report. ; | 10/17/2024 - Exception is cleared with the attached disaster inspection report confirming no property damage. | 10/17/2024 - Exception is cleared with the attached disaster inspection report confirming no property damage. - 10/17/2024 - Exception is cleared with the attached disaster inspection report confirming no property damage. | Funded C A |
| 900001194 | XXXX | 1076771 | 08/05/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 2 | Acknowledged | Missing COC for removal of specific fee credits on Final CD. Initial CD and Interim CD show several items in Section B paid by other. Final CD shows these items paid by borrower. No COC or offsetting General Credit. |  | Verified housing payment history - 127 months of mortgage history paid 0x30, verified per credit report. ; Net tangible benefit - Debt consolidation saving borrower $XX per month. ; | 09/15/24 - LOE to borrower, PC CD, copy of refund check in the amount of $XX, and (courier) tracking to evidence delivery to borrower was completed within 60 days from consummation.<br>8/30/2024 - Lender is requesting amount to cure. TRID 0121 Cure is $XX: Original Disclosed Credit $XX - Actual Credit $XX = $XX. TRID 0124 Cure is $XX: LE Disclosed $XX x 110% = $XX Max Allowed. Actual $XX - Max $XX = Tolerance Violation $XX - Disclosed Cure $XX = $XX. Total Credit to Cure $XX + $XX = $XX. | Client: 09/15/24 - LOE to borrower, PC CD, copy of refund check in the amount of $XX, and (courier) tracking to evidence delivery to borrower was completed within 60 days from consummation. | Sold C B |
| 900001194 | XXXX | 1076773 | 08/05/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for increase in Recording Fee on Final CD signed at closing. Borrower paid portion increased from $XX to $XX. |  | Verified housing payment history - 127 months of mortgage history paid 0x30, verified per credit report. ; Net tangible benefit - Debt consolidation saving borrower $XX per month. ; | 09/15/24 - LOE to borrower, PC CD, copy of refund check in the amount of $XX, and (courier) tracking to evidence delivery to borrower was completed within 60 days from consummation.<br>8/30/2024 - Lender is requesting amount to cure. TRID 0121 Cure is $XX: Original Disclosed Credit $XX - Actual Credit $XX = $XX. TRID 0124 Cure is $XX: LE Disclosed $XX x 110% = $XX Max Allowed. Actual $XX- Max $XX = Tolerance Violation $XX - Disclosed Cure $XX = $XX. Total Credit to Cure $XX + $XX = $XX. | 09/15/24 - LOE to borrower, PC CD, copy of refund check in the amount of $XX, and (courier) tracking to evidence delivery to borrower was completed within 60 days from consummation. - Client: 09/15/24 - LOE to borrower, PC CD, copy of refund check in the amount of $XX, and (courier) tracking to evidence delivery to borrower was completed within 60 days from consummation.<br>09/15/24 - LOE to borrower, PC CD, copy of refund check in the amount of $XX, and (courier) tracking to evidence delivery to borrower was completed within 60 days from consummation. | Sold C B |
| 900001103 | XXXX | 1076955 | 08/07/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated xx/xx/xx does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Low DTI - 36.29% - Max 45%DTI; Verified housing payment history - 34 months verified 0x30 mortgage payment history; |  | Client: EV2 Non-Material | Funded C B |
| 900001157 | XXXX | 1077107 | 08/07/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | Missing copy of CD issued XX/XX and presumed received by the borrower on XX/XX per disclosure tracking documents. | 09/11/2024 | Low LTV/CLTV/HCLTV - CLTV of 43.05%, maximum of 85% allowed per guidelines. ; | 9/6/2024 - Exception is cleared with the attached lender attestation confirming disclosures indicated to have been issued XX/XX and XX/XX were not delivered to borrower.<br>9/3/2024 - Recd copies of CDs XX/XX, XX/XX, and XX/XX. Missing XX/XX and XX/XX CD's, per disclosure tracking. XX/XX was indicated to have been delivered in person and the XX/XX CD by mail. Lender to provide signed attestation addressing the reason for disclosure tracking evidencing in-person delivery to borrower of the XX/XX CD and US Mail delivery of the CD XX/XX, but no corresponding disclosures provided in file.<br>8/26/2024 - Posted response is insufficient to satisfy the exception. Provide signed lender attestation that the CD's indicated to have been issued XX/XX and XX/XX were not delivered to borrowers. Note that the CD indicated to have been issued XX/XX was also indicated to have been delivered in person. It is noted that the disclosure tracking indicates that the CD's XX/XX, XX/XX and XX/XX were all the initial CDs. | 9/6/2024 - Exception is cleared with the attached lender attestation confirming disclosures indicated to have been issued XX/XX and XX/XX were not delivered to borrower. - 9/6/2024 - Exception is cleared with the attached lender attestation confirming disclosures indicated to have been issued XX/XX and XX/XX were not delivered to borrower. | Funded C A |
| 900001157 | XXXX | 1077598 | 08/09/2024 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Per final 1003, borrowers own a separate free and clear investment property at (address). No documentation of this property in the file. 1003 states tax and insurance of $XX/mo. Missing documentation of tax and insurance expenses and missing confirmation that property is free and clear. Review included stated expenses of $XX/mo pending verification. | 08/19/2024 | Low LTV/CLTV/HCLTV - CLTV of 43.05%, maximum of 85% allowed per guidelines. ; |  | 08/19/24 - Updated 1003, 1008, and property profile report for noted separate REO was received. Property report confirms no ownership by borrowers. Updated 1008/1003 reflect that the separate REO and expenses have been removed. - 08/19/24 - Updated 1003, 1008, and property profile report for noted separate REO was received. Property report confirms no ownership by borrowers. Updated 1008/1003 reflect that the separate REO and expenses have been removed. | Funded C A |
| 900001157 | XXXX | 1077603 | 08/09/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI of 45.28% exceeds maximum allowed of 45% (does not qualify for DTI to 50%). File contains no valid approval, unable to validate lender DTI. Based on 1008, lender included XX income of $XX/mo which is not documented in the file and lender included Other Monthly payments of $XX which are not documented. Review verified other monthly payments of $XX. |  | Low LTV/CLTV/HCLTV - CLTV of 43.05%, maximum of 85% allowed per guidelines. ; | 8/14/2024 - Investor accepts the post-close score and allow DTI up to 50%. CRED 0004 Investor Acknowledged Exception;<br>8/13/2024 - Please revisit- meets minimum fico of 720 based on most recent credit report, max cltv of 80, full doc, and XX income using all debts. --- Primary wage earner qualifying FICO 717 < 720 required for DTI up to 50%. Updated credit report was completed post-consummation. <br>---Escalating to investor for review. | Client: 8/14/2024 - Investor accepts the post-close score and allow DTI up to 50%. CRED 0004 Investor Acknowledged Exception; | Funded C B |
| 900001157 | XXXX | 1077605 | 08/09/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | File contains no valid approval matching final terms of Note. Based on documents in the file the original loan request was $XX. Loan closed with $XX amount. 1008 lists correct loan amount, however based on Other Monthly payments it appears the 1008 still reflects the debts paid off. Missing final loan approval. | 08/19/2024 | Low LTV/CLTV/HCLTV - CLTV of 43.05%, maximum of 85% allowed per guidelines. ; |  | 08/19/24 - Updated loan approval and 1008 reflecting the subject loan terms received. - 08/19/24 - Updated loan approval and 1008 reflecting the subject loan terms received. | Funded C A |
| 900001121 | XXXX | 1077244 | 08/08/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | CD only included estimated insurance payment in property costs over year 1 calculation. Actual tax $xxx + insurance $xxx = $xxx with property costs over year 1 of $xxx. |  | Low LTV/CLTV/HCLTV - CLTV of 49%, maximum of 80% allowed per guidelines. ; Verified credit history - 759 FICO > 640 Min Required.; |  | Client: EV2 Post Closing Corrective Action- Corrective PC CD and LOE to borrower received. | Funded C B |
| 900001121 | XXXX | 1077298 | 08/08/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Final CD dated xx/xx/xx Loan Disclosures / Escrow Account did not disclose if an escrow account was declined by the borrower or if the lender did not offer one. |  | Low LTV/CLTV/HCLTV - CLTV of 49%, maximum of 80% allowed per guidelines. ; Verified credit history - 759 FICO > 640 Min Required.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001151 | XXXX | 1076999 | 08/07/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified housing payment history - 48 months current mortgage history paid 0x30 per credit report. ; Verified credit history - Borrower representative credit score is 725. All credit history reported is paid 0x30 with oldest reporting tradeline 24 years of history. ; Net tangible benefit - Borrower paid off $XX in consumer debt eliminating $XX in monthly payments. ; |  | Mitigated Risk: EV2/B Non-Material | Funded C B |
| 900001151 | XXXX | 1077001 | 08/07/2024 | Compliance | Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 | TRID 0089 | 2 | Acknowledged | Under-disclosure is due to XX Fee. -- The disclosed finance charge ($292,569.22) is ($575) below the actual finance charge ($293,144.22). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) |  | Verified housing payment history - 48 months current mortgage history paid 0x30 per credit report. ; Verified credit history - Borrower representative credit score is 725. All credit history reported is paid 0x30 with oldest reporting tradeline 24 years of history. ; Net tangible benefit - Borrower paid off $XX in consumer debt eliminating $XX in monthly payments. ; | 9/3/2024 - Exception is downgraded to EV2/B with the borrower executed ROR. PCCD, LOE, and refund check with evidence of trackable delivery to borrower.<br>SFIG 4.0: Confirmation that borrower did not elect to rescind the transaction is not required and exception status and regrading to a cured EV2-B can be completed prior to expiration of new 3-day rescission period. <br>9/3/2024 - Exception can be downgraded to EV2 upon expiration of the new ROR period.<br>8/27/2024 - Attached ROR is insufficient to satisfy the exception. Cover letter should be addressed to all title holders. Additionally, the new ROR expiration date was not updated to allow for 3 full business days after receipt. The courier tracking slip that was included to evidence delivery to borrower is insufficient. Tracking details reflects "Label Created".<br>8/19/2024 - Exception is partially cured with the attached: PCCD, Cover Letter, Refund Check of $XX, and Courier Tracking Slip to evidence delivery to borrower completed within 60 days from consummation. Missing evidence of rescission period being reopened. | Client: 9/3/2024 - Exception is downgraded to EV2/B with the borrower executed ROR, PCCD, LOE, and refund check with evidence of trackable delivery to borrower. | Funded C B |
| 900001151 | XXXX | 1077782 | 08/12/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Approved DTI 43.85% / Review DTI 35.10% (Max 45%), variance > 3%. Difference is due to XX costs being double counted. |  | Verified housing payment history - 48 months current mortgage history paid 0x30 per credit report. ; Verified credit history - Borrower representative credit score is 725. All credit history reported is paid 0x30 with oldest reporting tradeline 24 years of history. ; Net tangible benefit - Borrower paid off $XX in consumer debt eliminating $XX in monthly payments. ; |  | Client: EV2/B Non-Material. | Funded C B |
| 900001127 | XXXX | 1077808 | 08/12/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Review DTI 45.39% > 45% Max Allowed, (Creditor) xxxx payment of $xxx does not appear to have been considered in qualifying. Borrower does not meet the residual income requirement of $xxx for max DTI allowed of 50% (Income $xxx - Liabilities $xxx =$xxx). | 08/16/2024 | Verified employment history - Borrower has been employed with same employer for xxx years.; Verified housing payment history - 73 combined months of mortgage pay history paid 0x30 per credit report. ; Verified reserves - 50 months reserves remain after closing from cashout received from the subject transaction. ; |  | 08/13/24 Copy of Citi statement reflecting $xxx balance received. Final DTI with updated $xxx payment 44.77%. - 08/13/24 Copy of Citi statement reflecting $xxx balance received. Final DTI with updated $xxx payment 44.77%. | Funded C A |
| 900001137 | XXXX | 1077438 | 08/09/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender's underwriting decision / approval. Review used 1008 for ratios. | 08/19/2024 | Verified reserves - Borrower has XX months verified reserves.; Disposable Income - Borrower has $XXXX in verified disposable income.; |  | SEE APRV 0003 - SEE APRV 0003 | Funded D A |
| 900001137 | XXXX | 1078616 | 08/19/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender's underwriting decision / approval. Review used 1008 for ratios. | 09/04/2024 | Verified reserves - Borrower has XX months verified reserves.; Disposable Income - Borrower has $XXXX in verified disposable income.; |  | 09/03/24 - Lender loan approval received. - 09/03/24 - Lender loan approval received. | Funded C A |
| 900001163 | XXXX | 1077614 | 08/09/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing valid COC for increase to XX Fee of $XX ON XX/XX (From $XX to $XX).-- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on XX/XX/XX: XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). |  | Net tangible benefit - Debt consolidation saving borrower $XX per month. ; Verified credit history - 152 months of mortgage history paid 0x30, verified per credit report. ; | 09/10/24 - PC CD, LOE, Copy of refund check, and fed-ex tracking received.<br>8/23/2024 - Attached COC reflects XX fee triggered the change, but the other changes including the increase in the XX fee on the disclosure was $XX, from $XX to $XX. -- Total cure required $XX for 10% and 0% tolerance violations (Increase to XX Fee Cure $XX + Increase to XX Fee $XX). | Client: 09/10/2024 EV2 Post-Closing Corrective action -- PC CD, LOE, Copy of refund check, and fed-ex tracking received. | Funded C B |
| 900001163 | XXXX | 1077616 | 08/09/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for LE issued XX/XX/XX for the increase in the XX fee. -- The total amount of Closing Disclosure 10% Category fees ($261.85) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on XX/XX/XX, ($115.00). The total amount of fees in this category cannot exceed ($126.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). |  | Net tangible benefit - Debt consolidation saving borrower $XX per month. ; Verified credit history - 152 months of mortgage history paid 0x30, verified per credit report. ; | 09/10/24 - PC CD, LOE, Copy of refund check, and fed-ex tracking received.<br>8/23/2024 - Attached COC reflects XX fee of $XX triggered the change, but other changes including the increase from $XX to $XX exceeds the amount of XX Fee increase allowed. -- Total cure required $XX for 10% and 0% tolerance violations (Increase to XX Fee Cure $XX + Increase to XX Fee $XX). | Client: 09/10/2024 EV2 Post-Closing Corrective action -- PC CD, LOE, Copy of refund check, and fed-ex tracking received. | Funded C B |
| 900001163 | XXXX | 1077821 | 08/12/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI 23.53% / Approved DTI 28.71%, variance > 3% due to lender double counting costs already being escrowed with first lien. |  | Net tangible benefit - Debt consolidation saving borrower $XX per month. ; Verified credit history - 152 months of mortgage history paid 0x30, verified per credit report. ; |  | Mitigated Risk: EV2/B Non-Material. | Funded C B |
| 900001164 | XXXX | 1077851 | 08/12/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Title Report includes exception for XX and file does have payoff letter for $XX to payoff the exception; however, the payoff is not listed on the final CD. | 09/19/2024 | Verified credit history - 767 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrowers have $XX in verified XX income.; | 09/18/2024 - Recd image of Letter of Affirmation reflecting a $XX fee to be paid in order to terminate the XX Title Report Exception. Settlement statement provided XX/XX confirms Termination Fee was paid at closing.<br>09/06/24 - Copy of estimated settlement statement received.<br>\*\* Finding remains, Estimated and final settlement statement in file reflects $XX Termination Fee charge and a creditor payment to (creditor) in the amount of $XX. Unable to verify if this debt payment was for the payoff of the XX Title Report Exception or if the exception was terminated and/or should have been subordinated. No statement or payoff in file for (creditor). | 09/18/2024 - Recd image of Letter of Affirmation reflecting a $XX fee to be paid in order to terminate the XX Title Report Exception. Settlement statement provided XX/XX confirms Termination Fee was paid at closing. - 09/18/2024 - Recd image of Letter of Affirmation reflecting a $XX fee to be paid in order to terminate the XX Title Report Exception. Settlement statement provided XX/XX confirms Termination Fee was paid at closing. | Funded C A |
| 900001164 | XXXX | 1077939 | 08/13/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Most recent year tax return is not complete or signed by borrower. Missing first page and borrower signature.<br>|  | Verified credit history - 767 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrowers have $XX in verified XX income.; |  | Mitigated Risk: EV2 Most recent tax transcripts in file validated return. | Funded C B |
| 900001119 | XXXX | 1078054 | 08/13/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI 42.35% / Approved DTI 35.80%, Variance > 3% is due to review including consumer debt payment on pre-close report. Borrower paid off one account with similar attributes; however, account numbers do not match. Max DTI allowed is 45%. |  | Verified housing payment history - 168 combined months of mortgage housing paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $xxx in consumer debt with subject transaction eliminating $xxx in monthly debt. ; Verified reserves - 11 months reserves verified when guidelines required none. This is based on assets verified with bank statements and does not include the cash received at closing from the subject transaction. ; |  | Mitigated Risk: EV2/B Non-Material | Funded C B |
| 900001196 | XXXX | 1077748 | 08/12/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 2 | Acknowledged | Missing COC for LE issued XX/XX/XX. Rate reduced and locked. |  | Verified employment history - Borrower has been on current job 19 plus years.; Verified credit history - 789 Credit score exceeds minimum 680 per guidelines.; | 8/28/2024 - "Not seeing a COC either. Could you confirm the needed cure amount". -- No cure required. Missing is evidence of rate lock on XX/XX/XX. | Client: EV2 Non-Material, Rate was reduced and no fee violation. | Sold C B |
| 900001196 | XXXX | 1078202 | 08/14/2024 | Compliance | Missing TX Home Equity Affidavit and Agreement | TXEQ 0019 | 1 | Closed | Missing executed copy State Required XX Agreement. | 09/16/2024 | Verified employment history - Borrower has been on current job 19 plus years.; Verified credit history - 789 Credit score exceeds minimum 680 per guidelines.; |  | 09/16/24 - State Required XX Agreement received. - 09/16/24 - State Required XX Agreement received. | Sold C A |
| 900001196 | XXXX | 1083569 | 09/30/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing post disaster inspection report. Subject is in XX which was a declared disaster area as of XX/XX/XX. | 02/03/2026 | Verified employment history - Borrower has been on current job 19 plus years.; Verified credit history - 789 Credit score exceeds minimum 680 per guidelines.; | Exception was added at the request of the Investor after the loan was cleared by diligence. | 02/03/26 - Exterior PCI received confirming property is in average condition with no repairs needed. - 02/03/26 - Exterior PCI received confirming property is in average condition with no repairs needed. | Sold C A |
| 900001141 | XXXX | 1077586 | 08/09/2024 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Missing ROR for Title Holder XX. | 09/04/2024 | Low LTV/CLTV/HCLTV - 40.71% CLTV is below 85% maximum per guidelines.; Verified credit history - 721 Credit score exceeds minimum 680 required per guidelines.; |  | 09/04/24 - Executed ROR received. - 09/04/24 - Executed ROR received. | Funded C A |
| 900001144 | XXXX | 1077672 | 08/12/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | Missing last page of the final CD. | 08/27/2024 | Verified employment history - Borrower has 16.29 years on current job.; Disposable Income - Borrower has $XX in verified XX income.; | 8/23/2024 - Exception is cleared with the attached copy of the closing CD that includes the last page. | 8/23/2024 - Exception is cleared with the attached copy of the closing CD that includes the last page. - 8/23/2024 - Exception is cleared with the attached copy of the closing CD that includes the last page. | Funded C A |
| 900001195 | XXXX | 1078076 | 08/14/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing final title to confirm Amount of Insurance is $XX. Title Commitment in file reflects $XX as Proposed Insurance. | 09/25/2024 | Verified housing payment history - 87 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly debt. ; |  | 09/24/24 - FTP reflecting the final loan amount of $XX received. - 09/24/24 - FTP reflecting the final loan amount of $XX received. | Sold C A |
| 900001143 | XXXX | 1078109 | 08/14/2024 | Credit | Payoff/Demand Statement has a discrepancy in the data | DMND 0002 | 1 | Closed | Required XX closure letter in file is not executed by borrowers. | 09/04/2024 | Verified housing payment history - Borrowers have verified mortgage history of 0x30x50.; Verified employment history - Borrower 1 has 26.29 years on current job. Borrower 2 has 18.67 years on current job.; |  | 09/04/24 - Executed authorization to pay and close received. - 09/04/24 - Executed authorization to pay and close received. | Funded C A |
| 900001152 | XXXX | 1077692 | 08/12/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 2 | Acknowledged | The sum of non-specific (lump sum) lender credits and specific lender credits ($XX) has decreased from the amount disclosed on the Loan Estimate sent on XX/XX/XX and the prelim / initial CD ($XX). COC does not disclose a reason for the decrease. Missing valid COC for LC decrease. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($XX) has decreased from the amount disclosed on the Loan Estimate sent on XX/XX/XX. Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). |  | Low LTV/CLTV/HCLTV - Low 9.38% LTV and CLTV of 38.95%. Guidelines allow up to 80%.; Verified housing payment history - 75 combined months of mortgage housing payments paid 0x30 per the credit report.; Verified credit history - Borrower representative credit score is 806. All credits reported on credit report are reflected to be paid 0x30. Oldest and active tradeline reflected dates back to more than 20 years prior. ; Net tangible benefit - Borrower has minimal outstanding credit with balances. Debts with balance totaling $XX were paid off eliminating $XX in monthly payments. ; Verified reserves - 20 plus months reserves remain based on cash out proceeds allowed per guidelines. Guidelines required no reserves as CLTV < 75%.; | 09/03/24 - Copy of Fed-Ex tracking provided confirming borrower receipt. <br>8/27/2024 - Exception can be downgraded to EV2/B with the attached courier delivery confirmation evidencing delivery of the PCCD, cover letter, and copy of refund $XX to borrower within 60 days of consummation. Package label created XX/XX with delivery by XX/XX at 8PM that was presented on XX/XX was cancelled. The attached tracking slip was generated XX/XX at 2:59PM and confirms delivery on XX/XX. Lender to provide attestation confirming that the tracking slip posted XX/XX was generated in error and that the PCCD, refund, and LOE was included in the package with tracking number XX. Include a copy of the shipping label or delivery confirmation that reflects the addressee and street address.<br>8/23/2024 - Exception is partially cured with the attached PCCD, cover letter, and copy of refund $XX. Attached courier tracking slip delivery status is "Cancelled". Missing is delivery to borrower completed within 60 days of consummation. | Client: 09/03/2024 - Exception is downgraded to EV2/B with the attached courier delivery confirmation evidencing delivery of the PCCD, cover letter, and copy of refund $XX to borrower within 60 days of consummation. | Funded C B |
| 900001152 | XXXX | 1078193 | 08/14/2024 | Property | Appraisal is Incomplete | APPR 0002 | 2 | Acknowledged | Review is pending Investor approval of separate VM and separate exterior inspection. File contains VM effective XX/XX/XX and separate Exterior Property Inspection dated XX/XX/XX. Per guideline VM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) must be an approved VM provider. |  | Low LTV/CLTV/HCLTV - Low 9.38% LTV and CLTV of 38.95%. Guidelines allow up to 80%.; Verified housing payment history - 75 combined months of mortgage housing payments paid 0x30 per the credit report.; Verified credit history - Borrower representative credit score is 806. All credits reported on credit report are reflected to be paid 0x30. Oldest and active tradeline reflected dates back to more than 20 years prior. ; Net tangible benefit - Borrower has minimal outstanding credit with balances. Debts with balance totaling $XX were paid off eliminating $XX in monthly payments. ; Verified reserves - 20 plus months reserves remain based on cash out proceeds allowed per guidelines. Guidelines required no reserves as CLTV < 75%.; | 8/15/2024 - Investor Acknowledged exception. | Client: 8/15/2024 - Investor Acknowledged exception. | Funded C B |
| 900001152 | XXXX | 1078195 | 08/14/2024 | Compliance | Lender did not provide a disclosure informing the borrower(s) of their right to receive all written appraisals | COMP 0050 | 1 | Closed | Missing evidence that Borrower received the Right to Receive all written appraisals. eSign Process Summary does not list this disclosure as sent electronically. Borrower did receive as evidenced by email. | 08/21/2024 | Low LTV/CLTV/HCLTV - Low 9.38% LTV and CLTV of 38.95%. Guidelines allow up to 80%.; Verified housing payment history - 75 combined months of mortgage housing payments paid 0x30 per the credit report.; Verified credit history - Borrower representative credit score is 806. All credits reported on credit report are reflected to be paid 0x30. Oldest and active tradeline reflected dates back to more than 20 years prior. ; Net tangible benefit - Borrower has minimal outstanding credit with balances. Debts with balance totaling $XX were paid off eliminating $XX in monthly payments. ; Verified reserves - 20 plus months reserves remain based on cash out proceeds allowed per guidelines. Guidelines required no reserves as CLTV < 75%.; |  | 08/21/24 - TPR Error, This regulation is not required for transaction type. - 08/21/24 - TPR Error, This regulation is not required for transaction type. | Funded C A |
| 900001152 | XXXX | 1078219 | 08/14/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing final title to confirm vested owner was updated to reflect borrower only. | 08/21/2024 | Low LTV/CLTV/HCLTV - Low 9.38% LTV and CLTV of 38.95%. Guidelines allow up to 80%.; Verified housing payment history - 75 combined months of mortgage housing payments paid 0x30 per the credit report.; Verified credit history - Borrower representative credit score is 806. All credits reported on credit report are reflected to be paid 0x30. Oldest and active tradeline reflected dates back to more than 20 years prior. ; Net tangible benefit - Borrower has minimal outstanding credit with balances. Debts with balance totaling $XX were paid off eliminating $XX in monthly payments. ; Verified reserves - 20 plus months reserves remain based on cash out proceeds allowed per guidelines. Guidelines required no reserves as CLTV < 75%.; |  | 08/20/24 Final title received. - 08/20/24 Final title received. | Funded C A |
| 900001152 | XXXX | 1078220 | 08/14/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Borrower continuity on the second lien mortgage note must be the same as the borrowers on the first lien note. Lender acknowledged exception in file. |  | Low LTV/CLTV/HCLTV - Low 9.38% LTV and CLTV of 38.95%. Guidelines allow up to 80%.; Verified housing payment history - 75 combined months of mortgage housing payments paid 0x30 per the credit report.; Verified credit history - Borrower representative credit score is 806. All credits reported on credit report are reflected to be paid 0x30. Oldest and active tradeline reflected dates back to more than 20 years prior. ; Net tangible benefit - Borrower has minimal outstanding credit with balances. Debts with balance totaling $XX were paid off eliminating $XX in monthly payments. ; Verified reserves - 20 plus months reserves remain based on cash out proceeds allowed per guidelines. Guidelines required no reserves as CLTV < 75%.; |  | Client: Investor Acknowledged Exception. | Funded C B |
| 900001139 | XXXX | 1078175 | 08/14/2024 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 1 | Closed | Missing documentation of the new account with XX as listed on the final 1003. Need documentation of the balance and payment amounts. | 08/27/2024 | Low LTV/CLTV/HCLTV - 68.86% CLTV is below 85% maximum per guidelines.; Verified credit history - 732 Credit score exceeds minimum 680 required per guidelines.; | 8/22/2024 - Exception is cleared with the attached page from the fraud report that documents the new liability. CRED 0086 Exception Cleared; | 8/22/2024 - Exception is cleared with the attached page from the fraud report that documents the new liability. CRED 0086 Exception Cleared; - 8/22/2024 - Exception is cleared with the attached page from the fraud report that documents the new liability. CRED 0086 Exception Cleared; | Funded C A |
| 900001197 | XXXX | 1078138 | 08/14/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for CD issued XX/XX/XX for the increase in the XX fee. -- The total amount of Closing Disclosure 10% Category fees ($250.00) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on XX/XX/XX, ($115.00). The total amount of fees in this category cannot exceed ($126.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). |  | Verified employment history - Borrower has been on current job for 22 plus years.; Disposable Income - Borrower has $XX in verified XX income.<br>; | 09/30/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount $XX, and courier receipt to evidence package is in transit and scheduled to be delivered to borrower within 60 days of discovery. | Client: 09/30/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount $XX, and courier receipt to evidence package is in transit and scheduled to be delivered to borrower within 60 days of discovery. | Sold C B |
| 900001120 | XXXX | 1078397 | 08/15/2024 | Credit | Missing Copy of Quit Claim Deed | QCD 0001 | 1 | Closed | REMOVE | 08/16/2024 | Verified employment history - Borrower has been employed with same employer for xxx years. ; Verified housing payment history - 62 combined months of mortgage payment history paid 0x30 per credit report.; Verified credit history - Representative credit score of 756 with oldest open/active trade back to xx/xx and all credit reported as paid 0x30 per credit report. ; Loan Term < or = 15 year - Subject loan term has a 15 year amortization. Guidelines allow up to 30 years. ; |  | 08/15/24 Quit Claim Deed received. - 08/15/24 Quit Claim Deed received. | Funded C A |
| 900001120 | XXXX | 1078400 | 08/15/2024 | Credit | Missing Divorce Decree and/or Separation Agreement | DD 0001 | 1 | Closed | REMOVE | 08/16/2024 | Verified employment history - Borrower has been employed with same employer for xxx years. ; Verified housing payment history - 62 combined months of mortgage payment history paid 0x30 per credit report.; Verified credit history - Representative credit score of 756 with oldest open/active trade back to xx/xx and all credit reported as paid 0x30 per credit report. ; Loan Term < or = 15 year - Subject loan term has a 15 year amortization. Guidelines allow up to 30 years. ; |  | REMOVE - REMOVE | Funded C A |
| 900001165 | XXXX | 1078233 | 08/14/2024 | Compliance | Initial CD Received Date is < 3 business days prior to Consummation Date | TRID 0008 | 1 | Closed | Missing Initial CD disclosed XX/XX/XX per disclosure tracking confirms borrower receipt XX/XX/XX. -- The Initial Closing Disclosure Received Date of (XX/XX/XX) is not three business days before the consummation date of (XX/XX/XX). Three business days before the consummation date is (XX/XX/XX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) | 09/14/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30 for 63 months.; Disposable Income - Borrower has $XX in verified XX income.; |  | 09/03/24 - Initial CD dated XX/XX/XX received. - 09/03/24 - Initial CD dated XX/XX/XX received. | Funded C A |
| 900001145 | XXXX | 1078378 | 08/15/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing Lender final approval. No formal Lender approval located in file. 1008 is in file. | 09/04/2024 | Verified employment history - Borrower has been employed with same employer for 18 years.; Verified housing payment history - 108 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XX in consumer debt eliminating $XX in monthly consumer debt payments.; |  | 09/03/24 - Lender loan approval received. - 09/03/24 - Lender loan approval received. | Funded C A |
| 900001146 | XXXX | 1078413 | 08/15/2024 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 1 | Closed | Missing VVOE dated within 10 days of note date for Borrower 2. | 09/04/2024 | Low DTI - 23.46% DTI is below 50% maximum per guidelines.; Verified credit history - 794 Credit score exceeds minimum 700 required per guidelines.; |  | 09/04/24 - B2 VVOE completed XX/XX/XX received. - 09/04/24 - B2 VVOE completed XX/XX/XX received. | Funded C A |
| 900001134 | XXXX | 1078161 | 08/14/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing ABD or Facts to verify if lender has affiliates. | 08/27/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30 for 57 months.; Verified credit history - 768 Credit score exceeds minimum 700 required per guidelines.; | 8/23/2024 - Lender's privacy disclosure confirms that there are no affiliated business relationships to disclose. eDisclosure tracking confirms the privacy disclosure was delivered to borrower. | 8/23/2024 - Lender's privacy disclosure confirms that there are no affiliated business relationships to disclose. eDisclosure tracking confirms the privacy disclosure was delivered to borrower. - 8/23/2024 - Lender's privacy disclosure confirms that there are no affiliated business relationships to disclose. eDisclosure tracking confirms the privacy disclosure was delivered to borrower. | Funded C A |
| 900001134 | XXXX | 1078177 | 08/14/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | The Prelim CD disclosed APR of 10.92%. Final CD XX/XX/XX APR disclosed 10.578%. Variance is a decrease of 0.342% |  | Verified housing payment history - Borrower has verified mortgage history of 0x30 for 57 months.; Verified credit history - 768 Credit score exceeds minimum 700 required per guidelines.; |  | Client: EV2 Non-Material - APR decreased, benefit to borrower. | Funded C B |
| 900001134 | XXXX | 1079541 | 08/27/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Approved DTI 48.54% / Review DTI 40.82%, variance > 3% due to double counting housing expenses already accounted for in first lien escrow. |  | Verified housing payment history - Borrower has verified mortgage history of 0x30 for 57 months.; Verified credit history - 768 Credit score exceeds minimum 700 required per guidelines.; |  | Mitigated Risk: EV2/B Non-Material. | Funded C B |
| 900001140 | XXXX | 1078299 | 08/15/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing ABD or Facts to verify if lender has affiliates. | 08/27/2024 | Verified housing payment history - 146 combined months of housing payments paid 0x30 per credit report.; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly payments. ; | 8/23/2024 - Exception is cleared with the attached copy of the privacy disclosure confirming lender has no affiliated business relationships to disclose. | 8/23/2024 - Exception is cleared with the attached copy of the privacy disclosure confirming lender has no affiliated business relationships to disclose. - 8/23/2024 - Exception is cleared with the attached copy of the privacy disclosure confirming lender has no affiliated business relationships to disclose. | Funded C A |
| 900001140 | XXXX | 1078498 | 08/16/2024 | Property | Appraisal is Incomplete | APPR 0002 | 2 | Acknowledged | Lender provided Separate Standard VM and Separate Exterior inspection. Per guideline VM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) must be an approved VM provider. |  | Verified housing payment history - 146 combined months of housing payments paid 0x30 per credit report.; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly payments. ; |  | Mitigated Risk: EV2 Non-Material | Funded C B |
| 900001140 | XXXX | 1078500 | 08/16/2024 | Compliance | Lender did not provide a disclosure informing the borrower(s) of their right to receive all written appraisals | COMP 0050 | 1 | Closed | Missing evidence of disclosure of Right to Receive a copy of Appraisal. | 08/21/2024 | Verified housing payment history - 146 combined months of housing payments paid 0x30 per credit report.; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly payments. ; |  | 08/21/24 TPR Error, This regulation is not required for transaction type. - 08/21/24 TPR Error, This regulation is not required for transaction type. | Funded C A |
| 900001140 | XXXX | 1078514 | 08/16/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing most recent two years transcripts for Co-Borrower to confirm XX income used to qualify. | 08/27/2024 | Verified housing payment history - 146 combined months of housing payments paid 0x30 per credit report.; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly payments. ; | 8/27/2024 - Exception is cleared with the attached most recent two years transcripts for B2. | 8/27/2024 - Exception is cleared with the attached most recent two years transcripts for B2. - 8/27/2024 - Exception is cleared with the attached most recent two years transcripts for B2. | Funded C A |
| 900001142 | XXXX | 1078337 | 08/15/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing ABD or Facts to verify if lender has affiliates. | 08/30/2024 | Disposable Income - Residual income $XX, $XX minimum required; Verified employment history - The borrower has been with their current employer for 5 years.; | 8/28/2024 - Exception is cleared with the attached privacy disclosure that confirms lender does not have any affiliated business relationships to disclose.<br>8/23/2024 - Attached underwriter cert doesn't confirm if lender has any affiliated business relationships to disclose. Provide privacy disclosure to evidence no affiliated businesses or lender attestation confirming that there are no affiliated business relationships to disclose, thus no affiliated business disclosure required. | 8/28/2024 - Exception is cleared with the attached privacy disclosure that confirms lender does not have any affiliated business relationships to disclose. - 8/28/2024 - Exception is cleared with the attached privacy disclosure that confirms lender does not have any affiliated business relationships to disclose. | Funded C A |
| 900001142 | XXXX | 1078469 | 08/16/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing final 1008. The 1008 in the file reflects a loan amount of $XX, Note amount is $XX. | 08/21/2024 | Disposable Income - Residual income $XX, $XX minimum required; Verified employment history - The borrower has been with their current employer for 5 years.; |  | 08/20/24 Final 1008 received. - 08/20/24 Final 1008 received. | Funded C A |
| 900001149 | XXXX | 1078273 | 08/14/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing Affiliated Business Disclosure. | 08/27/2024 | Verified reserves - No reserves required, borrowers are receiving 20 plus months or $XX from cash out proceeds.; Verified ownership of subject property - The borrowers have owned the subject property more than 15 years.; | 8/23/2024 - Exception is cleared with the attached privacy disclosure confirming lender does not have any affiliated business relationships to disclose. | 8/23/2024 - Exception is cleared with the attached privacy disclosure confirming lender does not have any affiliated business relationships to disclose. - 8/23/2024 - Exception is cleared with the attached privacy disclosure confirming lender does not have any affiliated business relationships to disclose. | Funded C A |
| 900001149 | XXXX | 1078274 | 08/14/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | H/O Counseling Disclosure not in file. | 08/27/2024 | Verified reserves - No reserves required, borrowers are receiving 20 plus months or $XX from cash out proceeds.; Verified ownership of subject property - The borrowers have owned the subject property more than 15 years.; | 8/23/2024 - Exception is cleared with the attached housing counselor disclosure. | 8/23/2024 - Exception is cleared with the attached housing counselor disclosure. - 8/23/2024 - Exception is cleared with the attached housing counselor disclosure. | Funded C A |
| 900001174 | XXXX | 1078428 | 08/15/2024 | Compliance | All title holders did not execute the Mortgage/DOT | DEED 0037 | 1 | Closed | Provide copy of the deed transferring title from prior second vested owner to subject B1 alone. File documentation shows that the property is intended to be vested by subject B1 alone. Proceeds were to prior other vested owner. Also need Deed transferring title from subject B1 to subject B1 and subject B2 both is required. | 09/16/2024 | Verified employment history - Borrower 1 has 18 plus years on current job.; Verified credit history - Representative credit score of 735 exceeds minimum 700 required per guidelines.; | 09/12/24 - Title to said estate or interest at the date hereof is vested in: subject B1 and first (not subject) mortgage note B2. Copy of Deed from subject B1 and prior vested owner/mortgage note B2 to subject B1 alone recorded XX/XX/XX received (Ref No XX).<br>Copy of Deed from subject B1 to XX recorded XX/XX/XX received (Ref No XX). <br>Copy of Deed from XX to subject B1 and subject B2, recorded XX/XX/XX received (Ref No XX).<br>Final Deed is to borrower(s).<br>8/22/2024 - Exception is partially cleared with the attached Grant, Bargain, Sale Deed transferring title from subject B1 and prior vested owner/mortgage note B2 to subject B1 alone . Still missing deed transferring title from subject B1 to subject B1/B2. | 09/12/24 - Title to said estate or interest at the date hereof is vested in: subject B1 and first (not subject) mortgage note B2. Copy of Deed from subject B1 and prior vested owner/mortgage note B2 to subject B1 alone recorded XX/XX/XX received (Ref No XX).<br>Copy of Deed from subject B1 to XX recorded XX/XX/XX received (Ref No XX). <br>Copy of Deed from XX to subject B1 and subject B2, recorded XX/XX/XX received (Ref No XX).<br>Final Deed is to borrower(s). - 09/12/24 - Title to said estate or interest at the date hereof is vested in: subject B1 and first (not subject) mortgage note B2. Copy of Deed from subject B1 and prior vested owner/mortgage note B2 to subject B1 alone recorded XX/XX/XX received (Ref No XX).<br>Copy of Deed from subject B1 to XX recorded XX/XX/XX received (Ref No XX). <br>Copy of Deed from XX to subject B1 and subject B2, recorded XX/XX/XX received (Ref No XX).<br>Final Deed is to borrower(s). | Funded C A |
| 900001174 | XXXX | 1078755 | 08/20/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Per guidelines, Borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note (exceptions considered on a case-by case basis). B1 is on both mortgage notes. B2 of subject mortgage note is not on the first mortgage note. B2 on the first mortgage note is not on the subject mortgage note. |  | Verified employment history - Borrower 1 has 18 plus years on current job.; Verified credit history - Representative credit score of 735 exceeds minimum 700 required per guidelines.; | 08/21/24 - Copy of investor approved exception received. | Client: Investor Acknowledged Exception | Funded C B |
| 900001198 | XXXX | 1078684 | 08/19/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing valid COC for the increase to the 10% fees. COC just states fees were under disclosed. The changed circumstance is related to eligibility due to higher LTV - it is unclear how this would increase the XX fee(s). Initial LE 10% fees $XX. Final CD 10% fees $XX. -- The total amount of 10% category fees ($978.00) increased by more than 10% from the amount disclosed on the Closing Disclosure sent on XX/XX/XX, ($835.00). The total amount of fees in this category cannot exceed ($918.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). |  | Verified employment history - Borrower has been on current job 8 plus years.; Low DTI - 39.05% DTI is below 45% maximum per guidelines.; | 10/02/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount of $XX and courier receipt to evidence package is in transit within 60 days of discovery.<br>09/30/2024 - Exception is partially cured with the attached PCCD, cover letter, copy of refund check in the amount of $XX and courier receipt. Courier tracking reflects label created. Exception can be downgraded to EV2/B once package is in transit to be delivered to borrower within 60 days of discovery. <br>09/06/2024 - COCs received.<br>\*\* Finding remains, COCs provided reflect reason for updated fees was due to under disclosures which is not a valid reason for change. Total cost to cure fees over the legal limit $XX. | Client: 10/02/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount of $XX and courier receipt to evidence package is in transit within 60 days of discovery. | Sold C B |
| 900001198 | XXXX | 1078685 | 08/19/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | The appraisal does not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified employment history - Borrower has been on current job 8 plus years.; Low DTI - 39.05% DTI is below 45% maximum per guidelines.; |  | Client: EV2/B Non-Material | Sold C B |
| 900001198 | XXXX | 1083568 | 09/30/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing post disaster inspection report. Subject is in XX which was a declared disaster area as of XX/XX/XX. | 10/04/2024 | Verified employment history - Borrower has been on current job 8 plus years.; Low DTI - 39.05% DTI is below 45% maximum per guidelines.; |  | 10/03/24 - PDI dated XX/XX/XX received. No damage noted. No repairs required - 10/03/24 - PDI dated XX/XX/XX received. No damage noted. No repairs required | Sold C A |
| 900001257 | XXXX | 1078736 | 08/20/2024 | Compliance | Affiliated Business Disclosure Is Not Executed | COMP 0036 | 1 | Closed | Missing initial Affiliated Business Disclosure executed by the borrowers. The only executed copy was signed at closing. An affiliate, was used on the transaction. | 11/12/2024 | Verified employment history - Borrower has been employed for 43+ years with same employer.; Verified housing payment history - 116 combined months of mortgage payments paid 0x30 per credit report. ; | 11/08/2024 - Exception is cleared with the attached copy of the borrower signed ABD issued at application. | 11/08/2024 - Exception is cleared with the attached copy of the borrower signed ABD issued at application. - 11/08/2024 - Exception is cleared with the attached copy of the borrower signed ABD issued at application. | Funded B A |
| 900001257 | XXXX | 1078766 | 08/20/2024 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Hazard insurance in the file expires within a month after disbursement. Policy reflects mortgage with (lender). Missing renewal policy. | 10/21/2024 | Verified employment history - Borrower has been employed for 43+ years with same employer.; Verified housing payment history - 116 combined months of mortgage payments paid 0x30 per credit report. ; | 10/18/2024 - Exception is cleared with the attached hazard insurance renewal.<br>9/27/2024 - Response from lender, "Hello, Per team the Note date is (date) so we have sufficient Insurance coverage and it didnt expire within 30 days. Could you review and confirm? Thank you!"<br>\*\*Finding remains, Disbursement date of the loan (date), hazard insurance expires (date), less than 30 days after disbursement. | 10/18/2024 - Exception is cleared with the attached hazard insurance renewal.<br>- 10/18/2024 - Exception is cleared with the attached hazard insurance renewal. | Funded C A |
| 900001257 | XXXX | 1078767 | 08/20/2024 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | Missing valid COCs for the specified fee increases. -- A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($85.50) were applied to the total fee variance of ($306.24) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. |  | Verified employment history - Borrower has been employed for 43+ years with same employer.; Verified housing payment history - 116 combined months of mortgage payments paid 0x30 per credit report. ; | 10/17/2024 - Exception is downgraded to EV2/B with the attached PCCD, LOE, and evidence of principal reduction completed within 60 days from discovery. NOTE: Evidence of trackable delivery not required due to principal reduction. US Mailbox Rule to be applied.<br>10/14/2024 - Recd evidence of principal reduction of $XX on XX/XX/XX. -- Finding remains. Missing PCCD with cover letter. <br>9/27/2024 - Response from lender, "Hello, We agree with this condition. Could you confirm the total amount that needs to be cured. And this must be done by Principal Reduction correct?"<br>\*\*Increase to XX Fee $XX, addition to XX fee $XX, increase to XX fee that exceeds the 10% tolerance $XX. Total cure $XX. Exception remains material pending cure documentation including PCCD, LOE, copy of refund/evidence of principal reduction, and evidence of delivery. | Client: 0/17/2024 - Exception is downgraded to EV2/B with the attached PCCD, LOE, and evidence of principal reduction completed within 60 days from discovery. NOTE: Evidence of trackable delivery not required due to principal reduction. US Mailbox Rule to be applied. | Funded C B |
| 900001257 | XXXX | 1078770 | 08/20/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | The borrower paid for a XX Fee at closing, no XX in the file. | 09/27/2024 | Verified employment history - Borrower has been employed for 43+ years with same employer.; Verified housing payment history - 116 combined months of mortgage payments paid 0x30 per credit report. ; |  | 9/27/2024 - XX item paid for at closing recd. - 9/27/2024 - XX item paid for at closing recd. | Funded C A |
| 900001227 | XXXX | 1078635 | 08/19/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. 1008 is not signed. | 09/13/2024 | Verified housing payment history - 137 combined mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off debts totaling $XX eliminating $XX in monthly payments. ; |  | 09/11/24 - Lender loan approval received. - 09/11/24 - Lender loan approval received. | Funded D A |
| 900001227 | XXXX | 1078640 | 08/19/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Missing borrower executed title Closing Affidavit and Agreement - Owner Refinance; XX exception included. | 10/08/2024 | Verified housing payment history - 137 combined mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off debts totaling $XX eliminating $XX in monthly payments. ; | 10/07/2024 - Exception is cleared with the attached executed Closing Affidavit and Agreement - Owner Refinance. | 10/07/2024 - Exception is cleared with the attached executed Closing Affidavit and Agreement - Owner Refinance. - 10/07/2024 - Exception is cleared with the attached executed Closing Affidavit and Agreement - Owner Refinance. | Funded C A |
| 900001155 | XXXX | 1078810 | 08/20/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Loan is an HPML, Appraisal in file does not disclose the Certification that the Appraisal was completed in accordance with Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations |  | Verified employment history - Borrower has been employed with same employer for 30+ years on primary job and 5+ years on secondary. Co-borrower has been employed for 4+ years. ; Verified housing payment history - 60 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in total consumer debt eliminating $XX in monthly payments. ; Verified reserves - 47 months reserves remain after closing based on cash out proceeds. Guidelines require 2 months.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001170 | XXXX | 1079047 | 08/22/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing Lender Approval document, the file only contains a 1008. | 09/12/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30 for 44 months; which exceeds minimum required 24 months.; Low DTI - 19.50% DTI is below 45% maximum per guidelines.; | 9/11/2024 - Exception is cleared with the attached underwriting conditional approval. | 9/11/2024 - Exception is cleared with the attached underwriting conditional approval. - 9/11/2024 - Exception is cleared with the attached underwriting conditional approval. | Funded C A |
| 900001170 | XXXX | 1079052 | 08/22/2024 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Missing Notice of Right to Cancel signed by the borrower/vested title holder. | 09/12/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30 for 44 months; which exceeds minimum required 24 months.; Low DTI - 19.50% DTI is below 45% maximum per guidelines.; | 9/11/2024 - Exception is cleared with the attached borrower signed ROR. | 9/11/2024 - Exception is cleared with the attached borrower signed ROR. - 9/11/2024 - Exception is cleared with the attached borrower signed ROR. | Funded C A |
| 900001178 | XXXX | 1079089 | 08/22/2024 | Compliance | Zero Tolerance Fee Violation | COMP 0027 | 2 | Acknowledged | Missing COC for the addition of the XX fee of $XX. It is noted on the COC dated XX/XX/XX, but form does not provide a changed circumstance that required the XX fee. |  | Low DTI - 38.03% DTI is below maximum 50% per guidelines.; Disposable Income - Borrower has $XX in verified XX income.; |  | Client: 09/11/24 - COC received. Finding cleared upon re-submission. | Funded C B |
| 900001226 | XXXX | 1079642 | 08/28/2024 | Credit | CLTV Exceeds Max Allowed | CRED 0012 | 1 | Closed | 87.23% CLTV exceeds maximum 85% per guidelines. First lien balance of $XX + $XX second lien / $XX value is 87.23%. | 10/09/2024 | Low DTI - 32.13% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower has 7 plus years on current job.; | 10/09/2024 - Attached post-consummation dated billing statement reflects a principal reduction of $XX prior to closing. Applying the $XX principal reduction to the balance documented in file reduced the CLTV to 85%.<br>10/07/2024 - "They need to review the bank statements that were provided to show the borrower paid down the principle balance prior to COE to meet the LTV requirements." -- Finding remains. Missing credit supplement, updated VOM, or mortgage statement evidencing that the 1ast lien was paid down prior to closing. VOM completed XX/XX/XX reflects a balance of $XX.<br>09/30/2024 - Attached address LOE is insufficient to satisfy this exception. Missing investor approval for LTV > 85%. | 10/09/2024 - Attached post-consummation dated billing statement reflects a principal reduction of $XX prior to closing. Applying the $XX principal reduction to the balance documented in file reduced the CLTV to 85%.<br>- 10/09/2024 - Attached post-consummation dated billing statement reflects a principal reduction of $XX prior to closing. Applying the $XX principal reduction to the balance documented in file reduced the CLTV to 85%. | Funded C A |
| 900001342 | XXXX | 1079499 | 08/27/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. | 09/19/2024 | Verified employment history - Borrower has been employed with same employer for xxx years. ; Verified housing payment history - 81 combined months of mortgage pay history paid 0x30 per credit report.; | 9/17/2024 - Exception is cleared with the attached underwriting conditional approval. | 9/17/2024 - Exception is cleared with the attached underwriting conditional approval. - 9/17/2024 - Exception is cleared with the attached underwriting conditional approval. | Funded D A |
| 900001342 | XXXX | 1079502 | 08/27/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 2 | Acknowledged | Schedule B exceptions not addressed:<br>Missing survey affidavit (5.D), Solar (7-8), and Simple Revocable Transfer on Death (9). |  | Verified employment history - Borrower has been employed with same employer for xxx years. ; Verified housing payment history - 81 combined months of mortgage pay history paid 0x30 per credit report.; | 12/27/2024 - Investor acknowledged exception.<br>11/11/2024 - Recd Residential Solar Power Purchase Agreement, which meets (agency) selling guides requirements.<br>--Escalated to investor for review, Title B Exception - Simple Revocable Transfer on Death.<br>10/14/2024 - "Hello, Can you see the email and draft CD provided from Title." -- Finding remains. <br>- Appraiser does not address solar. <br>- It is unknown if solar is owned, leased, or separately financed. No solar contract provided.<br>- Title exceptions 10 and 11 for Independent Solar Producer contract. <br>Status of solar to be confirmed. <br>Missing investor acknowledgement for Transfer on Death title exception.<br>10/04/2024 - "We do not have any solar items on this prelim. Copy attached. Item #10 is an SI requirement. Which wouldn't show on the policy. Regarding item #9- see attached from (lender). This is not the type of item that would affect lien position. Hope this info helps. If not, let me know and I Can reach out to FIN for more info." -- Refer to attached Schedule B #7-8. Appraiser does not address solar. Solar agreement not in file. Per title agent, I believe we sent with the preliminary report a Revocation Transfer on Death Deed. If lender does not want to this item to show in their policy, we will need to recorded a completed Revocation Transfer on Death deed. Investor to confirm if acceptable.<br>9/18/2024 - Recd Alta Short Form Loan Policy. -- Schedule B Solar exceptions 10-11 not satisfactorily addressed. Appraiser does not address solar. Solar agreement not in file. Title agent to confirm exception 12 Simple Revocable Transfer on Death Deed does not negatively impact lender's 2nd lien position. | Client: 12/27/2024 - Investor acknowledged exception. | Funded C B |
| 900001342 | XXXX | 1079518 | 08/27/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified employment history - Borrower has been employed with same employer for xxx years. ; Verified housing payment history - 81 combined months of mortgage pay history paid 0x30 per credit report.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001169 | XXXX | 1079544 | 08/27/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Affiliated Business Disclosure/Facts not in file. Missing privacy disclosure to verify if the lender has any affiliated business relationships to disclose - or- lender attestation that there are no affiliated business relationships to disclose. | 09/06/2024 | Verified employment history - The borrower has been with their current employer since 2012. 1st mortgage is with the borrower's employer.; Verified reserves - Reserves required $XX, borrower is receiving $XX in cash out proceeds.; |  | ABD executed by borrower XX/XX/XX received. - ABD executed by borrower XX/XX/XX received. | Funded C A |
| 900001169 | XXXX | 1079578 | 08/27/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified employment history - The borrower has been with their current employer since 2012. 1st mortgage is with the borrower's employer.; Verified reserves - Reserves required $XX, borrower is receiving $XX in cash out proceeds.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001169 | XXXX | 1080899 | 09/06/2024 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | The loan fees ($XX) exceed the (FED2014) (Note Amount >=$26,092.00) fee limit, which is 5% of the Total Loan Amount ($XX), the difference is ($XX). (12 CFR 1026.32). | 09/20/2024 | Verified employment history - The borrower has been with their current employer since 2012. 1st mortgage is with the borrower's employer.; Verified reserves - Reserves required $XX, borrower is receiving $XX in cash out proceeds.; | 09/03/24 - ABD received, Payee updated and compliance cleared upon resubmission. | 09/03/24 - ABD received, Payee updated and compliance cleared upon resubmission. - 09/03/24 - ABD received, Payee updated and compliance cleared upon resubmission. | Funded C A |
| 900001169 | XXXX | 1080900 | 09/06/2024 | Compliance | Affiliated Business Disclosure Not Provided Within 3 Business Days of Application | COMP 0035 | 1 | Closed | 09/06/24 - ABD executed by borrower <br>09/03/24 - Provided via stips. Missing ABD issued with initial disclosures. | 09/20/2024 | Verified employment history - The borrower has been with their current employer since 2012. 1st mortgage is with the borrower's employer.; Verified reserves - Reserves required $XX, borrower is receiving $XX in cash out proceeds.; | 9/20/2024 - Originating lender confirms that there are no affiliated business relationships to disclose, thus no ABD required. | 9/20/2024 - Originating lender confirms that there are no affiliated business relationships to disclose, thus no ABD required. - 9/20/2024 - Originating lender confirms that there are no affiliated business relationships to disclose, thus no ABD required. | Funded B A |
| 900001182 | XXXX | 1079661 | 08/28/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Borrowers bank statement in file reflects multiple deposits for (3rd party) payments. No additional REO was reflected as owned by borrower or co-borrower on their 1003s. Unable to determine the source of the (3rd party) payments. Subject property is indicated to be owner occupied. | 09/19/2024 | Low LTV/CLTV/HCLTV - Low CLTV of 38.96% when guidelines allow up to 85%.; Verified housing payment history - 126 combined months of mortgage history paid 0x30 per credit report. ; | 09/18/2024 - Recd borrower signed letter of explanation addressing the deposits for temporary XX income being from a XX. Review confirms circumstances backing up borrower LOE. No indication in file that the borrower is not occupying the property.<br>9/4/2024 - Borrower XX income is reflected on the most recent two years personal returns (Schedule XX), that is related to the deposits noted in the bank statement. No XX income is being used from the schedule of the returns (for B1). Please accept. -- Partially agree, missing borrower letter of explanation or email correspondence confirming details of deposits from XX income. Most recent two years Schedule XX reflects contradictions with statement from borrower. | 09/18/2024 - Recd borrower signed letter of explanation addressing the deposits for temporary XX income being from a XX. Review confirms circumstances backing up borrower LOE. No indication in file that the borrower is not occupying the property. - 09/18/2024 - Recd borrower signed letter of explanation addressing the deposits for temporary XX income being from a XX. Review confirms circumstances backing up borrower LOE. No indication in file that the borrower is not occupying the property. | Funded C A |
| 900001183 | XXXX | 1079342 | 08/26/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender approval, only the 1008 is in the file. | 09/04/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x82 which exceeds minimum required 0x30x24.; Verified credit history - 817 Credit score exceeds minimum required 680 per guidelines.; |  | 08/20/24 - Lender loan approval received. - 08/20/24 - Lender loan approval received. | Funded D A |
| 900001183 | XXXX | 1079343 | 08/26/2024 | Compliance | Mortgage/Deed of Trust is Incomplete | DEED 0049 | 1 | Closed | Missing Mortgage/Deed of Trust from the file, only the Mortgage Rider is available. | 09/04/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x82 which exceeds minimum required 0x30x24.; Verified credit history - 817 Credit score exceeds minimum required 680 per guidelines.; |  | 08/30/24 - Copy of DOT received. - 08/30/24 - Copy of DOT received. | Funded C A |
| 900001183 | XXXX | 1079344 | 08/26/2024 | Credit | Missing Copy of Quit Claim Deed | QCD 0001 | 1 | Closed | Missing executed Quit Claim Deed updating the borrower's name change. The copy in the file is not signed and notarized. Required by the title commitment Schedule B. | 09/04/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x82 which exceeds minimum required 0x30x24.; Verified credit history - 817 Credit score exceeds minimum required 680 per guidelines.; |  | 08/30/24 - Copy of QCD received. - 08/30/24 - Copy of QCD received. | Funded C A |
| 900001183 | XXXX | 1079348 | 08/26/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | The final CD reflects a XX fee of $XX paid outside of closing, however the file only contains a XX fee of $XX (lower). | 09/14/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x82 which exceeds minimum required 0x30x24.; Verified credit history - 817 Credit score exceeds minimum required 680 per guidelines.; |  | 09/11/24 - Copy of CD executed XX/XX/XX received with copy of final settlement statement reflecting credit to borrower for XX fee. - 09/11/24 - Copy of CD executed XX/XX/XX received with copy of final settlement statement reflecting credit to borrower for XX fee. | Funded C A |
| 900001156 | XXXX | 1079480 | 08/27/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender approval, only the 1008 is in the file. | 09/04/2024 | Low LTV/CLTV/HCLTV - 41.03% CLTV is below 85% maximum per guidelines.; Verified credit history - 767 Credit score exceeds minimum 680 per guidelines.; |  | 08/30/24 Lender loan approval received. - 08/30/24 Lender loan approval received. | Funded D A |
| 900001156 | XXXX | 1079788 | 08/28/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Escrow section does not indicate why there was no escrow account. |  | Low LTV/CLTV/HCLTV - 41.03% CLTV is below 85% maximum per guidelines.; Verified credit history - 767 Credit score exceeds minimum 680 per guidelines.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001161 | XXXX | 1079546 | 08/27/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Estimated Property Costs over Year 1 Are Not Accurate. It appears the lender used HOA dues of $XX/month, however per the HOA statement shows they are $XX/month. Review calculated $XX monthly, 12 months $XX, 11 months $XX. $XX was disclosed.<br>| 09/12/2024 | Low LTV/CLTV/HCLTV - 66.15% CLTV is less than 85% maximum per guidelines.; Verified employment history - Borrower has been on current job 34 plus years.; | 8/29/2024 - Recd an updated 1008 qualifying the borrower with the greater HOA payment. CD disclosed 11 Months property costs using the documented HOA Fee from the VM report. | 8/29/2024 - Recd an updated 1008 qualifying the borrower with the greater HOA payment. CD disclosed 11 Months property costs using the documented HOA Fee from the VM report. - 8/29/2024 - Recd an updated 1008 qualifying the borrower with the greater HOA payment. CD disclosed 11 Months property costs using the documented HOA Fee from the VM report. | Funded C A |
| 900001241 | XXXX | 1079589 | 08/27/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for the addition of XX fee for $XX. The COC does not disclose what the changed circumstance was that required this new fee, and no lender credit to offset. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on XX/XX/XX: XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). |  | Low DTI - 28.87% DTI is below 45% maximum per guidelines.; Verified credit history - 789 Credit score exceeds minimum 700 required per guidelines.; | 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check, and courier tracking receipt to evidence package is in transit to borrower within 60 days from discovery.<br>10/01/2024 - Attached COC does not provide the reason for the addition of $XX for the XX fee, only that it was completed at cost to borrower.<br>9/26/2024 - Response from lender, "Hello, Going to review this condition today. If agreed to cure can you please confirm the total cure amount for this loan please to make sure we have same results? Thank you!"<br>\*\*Per Mavent total cost to cure $XX. Exception remains material pending cure documentation including PCCD, LOE, copy of refund/evidence of principal reduction, and evidence of delivery. | Client: 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check, and courier tracking receipt to evidence package is in transit to borrower within 60 days from discovery. | Funded C B |
| 900001241 | XXXX | 1079821 | 08/29/2024 | Credit | Unacceptable transaction type | CRED 0044 | 2 | Acknowledged | Guidelines require all signors on the senior lien to match the signors on the subject transaction. Co-borrower on the first lien, is not on the second lien. Approved exception in file. |  | Low DTI - 28.87% DTI is below 45% maximum per guidelines.; Verified credit history - 789 Credit score exceeds minimum 700 required per guidelines.; |  | Client: EV2/B - Investor Acknowledged Exception. | Funded C B |
| 900001241 | XXXX | 1079898 | 08/29/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI 28.87% / Approved DTI 25.46%, Variance > 3%. Difference due to review using the greater escrowed payment from first mortgage. |  | Low DTI - 28.87% DTI is below 45% maximum per guidelines.; Verified credit history - 789 Credit score exceeds minimum 700 required per guidelines.; |  | Client: EV2/B Non-Material (Max 45%). | Funded C B |
| 900001241 | XXXX | 1083567 | 09/30/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing post disaster inspection report. Subject is in a declared disaster area as of XX/XX/XX. | 10/21/2024 | Low DTI - 28.87% DTI is below 45% maximum per guidelines.; Verified credit history - 789 Credit score exceeds minimum 700 required per guidelines.; | 10/17/2024 - Exception is cleared with the attached disaster inspection report confirming no damage. | 10/17/2024 - Exception is cleared with the attached disaster inspection report confirming no damage. - 10/17/2024 - Exception is cleared with the attached disaster inspection report confirming no damage. | Funded C A |
| 900001173 | XXXX | 1079632 | 08/27/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval is not in file. Only the 1008 is provided. | 09/04/2024 | Verified reserves - No reserves required, borrowers are receiving $XX or 61.44 months reserves in cash out proceeds.; Verified credit history - FICO 794, minimum score required is 700.; Verified employment history - Both borrowers have 5+ years history with their current employment.; |  | 09/03/24 - Lender loan approval received. - 09/03/24 - Lender loan approval received. | Funded D A |
| 900001173 | XXXX | 1079861 | 08/29/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | The final CD reflects the hazard insurance is escrowed on the subject loan, however it appears the hazard insurance is already escrowed on the 1st mortgage. <br>|  | Verified reserves - No reserves required, borrowers are receiving $XX or 61.44 months reserves in cash out proceeds.; Verified credit history - FICO 794, minimum score required is 700.; Verified employment history - Both borrowers have 5+ years history with their current employment.; | 9/5/2024 - Exception is downgraded to EV2/B with the attached PCCD and cover letter; escrow was removed and property costs over year 1 disclosed. US Mailbox Rule to be applied. | Client: 9/5/2024 - Exception is downgraded to EV2/B with the attached PCCD and cover letter; escrow was removed and property costs over year 1 disclosed. US Mailbox Rule to be applied. | Funded C B |
| 900001173 | XXXX | 1079865 | 08/29/2024 | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 1 | Closed | Hazard insurance coverage is $XX < replacement cost $XX. | 09/18/2024 | Verified reserves - No reserves required, borrowers are receiving $XX or 61.44 months reserves in cash out proceeds.; Verified credit history - FICO 794, minimum score required is 700.; Verified employment history - Both borrowers have 5+ years history with their current employment.; | 9/18/2024 - Exception is cleared with the attached copy of the homeowners policy declarations evidencing coverage includes replacement cost coverage up to 150%. | Exception is cleared with the attached copy of the homeowners policy declarations evidencing coverage includes replacement cost coverage up to 150%. - Exception is cleared with the attached copy of the homeowners policy declarations evidencing coverage includes replacement cost coverage up to 150%. | Funded C A |
| 900001204 | XXXX | 1079699 | 08/28/2024 | Compliance | Initial CD Received Date is < 3 business days prior to Consummation Date | TRID 0008 | 1 | Closed | Initial CD listed on the tracking is not in file. -- The Initial Closing Disclosure Received Date of XX/XX/XX is not three business days before the consummation date of XX/XX/XX. Three business days before the consummation date is XX/XX/XX. Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) | 10/01/2024 | Established credit history - Open and active credit dates back 19 years with no reported lates.; Verified reserves - No reserves required, borrowers are receiving $XX or 40 plus months PITIA reserves in cash out proceeds.; | 09/27/2024 - Recd initial CD. | 09/27/2024 - Recd initial CD. - 09/27/2024 - Recd initial CD. | Sold C A |
| 900001205 | XXXX | 1079789 | 08/28/2024 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal Description not attached to or contained within mortgage. Document states it is attached as Exhibit A, but no Exhibit A included in the file.<br>| 09/06/2024 | Verified employment history - Both borrowers have been with their current employers for 10+ years.; Verified reserves - No reserves required, borrowers are receiving 17 plus months PITIA reserves in cash out proceeds.; Low DTI - DTI is 35%, borrowers qualify for up to 50%; |  | 09/04/24 - Copy of recorded mortgage with Ex A attached received. - 09/04/24 - Copy of recorded mortgage with Ex A attached received. | Sold C A |
| 900001205 | XXXX | 1079794 | 08/28/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Disclosed Escrow estimate is missing reason not escrow. |  | Verified employment history - Both borrowers have been with their current employers for 10+ years.; Verified reserves - No reserves required, borrowers are receiving 17 plus months PITIA reserves in cash out proceeds.; Low DTI - DTI is 35%, borrowers qualify for up to 50%; |  | Client: EV2/B Non-Material | Sold C B |
| 900001205 | XXXX | 1079951 | 08/29/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender approval, only the 1008 is in the file. | 09/06/2024 | Verified employment history - Both borrowers have been with their current employers for 10+ years.; Verified reserves - No reserves required, borrowers are receiving 17 plus months PITIA reserves in cash out proceeds.; Low DTI - DTI is 35%, borrowers qualify for up to 50%; |  | 09/04/24 - Lender loan approval received. - 09/04/24 - Lender loan approval received. | Sold D A |
| 900001205 | XXXX | 1079977 | 08/30/2024 | Compliance | Fee Naming Convention is inconsistent and/or does not meet the Clear and Conspicuous standard (12 CFR 1026.38(h)(4)) | TRID 0152 | 1 | Closed | Payee missing from XX Fee on CD issued XX/XX/XX. | 09/06/2024 | Verified employment history - Both borrowers have been with their current employers for 10+ years.; Verified reserves - No reserves required, borrowers are receiving 17 plus months PITIA reserves in cash out proceeds.; Low DTI - DTI is 35%, borrowers qualify for up to 50%; |  | 09/04/24 - Final CD dated XX/XX/XX received. Payee was reflected (Dry Funding state). - 09/04/24 - Final CD dated XX/XX/XX received. Payee was reflected (Dry Funding state). | Sold C A |
| 900001205 | XXXX | 1080940 | 09/06/2024 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | PC CD dated XX/XX/XX received with LOE to borrower. CD reflects a lender credit of $XX however, the credit was not given to the borrower at the time of closing per the estimated settlement statement. Settlement statement reflects a credit of $XX. Missing copy of final settlement statement to verify of refund credit of $XX was applied at closing OR Copy of check to the borrower for the difference of $XX, with proof of trackable delivery. |  | Verified employment history - Both borrowers have been with their current employers for 10+ years.; Verified reserves - No reserves required, borrowers are receiving 17 plus months PITIA reserves in cash out proceeds.; Low DTI - DTI is 35%, borrowers qualify for up to 50%; | 09/30/2024 - Exception is downgraded to EV2/B with the attached copy of the canceled refund check of $XX.<br>09/09/24 - Copy of refund check dated XX/XX/XX in the amount of $XX w/LOE that refund check was mailed USPS on XX/XX/XX received. <br>\*\*Finding remains, since refund was not issued at closing and was sent via a non-trackable delivery, must have documentation to evidence lender check has cleared. | Client: Exception is downgraded to EV2/B with the attached copy of the canceled refund check of $XX. | Sold C B |
| 900001259 | XXXX | 1079796 | 08/28/2024 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Missing B2 initial app. B2 added after original application was submitted. | 11/07/2024 | Verified housing payment history - Borrowers have verified mortgage history of 0x30 for 45 months which exceeds minimum 24 months required by guidelines.; Verified credit history - 747 Credit score exceeds minimum 700 required per guidelines.; | 11/01/2024 - Exception is cleared with the attached post-consummation signed initial 1003 for B2.<br>10/11/2024 - "I see both (B2) and (B1) signatures provided. Can you please re-review the last upload." -- Finding remains. Signed final 1003 presented. Missing B2 signed initial 1003.<br>10/09/2024 - Recd copies of the final 1003. Missing is a copy of B2 executed initial 1003.<br>09/27/2024 - Attached B2 1003 is not executed. | 11/01/2024 - Exception is cleared with the attached post-consummation signed initial 1003 for B2. - 11/01/2024 - Exception is cleared with the attached post-consummation signed initial 1003 for B2. | Funded C A |
| 900001259 | XXXX | 1079963 | 08/30/2024 | Credit | Potential credit depth risk - Minimum Number of Tradelines is less than 3 | CRED 0098 | 1 | Closed | Missing credit report for Borrower 2; Credit report in file is only for Borrower 1. | 10/09/2024 | Verified housing payment history - Borrowers have verified mortgage history of 0x30 for 45 months which exceeds minimum 24 months required by guidelines.; Verified credit history - 747 Credit score exceeds minimum 700 required per guidelines.; | 10/09/2024 - Exception is cleared with the attached joint credit report.<br>10/04/2024 - "Per team it was a Joint Credit report." -- Credit report presented XX/XX/XX is only for B1.<br>09/27/2024 - Attached credit report is for B1. Missing is the credit report for B2. | 10/09/2024 - Exception is cleared with the attached joint credit report. - 10/09/2024 - Exception is cleared with the attached joint credit report. | Funded C A |
| 900001230 | XXXX | 1080822 | 09/06/2024 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing PUD Rider. Per the title subject is a PUD. Evidence of HOA dues documented in file. | 09/20/2024 | Verified employment history - Borrower has been on current job 10 plus years.; Low DTI - 35.75% DTI is below 50% maximum per guidelines.; | 9/19/2024 - Recd executed PUD rider with letter of intent to re-record. | 9/19/2024 - Recd executed PUD rider with letter of intent to re-record. - 9/19/2024 - Recd executed PUD rider with letter of intent to re-record. | Funded C A |
| 900001260 | XXXX | 1080061 | 08/30/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified occupancy in subject property - Borrowers have owned subject property 6 plus years.; Verified credit history - 775 Credit score exceeds minimum 700 required by guidelines.; |  | Client: EV2 Non-Material | Funded C B |
| 900001260 | XXXX | 1080191 | 09/03/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing documentation of current receipt of XX. XX documentation in file is from XXXX. |  | Verified occupancy in subject property - Borrowers have owned subject property 6 plus years.; Verified credit history - 775 Credit score exceeds minimum 700 required by guidelines.; | 11/05/2024 - Attached post-consummation dated COE and bank statement are accepted in support of XX in file that was stale-dated.<br>09/27/2024 - Posted response is insufficient to satisfy the exception \*\* Finding remains. Missing evidence of current receipt. XX verification is not provided. XX does not indicate reason for XX. Further, XX statement indicates the amount is based on XX dependent(s). Borrowers application reflects XX dependent(s). XX statement does not confirm XX years continuance. Document the borrower's receipt of XX with a XX or XX from XX. Verify that the XX income can be expected to continue for a minimum of XX years from the date of the mortgage application. | Mitigated Risk: 11/05/2024 - Attached post-consummation dated COE and bank statement are accepted in support of XX in file that was stale-dated. | Funded C B |
| 900001186 | XXXX | 1080077 | 08/30/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. Used 1008 for ratios. | 09/12/2024 | Verified credit history - 778 Credit score exceeds minimum 700 per guidelines.; Disposable Income - Borrower has $XX in verified XX income.; | 9/6/2024 - Exception is cleared with the attached copy of the conditional approval. | 9/6/2024 - Exception is cleared with the attached copy of the conditional approval. - 9/6/2024 - Exception is cleared with the attached copy of the conditional approval. | Funded D A |
| 900001245 | XXXX | 1080095 | 09/01/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing valid COC for increase to XX fee. Final LE disclosed XX fee in the amount of $XX. PCCD disclosed XX fee in the amount of $XX no cure given. |  | Verified ownership of subject property - The borrower has owned the subject property for plus 25 years.; Low LTV/CLTV/HCLTV - CLTV is 47.15%.; Verified reserves - No reserves required, borrowers have $XX or 15 months considering XX and cash out proceeds.; | 10/18/2024 - Exception downgraded to EV2/B with the attached PCCD, copy of refund $XX, cover letter, and courier tracking receipt to evidence delivery to borrower completed within 60 days from discovery.<br>10/01/2024 - Attached COC does not provide the reason for the increase to XX fee. COC has to provide a valid reason for the change applicable to this fee.<br>9/26/2024 - Response from lender, "Hello, Going to review this condition today. If agreed to cure can you please confirm the total cure amount for this loan please to make sure we have same results? Thank you!"<br>\*\*Confirmed, total cure amount is $XX. Exception remains material pending cure documentation including PCCD, LOE, copy of refund/evidence of principal reduction, and evidence of delivery.<br>| Client: 10/18/2024 - Exception downgraded to EV2/B with the attached PCCD, copy of refund $XX, cover letter, and courier tracking receipt to evidence delivery to borrower completed within 60 days from discovery. | Funded C B |
| 900001245 | XXXX | 1080250 | 09/03/2024 | Property | Appraisal Discrepancy | APPR 0076 | 2 | Acknowledged | The Exterior Inspection reflects the property is in a PUD. No HOA dues are disclosed in the report. Per title, the subject is a single family residence with no indication of a PUD. |  | Verified ownership of subject property - The borrower has owned the subject property for plus 25 years.; Low LTV/CLTV/HCLTV - CLTV is 47.15%.; Verified reserves - No reserves required, borrowers have $XX or 15 months considering XX and cash out proceeds.; |  | Mitigated Risk: EV2 Non-Material- Title confirms the property is not a PUD. | Funded C B |
| 900001168 | XXXX | 1080252 | 09/03/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing confirmation from lender if they have any affiliates. No ABD or FACTS disclosure located in file. | 09/06/2024 | Low LTV/CLTV/HCLTV - 28.26% CLTV is below maximum 80% per guidelines.; Verified liquid assets and/or savings history - Borrowers have verified monthly PITI reserves of 17 plus months, guidelines do not require reserves on this loan.; |  | 09/05/24 - FACTS disclosure received confirming lender has no affiliates. - 09/05/24 - FACTS disclosure received confirming lender has no affiliates. | Funded C A |
| 900001168 | XXXX | 1080253 | 09/03/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Missing copy of the Housing Counselors Near You disclosure sent to the borrower XX/XX/XX per the disclosure tracking. | 09/06/2024 | Low LTV/CLTV/HCLTV - 28.26% CLTV is below maximum 80% per guidelines.; Verified liquid assets and/or savings history - Borrowers have verified monthly PITI reserves of 17 plus months, guidelines do not require reserves on this loan.; |  | 09/05/24 - Homeownership Counseling Disclosure received. - 09/05/24 - Homeownership Counseling Disclosure received. | Funded C A |
| 900001168 | XXXX | 1080286 | 09/03/2024 | Compliance | Corrected Closing Disclosure No Later Than 3 Business Days Before Consummation (Inaccurate APR)(Regular) | TRID 0003 | 2 | Acknowledged | Prelim CD dated XX/XX/XX disclosed 20 year loan term and an APR of 9.938%. Final CD dated XX/XX/XX disclosed 30 year loan term with an APR of 9.717%. Variance is 0.221. |  | Low LTV/CLTV/HCLTV - 28.26% CLTV is below maximum 80% per guidelines.; Verified liquid assets and/or savings history - Borrowers have verified monthly PITI reserves of 17 plus months, guidelines do not require reserves on this loan.; |  | Client: EV2 Non-Material, APR Decreased, benefit to borrower. | Funded C B |
| 900001168 | XXXX | 1080529 | 09/04/2024 | Compliance | Missing Net-tangible Benefit worksheet | NTB 0001 | 1 | Closed | Missing copy of the state required Net-tangible Benefit worksheet. | 09/06/2024 | Low LTV/CLTV/HCLTV - 28.26% CLTV is below maximum 80% per guidelines.; Verified liquid assets and/or savings history - Borrowers have verified monthly PITI reserves of 17 plus months, guidelines do not require reserves on this loan.; |  | 09/05/24 - Borrower executed NTB disclosure received. - 09/05/24 - Borrower executed NTB disclosure received. | Funded C A |
| 900001168 | XXXX | 1080549 | 09/04/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing required VVOE for Borrower 2 dated within 10 days of Note dated XX/XX/XX. | 09/06/2024 | Low LTV/CLTV/HCLTV - 28.26% CLTV is below maximum 80% per guidelines.; Verified liquid assets and/or savings history - Borrowers have verified monthly PITI reserves of 17 plus months, guidelines do not require reserves on this loan.; |  | 09/06/24 - VVOE completed XX/XX/XX received. - 09/06/24 - VVOE completed XX/XX/XX received. | Funded C A |
| 900001154 | XXXX | 1080360 | 09/03/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Missing copy of the Housing Counselors Near You disclosure provided to borrower(s) on XX/XX/XX per the disclosure tracking. | 09/06/2024 | Verified housing payment history - 167 combined months of mortgage payments paid 0x30 per credit report. Prior Second Lien Mortgage history reflects a history of 0x30 for 15 plus months. ; Verified reserves - 11 months reserves remain after closing when guidelines required 2 months.; Verified credit history - Representative score is 790 with all credit history reported on credit report paid 0x30. ; |  | 09/06/24 - Homeownership Counseling Disclosure received. - 09/06/24 - Homeownership Counseling Disclosure received. | Funded C A |
| 900001154 | XXXX | 1080668 | 09/05/2024 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing evidence that High alert for License/Registration was cleared. | 09/06/2024 | Verified housing payment history - 167 combined months of mortgage payments paid 0x30 per credit report. Prior Second Lien Mortgage history reflects a history of 0x30 for 15 plus months. ; Verified reserves - 11 months reserves remain after closing when guidelines required 2 months.; Verified credit history - Representative score is 790 with all credit history reported on credit report paid 0x30. ; |  | Updated fraud report dated XX/XX/XX received. - Updated fraud report dated XX/XX/XX received. | Funded C A |
| 900001167 | XXXX | 1080617 | 09/05/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing VVOE for Borrower 2 dated within 10 days of the Note dated XX/XX/XX. | 09/13/2024 | Verified credit history - 799 Credit score exceeds minimum 680 per guidelines.; Low DTI - 30.69% DTI is below 50% maximum per guidelines.; |  | 09/06/24 - VVOE for B2 received. - 09/06/24 - VVOE for B2 received. | Funded C A |
| 900001172 | XXXX | 1080451 | 09/04/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Approval. 1008 is in file. | 09/12/2024 | Verified housing payment history - 50 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly payments.; | 9/6/2024 - Exception is cleared with the attached underwriting conditional approval. | 9/6/2024 - Exception is cleared with the attached underwriting conditional approval. - 9/6/2024 - Exception is cleared with the attached underwriting conditional approval. | Funded D A |
| 900001199 | XXXX | 1080798 | 09/06/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Subject property is XX. Per guidelines, XX property allowed with prior approval. Lender acknowledged exception approval in file. Additional requirements for XX property per guidelines also met. |  | Verified housing payment history - 130 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - Both borrowers have long term employment. B1 has been employed for 24 years+ and B2 has been employed for 28 years+. ; |  | Client: Investor Acknowledged Exception | Sold C B |
| 900001199 | XXXX | 1080854 | 09/06/2024 | Credit | Guideline Exception(s) | GIDE 0001 | 1 | Closed | Guideline XX income of $XX not met for DTI exceeding 45%. File DTI is 47.10%. 50% DTI allowed per guidelines with Full Doc (subject is full doc), max 80% CLTV (59.21% CLTV), minimum 720 Fico (Representative Fico score of 738) and $XX in XX income (actual is $XX). No noted Lender acknowledged exception located in file. | 10/04/2024 | Verified housing payment history - 130 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - Both borrowers have long term employment. B1 has been employed for 24 years+ and B2 has been employed for 28 years+. ; | 10/03/24 - Recd from lender: B1 has XX income that can be used in the form XX and XX. I didn't include them at the original UW to be conservative. Please see the new income worksheet and 1008 attached. I used only the XX as the XX income is marked not likely to continue. DTI is now 44.16% | 10/03/24 - Income updated to include XX and XX that was not originally used to qualify. Final DTI 44.16% - 10/03/24 - Income updated to include XX and XX that was not originally used to qualify. Final DTI 44.16% | Sold C A |
| 900001189 | XXXX | 1080751 | 09/05/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified reserves - No reserves required, borrower is receiving 25 plus months PITIA or $XX in cash out proceeds.; |  | Client: EV2 Non-Material | Funded C B |
| 900001189 | XXXX | 1080753 | 09/05/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Final CD dated XX/XX/XX is incomplete. Loan Disclosures, Escrow Account does not state the reason given for not having an escrow account. |  | Verified reserves - No reserves required, borrower is receiving 25 plus months PITIA or $XX in cash out proceeds.; |  | Client: EV2 Non-Material | Funded C B |
| 900001189 | XXXX | 1080885 | 09/06/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing lender loan approval. 1008 was not executed. | 09/13/2024 | Verified reserves - No reserves required, borrower is receiving 25 plus months PITIA or $XX in cash out proceeds.; |  | 09/13/24 - Lender loan approval received. - 09/13/24 - Lender loan approval received. | Funded C A |
| 900001416 | XXXX | 1080829 | 09/06/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Approval not in file. Unsigned 1008. | 10/03/2024 | Verified reserves - No reserves required, borrower is receiving 28.55 months PITIA or $xxx in cash out proceeds.; Verified credit history - FICO 776, minimum required 680; | 10/03/2024 - Exception is cleared with the attached underwriting conditional approval. | 10/03/2024 - Exception is cleared with the attached underwriting conditional approval. - 10/03/2024 - Exception is cleared with the attached underwriting conditional approval. | Funded D A |
| 900001416 | XXXX | 1080850 | 09/06/2024 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | Recording Fee increased from $xxx to $xxx, $xxx more than tolerance allows. -- A Lender Credit for Excess Charges of ($xxx), Principal Reduction for Excess Charges of ($xxx), and general or specific lender credit increases of ($xxx) were applied to the total fee variance of ($xxx) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. |  | Verified reserves - No reserves required, borrower is receiving 28.55 months PITIA or $xxx in cash out proceeds.; Verified credit history - FICO 776, minimum required 680; | 11/07/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, email correspondence, and evidence of principal reduction of $xxx completed within 60 days of discovery. <br>NOTE: Discovery Date xx/xx - Curative Period Expired xx/xx<br>10/25/2024 - Lender is requesting confirmation of cost to cure.<br>Disclosed Charges w/ 10% Tolerance $xxx<br>Allowable Charges $xxx<br>Actual Charges $xxx<br>Tolerance Violation $xxx2 - Disclosed Lender Credit $xxx <br>Cost to Cure $xxx<br>10/08/2024 - "Grant Deed Recording Fee was not disclosed - $xxx added and cure applied." -- Finding Remains. Cure of $xxx was insufficient to satisfy the tolerance violation of $xxx. | Client: 11/07/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, email correspondence, and evidence of principal reduction of $xxx completed within 60 days of discovery. <br>NOTE: Discovery Date xx/xx - Curative Period Expired xx/xx | Funded C B |
| 900001416 | XXXX | 1080936 | 09/06/2024 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Missing initial 1003 signed by the loan originator. Neither the initial nor the final 1003 are signed by the LO. | 10/21/2024 | Verified reserves - No reserves required, borrower is receiving 28.55 months PITIA or $xxx in cash out proceeds.; Verified credit history - FICO 776, minimum required 680; | 10/21/2024 - Exception is cleared with the attached copy of the LO signed initial 1003. | 10/21/2024 - Exception is cleared with the attached copy of the LO signed initial 1003. - 10/21/2024 - Exception is cleared with the attached copy of the LO signed initial 1003. | Funded C A |
| 900001416 | XXXX | 1080982 | 09/06/2024 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Missing letter of explanation addressing reduced hours on the following paystubs: <br>(date) 32 hrs,<br>(date) - 16 hrs<br>(date) - 27.63 hrs. <br>It is noted that the (date) Paystub reflects bereavement leave. Missing confirmation that the borrower will be returning to 40 hrs per wk. | 01/30/2025 | Verified reserves - No reserves required, borrower is receiving 28.55 months PITIA or $xxx in cash out proceeds.; Verified credit history - FICO 776, minimum required 680; | 01/27/2025 - Exception is cleared with the attached post-consummation dated VOE confirming active employment status, pay rate $23.15 hr, and YTD avg > qualifying income. Post-consummation dated paystub (date) confirms 40 hours worked with no additional bereavement and slight increase to personal time taken (stip xx/xx). Bereavement leave is temporary in nature. Seller included mortgage payment history to evidence remittance of the first three payments due to support ability to repay.<br>10/28/2024 - Attached borrower emailed response is insufficient to satisfy the exception, "I (borrower) work full time."<br>-- Finding remains. Missing confirmation from employer of full-time status addressing any permanent or temporary reduction in hours with verification that that the borrower has returned to a full-time 40 hrs per wk schedule. Also missing LOE addressing the circumstance that resulted in the reduced hours with confirmation that the reduction was anticipated to be temporary or permanent in nature.<br>10/11/2024 - "I received an updated paystub showing that the borrower has received a pay increase from $xxx per hour to $xxx per hour. The paystub also indicates that the borrower is working 40 regular hours, in addition to earning other income. However, the underwriter only used the base income to qualify for this loan. As you can see, the paystub confirms that the borrower is back to working his standard hours. Please keep in mind that the income being used to qualify is still based on $xxx per hour for 40 hours." Recd post-consummation dated paystub reflecting 40 hrs regular hours for the pay period and rate increase to $xxx. -- Finding remains. Lender is double counting the hours borrower is compensated shift differential of $xxx/hr an hour. Refer to the original exception, Paystub (date) regular hours 32, (date) regular hours 16, (date) regular hours 3.63 with 24 hours bereavement (total shift pay regular 3.63 + bereavement 24 = shift pay hrs xxx). Missing confirmation from employer of full-time status addressing any permanent or temporary reduction in hours with verification that that the borrower has returned to a full-time 40 hrs per wk schedule. Also missing LOE addressing the circumstance that resulted in the reduced hours with confirmation that the reduction was anticipated to be temporary or permanent in nature.<br>10/08/2024 - Lender posted response is insufficient to satisfy the exception. -- Finding remains. Lender is double counting the hours borrower is compensated shift differential of $xxx/hr an hour. Refer to the original exception, Paystub (date) regular hours 32, (date) regular hours 16, (date) regular hours 3.63 with 24 hours bereavement (total shift pay regular 3.63 + bereavement 24 = shift pay hrs 27.63). Missing confirmation that the borrower will be or has returned to 40 hrs per wk. Also missing LOE addressing the reason for reduced hours. | 01/27/2025 - Exception is cleared with the attached post-consummation dated VOE confirming active employment status, pay rate $xxx hr, and YTD avg > qualifying income. Post-consummation dated paystub xx/xx confirms 40 hours worked with no additional bereavement and slight increase to personal time taken (stip xx/xx). Bereavement leave is temporary in nature. Seller included mortgage payment history to evidence remittance of the first three payments due to support ability to repay. - 01/27/2025 - Exception is cleared with the attached post-consummation dated VOE confirming active employment status, pay rate $xxx hr, and YTD avg > qualifying income. Post-consummation dated paystub xx/xx confirms 40 hours worked with no additional bereavement and slight increase to personal time taken (stip xx/xx). Bereavement leave is temporary in nature. Seller included mortgage payment history to evidence remittance of the first three payments due to support ability to repay. | Funded C A |
| 900001243 | XXXX | 1080984 | 09/09/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Proof the specified XX liens are cleared from title. | 10/21/2024 | Verified housing payment history - 56 combined months of subject mortgage payment history paid 0x30 per credit report plus additional mortgage history paid 0x30 for 46 months reviewed per credit report. ; Verified employment history - Borrower has been employed with current employer for 23 years plus. ; | 10/21/2024 - Exception is cleared with the attached release of liens.<br>10/11/2024 - "Could you confirm what exactly is needed to clear this condition so i can let Title know?" -- Finding remains. Missing proof the specified XX liens have been paid and removed from title.<br>10/09/2024 - "Per Title, "The supplement report was issued based on the attached report dated XX/XX/XX. The deleted exceptions on the supplement correspond to this report." \*\* Finding remains. Supplement eliminated items do not include the liens referenced in the original exception.<br>10/03/2024 - Attached supplement report is dated XX/XX/XX, which is prior to the preliminary report date of XX/XX/XX, liens noted in the exception are not listed on the supplemental report as being eliminated. | 10/21/2024 - Exception is cleared with the attached release of liens. - 10/21/2024 - Exception is cleared with the attached release of liens. | Funded C A |
| 900001228 | XXXX | 1081006 | 09/09/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Lender Approval is missing from file. Used 1008 for DTI. | 09/23/2024 | Verified housing payment history - 109 combined mortgage payment record paid 0x30 per credit report. ; Low LTV/CLTV/HCLTV - Low 47.35% CLTV when guidelines allow up to 85%. ; |  | 09/20/24 - Lender loan approval received. - 09/20/24 - Lender loan approval received. | Funded D A |
| 900001229 | XXXX | 1080977 | 09/06/2024 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Missing initial executed application for borrower 1. Only the application for borrower 2 when they were added to the loan is in the file. | 10/09/2024 | Established credit history - Open active credit dates back 10+ years with no reported default.; Verified housing payment history - 12 months 0x30 required, credit report reflects 138x0 for current and previous mortgages.; | 10/08/2024 - Exception is cleared with the attached B1 initial 1003.<br>10/01/2024 - Recd unexecuted copy of B1 1003. \*\* Finding remains. Missing B1 signed initial 1003. | 10/08/2024 - Exception is cleared with the attached B1 initial 1003. - 10/08/2024 - Exception is cleared with the attached B1 initial 1003. | Funded C A |
| 900001232 | XXXX | 1081049 | 09/09/2024 | Compliance | Right of Rescission not hand dated by Borrower(s) | ROR 0005 | 1 | Closed | The signature and date on the Notice of Right To Cancel forms is illegible, unable to confirm the signature dates. | 10/09/2024 | Verified employment history - Borrower has been with their current employer since XX/XX/XX.; Verified reserves - 2 months PITIA reserves or $XX required, borrower is receiving 20 plus months or $XX in cash out proceeds.; | 10/08/2024 - Exception is cleared with the attached legible copies of the ROR forms. | 10/08/2024 - Exception is cleared with the attached legible copies of the ROR forms. - 10/08/2024 - Exception is cleared with the attached legible copies of the ROR forms. | Funded C A |
| 900001232 | XXXX | 1081051 | 09/09/2024 | Credit | Final 1003 Application is Incomplete | APP 0002 | 1 | Closed | The borrower's signature and signature date on the final 1003 is illegible. | 10/09/2024 | Verified employment history - Borrower has been with their current employer since XX/XX/XX.; Verified reserves - 2 months PITIA reserves or $XX required, borrower is receiving 20 plus months or $XX in cash out proceeds.; | 10/08/2024 - Exception is cleared with the attached legible copy of the final 1003. | 10/08/2024 - Exception is cleared with the attached legible copy of the final 1003. - 10/08/2024 - Exception is cleared with the attached legible copy of the final 1003. | Funded C A |
| 900001232 | XXXX | 1081095 | 09/09/2024 | Credit | Missing Tax Payer Consent Notice / Acknowledgment | CRED 0115 | 1 | Closed | Missing legible copy of the executed Borrower Consent to the Use of Tax Return Information Disclosure. The copy in the file contains an illegible signature and date. Copy of the initial disclosure is not executed. | 10/09/2024 | Verified employment history - Borrower has been with their current employer since XX/XX/XX.; Verified reserves - 2 months PITIA reserves or $XX required, borrower is receiving 20 plus months or $XX in cash out proceeds.; | 10/08/2024 - Exception is cleared with the attached taxpayer consent form. | 10/08/2024 - Exception is cleared with the attached taxpayer consent form. - 10/08/2024 - Exception is cleared with the attached taxpayer consent form. | Funded C A |
| 900001232 | XXXX | 1081099 | 09/09/2024 | Compliance | Zero Tolerance Fee Violation | COMP 0027 | 2 | Acknowledged | Missing COC for the increase to the credit report fee from $XX to $XX on the CD dated CD XX/XX/XX. |  | Verified employment history - Borrower has been with their current employer since XX/XX/XX.; Verified reserves - 2 months PITIA reserves or $XX required, borrower is receiving 20 plus months or $XX in cash out proceeds.; | 10/10/2024 - Recd FedEx tracking, on route to the borrower on XX/XX/XX. <br>10/08/2024 - Exception can be downgraded to EV2/B with the attached PCCD, Cover Letter, Refund Check $XX, and Courier Tracking Receipt as soon as the tracking confirms the package is in transit to borrower within 60 days from discovery.<br>9/26/2024 - Response from lender, "Hello, Going to review this condition today. If agreed to cure can you please confirm the total cure amount for this loan please to make sure we have same results? is it XX$? Thank you!"<br>\*\*Confirmed, total cure amount is $XX. Exception remains material pending cure documentation including PCCD, LOE, copy of refund/evidence of principal reduction, and evidence of delivery.<br>| Client: 10/10/2024 - EV2 Immaterial issue due to post-closing cure. | Funded C B |
| 900001187 | XXXX | 1081089 | 09/09/2024 | Compliance | Missing Intent to Proceed Disclosure | GFE 0002 | 1 | Closed | Missing Intent to Proceed executed by B2. | 09/17/2024 | Verified housing payment history - 145 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - B2 has been with current employer for 23+ years. ; |  | 09/17/24 - Cleared Error. ITP was received from B1 on XX/XX/XX. - 09/17/24 - Cleared Error. ITP was received from B1 on XX/XX/XX. | Funded D A |
| 900001187 | XXXX | 1081100 | 09/09/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR on CD issued XX/XX/XX was 8.962. <br>APR on CD issued XX/XX/XX was 8.806. <br>Variance is more than tolerance allowed but is a decrease in the APR, -0.156. |  | Verified housing payment history - 145 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - B2 has been with current employer for 23+ years. ; |  | Client: EV2 Non-Material, APR Decreased, benefit to borrower. | Funded C B |
| 900001187 | XXXX | 1081103 | 09/09/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for increase in XX Fee from $XX to $XX.-- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on XX/XX: XX Fee - Lender. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)) |  | Verified housing payment history - 145 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - B2 has been with current employer for 23+ years. ; | 09/20/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check $XX, and courier tracking slip to evidence package is in transit scheduled to be delivered to borrower within 60 days of consummation. | Client: 09/20/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check $XX, and courier tracking slip to evidence package is in transit scheduled to be delivered to borrower within 60 days of consummation. | Funded C B |
| 900001166 | XXXX | 1081114 | 09/09/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Potential for increased earnings - Borrower 2 XX income was not included in qualifying due to type.; Verified credit history - 759 Credit score exceeds minimum 700 required per guidelines.; |  | Client: EV2 Non-Material | Funded C B |
| 900001166 | XXXX | 1081240 | 09/10/2024 | Credit | Missing Required Fraud Tool | CRED 0089 | 1 | Closed | File does not contain a fraud report. File only has OFAC and loan participant check. | 09/13/2024 | Potential for increased earnings - Borrower 2 XX income was not included in qualifying due to type.; Verified credit history - 759 Credit score exceeds minimum 700 required per guidelines.; |  | 09/13/24 - Fraud report received. - 09/13/24 - Fraud report received. | Funded C A |
| 900001176 | XXXX | 1081193 | 09/10/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Loan approval. 1008 was utilized for Lender approval DTI. | 09/13/2024 | Verified housing payment history - 144 combined months of mortgage history paid 0x30 per credit report. ; Income verified was not used in qualifying - Borrower qualified on base salary. History established of earning XX and other XX averaging $XX monthly was not considered in qualifying. ; |  | 09/13/24 - Lender loan approval received. - 09/13/24 - Lender loan approval received. | Funded D A |
| 900001176 | XXXX | 1081288 | 09/11/2024 | Property | Missing Appraiser License | APPR 0043 | 1 | Closed | Missing copy of Appraiser's license. | 09/17/2024 | Verified housing payment history - 144 combined months of mortgage history paid 0x30 per credit report. ; Income verified was not used in qualifying - Borrower qualified on base salary. History established of earning XX and other XX averaging $XX monthly was not considered in qualifying. ; |  | 09/17/24 - Copy of the appraiser's license received. - 09/17/24 - Copy of the appraiser's license received. | Funded C A |
| 900001176 | XXXX | 1081305 | 09/11/2024 | Credit | Missing Required Fraud Tool | CRED 0089 | 1 | Closed | Missing Fraud Report with all alerts addressed satisfactorily. | 09/13/2024 | Verified housing payment history - 144 combined months of mortgage history paid 0x30 per credit report. ; Income verified was not used in qualifying - Borrower qualified on base salary. History established of earning XX and other XX averaging $XX monthly was not considered in qualifying. ; |  | 09/13/24 - Fraud report received. - 09/13/24 - Fraud report received. | Funded C A |
| 900001203 | XXXX | 1081216 | 09/10/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing Lender Loan approval. 1008 in file was used for Lender DTI. | 10/02/2024 | Verified housing payment history - 71 combined months of mortgage payments paid 0x30 per credit report. ; Low DTI - Low 26.14% DTI when guidelines allow up to 45%. ; | 10/01/2024 - Exception is cleared with the attached copy of the underwriting decision. | 10/01/2024 - Exception is cleared with the attached copy of the underwriting decision. - 10/01/2024 - Exception is cleared with the attached copy of the underwriting decision. | Sold D A |
| 900001248 | XXXX | 1081213 | 09/10/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | COC states XX Fee increased due to a change in scope of fee. Missing reason scope of fee changed. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on XX/XX/XX: XX, XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)) | 10/21/2024 | Verified housing payment history - Borrowers have verified mortgage history of 0x30x45 which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 46.26% CLTV is below 85% maximum per guidelines.; | 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund, and courier receipt to evidence delivery to borrower completed within 60 days from discovery.<br>10/03/2024 - Recd COC. -- Finding remains. COC explanation, "Due to a change in the scope of the fee, the XX fee increased from $XX to $XX. Cost to be paid by borrowers at closing." COC does not state why there was a change in the scope of the fee, or why the fee amount changed.<br>9/26/2024 - Response from lender, "Hello is this a cure request? And if so could you confirm how much?"<br>\*\*XX fee increased from $XX to $XX, no changed circumstance provided to pass fee increase on to the borrower. Increase to XX fee was $XX. Exception remains material pending cure documentation including PCCD, LOE, copy of refund/evidence of principal reduction, and evidence of delivery. | 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund, and courier receipt to evidence delivery to borrower completed within 60 days from discovery. - 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund, and courier receipt to evidence delivery to borrower completed within 60 days from discovery. | Funded C A |
| 900001248 | XXXX | 1081215 | 09/10/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | COC does not give a reason for the increase in the XX Fees beyond the tolerance limit. -- The total amount of Closing Disclosure 10% Category fees ($425.00) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on XX/XX/XX, ($250.00). The total amount of fees in this category cannot exceed ($275.00) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). | 10/21/2024 | Verified housing payment history - Borrowers have verified mortgage history of 0x30x45 which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 46.26% CLTV is below 85% maximum per guidelines.; | 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund, and courier receipt to evidence delivery to borrower completed within 60 days from discovery.<br>9/26/2024 - Response from lender, "Hello, Going to review this condition today. If agreed to cure can you please confirm the total cure amount for this loan please to make sure we have same results? Is it XX$ for this condition? Thank you!"<br>\*\*Fee(s) increased by $XX, Fee could increase $XX to stay within 10% tolerance. Increase above the 10% tolerance that requires cure is $XX. Exception remains material pending cure documentation including PCCD, LOE, copy of refund/evidence of principal reduction, and evidence of delivery. | 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund, and courier receipt to evidence delivery to borrower completed within 60 days from discovery. - 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund, and courier receipt to evidence delivery to borrower completed within 60 days from discovery. | Funded C A |
| 900001248 | XXXX | 1081373 | 09/11/2024 | Credit | Unacceptable transaction type | CRED 0044 | 1 | Closed | Per guidelines, the borrowers on the subject loan must match the signers on the senior lien. Borrower X is not on the senior lien. <br>10/9/24 - Amended to 2nd Lien paid at closing | 10/18/2024 | Verified housing payment history - Borrowers have verified mortgage history of 0x30x45 which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 46.26% CLTV is below 85% maximum per guidelines.; | 10/17/2024 - "The guidelines state that the borrowers on the first note must be the same as the (subject 2nd) and is supported by the note. All borrowers are also on title, this conditions should be cleared."<br> --Agree. Attached copy of the 1st lien note confirms all borrowers on first lien are on second lien. Borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note (exceptions considered on a case-by case basis)<br>10/09/2024 - "Can you confirm where you are seeing that borrower X is not on the senior lien? Per Team they see her on the note. is there somewhere else that this was showing different?" <br> -- Finding remains. Recd copy of 1st lien note reflecting all borrowers from subject transaction. Original exception inaccurately cited 1st lien, 2nd lien paid at closing is held in the name of Borrower X. | 10/17/2024 - "The guidelines state that the borrowers on the first note must be the same as the (subject 2nd) and is supported by the note. All borrowers are also on title, this conditions should be cleared."<br>--Agree. Attached copy of the 1st lien note confirms all borrowers on first lien are on second lien. Borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note (exceptions considered on a case-by case basis)<br>- 10/17/2024 - "The guidelines state that the borrowers on the first note must be the same as the (subject 2nd) and is supported by the note. All borrowers are also on title, this conditions should be cleared."<br>--Agree. Attached copy of the 1st lien note confirms all borrowers on first lien are on second lien. Borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note (exceptions considered on a case-by case basis) | Funded C A |
| 900001177 | XXXX | 1081282 | 09/10/2024 | Compliance | Document Intent to Proceed with the Transaction | TRID 0047 | 1 | Closed | Missing intent to proceed date. -- You did not submit an Intent to Proceed Date, which represents the date the consumer acknowledged their intent to proceed with the transaction described by the Loan Estimate. The creditor must document this communication to satisfy the requirements of 1026.25. Neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) | 09/16/2024 | Verified housing payment history - 12x0x30 mortgage payment history required, open mortgages reflect 26x0x30 and closed mortgaeg 142x0x30.; Verified credit history - FICO 721, minimum required 680; |  | 09/16/24 - ITP received. - 09/16/24 - ITP received. | Funded C A |
| 900001177 | XXXX | 1081527 | 09/12/2024 | Credit | Missing Employment doc (VOE) | CRED 0007 | 1 | Closed | Missing written VOE confirming the borrower has no ownership in company, noted on the 1008 and in response to Fraud Report finding. Employer correspondence in the file does not address ownership. | 09/18/2024 | Verified housing payment history - 12x0x30 mortgage payment history required, open mortgages reflect 26x0x30 and closed mortgaeg 142x0x30.; Verified credit history - FICO 721, minimum required 680; | 09/17/2024 - Exception is cleared with the attached letter from employer confirming no ownership. | Exception is cleared with the attached letter from employer confirming no ownership. - Exception is cleared with the attached letter from employer confirming no ownership. | Funded C A |
| 900001185 | XXXX | 1081295 | 09/11/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the last disclosed Closing Disclosure. | TRID 0120 | 1 | Closed | Missing COC for decrease in General Credit from $XX to $XX on CD issued XX/XX/XX. -- The sum of non-specific (lump sum) lender credits and specific lender credits disclosed on the last Closing Disclosure ($XX) has decreased below the amount disclosed on the Loan Estimate sent on 8/2, ($XX). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). | 09/19/2024 | Low LTV/CLTV/HCLTV - 74.27% CLTV is below 85% maximum per guidelines.; Verified credit history - 792 Credit score exceeds minimum 680 required per guidelines.; | 09/18/2024 - The lock confirmation dated XX/XX/XX added a 5-day lock extension for a price hit of 0.175% reflecting the new pricing of a lender credit of 0.2450% = $XX. The new lender credit was disclosed on the Final CD dated XX/XX/XX with a valid COC. Pricing sheet in file confirms extension exception reducing the credit to $XX. | 09/18/2024 - The lock confirmation dated XX/XX/XX added a 5-day lock extension for a price hit of 0.175% reflecting the new pricing of a lender credit of 0.2450% = $XX. The new lender credit was disclosed on the Final CD dated XX/XX/XX with a valid COC. Pricing sheet in file confirms extension exception reducing the credit to $XX. - 09/18/2024 - The lock confirmation dated XX/XX/XX added a 5-day lock extension for a price hit of 0.175% reflecting the new pricing of a lender credit of 0.2450% = $XX. The new lender credit was disclosed on the Final CD dated XX/XX/XX with a valid COC. Pricing sheet in file confirms extension exception reducing the credit to $XX. | Funded C A |
| 900001185 | XXXX | 1081553 | 09/12/2024 | Credit | Unacceptable transaction type | CRED 0044 | 2 | Acknowledged | Guidelines require borrowers on senior lien match borrowers on subject loan. Lender approved exception in file. New vested owner added. |  | Low LTV/CLTV/HCLTV - 74.27% CLTV is below 85% maximum per guidelines.; Verified credit history - 792 Credit score exceeds minimum 680 required per guidelines.; |  | Client: EV2/B Investor Acknowledged Exception | Funded C B |
| 900001215 | XXXX | 1081338 | 09/11/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. 1008 used for ratios. | 09/18/2024 | Low DTI - 25.88% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $XX in XX income.; | 09/18/2024 - Recd conditional loan approval. | 09/18/2024 - Recd conditional loan approval. - 09/18/2024 - Recd conditional loan approval. | Sold D A |
| 900001217 | XXXX | 1081708 | 09/13/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing required property inspection report as required per guidelines to determine if property has any damage. | 10/04/2024 | Low DTI - 39.21% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $XX in verified XX income.; |  | 10/04/24 - Cleared, error. Subject property is not located in an area designated as XX. - 10/04/24 - Cleared, error. Subject property is not located in an area designated as XX. | Sold C A |
| 900001343 | XXXX | 1082062 | 09/17/2024 | Credit | Missing evidence of HOA Dues | CRED 0113 | 1 | Closed | Per title and the Deed of Trust for the 1st mortgage the subject is in a PUD. Missing evidence of HOA dues. | 11/07/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x41 which exceeds minimum required 0x30x24.; Low DTI - 39.64% DTI is below 45% maximum per guidelines.; | 11/05/2024 - Exception is cleared with the attached HOA payment confirmation. Borrower confirms paid annually.<br>10/02/2024 - Recd recorded Mortgage, no PUD rider. \*\* Finding remains. Title commitment Schedule B required a PUD endorsement. 1st mortgage contains a PUD rider. | 11/05/2024 - Exception is cleared with the attached HOA payment confirmation. Borrower confirms paid annually. - 11/05/2024 - Exception is cleared with the attached HOA payment confirmation. Borrower confirms paid annually. | Funded C A |
| 900001343 | XXXX | 1082063 | 09/17/2024 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Per title and the Deed of Trust for the 1st mortgage the subject is in a PUD. No PUD Rider attached to the Deed of Trust. | 12/20/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x41 which exceeds minimum required 0x30x24.; Low DTI - 39.64% DTI is below 45% maximum per guidelines.; | 12/12/2024 - Recd PUD Rider with letter of intent to record.<br>10/09/2024 - Talked to team and Title and it looks like this loan should have a PUD and PUD documentation. We are getting a revised AVM and can get the Deed of Trust corrected showing the PUD Rider with the PUD Rider attached but is there anything else you may require to clear this condition? -- Finding remains. Evidence of re-recording to include PUD rider is required.<br>10/02/2024 - Recd recorded Mortgage, no PUD rider. \*\* Finding remains. Title commitment Schedule B required a PUD endorsement. 1st mortgage contains a PUD rider. | 12/12/2024 - Recd PUD Rider with letter of intent to record. - 12/12/2024 - Recd PUD Rider with letter of intent to record. | Funded C A |
| 900001246 | XXXX | 1081795 | 09/13/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | No reason given for the increase from $XX to $XX. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on XX/XX/XX: XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). |  | Verified reserves - 2 months reserves, or $XX, required. Cash out proceeds $XX.; Verified credit history - FICO 799, minimum required 700; Verified housing payment history - 12 months mortgage history required, current 1st mortgage has been reviewed 82x0x30.; | 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, copy of refund, cover letter, and courier tracking receipt to evidence delivery to borrower completed within 60 days from discovery.<br>10/01/2024 - Attached COC does not provide the reason for the increase to the XX fee. COC must provide a valid reason for the increase applicable to this fee.<br>9/26/2024 - Response from lender: Hello, Going to review this condition today. If agreed to cure can you please confirm the total cure amount for this loan please to make sure we have same results? Is it 12? Thank you!<br>\*\*Confirmed, total cure amount is $XX. Exception remains material pending cure documentation including PCCD, LOE, copy of refund/evidence of principal reduction, and evidence of delivery. | Client: 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, copy of refund, cover letter, and courier tracking receipt to evidence delivery to borrower completed within 60 days from discovery. | Funded C B |
| 900001235 | XXXX | 1081850 | 09/13/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 2 | Acknowledged | Missing COC for LE issued XX/XX/XX. No changes from prior LE. |  | Verified credit history - 792 Credit score exceeds minimum 680 required per guidelines.; Low LTV/CLTV/HCLTV - 65.42% CLTV is below 85% maximum per guidelines.; |  | Client: EV2 Non-Material - No fee violations | Funded C B |
| 900001235 | XXXX | 1081854 | 09/13/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD XX/XX/XX APR 8.356%<br>CD XX/XX/XX APR 8.191%<br>Reduction .165% |  | Verified credit history - 792 Credit score exceeds minimum 680 required per guidelines.; Low LTV/CLTV/HCLTV - 65.42% CLTV is below 85% maximum per guidelines.; |  | Client: EV2 Non-Material - APR Decreased, benefit to borrower. | Funded C B |
| 900001235 | XXXX | 1082109 | 09/17/2024 | Credit | Unacceptable transaction type | CRED 0044 | 2 | Acknowledged | Guidelines require the borrowers on the senior lien match the borrowers on subject transaction. Per mortgage statement, Borrower 2 is not a borrower on the senior lien. No exception located in the file. |  | Verified credit history - 792 Credit score exceeds minimum 680 required per guidelines.; Low LTV/CLTV/HCLTV - 65.42% CLTV is below 85% maximum per guidelines.; | 09/23/24 Email received from Investor, ok to proceed. | Client: EV2 Investor Acknowledged Exception. | Funded C B |
| 900001280 | XXXX | 1082306 | 09/18/2024 | Compliance | ALTA Stmt and Closing Disclosure conflict | COMP 0045 | 2 | Acknowledged | Payoff amounts on the final CD does not match the final settlement statement. The CD reflects payoff total of $xxx, however the itemized payoff addendum totals only $xxx. ALTA settlement statement payoff totals $xxx. The variance is due to the (loas) CD Itemized payoff addendum reflects the amount per the loan statements, while the ALTA reflects the payoff of the balance from the credit report.<br>|  | Verified reserves - No reserves required, $xxx or 18.21 months PITIA reserves in cash out proceeds.; Verified housing payment history - 12 months housing payment history required, credit report reflects 248 months of mortgage history.; Established credit history - Open, active credit dates back to xxxx with no reported default.; | 11/14/2024 - Exception is downgraded to EV2/B with the attached copy of email correspondence with letter to borrower addressing the reason for re-disclosure. PCCD previously presented (xx/xx). US Mailbox Rule applied.<br>10/22/2024 - Recd PCCD dated at closing with payoffs corrected. Missing letter of explanation addressed to borrower addressing the reason for redisclosure. US Mailbox Rule to be applied due to no restitution required.<br>10/03/2024 - Recd final CD and disbursement ledger reflecting aggregate disbursement. \*\* Finding remains. Discrepancy between the final settlement (payoff as per credit report) and CD to be satisfactorily addressed.<br>(creditor) CD: $xxx / ALTA: $xxx, variance $xxx (creditor) CD: $xxx / ALTA: $xxx, variance $xxx<br>Total variance $xxx<br>| Client: 11/14/2024 - Exception is downgraded to EV2/B with the attached copy of email correspondence with letter to borrower addressing the reason for re-disclosure. PCCD previously presented (xx/xx). US Mailbox Rule applied. | Funded C B |
| 900001280 | XXXX | 1082315 | 09/18/2024 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing SSN Validation used to clear the fraud report alert. | 11/06/2024 | Verified reserves - No reserves required, $xxx or 18.21 months PITIA reserves in cash out proceeds.; Verified housing payment history - 12 months housing payment history required, credit report reflects 248 months of mortgage history.; Established credit history - Open, active credit dates back to xxxx with no reported default.; | 11/06/2024 - SS verification uploaded as trailing doc.<br>10/22/2024 - Attached final settlement statement does not correspond with the exception. Missing borrower SS verification.<br>10/03/2024 - Attached final settlement statement does not correspond with the exception. Missing borrower SS verification. | 11/06/2024 - SS verification uploaded as trailing doc. - 11/06/2024 - SS verification uploaded as trailing doc. | Funded C A |
| 900001200 | XXXX | 1082206 | 09/17/2024 | Credit | Missing evidence of HOA Dues | CRED 0113 | 1 | Closed | Missing verification of HOA liability. | 09/24/2024 | Low LTV/CLTV/HCLTV - 33.73% CLTV is below 80% maximum per guidelines.; Verified occupancy in subject property - Borrower has lived in subject property 26 plus years.; |  | 09/20/24 - Full appraisal dated XX/XX/XX received. Per appraisal there is no HOA, No HOA fees, self managed. - 09/20/24 - Full appraisal dated XX/XX/XX received. Per appraisal there is no HOA, No HOA fees, self managed. | Sold C A |
| 900001200 | XXXX | 1082218 | 09/17/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD XX/XX/XX APR 11.265%<br>CD XX/XX/XX APR 11.121%<br>Reduction .144%<br>|  | Low LTV/CLTV/HCLTV - 33.73% CLTV is below 80% maximum per guidelines.; Verified occupancy in subject property - Borrower has lived in subject property 26 plus years.; |  | Client: EV2/B Non-Materia, Decrease is a benefit to borrower. | Sold C B |
| 900001200 | XXXX | 1082220 | 09/17/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Missing required appraisal that complies with USPAP and FIRREA as required for HPML loans. Only a VM provided in file. Refer to APPR 0054 - Collateral Underwriter indicates an appraisal was completed.<br>| 09/24/2024 | Low LTV/CLTV/HCLTV - 33.73% CLTV is below 80% maximum per guidelines.; Verified occupancy in subject property - Borrower has lived in subject property 26 plus years.; |  | 09/20/24 - Full appraisal dated XX/XX/XX received reflecting value of $XX. - 09/20/24 - Full appraisal dated XX/XX/XX received reflecting value of $XX. | Sold C A |
| 900001200 | XXXX | 1082483 | 09/19/2024 | Property | Collateral Underwriter was submitted with a with a different value than the 1st appraised value | APPR 0054 | 1 | Closed | No appraisal in file. CU reflects appraisal completed on XX/XX/XX with an appraisal value of $XX. Invoice in file. | 09/24/2024 | Low LTV/CLTV/HCLTV - 33.73% CLTV is below 80% maximum per guidelines.; Verified occupancy in subject property - Borrower has lived in subject property 26 plus years.; |  | 09/20/24 - Full appraisal dated XX/XX/XX received reflecting value of $XX. - 09/20/24 - Full appraisal dated XX/XX/XX received reflecting value of $XX. | Sold C A |
| 900001200 | XXXX | 1082492 | 09/19/2024 | Credit | Missing Lender Project Condo Classification | COND 0010 | 1 | Closed | Missing HOA Questionnaire with lender designation of warrantable or non-warrantable. | 09/27/2024 | Low LTV/CLTV/HCLTV - 33.73% CLTV is below 80% maximum per guidelines.; Verified occupancy in subject property - Borrower has lived in subject property 26 plus years.; |  | 9/26/2024 - Full appraisal received and reflects # of units is X, project review not required. - 9/26/2024 - Full appraisal received and reflects # of units is X, project review not required. | Sold C A |
| 900001200 | XXXX | 1082498 | 09/19/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing required property inspection report. Only VM provided. | 09/24/2024 | Low LTV/CLTV/HCLTV - 33.73% CLTV is below 80% maximum per guidelines.; Verified occupancy in subject property - Borrower has lived in subject property 26 plus years.; |  | 09/20/24 - Full appraisal dated XX/XX/XX received reflecting value of $XX. (CU was submitted with a different value than the 1st appraised value) - 09/20/24 - Full appraisal dated XX/XX/XX received reflecting value of $XX. (CU was submitted with a different value than the 1st appraised value) | Sold C A |
| 900001200 | XXXX | 1082592 | 09/20/2024 | Compliance | Homeownership Counseling Disclosure does not contain minimum required 10 counselors | RESPA 0030 | 1 | Closed | Missing a copy of the Homeownership Counseling Disclosure to confirm 10 agencies were disclosed to borrower. | 09/24/2024 | Low LTV/CLTV/HCLTV - 33.73% CLTV is below 80% maximum per guidelines.; Verified occupancy in subject property - Borrower has lived in subject property 26 plus years.; |  | 09/20/24 - Homeownership Counseling Disclosure received. - 09/20/24 - Homeownership Counseling Disclosure received. | Sold C A |
| 900001210 | XXXX | 1082510 | 09/19/2024 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 2 | Acknowledged | VVOE dated XX/XX/XX for Borrower X is not within 10 days of note dated XX/XX/XX. |  | Low DTI - 38.59% DTI is below 45% maximum per guidelines.; Disposable Income - Borrowers have $XX in verified XX income.; | 09/25/24 - Lender re-verification of employment received. VVOE completed post-consummation XX/XX/XX which was not w/in 10 days of the note dated XX/XX/XX. | Mitigated Risk: EV2 - Lender re-verification of employment completed post-consummation. VVOE dated XX/XX/XX confirms borrower is still currently employed w/more than 20 yrs with current employment. | Sold C B |
| 900001213 | XXXX | 1082321 | 09/18/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD XX/XX/XX APR 10.015%<br>CD XX/XX/XX APR 9.491%<br>CD XX/XX/XX APR 9.273% <br>Reduction 0.218% |  | Verified reserves - 2 months reserves, or $XX required. 7 plus months or $XX reserves documented.; Verified ownership of subject property - The borrower has owned the subject property for 9 plus years.; |  | Client: EV2 Non-Material- APR Decreased, benefit to borrower. | Sold C B |
| 900001213 | XXXX | 1082437 | 09/19/2024 | Credit | Missing Required Fraud Tool | CRED 0089 | 1 | Closed | Appraiser XX not submitted in participant watchlist search section of fraud report. Additionally the appraisal was entered as VM only. | 09/23/2024 | Verified reserves - 2 months reserves, or $XX required. 7 plus months or $XX reserves documented.; Verified ownership of subject property - The borrower has owned the subject property for 9 plus years.; |  | 09/20/24 - Updated Fraud Report with appraisal company and appraiser received. - 09/20/24 - Updated Fraud Report with appraisal company and appraiser received. | Sold C A |
| 900001213 | XXXX | 1082478 | 09/19/2024 | Credit | Insufficient verified liquid reserves | CRED 0099 | 1 | Closed | Total reserves required 2 mths, total verified 0.68 from cash out proceeds. File contains XX account statement, but the entire account number blacked out so it was excluded by review. | 09/26/2024 | Verified reserves - 2 months reserves, or $XX required. 7 plus months or $XX reserves documented.; Verified ownership of subject property - The borrower has owned the subject property for 9 plus years.; |  | 09/25/24 - Complete statement received. Total reserves verified 8 plus mths. - 09/25/24 - Complete statement received. Total reserves verified 8 plus mths. | Sold C A |
| 900001417 | XXXX | 1082378 | 09/18/2024 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing evidence of PUD rider. Subject located in a gated community with a $xxx per month HOA (HOA page xx, Gated community photo on page xxx). Online search reflects the Deed of Trust on the first mortgage includes a PUD Rider. DOT does not indicate a PUD Rider was attached. | 10/21/2024 | Verified housing payment history - 12x0x30 required, 1st mortgage has 32x0x30 history.; Verified reserves - Reserves needed to cover $xxx Amex balance only, between assets in the file and cash out proceeds the borrowers have $xxx or 17.67 months reserves. $xxx and 14.87 months after subtracting Amex balance.; | 10/18/2024 - Exception is cleared with the attached PUD Rider with letter of intent to re-record.<br>9/26/24 - Recd a copy of the Deed of Trust for the first mortgage from xx/xx/xx reflecting a PUD rider included.<br>\*\*Exception remains, subject mortgage does not include a PUD Rider. | 10/18/2024 - Exception is cleared with the attached PUD Rider with letter of intent to re-record. - 10/18/2024 - Exception is cleared with the attached PUD Rider with letter of intent to re-record. | Funded C A |
| 900001417 | XXXX | 1082379 | 09/18/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Missing evidence of PUD. Subject located in a gated community with a $xxx per month HOA (HOA page xxx, Gated community photo on page xxx). | 11/15/2024 | Verified housing payment history - 12x0x30 required, 1st mortgage has 32x0x30 history.; Verified reserves - Reserves needed to cover $xxx Amex balance only, between assets in the file and cash out proceeds the borrowers have $xxx or 17.67 months reserves. $xxx and 14.87 months after subtracting Amex balance.; | 11/14/2024 - Exception is cleared with the attached title policy that contains Alta Endorsement 5.1-06 (PUD-Current Assessments).<br>10/31/2024 - Recd PUD Rider. Missing final title policy that includes PUD endorsement. | 11/14/2024 - Exception is cleared with the attached title policy that contains Alta Endorsement 5.1-06 (PUD-Current Assessments). - 11/14/2024 - Exception is cleared with the attached title policy that contains Alta Endorsement 5.1-06 (PUD-Current Assessments). | Funded C A |
| 900001417 | XXXX | 1082553 | 09/20/2024 | Credit | Missing CPA Letter | CRED 0138 | 2 | Acknowledged | Missing CPA letter or alternative documentation confirming the borrower's percentage of ownership. SOS and Articles of Incorporation do not confirm this information. |  | Verified housing payment history - 12x0x30 required, 1st mortgage has 32x0x30 history.; Verified reserves - Reserves needed to cover $xxx Amex balance only, between assets in the file and cash out proceeds the borrowers have $xxx or 17.67 months reserves. $xxx and 14.87 months after subtracting Amex balance.; | 01/27/25 LExisNexis business verification received.<br>Per Email from LRCP this will be accepted as an exception.<br>10/30/2024 - Attached Form 2553 is insufficient to satisfy the exception. <br>-- Finding remains. Attached election form is not 3rd party verification of self-employment. Missing CPA letter or operating agreement confirming percentage of ownership.<br>10/03/2024 - Attached Form 2553 is insufficient to satisfy the exception. -- Finding remains. Attached election form is not 3rd party verification of self-employment. Missing CPA letter or operating agreement confirming percentage of ownership.<br>10/01/2024 - Attached W9 is insufficient to satisfy the exception. \*\* Finding remains. Missing CPA letter or operating agreement confirming percentage of ownership.<br>9/27/2024 - Response from lender, "Plaza respectfully disagrees with the finding. Letter of Explanation from the borrower explains that he does not use a CPA to do his taxes. He submitted alternative documents to confirm that he has 100% ownership interest. This LOE, along with the Business Entity/Sec of State, Business Narrative, and Articles show the Borrower as the only owner.<br>\*\*Finding remains, Articles of Incorporation and Secretary of state printout do not address the percentage of ownership. Borrower LOE/Business Narrative is not sufficient as it is completed by the borrower for this transaction. Borrower LOE states W-9s and incorporation does for the business have been provided, these were not in the original file or provided with response. <br>09/25/24 Duplicate copy of business narrative completed by the borrower received.<br>\*\*Finding remains, Narrative completed by borrower is insufficient. Missing Missing CPA letter or alternative documentation confirming the borrower's percentage of ownership. | Client: Investor Acknowledged Exception- Investor accepts LexisNexis report as an exception. | Funded C B |
| 900001417 | XXXX | 1082570 | 09/20/2024 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 2 | Acknowledged | 1) Missing verification of self employment for borrower 1 completed within 30 calendar days of the Note date xx/xx/xx. Secretary of State printout is dated xx/xx/xx, 32 days prior to the Note date.<br>2) Missing verification of employment for borrower 2 completed within 10 business days of the Note date xx/xx/xx. The only VOE in the file is the Work Number Verification of Employment dated xx/xx/xx, 19 business days prior to the Note date. |  | Verified housing payment history - 12x0x30 required, 1st mortgage has 32x0x30 history.; Verified reserves - Reserves needed to cover $xxx Amex balance only, between assets in the file and cash out proceeds the borrowers have $xxx or 17.67 months reserves. $xxx and 14.87 months after subtracting Amex balance.; | 09/26/24 TWN VVOE completed on 09/25/24 received.<br>\*\*Finding remains verification was not completed w/in 10 days of the note date of 09/09/24. | Mitigated Risk: | Funded C B |
| 900001261 | XXXX | 1082412 | 09/19/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. Unsigned 1008 included. | 10/02/2024 | Verified reserves - 2 months reserves or $XX required, 6 plus months or $XX received in cash out proceeds.; Verified housing payment history - 12x0x30 required, first mortgage reflects 27x0x30. 72 months reviewed in closed mortgages with no reported default.; | 10/01/2024 - Exception is cleared with the attached underwriting conditional approval. | 10/01/2024 - Exception is cleared with the attached underwriting conditional approval. - 10/01/2024 - Exception is cleared with the attached underwriting conditional approval. | Approved D |
| 900001261 | XXXX | 1082441 | 09/19/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified reserves - 2 months reserves or $XX required, 6 plus months or $XX received in cash out proceeds.; Verified housing payment history - 12x0x30 required, first mortgage reflects 27x0x30. 72 months reviewed in closed mortgages with no reported default.; |  | Client: EV2 immaterial issue | Approved C B |
| 900001261 | XXXX | 1082789 | 09/23/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing copy of XX. File contains evidence of a XX was delivered to borrower XX/XX/XX. | 11/01/2024 | Verified reserves - 2 months reserves or $XX required, 6 plus months or $XX received in cash out proceeds.; Verified housing payment history - 12x0x30 required, first mortgage reflects 27x0x30. 72 months reviewed in closed mortgages with no reported default.; | 10/29/2024 - Exception is cleared with the attached XX.<br>10/01/2024 - Attached (lender) XX is insufficient to satisfy the exception. Missing copy of the (third party) XX, as per CD and invoice borrower was charged $XX. | 10/29/2024 - Exception is cleared with the attached XX. - 10/29/2024 - Exception is cleared with the attached XX. | Approved C |
| 900001249 | XXXX | 1082495 | 09/19/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. Used 1008 for ratios. | 09/26/2024 | Low DTI - 32.75% DTI is below 45% maximum per guidelines.; Verified credit history - 766 Credit score exceeds minimum 680 per guidelines.; |  | 09/26/24 - Lender Commitment Letter to borrower received. - 09/26/24 - Lender Commitment Letter to borrower received. | Funded D A |
| 900001249 | XXXX | 1082497 | 09/19/2024 | Compliance | Missing Condo Rider | DEED 0012 | 1 | Closed | Condo rider not in file. | 09/26/2024 | Low DTI - 32.75% DTI is below 45% maximum per guidelines.; Verified credit history - 766 Credit score exceeds minimum 680 per guidelines.; |  | 09/26/24 - Executed Condo Rider received. - 09/26/24 - Executed Condo Rider received. | Funded C A |
| 900001249 | XXXX | 1082502 | 09/19/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 1 | Closed | CD XX/XX/XX APR 8.25%<br>CD XX/XX/XX APR 8.617%<br>CD XX/XX/XX APR 8.616%<br>CD XX/XX/XX APR 8.616%<br>Increase 0.367 > 0.125 | 09/26/2024 | Low DTI - 32.75% DTI is below 45% maximum per guidelines.; Verified credit history - 766 Credit score exceeds minimum 680 per guidelines.; |  | 09/26/24 - Cleared, error. The closing disclosure issued XX/XX/XX with APR of 8.617 was signed by the borrower on XX/XX/XX, loan closed XX/XX/XX. - 09/26/24 - Cleared, error. The closing disclosure issued XX/XX/XX with APR of 8.617 was signed by the borrower on XX/XX/XX, loan closed XX/XX/XX. | Funded C A |
| 900001249 | XXXX | 1082504 | 09/19/2024 | Compliance | Intent To Proceed Date < Loan Estimate Presumed Received Date | TRID 0044 | 1 | Closed | Missing LE disclosure tracking. LE in file has the received dated obscured unable to determine date borrower received prior to the ITP. | 09/26/2024 | Low DTI - 32.75% DTI is below 45% maximum per guidelines.; Verified credit history - 766 Credit score exceeds minimum 680 per guidelines.; |  | 09/26/24 - Disclosure tracking received confirming receipt of the initial LE XX/XX/XX. - 09/26/24 - Disclosure tracking received confirming receipt of the initial LE XX/XX/XX. | Funded C A |
| 900001249 | XXXX | 1082506 | 09/19/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for increase to the XX fee. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on (date): XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). |  | Low DTI - 32.75% DTI is below 45% maximum per guidelines.; Verified credit history - 766 Credit score exceeds minimum 680 per guidelines.; | 10/03/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount of $XX, and courier receipt to evidence delivery to borrower completed within 60 days from discovery.<br>09/30/2024 - "Can you please provide the complete condition for what fee you need a valid COC for. Not listed previously". \*\* Tolerance violation is $XX for the increase to XX fee from $XX to $XX. | Client: 10/03/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount of $XX, and courier receipt to evidence delivery to borrower completed within 60 days from discovery. | Funded C B |
| 900001249 | XXXX | 1082598 | 09/20/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing tax transcripts for most recent two years. | 10/25/2024 | Low DTI - 32.75% DTI is below 45% maximum per guidelines.; Verified credit history - 766 Credit score exceeds minimum 680 per guidelines.; | 10/23/2024 - Exception is cleared with the attached most recent two years transcripts. Borrower is paid by multiple employers. Breakdown of pay provided in file matches to the transcripts. <br>10/21/2024 - Recd most recent two years transcripts. -- Finding remains. Employer information does not match to the WVOE.<br>10/11/2024 - Recd DU submission update. -- Finding remains. Loan was manually underwritten. Per guidelines loans may be reviewed subject to (AUS), but all criteria included in the manual underwriting section must be met. Missing transcripts. 4506C form in file. Per GL, XX and XX requirement: XX and Transcripts for the year(s) of qualifying income.<br>10/07/2024 - Recd (AUS) submission; recommendation "error". -- Finding remains. Missing transcripts. 4506C form in file. Per GL, XX and XX requirement: XX and Transcripts for the year(s) of qualifying income.<br>10/03/2024 - Posted response is insufficient to satisfy the exception. -- Disagree, Refer to XX section under XX section. Transcripts not required for Alt Doc programs. Per GL, XX and XX requirement: XX and Transcripts for the year(s) of qualifying income.<br>10/02/2024 - "Please advise on why transcripts are being requested. The borrower is a XX and (AUS) is not asking for them." \*\* Finding remains. Per GL, XX and XX requirement: XX and Transcripts for the year(s) of qualifying income. | 10/23/2024 - Exception is cleared with the attached most recent two years transcripts. Borrower is paid by multiple employers. Breakdown of pay provided in file matches to the transcripts. - 10/23/2024 - Exception is cleared with the attached most recent two years transcripts. Borrower is paid by multiple employers. Breakdown of pay provided in file matches to the transcripts. | Funded C A |
| 900001236 | XXXX | 1082574 | 09/20/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 2 | Acknowledged | Missing COC for LE issued XX/XX/XX. Loan amount decreased. |  | Verified employment history - Borrower has been on current job 25 plus years.; Verified ownership of subject property - Borrower has owned subject property 5 plus years.; |  | Client: EV2 - Immaterial issue, no fee violations. | Funded C B |
| 900001236 | XXXX | 1082579 | 09/20/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | The final CD reflects $XX estimated property costs over Year 1. Unable to determine the source of this figure. Based on documentation in the file, costs are $XX. 10 months $XX, 11 months $XX. |  | Verified employment history - Borrower has been on current job 25 plus years.; Verified ownership of subject property - Borrower has owned subject property 5 plus years.; | 10/08/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, and disclosure tracking to evidence the package has been sent within 60 days of consummation. | Client: 10/08/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, and disclosure tracking to evidence the package has been sent within 60 days of consummation. | Funded C B |
| 900001236 | XXXX | 1082801 | 09/23/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | The final CD reflects estimated costs total $XX/month. Based on the documentation in the file, the monthly costs total $XX. The first page of the CD reflects XX is escrowed, however, the fourth page of the CD reflects there is no escrow account (1st mortgage is escrowed). |  | Verified employment history - Borrower has been on current job 25 plus years.; Verified ownership of subject property - Borrower has owned subject property 5 plus years.; | 10/08/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, and disclosure tracking to evidence the package has been sent within 60 days of consummation. | Client: 10/08/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, and disclosure tracking to evidence the package has been sent within 60 days of consummation. | Funded C B |
| 900001236 | XXXX | 1083565 | 09/30/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing post disaster inspection report. Subject is located in a declared disaster area as of XX/XX/XX. | 10/07/2024 | Verified employment history - Borrower has been on current job 25 plus years.; Verified ownership of subject property - Borrower has owned subject property 5 plus years.; | 10/07/2024 - Recd PDI; No damage noted, Free and clear of disaster related damage. The disaster has no effect or impact on the subject's value and marketability. | 10/07/2024 - Recd PDI; No damage noted, Free and clear of disaster related damage. The disaster has no effect or impact on the subject's value and marketability. - 10/07/2024 - Recd PDI; No damage noted, Free and clear of disaster related damage. The disaster has no effect or impact on the subject's value and marketability. | Funded C A |
| 900001242 | XXXX | 1082649 | 09/20/2024 | Credit | Trust Agreement is Incomplete | TRST 0003 | 1 | Closed | Trust agreement is not notarized, verified as required per the trust review. | 10/02/2024 | Verified reserves - Borrower has 16 plus months reserves which exceeds minimum 2 months required per guidelines.; Disposable Income - Borrower has $XX in verified XX income.; | 10/01/2024 - Exception is cleared with the attached copy of the notarized certification of trust. | 10/01/2024 - Exception is cleared with the attached copy of the notarized certification of trust. - 10/01/2024 - Exception is cleared with the attached copy of the notarized certification of trust. | Funded C A |
| 900001242 | XXXX | 1082661 | 09/20/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified reserves - Borrower has 16 plus months reserves which exceeds minimum 2 months required per guidelines.; Disposable Income - Borrower has $XX in verified XX income.; |  | Client: EV2 - immaterial issue | Funded C B |
| 900001242 | XXXX | 1082937 | 09/24/2024 | Credit | Condo Documentation is Insufficient | COND 0002 | 2 | Acknowledged | Missing required (agency) form 1076 or equivalent project questionnaire. File has copy of project approval but not the completed condo questionnaire as required by guidelines. <br>|  | Verified reserves - Borrower has 16 plus months reserves which exceeds minimum 2 months required per guidelines.; Disposable Income - Borrower has $XX in verified XX income.; | 10/25/2024 - Investor acknowledged exception.<br>10/18/2024 - Attached CPM is insufficient to satisfy the exception. -- Finding remains. Missing HOA Questionnaire. Per guidelines, Fannie Mae form 1076 or equivalent project questionnaire required on all reviews, except: Detached condo units. <br>NOTE: CD reflects HOA Cert Fee paid at closing | Client: EV2/B - Investor acknowledged exception. | Funded C B |
| 900001242 | XXXX | 1082944 | 09/24/2024 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | Master policy and project approval name does not match the appraisal. This discrepancy has not been addressed. No project documentation in the file (see COND 0002) to verify these are one and the same. | 10/23/2024 | Verified reserves - Borrower has 16 plus months reserves which exceeds minimum 2 months required per guidelines.; Disposable Income - Borrower has $XX in verified XX income.; | 10/22/2024 - Exception is cleared with the updated appraisal report; project name updated. | 10/22/2024 - Exception is cleared with the updated appraisal report; project name updated. - 10/22/2024 - Exception is cleared with the updated appraisal report; project name updated. | Funded C A |
| 900001318 | XXXX | 1082663 | 09/21/2024 | Credit | Flood Insurance Amount is Insufficient | FLOOD 0004 | 1 | Closed | Missing insurer's replacement cost estimate. Flood coverage in the amount of $xxx is not sufficient. Per FNMA Selling guide, flood coverage must be equal to the lesser of:<br>-100% of the replacement cost value of the improvements, no replacement cost estimator<br>- the maximum coverage amount available from NFIP, which is $xxx<br>- the unpaid principal balance (UPB) subject $xxx + 1st mortgage $xxx = $xxx. | 12/23/2024 | Verified housing payment history - 167 combined months of mortgage payment history paid 0x30 per credit report. ; Verified employment history - Borrower has xxx years employment with the same employer.; Verified credit history - Representative credit score of 784 when guidelines require a minimum of 700 for 85% CLTV. All credit history paid 0x30 per credit report. ; Low DTI - 28.12% calculated DTI when guidelines allow up to 45%.; | 11/01/2024 - Recd response from flood insurer that there is no RCE.<br>--Finding remains. Lender to request an exception for flood coverage < FNMA required. | 12/23/2024 - Recd revised flood policy with coverage of $xxx, sufficient to cover first and second mortgage. - 12/23/2024 - Recd revised flood policy with coverage of $xxx, sufficient to cover first and second mortgage. | Funded C A |
| 900001318 | XXXX | 1082830 | 09/24/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing title commitment/final title policy with Insured amount of $xxx. Commitment in file reflects proposed policy of $xxx. | 11/07/2024 | Verified housing payment history - 167 combined months of mortgage payment history paid 0x30 per credit report. ; Verified employment history - Borrower has xxx years employment with the same employer.; Verified credit history - Representative credit score of 784 when guidelines require a minimum of 700 for 85% CLTV. All credit history paid 0x30 per credit report. ; Low DTI - 28.12% calculated DTI when guidelines allow up to 45%.; | 11/01/2024 - Exception is cleared with the attached corrected title commitment reflecting policy amount of $xxx. | 11/01/2024 - Exception is cleared with the attached corrected title commitment reflecting policy amount of $xxx. - 11/01/2024 - Exception is cleared with the attached corrected title commitment reflecting policy amount of $xxx. | Funded C A |
| 900001318 | XXXX | 1082947 | 09/24/2024 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing SSN verification used to address the fraud alert related to SSN discrepancy and date of birth. | 11/07/2024 | Verified housing payment history - 167 combined months of mortgage payment history paid 0x30 per credit report. ; Verified employment history - Borrower has xxx years employment with the same employer.; Verified credit history - Representative credit score of 784 when guidelines require a minimum of 700 for 85% CLTV. All credit history paid 0x30 per credit report. ; Low DTI - 28.12% calculated DTI when guidelines allow up to 45%.; | 11/01/2024 - Recd SS verification, result is a match. | 11/01/2024 - Recd SS verification, result is a match. - 11/01/2024 - Recd SS verification, result is a match. | Funded C A |
| 900001267 | XXXX | 1082709 | 09/23/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Variance $XX. HOA per appraisal is $XX annually / $XX monthly. 1008 has $XX. |  | Verified employment history - The borrower has been with their current employer for 10+ years.; Verified reserves - No reserves required, borrower has 5 plus months reserves or $XX in XX and is receiving an additional 29 plus months or $XX in cash out proceeds.; | 10/24/2024 - Exception is downgraded to EV2/B with the attached cover letter for PCCD with evidence of email to borrower. PCCD previously received XX/XX/XX.<br>10/18/2024 - Recd PCCD with 11 months property costs disclosed. -- Finding remains. Exception can be be downgraded to EV2/B upon receipt of the cover letter addressed to borrower explaining the reason for re-disclosure. US Mailbox to be applied. | Client: 10/24/2024 - Exception is downgraded to EV2/B with the attached cover letter for PCCD with evidence of email to borrower. PCCD previously received XX/XX/XX. | Funded C B |
| 900001267 | XXXX | 1082716 | 09/23/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified employment history - The borrower has been with their current employer for 10+ years.; Verified reserves - No reserves required, borrower has 5 plus months reserves or $XX in XX and is receiving an additional 29 plus months or $XX in cash out proceeds.; |  | Client: EV2 Non-Material | Funded C B |
| 900001267 | XXXX | 1082815 | 09/23/2024 | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 1 | Closed | Hazard insurance coverage reflects dwelling protection of $XX. The replacement cost estimator reflects estimated reconstruction cost $XX. Missing evidence of replacement cost coverage. | 11/07/2024 | Verified employment history - The borrower has been with their current employer for 10+ years.; Verified reserves - No reserves required, borrower has 5 plus months reserves or $XX in XX and is receiving an additional 29 plus months or $XX in cash out proceeds.; | 11/01/2024 - Recd policy declarations confirming replacement cost is $XX, which is the amount of dwelling coverage.<br>10/24/2024 - Recd the same documentation provided in file. <br>Per agency, <br>1) Compare the replacement cost value of the improvements $XX to the unpaid principal balance (UPB) of the loan $XX.<br>1A) If the replacement cost value of the improvements $XX is less than the UPB $XX, the replacement cost value is the amount of coverage required.<br>Dwelling Coverage $XX< RCE $XX. | 11/01/2024 - Recd policy declarations confirming replacement cost is $XX, which is the amount of dwelling coverage. - 11/01/2024 - Recd policy declarations confirming replacement cost is $XX, which is the amount of dwelling coverage. | Funded C A |
| 900001267 | XXXX | 1082817 | 09/23/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing final approval. Approval in the file reflects interest rate X.XX%, appraised value $XX. The actual Note rate is X.XX% and appraised value is $XX. | 10/25/2024 | Verified employment history - The borrower has been with their current employer for 10+ years.; Verified reserves - No reserves required, borrower has 5 plus months reserves or $XX in XX and is receiving an additional 29 plus months or $XX in cash out proceeds.; | 10/24/2024 - Exception is cleared with the attached updated loan approval.<br>10/01/2024 - Recd the same underwriting decision provided in file. Missing is the updated approval reflecting final terms, the correct interest rate of X.XX% and appraisal value of $XX. | 10/24/2024 - Exception is cleared with the attached updated loan approval. - 10/24/2024 - Exception is cleared with the attached updated loan approval. | Funded C A |
| 900001267 | XXXX | 1087329 | 11/07/2024 | Property | Property Inspection Date is prior to disaster declaration begin date | FEMA 0001 | 2 | Acknowledged | Missing post-disaster property inspection. Subject is located in a FEMA declared disaster area. |  | Verified employment history - The borrower has been with their current employer for 10+ years.; Verified reserves - No reserves required, borrower has 5 plus months reserves or $XX in XX and is receiving an additional 29 plus months or $XX in cash out proceeds.; | 11/12/2024 - Recd Disaster Inspection Report confirming no damage to subject. Appraiser did not certify no change in value. (NOTE: Form 1004D not used). <br>--EV2/B - Investor acknowledged exception, no apparent damage cited.<br>| Client: EV2/B - Investor acknowledged exception, no apparent damage cited. | Funded C B |
| 900001264 | XXXX | 1082679 | 09/23/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing a valid COC or general credit for the addition of the second XX Fee and an increase to the XX Fee. |  | Low DTI - 40.26% DTI is below 50% maximum per guidelines.; Verified credit history - 809 Credit score exceeds minimum 680 required per guidelines.; | 11/07/2024 - Exception is downgraded to EV2/B with the attached PCCD, restitution check, cover letter, and courier tracking receipt to evidence delivery to borrower was completed within 60 days from discovery.<br>10/01/2024 - Lender is requesting cost to cure. Tolerance violation of $XX is due to the addition of $XX for XX Fee and increase to XX fee of $XX. | Client: 11/07/2024 - Exception is downgraded to EV2/B with the attached PCCD, restitution check, cover letter, and courier tracking receipt to evidence delivery to borrower was completed within 60 days from discovery. | Funded C B |
| 900001209 | XXXX | 1082828 | 09/23/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Low DTI - 35.80% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has verified monthly disposable income of $XX.; |  | Client: EV2 - Immaterial issue | Sold C B |
| 900001209 | XXXX | 1082829 | 09/23/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>|  | Low DTI - 35.80% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has verified monthly disposable income of $XX.; |  | Client: EV2 - Non-Material issue | Sold C B |
| 900001209 | XXXX | 1083113 | 09/25/2024 | Credit | Missing Required Fraud Tool | CRED 0089 | 1 | Closed | Missing fraud tool with all items addressed. No fraud tool in the file. | 09/27/2024 | Low DTI - 35.80% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has verified monthly disposable income of $XX.; |  | 9/26/2024 - Fraud report recd, all findings sufficiently addressed - 9/26/2024 - Fraud report recd, all findings sufficiently addressed | Sold C A |
| 900001209 | XXXX | 1083148 | 09/25/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Loan approval not in file, only the unsigned 1008. | 09/27/2024 | Low DTI - 35.80% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has verified monthly disposable income of $XX.; |  | 9/26/2024 - Lender approval recd - 9/26/2024 - Lender approval recd | Sold C A |
| 900001221 | XXXX | 1082913 | 09/24/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Missing final title policy to verify certain Schedule B exceptions were cleared. | 09/26/2024 | Verified reserves - No reserves required, borrower is receiving 26 plus months PITIA reserves or $XX in cash out proceeds.; Verified credit history - FICO 754, minimum required 680.; |  | 09/26/24 - Error, finding cleared. - 09/26/24 - Error, finding cleared. | Sold C A |
| 900001221 | XXXX | 1082929 | 09/24/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>|  | Verified reserves - No reserves required, borrower is receiving 26 plus months PITIA reserves or $XX in cash out proceeds.; Verified credit history - FICO 754, minimum required 680.; |  | Client: EV2 Non-Material | Sold C B |
| 900001221 | XXXX | 1083138 | 09/25/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. | 09/27/2024 | Verified reserves - No reserves required, borrower is receiving 26 plus months PITIA reserves or $XX in cash out proceeds.; Verified credit history - FICO 754, minimum required 680.; |  | 9/26/2024 - Lender Approval recd - 9/26/2024 - Lender Approval recd | Sold C A |
| 900001208 | XXXX | 1083041 | 09/25/2024 | Credit | Missing Lender Project Condo Classification | COND 0010 | 1 | Closed | Missing project condo questionnaire as required per guidelines. | 10/02/2024 | Low DTI - 39.90% DTI is below 45% maximum per guidelines.; Low LTV/CLTV/HCLTV - 43.58% CLTV is below 85% maximum per guidelines.; | 10/01/2024 - Exception is cleared with the attached HOA Questionnaire. | 10/01/2024 - Exception is cleared with the attached HOA Questionnaire. - 10/01/2024 - Exception is cleared with the attached HOA Questionnaire. | Sold C A |
| 900001220 | XXXX | 1082922 | 09/24/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 2 | Acknowledged | Missing COC for LE issued XX/XX/XX. Appraised value decreased, rate increased. No fee violation due to this LE. |  | Verified housing payment history - 78 combined months of mortgage payment history paid 0x30 per credit report.; Verified employment history - Co-borrower has been employed with same employer for 10 years.; |  | Client: EV2 Non-Material no fee violations. | Sold C B |
| 900001220 | XXXX | 1083220 | 09/26/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and/or Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations |  | Verified housing payment history - 78 combined months of mortgage payment history paid 0x30 per credit report.; Verified employment history - Co-borrower has been employed with same employer for 10 years.; |  | Client: EV2 Non-Material | Sold C B |
| 900001222 | XXXX | 1083020 | 09/24/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>|  | Verified reserves - No reserves required, borrower is receiving 9 plus months PITIA reserves or $XX in cash out proceeds.; |  | Client: EV2 Non-Material | Sold C B |
| 900001222 | XXXX | 1083127 | 09/25/2024 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing Legal Description on Mortgage/DOT. Document states it is attached as Exhibit A but no exhibit A included. | 09/27/2024 | Verified reserves - No reserves required, borrower is receiving 9 plus months PITIA reserves or $XX in cash out proceeds.; |  | 9/26/2024 - Recd DOT with Legal Description included - 9/26/2024 - Recd DOT with Legal Description included | Sold C A |
| 900001222 | XXXX | 1083145 | 09/25/2024 | Credit | Credit Score (FICO) exception | CRED 0003 | 2 | Acknowledged | The borrower's mid fico of 670 does not meet the minimum requirement of 680 per guideline. |  | Verified reserves - No reserves required, borrower is receiving 9 plus months PITIA reserves or $XX in cash out proceeds.; | 09/26/24 - Investor approved exception form dated XX/XX/XX received. | Client: Investor Acknowledged Exception | Sold C B |
| 900001222 | XXXX | 1083146 | 09/25/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval, only the unsigned 1008 is in the file. | 09/27/2024 | Verified reserves - No reserves required, borrower is receiving 9 plus months PITIA reserves or $XX in cash out proceeds.; |  | 9/26/2024 - Lender approval received - 9/26/2024 - Lender approval received | Sold C A |
| 900001262 | XXXX | 1083172 | 09/26/2024 | Property | Post Closing AVM Review Variance is not within tolerance | AVM 0002 | 2 | Acknowledged | VM has a confidence of 80 which is below required minimum of 87. Additional XX required. |  | Low LTV/CLTV/HCLTV - 57.05% DTI is below 75% maximum per guidelines.; Disposable Income - Borrowers have $XX in verified monthly XX income.; | 11/04/2024 - Investor acknowledged exception. Post-closing VM < 10% variance from the original value. LTV increased to 57.05% (Max 75%). | Client: 11/04/2024 - Investor acknowledged exception. Post-closing VM < 10% variance from the original value. LTV increased to 57.05% (Max 75%). | Funded C B |
| 900001262 | XXXX | 1083263 | 09/26/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. | 10/30/2024 | Low LTV/CLTV/HCLTV - 57.05% DTI is below 75% maximum per guidelines.; Disposable Income - Borrowers have $XX in verified monthly XX income.; | 10/25/2024 - Exception is cleared with the attached underwriting conditional approval.<br>10/11/2024 - Attached underwriting conditional approval does not reflect the loan approval date. -- Finding remains. Missing Underwriting Conditional Approval reflecting date the loan was approved to document in file.<br>10/01/2024 - Attached underwriting conditional approval does not reflect the loan approval date. | 10/25/2024 - Exception is cleared with the attached underwriting conditional approval. - 10/25/2024 - Exception is cleared with the attached underwriting conditional approval. | Funded C A |
| 900001206 | XXXX | 1083156 | 09/25/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Homeowner homeownership counseling disclosure not in file. Esign shows sent on XX/XX/XX. | 09/27/2024 | Low LTV/CLTV/HCLTV - 46.92% CLTV is below 85% maximum per guidelines.; Verified credit history - 743 Credit score exceeds minimum 680 required per guidelines.; |  | 9/26/2024 - Housing Counseling disclosure recd - 9/26/2024 - Housing Counseling disclosure recd | Sold C A |
| 900001206 | XXXX | 1083161 | 09/25/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD XX/XX/XX APR 9.858%<br>CD XX/XX/XX APR 9.858%<br>CD XX/XX/XX executed XX/XX/XX APR 9.721%<br>reduction 0.137%. |  | Low LTV/CLTV/HCLTV - 46.92% CLTV is below 85% maximum per guidelines.; Verified credit history - 743 Credit score exceeds minimum 680 required per guidelines.; |  | Client: EV2 Non-Material- APR Decreased, benefit to borrower. | Sold C B |
| 900001206 | XXXX | 1083237 | 09/26/2024 | Compliance | Missing Net-tangible Benefit worksheet | NTB 0001 | 1 | Closed | Missing Net-tangible Benefit worksheet. | 09/27/2024 | Low LTV/CLTV/HCLTV - 46.92% CLTV is below 85% maximum per guidelines.; Verified credit history - 743 Credit score exceeds minimum 680 required per guidelines.; |  | 9/26/2024 - Net Tangible Benefit disclosure recd - 9/26/2024 - Net Tangible Benefit disclosure recd | Sold C A |
| 900001279 | XXXX | 1083278 | 09/26/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | The title commitment reflects proposed insured amount of $xxx, loan amount $xxx. Survey and Mechanics lien exceptions appear on schedule B. Missing final title policy to verify the correct insured amount and no survey or mechanics liens appear.<br>| 11/15/2024 | Verified employment history - Borrower has been employed with same employer for xxx years.; Verified credit history - Representative credit score is 784 when guideline requires 700. ; Verified housing payment history - 134 combined months of mortgage payment history paid 0x30 per credit report for both borrower's primary residence and additional investment property owned. ; | 11/14/2024 - Exception is cleared with the attached copy of the final title that is insured for the loan amount; includes Alta 8.1, Alta 9-06, CO Form 110.1 Deletion of Exception(s) 1 thru 5, and Alta 5.1-06.<br>10/01/2024 - Updated title commitment. \*\* Finding remains. Still missing final title policy. | 11/14/2024 - Recd final title insured for the loan amount; includes Alta 8.1, Alta 9-06, CO Form 110.1 Deletion of Exception(s) 1 thru 5, and Alta 5.1-06. - 11/14/2024 - Recd final title insured for the loan amount; includes Alta 8.1, Alta 9-06, CO Form 110.1 Deletion of Exception(s) 1 thru 5, and Alta 5.1-06. | Funded C A |
| 900001279 | XXXX | 1083387 | 09/27/2024 | Property | Appraisal is Incomplete | APPR 0002 | 2 | Acknowledged | Missing full appraisal. Per the property condition report the subject is rural. This requires a full appraisal with marketing time of 6 months or less and at least two comparable sales within 3 miles. See also PROP 0002. |  | Verified employment history - Borrower has been employed with same employer for xxx years.; Verified credit history - Representative credit score is 784 when guideline requires 700. ; Verified housing payment history - 134 combined months of mortgage payment history paid 0x30 per credit report for both borrower's primary residence and additional investment property owned. ; | 11/18/2024 - Investor Acknowledged Exception. | Client: 11/18/2024 - Investor Acknowledged Exception. | Funded C B |
| 900001279 | XXXX | 1083391 | 09/27/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Per the property condition report the subject is rural. Per guideline prior approval is required for rural properties. See also APPR 0002.<br>|  | Verified employment history - Borrower has been employed with same employer for xxx years.; Verified credit history - Representative credit score is 784 when guideline requires 700. ; Verified housing payment history - 134 combined months of mortgage payment history paid 0x30 per credit report for both borrower's primary residence and additional investment property owned. ; | 11/18/2024 - Investor Acknowledged Exception. | Client: 11/18/2024 - Investor Acknowledged Exception. | Funded C B |
| 900001279 | XXXX | 1083401 | 09/27/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Confirm association between (borrower's employer) and (company) who is reflected as employer on (3rd party VOI) (p. 165). No evidence of association with (company) was located in file. | 10/30/2024 | Verified employment history - Borrower has been employed with same employer for xxx years.; Verified credit history - Representative credit score is 784 when guideline requires 700. ; Verified housing payment history - 134 combined months of mortgage payment history paid 0x30 per credit report for both borrower's primary residence and additional investment property owned. ; | 10/28/2024 - Exception is cleared with the attached internet search confirming company name on the 3rd party VOI is a payroll company. 3rd party VOI company address matches the income documentation in file. Direct WVOE from employer provided in file is supported by paystub and W2.<br>10/18/2024 - Recd the same documentation provided in file. -- Finding remains. Employer name on (3rd party VOI) does not match to the income documentation in file. Missing verification from employer that (company) is the payroll provider, not an affiliate. | 10/28/2024 - Exception is cleared with the attached internet search confirming company name on the 3rd party VOI is a payroll company. 3rd party VOI company address matches the income documentation in file. Direct WVOE from employer provided in file is supported by paystub and W2.<br>- 10/28/2024 - Exception is cleared with the attached internet search confirming company name on the 3rd party VOI is a payroll company. 3rd party VOI company address matches the income documentation in file. Direct WVOE from employer provided in file is supported by paystub and W2. | Funded C A |
| 900001279 | XXXX | 1083449 | 09/27/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing Lender Loan approval. Only the unsigned 1008 in file. | 10/01/2024 | Verified employment history - Borrower has been employed with same employer for xxx years.; Verified credit history - Representative credit score is 784 when guideline requires 700. ; Verified housing payment history - 134 combined months of mortgage payment history paid 0x30 per credit report for both borrower's primary residence and additional investment property owned. ; | 10/01/2024 - Recd underwriter decision. | 10/01/2024 - Recd underwriter decision. - 10/01/2024 - Recd underwriter decision. | Funded C A |
| 900001279 | XXXX | 1083451 | 09/27/2024 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | The borrower is using rental income (non-subject reo), missing (most recent year) tax return to calculate rental income or evidence of extension to justify using the lease instead of tax return. Per the borrower LOE they moved into the subject (date), since this property was a rental for the entire prior year the tax return should be used. | 11/11/2024 | Verified employment history - Borrower has been employed with same employer for xxx years.; Verified credit history - Representative credit score is 784 when guideline requires 700. ; Verified housing payment history - 134 combined months of mortgage payment history paid 0x30 per credit report for both borrower's primary residence and additional investment property owned. ; | 11/07/2024 - Recd most recent year tax return.<br>10/29/2024 - Exception is partially cleared with the attached most recent year tax transcript and income calculator.<br>--Finding remains. Missing most recent year 1040. Per (agency), in certain instances, copies of the actual returns, schedules, or forms are needed because the tax return transcripts will not provide the detail required to qualify the borrower. For example, the lender must obtain copies of Schedules B through F, Schedule K-1, or business returns. These schedules or forms are not required if:<br>the income reflected on the applicable schedule transcripts is positive, and<br>the income supported by that schedule or form is not being used for qualifying.<br>| 11/07/2024 - Recd most recent year tax return.<br>- 11/07/2024 - Recd most recent year tax return. | Funded C A |
| 900001214 | XXXX | 1083346 | 09/27/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Per guideline, XX property requires prior approval and is subject to 10% LTV reduction. |  | Low DTI - 34.07% DTI is below 50% maximum per guidelines.<br>; Disposable Income - Borrower has verified XX income of $XX.; |  | Client: Investor acknowledged exception. | Sold C B |
| 900001224 | XXXX | 1083254 | 09/26/2024 | Compliance | Missing Intent to Proceed | TRID 0130 | 1 | Closed | Missing the Intent to proceed. ITP in file is not executed by the borrowers. Electronic Tracking does not include proof of signing. | 10/01/2024 | Verified employment history - B1 has been employed with current employer 4+ years and B2 employed with same employer for 9+ years. ; Verified housing payment history - 73 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly payments. ; Verified credit history - 758 representative credit score when guidelines require a minimum of 700. ; | 09/30/2024 - Exception is cleared with the attached borrower electronically signed ITP form. | 09/30/2024 - Exception is cleared with the attached borrower electronically signed ITP form. - 09/30/2024 - Exception is cleared with the attached borrower electronically signed ITP form. | Sold C A |
| 900001258 | XXXX | 1083463 | 09/27/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Missing copy of the initial Homeownership Counseling Disclosure. | 10/11/2024 | Low DTI - 26.21% DTI is below 50% maximum per guidelines.; Verified reserves - Borrowers have 13 plus months verified reserves when guidelines do not require reserves.; | 10/08/2024 - Exception is cleared with the attached Homeownership Counseling disclosure with 10 agencies disclosed. | 10/08/2024 - Exception is cleared with the attached Homeownership Counseling disclosure with 10 agencies disclosed. - 10/08/2024 - Exception is cleared with the attached Homeownership Counseling disclosure with 10 agencies disclosed. | Funded C A |
| 900001258 | XXXX | 1083468 | 09/27/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | Initial CD APR 8.884%<br>Final CD APR 8.622% |  | Low DTI - 26.21% DTI is below 50% maximum per guidelines.; Verified reserves - Borrowers have 13 plus months verified reserves when guidelines do not require reserves.; |  | Client: EV2 - Non-Material issue, APR decreased, benefit to borrower | Funded C B |
| 900001258 | XXXX | 1083469 | 09/27/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | The final CD first page reflects XX costs checked as escrowed and CD page 4 reflects the borrowers will have an escrow account. Subject loan is not escrowed. |  | Low DTI - 26.21% DTI is below 50% maximum per guidelines.; Verified reserves - Borrowers have 13 plus months verified reserves when guidelines do not require reserves.; | 10/11/2024 - Exception is downgraded to EV2/B with the attached PCCD, Cover Letter, and Courier Tracking Receipt to evidence cure package is in transit to borrower within 60 days from discovery.<br>10/07/2024 - Attached XX is insufficient to satisfy the exception. -- Finding remains. CD inaccurately disclosed having an escrow account. | Client: 10/11/2024 - Exception is downgraded to EV2/B with the attached PCCD, Cover Letter, and Courier Tracking Receipt to evidence cure package is in transit to borrower within 60 days from discovery. | Funded C B |
| 900001258 | XXXX | 1083470 | 09/27/2024 | Compliance | Document Intent to Proceed with the Transaction | TRID 0047 | 1 | Closed | Missing executed Intent to Proceed. | 10/08/2024 | Low DTI - 26.21% DTI is below 50% maximum per guidelines.; Verified reserves - Borrowers have 13 plus months verified reserves when guidelines do not require reserves.; | 10/07/2024 - Exception is cleared with the attached Intent to Proceed. | 10/07/2024 - Exception is cleared with the attached Intent to Proceed. - 10/07/2024 - Exception is cleared with the attached Intent to Proceed. | Funded C A |
| 900001258 | XXXX | 1083583 | 10/01/2024 | Credit | Missing Payoff/Demand Statement | DMND 0003 | 1 | Closed | Missing borrower executed authorization to pay and close 2nd lien account. | 10/23/2024 | Low DTI - 26.21% DTI is below 50% maximum per guidelines.; Verified reserves - Borrowers have 13 plus months verified reserves when guidelines do not require reserves.; | 10/22/2024 - Exception is cleared with the attached copy of the final title policy; 2nd lien paid at closing is no longer reflected on Schedule B.<br>10/21/2024 - Recd letter from borrower, The XX account will be paid and closed. -- Finding remains. Missing credit supplement evidencing the XX account has been paid and closed.<br>10/07/2024 - Recd payoff statement. Missing is borrower executed authorization to pay and close. | 10/22/2024 - Exception is cleared with the attached copy of the final title policy; 2nd lien paid at closing is no longer reflected on Schedule B. - 10/22/2024 - Exception is cleared with the attached copy of the final title policy; 2nd lien paid at closing is no longer reflected on Schedule B. | Funded C A |
| 900001258 | XXXX | 1084881 | 10/11/2024 | Compliance | Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) | TRID 0166 | 2 | Acknowledged | NEW 10/11/24 - RECD PCCD (TRID 0206): Missing detail as to how the disclosed credit $XX was to be applied. -- Disclosed Total of Payments of $XX on CD issued at closing is $XX less than the corrected Total of Payments of $XX disclosed on PCCD. This exceeds the $35 threshold for rescindable transactions. Requires LOE, PCCD, refund, re-opening of rescission period and evidence of receipt by borrower. |  | Low DTI - 26.21% DTI is below 50% maximum per guidelines.; Verified reserves - Borrowers have 13 plus months verified reserves when guidelines do not require reserves.; | 11/07/2024 - Exception re-reviewed. Presentment on XX/XX/XX included 2 courier tracking slips, tracking #XX reflects delivered. Exception is downgraded to EV2/B with cure package presented XX/XX/XX.<br>11/03/2024 - Recd copy of cover letter, PCCD, refund check $XX, ROR form w/ expiration (date), courier tracking receipt (tracking number), and proof of delivery (date). <br>--Finding remains. Proof of delivery (tracking number) does not match to the courier tracking receipt included with curative package. Discrepancy is to be addressed. Proof of delivery does not reflect the delivery address.<br>10/15/2024 - Lender posted response is insufficient to satisfy the exception. Per SFIG 4.0, For loans with a consummation date on or after 10/10/2017, the applicable under disclosure tolerance will be $35.00 for rescindable transactions and $100.00 for non-rescindable transactions. | Client: 11/07/2024 - Exception re-reviewed. Presentment on XX/XX/XX included 2 courier tracking slips, tracking #XX reflects delivered. Exception is downgraded to EV2/B with cure package presented XX/XX/XX. | Funded C B |
| 900001244 | XXXX | 1083487 | 09/30/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval, only the unsigned 1008 is in the file. | 10/09/2024 | Low LTV/CLTV/HCLTV - 58.13% CLTV is below 85% maximum per guidelines.; Low DTI - 37.04% DTI is below 50% maximum per guidelines.; | 10/09/2024 - Exception is cleared with the attached underwriting decision. | 10/09/2024 - Exception is cleared with the attached underwriting decision. - 10/09/2024 - Exception is cleared with the attached underwriting decision. | Funded C A |
| 900001244 | XXXX | 1083489 | 09/30/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Homeownership Counseling Disclosure not in the file. Initial Disclosure tracking reflects it was sent but copy was not provided, unable to confirm 10 agencies were disclosed. | 10/24/2024 | Low LTV/CLTV/HCLTV - 58.13% CLTV is below 85% maximum per guidelines.; Low DTI - 37.04% DTI is below 50% maximum per guidelines.; | 10/09/2024 - Exception is partially cleared with the attached borrower acknowledgement of receipt of the homeownership counseling disclosure. Missing is a copy of the disclosure. Review is unable to confirm 10 agencies were disclosed. | 10/24/24 - Homeownership Counseling Disclosure dated XX/XX/XX received. - 10/24/24 - Homeownership Counseling Disclosure dated XX/XX/XX received. | Funded C A |
| 900001281 | XXXX | 1083536 | 09/30/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval, only the unsigned 1008 is in the file. | 10/07/2024 | Verified housing payment history - Borrowers have a verified housing payment history of 0x30x47 which exceeds the minimum required 0x30x24.; Verified credit history - Borrowers have a credit score of 741 which exceeds the minimum required 700 per guidelines.; | 10/04/2024 - Exception is cleared with the attached underwriting decision. | 10/04/2024 - Exception is cleared with the attached underwriting decision. - 10/04/2024 - Exception is cleared with the attached underwriting decision. | Funded C A |
| 900001281 | XXXX | 1083639 | 10/01/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing verification of self-employment for both borrowers confirming a minimum 2 years in business and percentage owned.<br>XXXX | 10/10/2024 | Verified housing payment history - Borrowers have a verified housing payment history of 0x30x47 which exceeds the minimum required 0x30x24.; Verified credit history - Borrowers have a credit score of 741 which exceeds the minimum required 700 per guidelines.; | 10/04/2024 - Attached EIN letters and Google searches have been escalated to investor to review. Missing 24 months verification of self-employment. | 10/10/2024 - Recd EIN letters confirming sole membership for both businesses, and SOS searches confirming both businesses were incorporated in (year). - 10/10/2024 - Recd EIN letters confirming sole membership for both businesses, and SOS searches confirming both businesses were incorporated in (year). | Funded C A |
| 900001281 | XXXX | 1083663 | 10/02/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | 61.89% DTI exceeds maximum 45% per guidelines. Variance due to lender using total net deposits as income for Borrower 1 instead of reducing the income by the expense factor percentage, see lender calculation. | 11/19/2024 | Verified housing payment history - Borrowers have a verified housing payment history of 0x30x47 which exceeds the minimum required 0x30x24.; Verified credit history - Borrowers have a credit score of 741 which exceeds the minimum required 700 per guidelines.; | 11/15/2024 - Recd updated income calc, 1008, and 1003; B2 income removed and B1 income re-calculated resulting in a new DTI 40.35%. Update to the 1003 is not considered material requiring borrower acknowledgement since the income/employment was verified and not used and DTI < Max. NOTE: Updated income/DTI included remote deposits and applied the 50% expense factor. It is typical for businesses to process deposits via remote deposit. LOX addressing large deposits confirm source as business deposits (Presentment xx/xx).<br>11/14/2024 - Exception re-reviewed. DTI < Max allowed when adding back the remote deposits and applying the 50% expense factor. It is typical for businesses to process deposits via remote deposit. LOX addressing large deposits confirm source as business deposits (Presentment xx/xx). Exception can be cleared upon receipt of an updated bank statement calculator/1008/1003; remote deposits and 50% expense factor to be applied.<br>11/11/2024 - Attached LOX addressing large deposits is insufficient to satisfy the exception.<br>--Finding remains. Expense ratio not applied to qualifying income. Per guidelines, Business BS Income Calculation: <br>Fixed Income Expense Ratio:<br>50% - most business types (must be reasonable for business type)<br>Lower of 1) the average of eligible deposits x 50% (12 or 24 months) x ownership percentage and 2) income on initial signed 1003. | 11/15/2024 - Recd updated income calc, 1008, and 1003; B2 income removed and B1 income re-calculated resulting in a new DTI 40.35%. Update to the 1003 is not considered material requiring borrower acknowledgement since the income/employment was verified and not used and DTI < Max. NOTE: Updated income/DTI included remote deposits and applied the 50% expense factor. It is typical for businesses to process deposits via remote deposit. LOX addressing large deposits confirm source as business deposits (Presentment xx/xx). - 11/15/2024 - Recd updated income calc, 1008, and 1003; B2 income removed and B1 income re-calculated resulting in a new DTI 40.35%. Update to the 1003 is not considered material requiring borrower acknowledgement since the income/employment was verified and not used and DTI < Max. NOTE: Updated income/DTI included remote deposits and applied the 50% expense factor. It is typical for businesses to process deposits via remote deposit. LOX addressing large deposits confirm source as business deposits (Presentment xx/xx). | Funded C A |
| 900001234 | XXXX | 1083779 | 10/02/2024 | Credit | Income Calculation Discrepancy | CRED 0084 | 2 | Acknowledged | Review DTI 46.39% / Approved DTI 38.90% (45% Max), variance > 3%. Borrower is obligated to pay XX on (obligation), thus review included full $XX. Lender qualified the borrower using 50% of the expense on XX since the XX indicates 50% ownership in XX. |  | Verified credit history - 744 Borrower credit score exceeds minimum 720 per guidelines.; Low LTV/CLTV/HCLTV - 54.44% CLTV is below 80% maximum per guidelines.; |  | Mitigated Risk: EV2/B Non-Material - Borrower meets requirements to allow DTI up to 50%. | Funded C B |
| 900001250 | XXXX | 1083662 | 10/01/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified housing payment history - Borrower has a housing history of 0x30x35 which exceeds minimum 0x30x24.; Low LTV/CLTV/HCLTV - 68.99% CLTV is below maximum 85% maximum per guidelines.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001250 | XXXX | 1083721 | 10/02/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XX Transcripts for the year(s) of XXXX - XXXX. | 10/24/2024 | Verified housing payment history - Borrower has a housing history of 0x30x35 which exceeds minimum 0x30x24.; Low LTV/CLTV/HCLTV - 68.99% CLTV is below maximum 85% maximum per guidelines.; |  | 10/24/24 - Missing XX Transcripts received. - 10/24/24 - Missing XX Transcripts received. | Funded C A |
| 900001231 | XXXX | 1083904 | 10/03/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. | 10/09/2024 | Low DTI - 23.48% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $XX in XX income.; | 10/08/2024 - Exception is cleared with the Underwriting Decision. | 10/08/2024 - Exception is cleared with the Underwriting Decision. - 10/08/2024 - Exception is cleared with the Underwriting Decision. | Funded C A |
| 900001223 | XXXX | 1083930 | 10/04/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | XX property requires prior approval. |  | Verified housing payment history - Borrowers have verified housing payment history of 0x30x41 which exceeds minimum 0x30x24.; Verified employment history - Borrower 1 has been on current job 5 plus years, Borrower 2 has been on current job 19 plus years.; |  | Client: EV2 Lender Acknowledged Exception. | Sold C B |
| 900001278 | XXXX | 1084298 | 10/07/2024 | Property | Missing Required Property Inspection | PROP 0003 | 2 | Acknowledged | Missing post-disaster property inspection; subject is located in a declared disaster area. |  | Verified employment history - Borrower has been on current job 23 plus years.; Verified housing payment history - Borrower has mortgage payment history of 0X30X50 which exceeds minimum 0x30x24.; | 11/15/2024 - Investor acknowledged exception, no apparent damage cited.<br>11/11/2024 - Recd Disaster Inspection Report confirming no damage to subject.<br>--Finding remains. Appraiser did not certify no change in value. NOTE: (agency form) not used. Per GL, The appraiser may perform an inspection (agency form) and comment on the event and certify that there has been no change to the value.<br>| Client: EV2/B - Investor acknowledged exception, no apparent damage cited. | Funded C B |
| 900001269 | XXXX | 1084074 | 10/06/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. 1008 used for ratios. | 10/09/2024 | Low DTI - 37.09% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower has been on current job 16 plus years.; | 10/09/2024 - Exception is cleared with the attached underwriting decision. | 10/09/2024 - Exception is cleared with the attached underwriting decision. - 10/09/2024 - Exception is cleared with the attached underwriting decision. | Funded D A |
| 900001269 | XXXX | 1084076 | 10/06/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 2 | Acknowledged | Missing final settlement statement and/or final CD to verify the loan disbursement date (Dry funding state). Final CD disbursement date is same date as ROR expiration date. |  | Low DTI - 37.09% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower has been on current job 16 plus years.; | 11/07/2024 - Recd cover letter addressed to borrower regarding PCCD. Exception is downgraded to EV2/B with the attached, borrower endorsed restitution check (Refer X/XX), and PCCD (Refer XX/XX).<br>11/05/2024 - Exception is downgraded to EV2/B with the attached image of the restitution check reflecting borrowers signature endorsement on the back, thus evidencing borrower receipt. <br>--Finding remains. Still missing cover letter issued to borrower addressing the reason for the refund.<br>10/29/2024 - Recd copy of check issued to borrower on (date) in the amount of $XX. No evidence of delivery to borrower provided; lender indicates check was sent via USPS. <br>--Finding remains. Missing copy of cancelled check or (bank account) transaction history to evidence the check has cleared the account. <br>10/16/2024 - Attached settlement statement does not reflect $XX credit to cure. Missing copy of refund check, cover letter, with evidence of trackable delivery to borrower completed within 60 days of consummation. <br>10/10/2024 - Exception is partially cleared with the attached dry funding CD. Missing copy of the final settlement statement to confirm $XX credit to cure was disbursed to borrower at closing. | Client: 11/07/2024 - Recd cover letter addressed to borrower regarding PCCD. Exception is downgraded to EV2/B with the attached, borrower endorsed restitution check (Refer XX/XX), and PCCD (Refer XX/XX). | Funded C B |
| 900001269 | XXXX | 1084293 | 10/07/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Approved DTI 42.76% / Review DTI 37.09%, variance > 3%. Qualifying DTI double counted XX escrowed with 1st lien. |  | Low DTI - 37.09% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower has been on current job 16 plus years.; |  | Client: EV2/B Non-Material, Qualifying DTI is greater than review DTI (45% Max Allowed). | Funded C B |
| 900001265 | XXXX | 1084136 | 10/07/2024 | Compliance | Missing LE due to Rate Lock | TRID 0159 | 1 | Closed | Missing LE reflecting rate lock. COC XX/XX/XX states rate locked. Initial LE issued the same date is not locked. | 11/07/2024 | Verified employment history - The borrower has been with their current employer 30 years.; Established credit history - Open active credit dates back 17 plus years with no reported default.; | 11/05/2024 - Exception is cleared with the attached interim LE. | 11/05/2024 - Exception is cleared with the attached interim LE. - 11/05/2024 - Exception is cleared with the attached interim LE. | Funded C A |
| 900001238 | XXXX | 1084353 | 10/08/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing final approval. The approval in the file is missing the approval date and reflects the wrong interest rate, appraised value. | 10/18/2024 | Verified employment history - Borrower has 30 plus years on current job.; Verified credit history - 806 Credit score exceeds minimum 680 per guidelines.; | 10/17/2024 - Exception is cleared with the attached conditional approval printed post-consummation. NOTE: 1008 is dated and underwriter is the same. | 10/17/2024 - Exception is cleared with the attached conditional approval printed post-consummation. NOTE: 1008 is dated and underwriter is the same. - 10/17/2024 - Exception is cleared with the attached conditional approval printed post-consummation. NOTE: 1008 is dated and underwriter is the same. | Funded C A |
| 900001238 | XXXX | 1084372 | 10/08/2024 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing final CD matching the final settlement statement from title, XX fees and cash to borrower on the CD signed at closing (dry funding state) do not match the final borrower statement issued XX/XX/XX. | 10/18/2024 | Verified employment history - Borrower has 30 plus years on current job.; Verified credit history - 806 Credit score exceeds minimum 680 per guidelines.; | 10/17/2024 - Recd cover letter, PCCD, and evidence the disclosure was sent electronically. | 10/17/2024 - Recd cover letter, PCCD, and evidence the disclosure was sent electronically. - 10/17/2024 - Recd cover letter, PCCD, and evidence the disclosure was sent electronically. | Funded D A |
| 900001238 | XXXX | 1085663 | 10/18/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 10/18/2024 | Verified employment history - Borrower has 30 plus years on current job.; Verified credit history - 806 Credit score exceeds minimum 680 per guidelines.; |  | REMOVE: Duplicate of 0195 - REMOVE: Duplicate of 0195 | Funded C A |
| 900001253 | XXXX | 1084398 | 10/08/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval, only the unsigned 1008 reflecting the incorrect interest rate is in the file. | 10/22/2024 | Low LTV/CLTV/HCLTV - 49.13% CLTV is below 85% maximum per guidelines.; Low DTI - 22.04% DTI is below 50% maximum per guidelines.; | 10/22/2024 - Exception is cleared with the attached Loan Approval Conditions.<br>10/18/2024 - "Are you looking for a signed 1008? A loan condition document is not a compliance required document; this is for the convenience of the broker only. Please advise on this stip." -- Finding remains. Missing final lender loan approval, Underwriting Decision, or Loan Commitment reflecting final loan terms and the loan approval date. | 10/22/2024 - Exception is cleared with the attached Loan Approval Conditions. - 10/22/2024 - Exception is cleared with the attached Loan Approval Conditions. | Funded C A |
| 900001253 | XXXX | 1084399 | 10/08/2024 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing evidence of XX costs. | 10/22/2024 | Low LTV/CLTV/HCLTV - 49.13% CLTV is below 85% maximum per guidelines.; Low DTI - 22.04% DTI is below 50% maximum per guidelines.; | 10/21/2024 - Exception is cleared with the attached report. | 10/21/2024 - Exception is cleared with the attached report. - 10/21/2024 - Exception is cleared with the attached report. | Funded C A |
| 900001253 | XXXX | 1084415 | 10/08/2024 | Compliance | NMLS IDs do not match | NMLS 0011 | 1 | Closed | The final 1003 reflects the originator organization NMLS ID as XXXXX, which appears to be the state license ID. The Note, DOT and final CD reflect the originator organization NMLS ID as XXXXX. | 10/25/2024 | Low LTV/CLTV/HCLTV - 49.13% CLTV is below 85% maximum per guidelines.; Low DTI - 22.04% DTI is below 50% maximum per guidelines.; | 10/25/2024 - Exception is cleared with the attached updated 1003.<br>10/22/2024 - "The Note and Mortgages are printing correctly. The license numbers are not printing correctly on the 1003. To cure, this will you accept a corrected final 1003? Please advise if we can send a corrected unsigned copy." -- Finding remains. Exception can be cleared upon receipt of corrected 1003, letter of explanation to borrower addressing the reason for the correction, and evidence the documents were sent to borrower. | 10/25/2024 - Exception is cleared with the attached updated 1003. - 10/25/2024 - Exception is cleared with the attached updated 1003. | Funded C A |
| 900001253 | XXXX | 1084417 | 10/08/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | Initial CD APR 7.76%<br>Final CD APR 7.633% <br>APR decreased 0.127%. |  | Low LTV/CLTV/HCLTV - 49.13% CLTV is below 85% maximum per guidelines.; Low DTI - 22.04% DTI is below 50% maximum per guidelines.; |  | Client: EV2/B Non-Material, decrease to APR is a benefit to borrower. | Funded C B |
| 900001253 | XXXX | 1084621 | 10/09/2024 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Appraisal does not reflect PUD, however there is an HOA assessment invoice, DOT includes a PUD Rider, and title commitment reflects PUD. | 10/25/2024 | Low LTV/CLTV/HCLTV - 49.13% CLTV is below 85% maximum per guidelines.; Low DTI - 22.04% DTI is below 50% maximum per guidelines.; | 10/24/2024 - Exception is cleared with the attached updated appraisal report; reflects detached PUD subject to assessments. | 10/24/2024 - Exception is cleared with the attached updated appraisal report; reflects detached PUD subject to assessments. - 10/24/2024 - Exception is cleared with the attached updated appraisal report; reflects detached PUD subject to assessments. | Funded C A |
| 900001239 | XXXX | 1084514 | 10/09/2024 | Compliance | LE or CD Projected Payments Section is Deficient | TRID 0144 | 2 | Acknowledged | Final CD dated reflects XX and XX are in escrow. Loan is not escrowed. |  | Low DTI - 76.33% CLTV is less than 85% maximum per guidelines.; None - 39.83% DTI is below 50% maximum per guidelines.; | 10/16/2024 - Exception is downgraded to EV2/B with the attached PCCD and cover letter. No restitution required, thus US Mailbox Rule applied. | Client: 10/16/2024 - Exception is downgraded to EV2/B with the attached PCCD and cover letter. No restitution required, thus US Mailbox Rule applied. | Funded C B |
| 900001344 | XXXX | 1084651 | 10/09/2024 | Compliance | Right of Rescission not hand dated by Borrower(s) | ROR 0005 | 1 | Closed | Notice of Right to Cancel is e-signed by the borrower rather, but the signature date is typewritten. Missing is disclosure tracking documenting the date the ROR was esigned. Disclosure tracking in file does not reflect being sent to borrower electronically. | 11/11/2024 | Low DTI - 33.46% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | 11/07/2024 - Recd disclosure tracking confirming the date borrower electronically signed the form. | 11/07/2024 - Recd disclosure tracking confirming the date borrower electronically signed the form. - 11/07/2024 - Recd disclosure tracking confirming the date borrower electronically signed the form. | Funded C A |
| 900001344 | XXXX | 1084703 | 10/10/2024 | Compliance | Right of Recission Is Not on Correct Form | ROR 0011 | 2 | Acknowledged | Refinance is a Lender to Lender refinance and should be performed on the H-9 form. The HELOC being paid off was originated by (lender), NORTC form is H-8 rather than H-9. |  | Low DTI - 33.46% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | 12/31/2024 - Recd executed H9 ROR form with rescission period reopened. | Client: EV2/B - Recd borrower executed H9 ROR form to evidence rescission period reopened with no evidence the borrower exercised the right to rescind the transaction. | Funded C B |
| 900001344 | XXXX | 1084705 | 10/10/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC or lender credit for the increase to the recording fee from $xxx to $xxx on the initial CD, increase was $xxx above the 10% tolerance for this fee. COC does not address this increase. -- The total amount of Closing Disclosure 10% Category fees ($xxx) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xx/xx, ($xxx). The total amount of fees in this category cannot exceed ($xxx) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). |  | Low DTI - 33.46% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | 11/20/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, refund check $xxx, and courier tracking slip to evidence delivery to borrower was completed within 60 days of consummation.<br>10/24/2024 - Lender is requesting cost to cure.<br>Disclosed Charges w/ 10% Tolerance $xxx<br>Allowable Charges $xxx<br>Actual Charges $xxx<br>Difference of $xxx resulted in the 10% tolerance violation. | Client: 11/20/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, refund check $xxx, and courier tracking slip to evidence delivery to borrower was completed within 60 days of consummation. | Funded C B |
| 900001344 | XXXX | 1084823 | 10/11/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing property condition report, as required by guidelines. Per guidelines, AVM with exterior property inspection (PCI): <br>AVM must be from an approved provider with an acceptable forecast standard deviation score <br>PCI must indicate average condition or better | 11/11/2024 | Low DTI - 33.46% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | 11/08/2024 - Exception is cleared with the attached PCI, condition is indicated to be good.<br>10/24/2024 - Attached PDR is insufficient to satisfy the exception. Missing is the Property Condition Report that was included with AVM. | 11/08/2024 - Exception is cleared with the attached PCI, condition is indicated to be good. - 11/08/2024 - Exception is cleared with the attached PCI, condition is indicated to be good. | Funded C A |
| 900001344 | XXXX | 1084863 | 10/11/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Approved DTI 36.54% / Review DTI 33.46%, variance > 3% due to qualifying DTI double counting property costs escrowed with first lien. |  | Low DTI - 33.46% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; |  | Client: EV2/B Non-Material, DTI < 45% Max Allowed. | Funded C B |
| 900001263 | XXXX | 1084855 | 10/11/2024 | Compliance | Right of Rescission not hand dated by Borrower(s) | ROR 0005 | 1 | Closed | Notice of Right to Cancel is e-signed by the borrower, but the signature date is typewritten. Missing disclosure tracking to evidence date the disclosure was eSigned. Disclosure tracking in file does not indicate that the disclosure was sent electronically to borrower. | 11/11/2024 | Low DTI - 38.52% DTI is below 45% maximum per guidelines.; Verified credit history - 738 Credit score exceeds minimum 680 per guidelines.; | 11/07/2024 - Exception is cleared with the attached disclosure tracking confirming the date the disclosure was electronically signed by the borrowers. | 11/07/2024 - Exception is cleared with the attached disclosure tracking confirming the date the disclosure was electronically signed by the borrowers. - 11/07/2024 - Exception is cleared with the attached disclosure tracking confirming the date the disclosure was electronically signed by the borrowers. | Funded C A |
| 900001263 | XXXX | 1084886 | 10/11/2024 | Credit | Unacceptable transaction type | CRED 0044 | 2 | Acknowledged | Guidelines require that the subject note borrowers match the borrowers of the senior lien note. Borrower X is not on senior lien but is on the subject loan. Approved exception in file. |  | Low DTI - 38.52% DTI is below 45% maximum per guidelines.; Verified credit history - 738 Credit score exceeds minimum 680 per guidelines.; |  | Client: EV2/B Investor Acknowledged Exception | Funded C B |
| 900001287 | XXXX | 1084873 | 10/11/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval, only the unsigned 1008 is in the file. | 10/18/2024 | Verified ownership of subject property - Borrower has owned subject property xxx years.; Disposable Income - Borrower has $xxx in disposable income.; | 10/16/2024 - Exception is cleared with the attached Underwriting Decision. | 10/16/2024 - Exception is cleared with the attached Underwriting Decision. - 10/16/2024 - Exception is cleared with the attached Underwriting Decision. | Funded C A |
| 900001287 | XXXX | 1084882 | 10/11/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Projected Payments / Estimated Taxes, Insurance & Assessments section of the final CD does not include the property taxes (Ins/Other only). Estimate of $xxx appears to be the HOA dues. Estimated property costs over year 1 also only reflects the HOA dues. It is also noted that the Escrow Account section does not disclose if the borrower declined an escrow account or if the lender did not offer one. |  | Verified ownership of subject property - Borrower has owned subject property xxx years.; Disposable Income - Borrower has $xxx in disposable income.; |  | Client: EV2 / B Non-Material | Funded C B |
| 900001287 | XXXX | 1084973 | 10/14/2024 | Credit | Insufficient Verified Reserves (Number of Months) | CRED 0017 | 1 | Closed | 1.86 Months PITI reserves does not meet minimum 2 months required per guidelines. Variance due to 1008 cash to borrower for reserves vs final CD. | 11/13/2024 | Verified ownership of subject property - Borrower has owned subject property xxx years.; Disposable Income - Borrower has $xxx in disposable income.; | 11/08/2024 - Exception is cleared with the attached contribution notice that confirms in-service hardship withdrawals are allowed. Retirement statements were presented xx/xx.<br>10/16/2024 - Recd retirement asset statement, 1008, and updated 1003.<br>--Finding remains. Missing documentation to confirm that the account is vested and allows withdrawals regardless of current employment status. | 11/08/2024 - Exception is cleared with the attached contribution notice that confirms in-service hardship withdrawals are allowed. Retirement statements were presented xx/xx.<br>- 11/08/2024 - Exception is cleared with the attached contribution notice that confirms in-service hardship withdrawals are allowed. Retirement statements were presented xx/xx. | Funded C A |
| 900001287 | XXXX | 1085368 | 10/16/2024 | Property | Property Inspection Date is prior to disaster declaration begin date | FEMA 0001 | 2 | Acknowledged | Subject is located in a FEMA declared disaster area, Hurricane xxxx xx/xx (IA). Missing post-disaster inspection. |  | Verified ownership of subject property - Borrower has owned subject property xxx years.; Disposable Income - Borrower has $xxx in disposable income.; | 10/25/2024 - EV2/B Investor Acknowledged Exception.<br>10/22/2024 - Attached lender disaster report confirming no damage is insufficient to satisfy the exception. Missing (3rd party) PDI, (3rd party) DAR, or inspection from original appraiser. -- Finding Remains. <br>| Client: EV2/B Investor Acknowledged Exception. | Funded C B |
| 900001282 | XXXX | 1085218 | 10/15/2024 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Missing borrower signed initial 1003. | 11/08/2024 | Verified employment history - VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 47 months satisfactory mortgage rating.; Verified credit history - 726 FICO > 700 Minimum Required.; | 11/06/2024 - Exception is cleared with the attached borrower and LO signed initial 1003. | 11/06/2024 - Exception is cleared with the attached borrower and LO signed initial 1003. - 11/06/2024 - Exception is cleared with the attached borrower and LO signed initial 1003. | Funded C A |
| 900001282 | XXXX | 1085280 | 10/15/2024 | Compliance | Right of Rescission is Incomplete | ROR 0002 | 1 | Closed | ROR is esigned, however, the date of the signature is typewritten. Missing disclosure tracking to confirm date the disclosure was signed. | 11/08/2024 | Verified employment history - VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 47 months satisfactory mortgage rating.; Verified credit history - 726 FICO > 700 Minimum Required.; | 11/08/2024 - Exception is cleared with the attached certificate of completion evidencing the date the ROR was electronically signed by the borrower. | 11/08/2024 - Exception is cleared with the attached certificate of completion evidencing the date the ROR was electronically signed by the borrower. - 11/08/2024 - Exception is cleared with the attached certificate of completion evidencing the date the ROR was electronically signed by the borrower. | Funded C A |
| 900001282 | XXXX | 1085284 | 10/15/2024 | Credit | LTV Exceeds Max Allowed | CRED 0010 | 2 | Acknowledged | 76.86% CLTV > 75% Max Allowed (85% - 10% Reduction for Rural Property). Per guidelines, Rural Property Requirements (prior approval required): Reduce max CLTV by 10%. |  | Verified employment history - VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 47 months satisfactory mortgage rating.; Verified credit history - 726 FICO > 700 Minimum Required.; |  | Client: Investor Acknowledged Rural Property | Funded C B |
| 900001254 | XXXX | 1085482 | 10/17/2024 | Compliance | NMLS IDs do not match | NMLS 0011 | 1 | Closed | NMLS for Lender (Organization) on the final Application is listed as XXXXX. NMLS for XX listed on the Note, Mortgage, and CD is XXXXX. | 10/30/2024 | Verified housing payment history - 84 months of prior mortgage payment history paid 0x30 per credit report. ; Low LTV/CLTV/HCLTV - Low 31.43% CLTV when guidelines allow up to 85%.; | 10/28/2024 - Exception is cleared with the attached borrower electronically signed corrected 1003 with cover letter.<br>10/22/2024 - "The Note and Mortgages are printing correctly. The license numbers are not printing correctly on the 1003. To cure this, will you accept a corrected final 1003? Please advise if we can send a corrected unsigned copy." -- Finding remains. Exception can be cleared upon receipt of corrected 1003, letter of explanation to borrower addressing the reason for the correction, and evidence the documents were sent to borrower. | 10/28/2024 - Exception is cleared with the attached borrower electronically signed corrected 1003 with cover letter. - 10/28/2024 - Exception is cleared with the attached borrower electronically signed corrected 1003 with cover letter. | Approved C |
| 900001254 | XXXX | 1085705 | 10/19/2024 | Property | Missing Property Condition | APPR 0020 | 1 | Closed | Missing exterior property inspection indicating average condition or better. Only an VM was provided. | 10/22/2024 | Verified housing payment history - 84 months of prior mortgage payment history paid 0x30 per credit report. ; Low LTV/CLTV/HCLTV - Low 31.43% CLTV when guidelines allow up to 85%.; | 10/21/2024 - Exception is cleared with the attached PCI. | 10/21/2024 - Exception is cleared with the attached PCI. - 10/21/2024 - Exception is cleared with the attached PCI. | Approved C |
| 900001247 | XXXX | 1085586 | 10/18/2024 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 1 | Closed | Per Credit Inquiry Explanation, borrower opened accounts with (creditors), but no documentation of the new debt amounts or payments was included in the file. Review added (creditor) expense from the final 1003 but still need documentation of the expense. The letter from (creditor) in file, showing account paid does not match the account number on the credit report so did not omit the payment. | 10/25/2024 | Verified employment history - Borrower has 31 plus years on current job.; Disposable Income - Borrower has $XX in XX income.; | 10/23/2024 - Exception is cleared. UDM report in file and payoff confirms new debt paid in full. UDM also confirms other new liabilities. | 10/23/2024 - Exception is cleared. UDM report in file and payoff confirms new debt paid in full. UDM also confirms other new liabilities. - 10/23/2024 - Exception is cleared. UDM report in file and payoff confirms new debt paid in full. UDM also confirms other new liabilities. | Funded C A |
| 900001251 | XXXX | 1085610 | 10/18/2024 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing transcripts for two most recent tax years to support the calculated income. | 10/30/2024 | Verified credit history - 757 Credit score exceeds minimum 680 per guidelines.; Verified employment history - Borrower has been on current job for 33 plus years.; | 10/24/2024 - Exception is cleared with the attached most recent two years transcripts. | 10/24/2024 - Exception is cleared with the attached most recent two years transcripts. - 10/24/2024 - Exception is cleared with the attached most recent two years transcripts. | Approved C |
| 900001271 | XXXX | 1085949 | 10/24/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Borrower X VVOE reflects an employment start date (date). Missing verification from employer of the actual start date. Borrower disclosed start date of (date) on 1003. |  | Verified housing payment history - Credit report confirms 45 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 770/788 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 62.74% CLTV < 85% Max Allowed.; |  | Client: EV2/B - XX and XX confirm 2+ years employment with current employer. | Funded C B |
| 900001271 | XXXX | 1085950 | 10/24/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Approved DTI 44.19 / Review DTI, Qualifying DTI double counted XX costs escrowed with first lien (Max 45%). |  | Verified housing payment history - Credit report confirms 45 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 770/788 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 62.74% CLTV < 85% Max Allowed.; |  | Client: EV2/B Non-Material (Max 45%) | Funded C B |
| 900001271 | XXXX | 1085951 | 10/24/2024 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 2 | Acknowledged | Final CD inaccurately disclosed XX as being escrowed. Property costs are escrowed with first lien. Escrow Account disclosed inaccurately, Estimated Property Costs Over Year 1 is missing. |  | Verified housing payment history - Credit report confirms 45 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 770/788 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 62.74% CLTV < 85% Max Allowed.; | 11/03/2024 - Exception is downgraded to EV2/B with the PCCD, cover letter, and courier tracking receipt to evidence delivery to borrower completed within 60 days of consummation.<br>11/01/2024 - Recd PCCD, cover letter, corrected first payment letter, and courier tracking receipt. <br>--Finding remains. Exception can be downgraded to EV2/B upon receipt of evidence that the curative package is in transit to borrower. Courier tracking reflects, label created. <br>10/29/2024 - Lender is requesting requirements to cure. <br>--Finding remains. Exception can be downgraded to EV2/B upon receipt of PCCD, cover letter, and corrected first payment letter. Evidence of delivery is not required due to no restitution required. | Client: 11/03/2024 - Exception is downgraded to EV2/B with the PCCD, cover letter, and courier tracking receipt to evidence delivery to borrower completed within 60 days of consummation. | Funded C B |
| 900001271 | XXXX | 1085953 | 10/24/2024 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Missing XX document. | 10/30/2024 | Verified housing payment history - Credit report confirms 45 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 770/788 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 62.74% CLTV < 85% Max Allowed.; | 10/25/2024 - Exception is cleared with the attached borrower signed XX. | 10/25/2024 - Exception is cleared with the attached borrower signed XX. - 10/25/2024 - Exception is cleared with the attached borrower signed XX. | Funded C A |
| 900001271 | XXXX | 1085955 | 10/24/2024 | Credit | Missing Payoff/Demand Statement | DMND 0003 | 1 | Closed | Missing borrower signed authorization to payoff and close existing second lien, (account). | 11/01/2024 | Verified housing payment history - Credit report confirms 45 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 770/788 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 62.74% CLTV < 85% Max Allowed.; | 10/31/2024 - Exception is cleared with the attached Mortgage Satisfaction.<br>10/25/2024 - Attached payoff is insufficient to satisfy the exception.<br>--Finding remains. Missing borrower signed authorization to payoff and close existing second lien, credit supplement evidencing that the account has been paid and closed, or final title policy reflecting subject transaction in second lien position. | 10/31/2024 - Exception is cleared with the attached debt satisfaction. - 10/31/2024 - Exception is cleared with the attached debt satisfaction. | Funded C A |
| 900001271 | XXXX | 1086265 | 10/30/2024 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Cleared comments do not state how the fraud findings were cleared. | 10/30/2024 | Verified housing payment history - Credit report confirms 45 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 770/788 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 62.74% CLTV < 85% Max Allowed.; | 10/25/2024 - Exception is cleared with the attached fraud report summary with commentary. | 10/25/2024 - Exception is cleared with the attached fraud report summary with commentary. - 10/25/2024 - Exception is cleared with the attached fraud report summary with commentary. | Funded C A |
| 900001272 | XXXX | 1086003 | 10/25/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval, only the unsigned 1008 is in the file. | 11/01/2024 | Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit score 686 with no history of delinquency reported. Minimum credit score required 680.; Low DTI - Qualifying DTI 14.64% < 45% Max Allowed.; | 10/29/2024 - Exception is cleared with the attached underwriting decision. | 10/29/2024 - Exception is cleared with the attached underwriting decision. - 10/29/2024 - Exception is cleared with the attached underwriting decision. | Funded C A |
| 900001272 | XXXX | 1086005 | 10/25/2024 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing Legal Description. Mortgage states it is attached as Exhibit A, no exhibit A provided. | 11/01/2024 | Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit score 686 with no history of delinquency reported. Minimum credit score required 680.; Low DTI - Qualifying DTI 14.64% < 45% Max Allowed.; | 10/29/2024 - Exception is cleared with the attached Mortgage, includes exhibit A. | 10/29/2024 - Exception is cleared with the attached Mortgage, includes exhibit A. - 10/29/2024 - Exception is cleared with the attached Mortgage, includes exhibit A. | Funded C A |
| 900001272 | XXXX | 1086008 | 10/25/2024 | Compliance | Mortgage/Deed of Trust is Incomplete | DEED 0049 | 1 | Closed | Missing page 7 of the Mortgage, only pages 1-6 of 7 are in the file. Unable to confirm the Mortgage includes the correct NMLS IDs. | 11/01/2024 | Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit score 686 with no history of delinquency reported. Minimum credit score required 680.; Low DTI - Qualifying DTI 14.64% < 45% Max Allowed.; | 10/29/2024 - Exception is cleared with the attached Mortgage, includes pg 7 of 7. | 10/29/2024 - Exception is cleared with the attached Mortgage, includes pg 7 of 7. - 10/29/2024 - Exception is cleared with the attached Mortgage, includes pg 7 of 7. | Funded C A |
| 900001272 | XXXX | 1086010 | 10/25/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Missing final title policy to confirm the (lien) position and that the XX liens against the borrower et al do not appear. | 11/01/2024 | Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit score 686 with no history of delinquency reported. Minimum credit score required 680.; Low DTI - Qualifying DTI 14.64% < 45% Max Allowed.; | 10/29/2024 - Exception is cleared with the attached email from the title agent confirming Schedule B (lien) and XX liens will not be on the final title policy. | 10/29/2024 - Exception is cleared with the attached email from the title agent confirming Schedule B (lien) and XX liens will not be on the final title policy. - 10/29/2024 - Exception is cleared with the attached email from the title agent confirming Schedule B (lien) and XX liens will not be on the final title policy. | Funded C A |
| 900001272 | XXXX | 1086019 | 10/25/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | Initial CD APR 10.416% / Final CD APR 10.239%, variance > 0.125%.<br>|  | Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit score 686 with no history of delinquency reported. Minimum credit score required 680.; Low DTI - Qualifying DTI 14.64% < 45% Max Allowed.; |  | Client: EV2/B Non-Material, decrease is considered a benefit to borrower. | Funded C B |
| 900001272 | XXXX | 1086037 | 10/25/2024 | Credit | CLTV Exceeds Max Allowed | CRED 0012 | 2 | Acknowledged | 74.77% CLTV > 70% Max Allowed (Credit Score 680 Max 75% - 5% Reduction for Alt Doc = 70% Max) |  | Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit score 686 with no history of delinquency reported. Minimum credit score required 680.; Low DTI - Qualifying DTI 14.64% < 45% Max Allowed.; | 11/07/2024 - Investor Acknowledged Exception. | Client: Investor Acknowledged Exception. | Funded C B |
| 900001272 | XXXX | 1086049 | 10/25/2024 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Cleared comments do not state how the fraud findings were cleared. | 11/01/2024 | Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit score 686 with no history of delinquency reported. Minimum credit score required 680.; Low DTI - Qualifying DTI 14.64% < 45% Max Allowed.; | 10/29/2024 - Exception re-reviewed and cleared. Exception set in error. | 10/29/2024 - Exception re-reviewed and cleared. Exception set in error. - 10/29/2024 - Exception re-reviewed and cleared. Exception set in error. | Funded C A |
| 900001270 | XXXX | 1086126 | 10/29/2024 | Compliance | Non Standard Agency Form Type payments are not applied on the scheduled due date | NOTE 0064 | 1 | Closed | Loan completed as (state) Simple Interest Loan document. | 11/12/2024 | Verified housing payment history - Borrowers have 0x30x40 mortgage history which exceeds minimum 0x30x24 required per guidelines.; Verified credit history - 796 Credit score exceeds minimum 680 required per guidelines.; | 11/07/2024 - Set In Error. | 11/07/2024 - Set In Error. - 11/07/2024 - Set In Error. | Funded C A |
| 900001270 | XXXX | 1086127 | 10/29/2024 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal Description is not attached to or contained within Mortgage. | 11/11/2024 | Verified housing payment history - Borrowers have 0x30x40 mortgage history which exceeds minimum 0x30x24 required per guidelines.; Verified credit history - 796 Credit score exceeds minimum 680 required per guidelines.; | 11/07/2024 - Recd exhibit A. | 11/07/2024 - Recd exhibit A. - 11/07/2024 - Recd exhibit A. | Funded C A |
| 900001300 | XXXX | 1086163 | 10/29/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | CD only includes flood insurance in property costs over year 1. Flood insurance, taxes, and insurance are escrowed with 1st lien. CD should disclose all property costs or none. |  | Low LTV/CLTV/HCLTV - 63.02% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 11/26/2024 - Exception is downgraded to EV2/B with the attached PCCD with cover letter. US Mailbox Rule to be applied.<br>11/22/2024 - Per posted response lender disclosed prior years taxes due $xxx.<br>$xxx Flood<br>$xxx HOI<br>$xxx Tax<br>Total Property Costs $xxx x 12 Property Costs Over Year 1 = $xxx<br>Disclosed Property Costs $xxx x 12 = $xxx<br>Review is unable to reconcile disclosed property costs of $xxx.<br>11/08/2024 - Recd PCCD and cover letter.<br>--Finding remains. Reviewer is unable to reconcile property costs of $xxx. First lien escrow $xxx less PMI $xxx. Review property costs $xxx (Tax $xxx, Ins $xxx, and Flood $xxx). | Client: 11/26/2024 - Exception is downgraded to EV2/B with the attached PCCD with cover letter. US Mailbox Rule to be applied. | Funded C B |
| 900001300 | XXXX | 1086164 | 10/29/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD 10/8 APR 10.844%<br>CD 10/18 APR 9.442%<br>Reduction 1.402%<br>|  | Low LTV/CLTV/HCLTV - 63.02% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; |  | Client: EV2/B Non-Material, Decrease is deemed to be a benefit to borrower. | Funded C B |
| 900001275 | XXXX | 1086238 | 10/29/2024 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Final CD is missing pg 5 of 5. CD addendum reflects borrower received a CD on (date). | 11/06/2024 | Low DTI - 24.30% DTI is below 45% maximum per guidelines.; Verified housing payment history - Borrower has verified mortgage history of 0x30x34, which exceeds minimum of 0x30x24.<br>; |  | 11/01/2024 - Exception is cleared with the attached complete copy of the final CD. - 11/01/2024 - Exception is cleared with the attached complete copy of the final CD. | Funded D A |
| 900001295 | XXXX | 1086182 | 10/29/2024 | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 1 | Closed | Missing borrower eConsent. | 11/06/2024 | Low LTV/CLTV/HCLTV - 45.02% CLTV is below 85% maximum per guidelines.; Verified credit history - 721 Credit score exceeds minimum 680 required per guidelines.; | 11/06/2024 - SFIG 4.0: If e-consent is not in file or e-consent date is missing, TPR will assume consent was received timely but not documented. E-consent will be assumed to be obtained on the date of application for compliance testing purposes. | 11/06/2024 - SFIG 4.0: If e-consent is not in file or e-consent date is missing, TPR will assume consent was received timely but not documented. E-consent will be assumed to be obtained on the date of application for compliance testing purposes. - 11/06/2024 - SFIG 4.0: If e-consent is not in file or e-consent date is missing, TPR will assume consent was received timely but not documented. E-consent will be assumed to be obtained on the date of application for compliance testing purposes. | Funded C A |
| 900001295 | XXXX | 1086184 | 10/29/2024 | Compliance | Invalid Change of Circumstance | COMP 0019 | 1 | Closed | Missing rate lock agreement. Change of Circumstance was issued as of xx/xx reflects a change date of xx/xx. Dates cannot be reconciled as COC issued date proceeds action date. The change stated is rate locked. | 11/19/2024 | Low LTV/CLTV/HCLTV - 45.02% CLTV is below 85% maximum per guidelines.; Verified credit history - 721 Credit score exceeds minimum 680 required per guidelines.; | 11/13/2024 - Recd initial CD disclosure package, borrower esigned discount point fee disclosure, and lender lock confirmation. Initial CD was issued on the rate lock date.<br>11/06/2024 - Lender posted response is insufficient to satisfy the exception. <br>--Finding remains. Missing rate lock agreement documenting the date the rate was locked with the borrower. | 11/13/2024 - Recd initial CD disclosure package, borrower esigned discount point fee disclosure, and lender lock confirmation. Initial CD was issued on the rate lock date.<br>- 11/13/2024 - Recd initial CD disclosure package, borrower esigned discount point fee disclosure, and lender lock confirmation. Initial CD was issued on the rate lock date. | Funded C A |
| 900001295 | XXXX | 1086188 | 10/29/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | LE xx/xx APR 9.153% <br>Initial CD xx/xx APR 8.551%<br>Final CD xx/xx APR 8.538% |  | Low LTV/CLTV/HCLTV - 45.02% CLTV is below 85% maximum per guidelines.; Verified credit history - 721 Credit score exceeds minimum 680 required per guidelines.; |  | Client: EV2/B Non-Material, Decrease is deemed to be a benefit to borrower. | Funded C B |
| 900001295 | XXXX | 1086191 | 10/29/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 2 | Acknowledged | Missing evidence of delivery to borrower of the final LE (xx/xx). -- A revised Loan Estimate was provided on (xx/xx) via (U.S. Mail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (xx/xx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xx/xx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xx/xx/xx). (12 CFR 1026.19(e)(4)(ii)) |  | Low LTV/CLTV/HCLTV - 45.02% CLTV is below 85% maximum per guidelines.; Verified credit history - 721 Credit score exceeds minimum 680 required per guidelines.; | 11/15/2024 - Exception is downgraded to EV2/B with the attached lender attestation. Timing requirement met with LE xx/xx. There were no changes disclosed on the re-issued LE dated xx/xx. <br>11/07/2024 - Attached attestation is insufficient to satisfy the exception.<br>--Finding remains. Missing lender signed attestation confirming the LE dated xx/xx was not provided to borrower.<br>11/06/2024 - Attached posted response is insufficient to satisfy the exception.<br>--Finding remains. Provide lender signed attestation addressing the error with document vendor. | Client: 11/15/2024 - Exception is downgraded to EV2/B with the attached lender attestation. Timing requirement met with LE xx/xx. There were no changes disclosed on the re-issued LE dated xx/xx. | Funded C B |
| 900001268 | XXXX | 1086453 | 10/31/2024 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | Missing interim LE as listed on the disclosure tracking summary and Disclosure tracking details. | 11/06/2024 | Low LTV/CLTV/HCLTV - 63.47% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrower has 0x30x44 verified mortgage history which exceeds minimum 0x30x24 required per guidelines.; | 11/05/2024 - Exception is cleared with the attached interim LE. | 11/05/2024 - Exception is cleared with the attached interim LE. - 11/05/2024 - Exception is cleared with the attached interim LE. | Funded C A |
| 900001268 | XXXX | 1086657 | 11/01/2024 | Property | Property Inspection Date is prior to disaster declaration begin date | FEMA 0001 | 1 | Closed | Missing Post-disaster inspection report. Borrower is located in a FEMA declared disaster area. | 11/06/2024 | Low LTV/CLTV/HCLTV - 63.47% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrower has 0x30x44 verified mortgage history which exceeds minimum 0x30x24 required per guidelines.; | 11/05/2024 - Exception is cleared with the attached PCI confirming no damage. | 11/05/2024 - Exception is cleared with the attached PCI confirming no damage. - 11/05/2024 - Exception is cleared with the attached PCI confirming no damage. | Funded C A |
| 900001286 | XXXX | 1086511 | 10/31/2024 | Compliance | Affiliated Business Disclosure Not Provided Within 3 Business Days of Application | COMP 0035 | 2 | Acknowledged | ABD was not issued within 3 business days of the application date. |  | Disposable Income - Borrowers have $xxx in verified disposable income.; Verified credit history - 762 Credit score exceeds minimum 720 required per guidelines.; |  | Client: EV2/B Non-Material. Affiliate not used for the transaction. | Funded B |
| 900001286 | XXXX | 1086512 | 10/31/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 2 | Acknowledged | Homeonwership Counseling Disclosure not in file. |  | Disposable Income - Borrowers have $xxx in verified disposable income.; Verified credit history - 762 Credit score exceeds minimum 720 required per guidelines.; | 11/18/2024 - Exception is downgraded to EV2/B with initial 1003 supplemental consumer information form disclosing HUD/CFPB websites to borrower.<br>11/08/2024 - Per team this is not required on a stand alone 2nd. Can you review and confirm if this is correct?<br>--Finding remains. Homeownership counseling disclosure is required for closed-end second liens.<br>| Client: 11/18/2024 - Exception is downgraded to EV2/B with initial 1003 supplemental consumer information form disclosing HUD/CFPB websites to borrower. | Funded C B |
| 900001286 | XXXX | 1086622 | 11/01/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | File is missing tax transcripts for both borrowers for (year). | 11/14/2024 | Disposable Income - Borrowers have $xxx in verified disposable income.; Verified credit history - 762 Credit score exceeds minimum 720 required per guidelines.; | 11/14/2024 - Exception is cleared with the attached B2 wage transcript. B2 transcript previously presented xx/xx.<br>11/05/2024 - Recd B2 (year) wage transcript.<br>--Finding remains. Missing B1 (year) transcript. Per guidelines, Transcripts: Wage Earner & 1099 - Wage & Income Transcripts for the year(s) of qualifying income. | 11/14/2024 - Exception is cleared with the attached B2 wage transcript. B2 transcript previously presented xx/xx. - 11/14/2024 - Exception is cleared with the attached B2 wage transcript. B2 transcript previously presented xx/xx. | Funded C A |
| 900001302 | XXXX | 1086680 | 11/03/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing COC for the reduction in Lender credit on final CD. | 12/02/2024 | Verified credit history - 758 Credit score exceeds minimum 700 per guidelines.; Low DTI - 20.91% DTI is below 45% maximum per guidelines.; | 11/26/2024 - Exception is cleared with the attached pricing sheet. Pricing change due to rate lock extension to cover thru disbursement.<br>11/13/2024 - Attached lock confirmation is insufficient to satisfy the exception.<br>-- Finding remains. Lock confirmation reflects pricing change due to 4 day extension to (date) completed on (date). <br>Borrower rate lock agreement guaranteed the rate for 30 days through (date), which is after the closing date. Missing valid reason for the decrease to lender credit.<br>11/06/2024 - Lender posted response is insufficient to satisfy the exception.<br>--Finding remains. Missing rate sheet or similar documented rate extension date and pricing change. | 11/26/2024 - Exception is cleared with the attached pricing sheet. Pricing change due to rate lock extension to cover thru disbursement. - 11/26/2024 - Exception is cleared with the attached pricing sheet. Pricing change due to rate lock extension to cover thru disbursement. | Funded C A |
| 900001302 | XXXX | 1086808 | 11/04/2024 | Credit | Unacceptable Mortgage History | CRED 0001 | 2 | Acknowledged | Borrower has 1x30x24 mortgage history which exceeds maximum allowed 0x30x24 per guidelines. Lender approved exception in file on page xxx. Missing Investor Acknowledgment. |  | Verified credit history - 758 Credit score exceeds minimum 700 per guidelines.; Low DTI - 20.91% DTI is below 45% maximum per guidelines.; | 11/05/2024 - Investor Acknowledged Exception | Client: 11/05/2024 - Investor Acknowledged Exception | Funded C B |
| 900001302 | XXXX | 1086811 | 11/04/2024 | Credit | Unacceptable transaction type | CRED 0044 | 1 | Closed | Per guidelines, the borrowers on the senior lien must match the second lien. Borrower's spouse is on the senior lien but is not on subject transaction. | 11/06/2024 | Verified credit history - 758 Credit score exceeds minimum 700 per guidelines.; Low DTI - 20.91% DTI is below 45% maximum per guidelines.; | 11/05/2024 - Recd email correspondence from the investor confirming the removal of an immediate relative is not considered an exception. | 11/05/2024 - Recd email correspondence from the investor confirming the removal of an immediate relative is not considered an exception. - 11/05/2024 - Recd email correspondence from the investor confirming the removal of an immediate relative is not considered an exception. | Funded C A |
| 900001292 | XXXX | 1086576 | 11/01/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval/underwriting decision. | 11/06/2024 | Low DTI - 35.55% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has verified disposable income of $xxx.; | 11/04/2024 - Exception is cleared with the attached underwriting decision. | 11/04/2024 - Exception is cleared with the attached underwriting decision. - 11/04/2024 - Exception is cleared with the attached underwriting decision. | Funded C A |
| 900001292 | XXXX | 1086595 | 11/01/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Low DTI - 35.55% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has verified disposable income of $xxx.; |  | Client: EV2 / B Non-Material | Funded C B |
| 900001292 | XXXX | 1086643 | 11/01/2024 | Credit | Missing Lender Project Condo Classification | COND 0010 | 2 | Acknowledged | Missing condo project approval/CPM and HOA Questionnaire with all supporting documentation. |  | Low DTI - 35.55% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has verified disposable income of $xxx.; | 11/04/2024 - Recd CPM, project approved. No HOA Questionnaire required where approved by agency, as per investor. | Client: EV2/B Investor Acknowledged Exception | Funded C B |
| 900001292 | XXXX | 1086659 | 11/01/2024 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Missing master association flood policy. | 11/21/2024 | Low DTI - 35.55% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has verified disposable income of $xxx.; | 11/20/2024 - Recd project flood policy for subject building.<br>11/04/2024 - Recd evidence of personal flood insurance. <br>--Finding remains. Missing master flood insurance policy for the condo project. | 11/20/2024 - Recd project flood policy for subject building.<br>- 11/20/2024 - Recd project flood policy for subject building. | Funded C A |
| 900001292 | XXXX | 1086660 | 11/01/2024 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing copy of H06 Policy. Per final CD policy premium of $xxx was paid at closing. | 11/06/2024 | Low DTI - 35.55% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has verified disposable income of $xxx.; | 11/04/2024 - Recd HO6. | 11/04/2024 - Recd HO6. - 11/04/2024 - Recd HO6. | Funded C A |
| 900001293 | XXXX | 1086813 | 11/04/2024 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal Description not attached to or contained within Mortgage.<br>| 11/18/2024 | Low DTI - 16.15% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has $xxx in verified disposable income.; | 11/13/2024 - Exception is cleared with the attached copy of Exhibit A. | 11/13/2024 - Exception is cleared with the attached copy of Exhibit A. - 11/13/2024 - Exception is cleared with the attached copy of Exhibit A. | Funded C A |
| 900001293 | XXXX | 1088633 | 11/18/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Subject is located in a FEMA declared disaster area (IA), Hurricane Milton. Missing PDI. | 11/21/2024 | Low DTI - 16.15% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has $xxx in verified disposable income.; | 11/19/2024 - Attached disaster inspection report completed by appraiser confirms no damage to subject and that the marketability is not affected. | 11/19/2024 - Attached disaster inspection report completed by appraiser confirms no damage to subject and that the marketability is not affected. - 11/19/2024 - Attached disaster inspection report completed by appraiser confirms no damage to subject and that the marketability is not affected. | Funded C A |
| 900001285 | XXXX | 1086916 | 11/05/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified employment history - Borrower has been on current job xxx years.; Disposable Income - Borrower has verified disposable income of $xxx.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001285 | XXXX | 1087052 | 11/06/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Missing investor acknowledgement of the rural property location. Lock confirmation reflects "xxxx" property location. Per guidelines, prior approval required for xxxx property. All other xxxx property requirements met. |  | Verified employment history - Borrower has been on current job xxx years.; Disposable Income - Borrower has verified disposable income of $xxx.; |  | Client: Investor Acknowledged xxxx Property | Funded C B |
| 900001299 | XXXX | 1087172 | 11/06/2024 | Compliance | CD is not within 3 business days of Change of Circumstance. | TRID 0163 | 1 | Closed | Re-disclosure was not issued within 3 days of the change date; COC form reflects a change date of xx/xx/xx with a re-disclosure date xx/xx/xx. | 12/09/2024 | Verified credit history - 748 Credit score exceeds minimum 700 per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; | 12/04/2024 - Exception is cleared with the attached posted response with snippet of lock confirmation date, COC form change date was inaccurate.<br>11/13/2024 - Lender posted response is insufficient to satisfy the exception.<br>--Finding remains. Missing rate lock agreement to confirm rate lock date. Attached eSign Process Summary reflects a change date of xx/xx. COC reflects a change date of xx/xx. CD xx/xxwas not issued within 3 business days of the change date. | 12/04/2024 - Exception is cleared with the attached posted response with snippet of lock confirmation date, COC form change date was inaccurate. - 12/04/2024 - Exception is cleared with the attached posted response with snippet of lock confirmation date, COC form change date was inaccurate. | Approved C |
| 900001299 | XXXX | 1087176 | 11/06/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing valid reason for the addition of the $xxx loan origination fee. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xx/xx/xx: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). | 12/09/2024 | Verified credit history - 748 Credit score exceeds minimum 700 per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; | 12/04/2024 - Exception is cleared with the attached snippet of the lock confirmation date.<br>11/13/2024 - Posted response is insufficient to satisfy the exception.<br>--Finding remains. COC does not provide the reason for the addition of the origination fee (REFER TRID 0163 - Timing Violation). | 12/04/2024 - Exception is cleared with the attached snippet of the lock confirmation date. - 12/04/2024 - Exception is cleared with the attached snippet of the lock confirmation date. | Approved C |
| 900001299 | XXXX | 1087537 | 11/11/2024 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 1 | Closed | B2 IRA distributions $xxx are listed on B1. | 11/15/2024 | Verified credit history - 748 Credit score exceeds minimum 700 per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; | 11/13/2024 - Exception is cleared with the attached corrected 1003; retirement income moved from B1 to B2. | 11/13/2024 - Exception is cleared with the attached corrected 1003; retirement income moved from B1 to B2. - 11/13/2024 - Exception is cleared with the attached corrected 1003; retirement income moved from B1 to B2. | Approved C |
| 900001299 | XXXX | 1088413 | 11/15/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 11/15/2024 | Verified credit history - 748 Credit score exceeds minimum 700 per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; |  | Duplicate of 0195 - Duplicate of 0195 | Approved C |
| 900001284 | XXXX | 1087478 | 11/08/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified credit history - 769 Credit score exceeds minimum 700 required per guidelines.; Disposable Income - Borrowers have $xxx in verified disposable income.; |  | Client: EV2 / B Non-Material. | Funded C B |
| 900001284 | XXXX | 1087672 | 11/12/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing tax transcripts for both borrowers for most recent two years. | 11/22/2024 | Verified credit history - 769 Credit score exceeds minimum 700 required per guidelines.; Disposable Income - Borrowers have $xxx in verified disposable income.; | 11/21/2024 - Recd most recent two years wage transcripts.<br>11/15/2024 - Attached W2s are insufficient to satisfy the exception.<br>--Finding remains. Missing most recent two years wage transcripts. Per guidelines, Tax Transcripts:<br>Income Source Transcript Requirement - Wage Earner & 1099: Wage & Income Transcripts for the year(s) of qualifying income. | 11/21/2024 - Recd most recent two years wage transcripts.<br>- 11/21/2024 - Recd most recent two years wage transcripts. | Funded C A |
| 900001277 | XXXX | 1087483 | 11/08/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD XX/XX/XX APR 10.667%<br>CD XX/XX/XX APR 10.556%<br>Reduction .111%. |  | Low DTI - 35.06% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $XX in XX income.; |  | Client: EV2/B APR Decreased, benefit to borrower. | Funded C B |
| 900001309 | XXXX | 1087511 | 11/11/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. 1008 on page xxx. | 11/19/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x43 which exceeds minimum 0x30x24 per guidelines.; Low DTI - 35.02% DTI is below maximum 50% per guidelines.; | 11/19/2024 - Recd underwriting decision. | 11/19/2024 - Recd underwriting decision. - 11/19/2024 - Recd underwriting decision. | Funded D A |
| 900001309 | XXXX | 1087776 | 11/12/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing (year) Tax Wage Transcripts. | 12/02/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x43 which exceeds minimum 0x30x24 per guidelines.; Low DTI - 35.02% DTI is below maximum 50% per guidelines.; | 11/25/2024 - Exception is cleared with the attached (year) tax transcript.<br>11/20/2024 - Posted response is insufficient to satisfy the exception. <br>--Finding remains. Transcripts required for the two years W2s obtained for qualifying.<br>11/19/2024 - Recd W2s.<br>--Finding remains. Missing (year) wage transcripts. <br>Per guidelines, Tax Transcripts:<br>Income Source Transcript Requirement<br>Wage Earner & 1099 <br>Wage & Income Transcripts for the year(s) of qualifying income. | 11/25/2024 - Exception is cleared with the attached (year) tax transcript. - 11/25/2024 - Exception is cleared with the attached (year) tax transcript. | Funded C A |
| 900001390 | XXXX | 1087641 | 11/11/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. 1008 on page xxx | 12/06/2024 | Low DTI - 28.16% DTI is below 50% maximum per guidelines.; Verified housing payment history - Borrower has verified mortgage payment history of 0x30x43 which exceeds minimum required 0x30x24.; | 12/03/2024 - Exception is cleared with the attached UW decision. | 12/03/2024 - Exception is cleared with the attached UW decision. - 12/03/2024 - Exception is cleared with the attached UW decision. | Funded D A |
| 900001390 | XXXX | 1087838 | 11/13/2024 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing wage transcripts for (most recent two years) that support income provided. | 12/11/2024 | Low DTI - 28.16% DTI is below 50% maximum per guidelines.; Verified housing payment history - Borrower has verified mortgage payment history of 0x30x43 which exceeds minimum required 0x30x24.; | 11/19/2024 - Recd W2s.<br>--Finding remains. Missing most recent two years wage transcripts. <br>Per guidelines, Tax Transcripts:<br>Income Source Transcript Requirement<br>Wage Earner & 1099 <br>Wage & Income Transcripts for the year(s) of qualifying income. | 12/09/24 2023/2022 Wage & Income transcripts received. - 12/09/24 2023/2022 Wage & Income transcripts received. | Funded C A |
| 900001390 | XXXX | 1087949 | 11/13/2024 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing PUD rider to mortgage. | 01/14/2025 | Low DTI - 28.16% DTI is below 50% maximum per guidelines.; Verified housing payment history - Borrower has verified mortgage payment history of 0x30x43 which exceeds minimum required 0x30x24.; | 01/14/2025 - Recd PUD Rider with recording stamp. | 01/14/2025 - Recd PUD Rider with recording stamp. - 01/14/2025 - Recd PUD Rider with recording stamp. | Funded C A |
| 900001283 | XXXX | 1088082 | 11/14/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing evidence of lender approval date. | 11/22/2024 | Verified housing payment history - 131 months of mortgage history paid 0x30, verified per credit report. ; Verified credit history - 750 qualifying credit scores, minimum required of 680. No derogatory credit. ; | 11/20/2024 - Exception is cleared with the attached loan approval. | 11/20/2024 - Exception is cleared with the attached loan approval. - 11/20/2024 - Exception is cleared with the attached loan approval. | Funded C A |
| 900001283 | XXXX | 1088181 | 11/14/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Subject is located in a declared disaster area (IA), Hurricane XXXX. Missing PDI Report from Clear Capital or DAR from Pro Teck or equivalent. | 11/19/2024 | Verified housing payment history - 131 months of mortgage history paid 0x30, verified per credit report. ; Verified credit history - 750 qualifying credit scores, minimum required of 680. No derogatory credit. ; | 11/15/2024 - Exception is cleared with the attached PDI confirming no damage to subject property, marketability not affected. | 11/15/2024 - Exception is cleared with the attached PDI confirming no damage to subject property, marketability not affected. - 11/15/2024 - Exception is cleared with the attached PDI confirming no damage to subject property, marketability not affected. | Funded C A |
| 900001345 | XXXX | 1088011 | 11/14/2024 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | Missing interim LE and corresponding COC. Disclosure Tracking. | 12/05/2024 | Verified employment history - VOE confirms xxx years employment with present employer.; | 12/05/2024 - No fee violations with interim LE included for compliance re-submission.<br>12/03/2024 - Issue date was not changed from xx/xx on re-disclosed LE, as per the attached lender attestation. Review used the date the disclosure was generated and sent to / received by the borrower documented on the bottom of the disclosure and disclosure tracking.<br>--Finding remains. Missing valid COC for re-disclosed LE xx/xx.<br>11/21/2024 - Post response is insufficient to satisfy the exception.<br>--Finding remains. Disclosure tracking in file evidences a revised LE was issued and received by the borrower on xx/xx. Missing is a copy of the LE issued xx/xx. | 12/05/2024 - No fee violations with interim LE included for compliance re-submission. - 12/05/2024 - No fee violations with interim LE included for compliance re-submission. | Funded C A |
| 900001345 | XXXX | 1088012 | 11/14/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified employment history - VOE confirms xxx years employment with present employer.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001345 | XXXX | 1088023 | 11/14/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for increase to the Loan Discount Fee. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on xx/xx: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). | 11/25/2024 | Verified employment history - VOE confirms xxx years employment with present employer.; | 11/21/2024 - Recd COC form for final CD. Borrowers rate lock expired on the closing date. Pricing change resulted from extension to cover disbursement. | 11/21/2024 - Recd COC form for final CD. Borrowers rate lock expired on the closing date. Pricing change resulted from extension to cover disbursement. - 11/21/2024 - Recd COC form for final CD. Borrowers rate lock expired on the closing date. Pricing change resulted from extension to cover disbursement. | Funded C A |
| 900001345 | XXXX | 1088195 | 11/14/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval with approval date. | 12/02/2024 | Verified employment history - VOE confirms xxx years employment with present employer.; | 11/26/2024 - Recd underwriting decision.<br>11/25/2024 - Posted response is insufficient to satisfy the exception.<br>--Finding remains. Missing copy of the loan approval/underwriter decision documenting the loan approval date. | 11/26/2024 - Recd underwriting decision. - 11/26/2024 - Recd underwriting decision. | Funded C A |
| 900001345 | XXXX | 1088196 | 11/14/2024 | Property | Missing Third Party Appraisal Review | APPR 0046 | 2 | Acknowledged | AVM completed by Collateral Analytics has FSD score of .11. Per guidelines an FSD score of <= .10 is required. AVM does not meet guideline requirements. |  | Verified employment history - VOE confirms xxx years employment with present employer.; | 11/25/2024 - Exception is downgraded to EV2/B with TPR ordered BPO that supports within 10% tolerance the AVM value. | Client: 11/25/2024 - Exception is downgraded to EV2/B with TPR ordered BPO that supports within 10% tolerance the AVM value. | Funded C B |
| 900001345 | XXXX | 1088201 | 11/14/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing 2 years to tax transcripts. | 11/22/2024 | Verified employment history - VOE confirms xxx years employment with present employer.; | 11/20/2024 - Recd most recent two years tax transcripts. | 11/20/2024 - Recd most recent two years tax transcripts. - 11/20/2024 - Recd most recent two years tax transcripts. | Funded C A |
| 900001345 | XXXX | 1088202 | 11/14/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | DTI of 45.13% exceeds maximum allowed of 45% (does not qualify for 50% DTI due to credit score of xxx). Lender approved DTI of 44.64%. Variance due to lender using tax and insurance escrow on mortgage statement totaling $xxx. Tax bill verified tax payment of $xxx and HOI verified payment of $xxx, total of $xxx. |  | Verified employment history - VOE confirms xxx years employment with present employer.; | 12/31/2024 - EV2/B - Investor Acknowledged Exception.<br>12/13/2024 - Recd billing statement.<br>--Finding remains. DTI > 45% with fees and charges included with premium. Borrower is liable to pay the fees and charges associated with the insurance policy, thus must be considered in qualifying.<br>11/20/2024 - Lender excluded taxes and fees added to the premium resulting in the DTI variance. Borrower is liable for the fees/taxes to obtain the policy, thus should be included. | Client: EV2/B - Investor Acknowledged Exception. | Funded C B |
| 900001306 | XXXX | 1088171 | 11/14/2024 | Compliance | Intent To Proceed Date < Loan Estimate Presumed Received Date | TRID 0044 | 1 | Closed | Missing disclosure tracking for the initial LE. eDisclosure timestamp on the LE is obscured by the lender name. - The Loan Estimate was provided or mailed on (xx/xx). Since it was not provided in person, a consumer is considered to have received the Loan Estimate on (xx/xx), which is after (xx/xx); the date the consumer indicated an intent to proceed with the transaction. A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) | 11/25/2024 | Verified housing payment history - Borrower has mortgage history of 0x30x37 which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 33.58% DTI is below maximum 50% per guidelines.; | 11/22/2024 - Recd disclosure tracking evidencing the initial LE was received by the borrower on the issuance date.<br>11/21/2024 - Attached disclosure tracking reflects sender, ccmctd, downloaded the LE. <br>-- Finding remains. Missing complete copy of the disclosure tracking evidencing borrower downloaded the document. | 11/22/2024 - Recd disclosure tracking evidencing the initial LE was received by the borrower on the issuance date. - 11/22/2024 - Recd disclosure tracking evidencing the initial LE was received by the borrower on the issuance date. | Approved C |
| 900001306 | XXXX | 1088462 | 11/17/2024 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing wage earner tax transcripts for most recent two years. | 12/06/2024 | Verified housing payment history - Borrower has mortgage history of 0x30x37 which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 33.58% DTI is below maximum 50% per guidelines.; | 12/03/2024 - Exception is cleared with the attached most recent two years wage transcripts. | 12/03/2024 - Exception is cleared with the attached most recent two years wage transcripts. - 12/03/2024 - Exception is cleared with the attached most recent two years wage transcripts. | Approved C |
| 900001294 | XXXX | 1088193 | 11/14/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Final CD Loan Disclosures / Escrow Account did not disclose if an escrow account was declined by the borrower or if the lender did not offer one. |  | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Disposable Income - Borrowers have $xxx in verified residual income.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001294 | XXXX | 1088464 | 11/17/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing final loan approval. | 11/22/2024 | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Disposable Income - Borrowers have $xxx in verified residual income.; | 11/21/2024 - Exception is cleared with the attached underwriting decision. | 11/21/2024 - Exception is cleared with the attached underwriting decision. - 11/21/2024 - Exception is cleared with the attached underwriting decision. | Funded C A |
| 900001308 | XXXX | 1088316 | 11/15/2024 | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 1 | Closed | Missing borrower accepted eDisclosure. | 11/21/2024 | Verified credit history - 733 Credit score exceeds minimum 680 per guidelines.; Disposable Income - Borrower has $xxx in verified residual income.; | 11/20/2024 - Exception is cleared with the attached technology consent agreement. | 11/20/2024 - Exception is cleared with the attached technology consent agreement. - 11/20/2024 - Exception is cleared with the attached technology consent agreement. | Approved C |
| 900001308 | XXXX | 1088334 | 11/15/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing evidence the last LE issued xx/xx/xx was received either electronically or in person. -- A revised Loan Estimate was provided on (xx/xx/xx) via (U.S. Mail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (xx/xx/xx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xx/xx/xx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xx/xx/xx) (12 CFR 1026.19(e)(4)(ii)) | 12/02/2024 | Verified credit history - 733 Credit score exceeds minimum 680 per guidelines.; Disposable Income - Borrower has $xxx in verified residual income.; | 11/25/2024 - Exception is cleared with the attached copy of the re-disclosed LE. Disclosure tracking for the latest issued LE was previously presented xxx/xx.<br>11/20/2024 - Exception is partially cleared with the attached borrower electronically signed latest LE and disclosure tracking. <br>--Finding remains. Per the attached disclosure tracking the loan file is missing the re-disclosed LE issued xx/xx. | 11/25/2024 - Exception is cleared with the attached copy of the re-disclosed LE. Disclosure tracking for the latest issued LE was previously presented xx/xx. - 11/25/2024 - Exception is cleared with the attached copy of the re-disclosed LE. Disclosure tracking for the latest issued LE was previously presented xx/xx. | Approved C |
| 900001308 | XXXX | 1088335 | 11/15/2024 | Compliance | Initial Closing Disclosure Sent Method Not In Person and No Received Date | TRID 0009 | 1 | Closed | Missing evidence Initial CD issued xx/xx/xx was received either electronically or in person. -- The Initial Closing Disclosure was provided on (xx/xx/xx) via (U.S. Mail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xx/xx/xx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xx/xx/xx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (xx/xx/xx), for consummation to occur on (xx/xx/xx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) | 11/21/2024 | Verified credit history - 733 Credit score exceeds minimum 680 per guidelines.; Disposable Income - Borrower has $xxx in verified residual income.; | 11/20/2024 - Exception is cleared with the attached borrower electronically signed initial CD and disclosure tracking. | 11/20/2024 - Exception is cleared with the attached borrower electronically signed initial CD and disclosure tracking. - 11/20/2024 - Exception is cleared with the attached borrower electronically signed initial CD and disclosure tracking. | Approved C |
| 900001308 | XXXX | 1088637 | 11/18/2024 | Credit | Income Calculation Discrepancy | CRED 0084 | 2 | Acknowledged | Approved DTI 39.46% / Review DTI 43.15%, variance > 3% tolerance due to lender using a 2 year average for income. Review used monthly salary x 11 and divided by 12 as borrower is paid 11 months per year. |  | Verified credit history - 733 Credit score exceeds minimum 680 per guidelines.; Disposable Income - Borrower has $xxx in verified residual income.; |  | Client: EV2/B Non-Material (Max 45%) | Approved C B |
| 900001297 | XXXX | 1088505 | 11/18/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Approval in file on page 95 is for $xxx loan amount; however per note the loan closed at $xxx. Provide final approval with corrected loan amount. | 11/21/2024 | Low DTI - 21.68% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has $xxx in verified residual income.; | 11/19/2024 - Exception is cleared with the attached updated loan approval. | 11/19/2024 - Exception is cleared with the attached updated loan approval. - 11/19/2024 - Exception is cleared with the attached updated loan approval. | Funded C A |
| 900001290 | XXXX | 1088294 | 11/15/2024 | Compliance | Initial CD Received Date is < 3 business days prior to Consummation Date | TRID 0008 | 1 | Closed | Per Disclosure Tracking - Missing initial CD date xx/xx/xx. | 11/21/2024 | Low LTV/CLTV/HCLTV - 58.14% CLTV is below 75% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | 11/21/2024 - Recd initial CD. | 11/21/2024 - Recd initial CD. - 11/21/2024 - Recd initial CD. | Funded C A |
| 900001290 | XXXX | 1088583 | 11/18/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing wage earner tax transcripts for most recent two years. | 11/21/2024 | Low LTV/CLTV/HCLTV - 58.14% CLTV is below 75% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | 11/21/2024 - Recd most recent two years wage transcripts. | <br>11/21/2024 - Recd most recent two years wage transcripts.<br>- 11/21/2024 - Recd most recent two years wage transcripts. | Funded C A |
| 900001290 | XXXX | 1088649 | 11/19/2024 | Property | Missing Required Property Inspection | PROP 0003 | 2 | Acknowledged | Subject is located in a declared disaster area. Missing post-disaster inspection. |  | Low LTV/CLTV/HCLTV - 58.14% CLTV is below 75% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | 11/22/2024 - Investor Acknowledged Exception for lender completed disaster report.<br>11/21/2024 - Recd lender completed disaster report.<br>--Finding remains. Missing investor acknowledgment to use lender completed disaster report. Per guidelines, Appraisals dated prior to disaster or disaster between loan closing and sale:<br>• Disaster Inspection must be ordered (Post Disaster Inspection (PDI) Report from (third party) or Damage Assessment Report (DAR) from (third party) or equivalent), or<br>• The appraiser may perform an inspection (agency form) and comment on the event and certify that there has been no change to the value | Client: Investor Acknowledged Exception for lender completed disaster report. | Funded C B |
| 900001323 | XXXX | 1088552 | 11/18/2024 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 1 | Closed | Additional lender credit of $xxx is insufficient to cure fee variance for the increase in the lender's title policy, and added admin, document prep, courier, notary, recording service and wire fee on LE issued xx/xx. | 11/27/2024 | Verified housing payment history - Borrowers have verified housing payment history of 0x30x48 which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 42.37% DTI is less than 50% maximum per guidelines.; | 11/27/2024 - Recd confirmation that the settlement service provider is not the same provider and operates independently from the disclosed provider on the SPL. Exception cleared with compliance resubmission, borrower shopped/chosen.<br>11/22/2024 - Re-reviewed. <br>--Finding remains. <br>1) The title charges were subject to the 10% because the borrower utilized the provider from the Service Provider List.<br>2) Amount to cure is $xxx.<br>11/20/2024 - "Lender credit increased from -$xxx to -$xxx. Please see section J on the final and PC CD."<br>--Finding remains. Lender credit is insufficient to cure 10% tolerance violation:<br>LE Disclosed Charges $xxx<br>Allowable Charges $xxx<br>CD Disclosed Charges $xxx<br>Difference is $xxx > Credit to Cure $xxx | 11/27/2024 - Recd confirmation that the settlement service provider is not the same provider and operates independently from the disclosed provider on the SPL. Exception cleared with compliance resubmission, borrower shopped/chosen. - 11/27/2024 - Recd confirmation that the settlement service provider is not the same provider and operates independently from the disclosed provider on the SPL. Exception cleared with compliance resubmission, borrower shopped/chosen. | Funded C A |
| 900001323 | XXXX | 1088792 | 11/19/2024 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing PUD rider to the Deed of Trust. | 12/17/2024 | Verified housing payment history - Borrowers have verified housing payment history of 0x30x48 which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 42.37% DTI is less than 50% maximum per guidelines.; | 12/12/20241 - Recd executed copy of the PUD Rider. Letter of intent to re-record previously presented xx/xx.<br>11/26/2024 - Recd unexecuted copy of the PUD Rider and DOT with letter of intent to re-record.<br>--Finding remains. Missing copy of the executed PUD Rider. | 12/12/20241 - Recd executed copy of the PUD Rider. Letter of intent to re-record previously presented xx/xx. - 12/12/20241 - Recd executed copy of the PUD Rider. Letter of intent to re-record previously presented xx/xx. | Funded C A |
| 900001323 | XXXX | 1088793 | 11/19/2024 | Credit | HOA Payment is not verified | CRED 0133 | 1 | Closed | Missing documentation to verify subject HOA fees. Review used estimate of $xxx per the final 1008. | 11/21/2024 | Verified housing payment history - Borrowers have verified housing payment history of 0x30x48 which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 42.37% DTI is less than 50% maximum per guidelines.; | 11/20/2024 - Attached bank statement reflects payment to homeowners association. | 11/20/2024 - Attached bank statement reflects payment to homeowners association. - 11/20/2024 - Attached bank statement reflects payment to homeowners association. | Funded C A |
| 900001296 | XXXX | 1088608 | 11/18/2024 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 1 | Closed | Missing hazard insurance paid receipt: <br>(insurer) - (policy #) - Premium $xxx.<br>First mortgage is not escrowed. | 11/25/2024 | Verified occupancy in subject property - xxx years occupying subject property.; Low LTV/CLTV/HCLTV - 47.13% CLTV is below 85% maximum per guidelines.; | 11/22/2024 - Exception is cleared with attached reflecting minimum due of $xxx and balance of $xxx. EOI in file reflects premium of $xxx with $xxx due. Premium is being paid in installments, Minimum Due $xxx, Amount Due $xxx with Premium of $xxx. | 11/22/2024 - Exception is cleared with attached reflecting minimum due of $xxx and balance of $xxx. EOI in file reflects premium of $xxx with $xxx due. Premium is being paid in installments, Minimum Due $xxx, Amount Due $xxx with Premium of $xxx. - 11/22/2024 - Exception is cleared with attached reflecting minimum due of $xxx and balance of $xxx. EOI in file reflects premium of $xxx with $xxx due. Premium is being paid in installments, Minimum Due $xxx, Amount Due $xxx with Premium of $xxx. | Funded C A |
| 900001317 | XXXX | 1089294 | 11/22/2024 | Credit | Unacceptable Mortgage History | CRED 0001 | 1 | Closed | Missing VOM for subject first lien to verify history 0x30s24 (or since inception). | 12/18/2024 | Verified housing payment history - Credit supplement confirms 35 months satisfactory mortgage rating.; | 12/12/2024 - Recd credit supplement confirming 24+ months satisfactory mortgage rating. | 12/12/2024 - Recd credit supplement confirming 24+ months satisfactory mortgage rating. - 12/12/2024 - Recd credit supplement confirming 24+ months satisfactory mortgage rating. | Funded C A |
| 900001317 | XXXX | 1089305 | 11/22/2024 | Credit | Property Type is prohibited | PROP 0002 | 1 | Closed | Subject is xxxx. Per guidelines xxxx properties which include xxxx are ineligible. | 12/02/2024 | Verified housing payment history - Credit supplement confirms 35 months satisfactory mortgage rating.; | 11/26/20247 - Recd email correspondence from the investor scenario desk, "We would not consider this to be xxx. Appears to be xxx. | 11/26/20247 - Recd email correspondence from the investor scenario desk, "We would not consider this to be xxxx. Appears to be xxxx. - 11/26/20247 - Recd email correspondence from the investor scenario desk, "We would not consider this to be xxxx. Appears to be xxxx. | Funded C A |
| 900001320 | XXXX | 1089316 | 11/22/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Employer WVOE wages (year) is not supported by the Wage Transcript reflecting. | 12/16/2024 | Verified housing payment history - Credit report confirms 49 months satisfactory mortgage rating.; Verified credit history - Middle Credit Score 750 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 59.75% CLTV < 85% Max Allowed.; | 12/10/2024 - Exception is cleared with the attached email correspondence from the borrowers employer explaining that income for (year) that is reflected on the pre-consummation WVOE was inaccurate because it was inadvertently obtained from from previous employment several years ago with same employer.<br>12/05/2024 - Recd post-consummation dated WVOE. Attached WVOE prior year wages is in line with W2. <br>--Finding remains. Missing employer reason for the difference in income between the pre and post-consummation dated WVOE's from $xxx to $xxx. | 12/10/2024 - Exception is cleared with the attached email correspondence from the borrowers employer explaining that income for (year) that is reflected on the pre-consummation WVOE was inaccurate because it was inadvertently obtained from from previous employment several years ago with same employer. - 12/10/2024 - Exception is cleared with the attached email correspondence from the borrowers employer explaining that income for (year) that is reflected on the pre-consummation WVOE was inaccurate because it was inadvertently obtained from from previous employment several years ago with same employer. | Funded C A |
| 900001320 | XXXX | 1089317 | 11/22/2024 | Credit | Missing Payoff/Demand Statement | DMND 0003 | 1 | Closed | Missing borrower signed authorization to payoff and close HELOC. | 12/04/2024 | Verified housing payment history - Credit report confirms 49 months satisfactory mortgage rating.; Verified credit history - Middle Credit Score 750 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 59.75% CLTV < 85% Max Allowed.; | 12/03/2024 - Exception is cleared with the attached account closing letter. | 12/03/2024 - Exception is cleared with the attached account closing letter. - 12/03/2024 - Exception is cleared with the attached account closing letter. | Funded C A |
| 900001418 | XXXX | 1089028 | 11/21/2024 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing PUD Rider. Property type verified as a PUD per title and the appraisal. | 12/18/2024 | Verified credit history - 812 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 61.13% CLTV w/a max allowed of 85%.; Verified employment history - xxx years verified w/current employer.; | 12/13/2024 - Recd recorded Corrective or Scriveners Affidavit with executed PUD Rider. | 12/13/2024 - Recd recorded Corrective or Scriveners Affidavit with executed PUD Rider. - 12/13/2024 - Recd recorded Corrective or Scriveners Affidavit with executed PUD Rider. | Funded C A |
| 900001418 | XXXX | 1089216 | 11/22/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing (most recent two years) Wage & Income transcripts. | 12/18/2024 | Verified credit history - 812 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 61.13% CLTV w/a max allowed of 85%.; Verified employment history - xxx years verified w/current employer.; | 12/18/2024 - Recd most recent two year tax transcripts.<br>11/25/2024 - Posted response is insufficient to satisfy the exception.<br>--Finding remains. (aus) underwriting is subject to tax transcripts requirements. Per guidelines, Tax Transcripts - Income Source Transcript Requirement: Wage Earner & 1099 - Wage & Income Transcripts for the year(s) of qualifying income. | 12/18/2024 - Recd most recent two year tax transcripts. - 12/18/2024 - Recd most recent two year tax transcripts. | Funded C A |
| 900001418 | XXXX | 1089238 | 11/22/2024 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Closing agent is reflected to be on the (agency) Exclusionary List for Escrow Officer Company per the fraud report. Lender has additional searches that verify the agent is the agent excluded. | 01/28/2025 | Verified credit history - 812 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 61.13% CLTV w/a max allowed of 85%.; Verified employment history - xxx years verified w/current employer.; | 01/24/2025 - Seller attests, A comprehensive review and vetting of the settlement agent was completed by (seller) quality control team. Please accept the attached response to clear this condition.<br>11/25/2024 - Posted response is insufficient to satisfy the exception. <br>--Finding remains. Searches presented in the original loan file confirm escrow officer, (name), is reflected on the (agency)exclusionary list. Missing documentation as to how the high risk fraud finding was cleared. | 01/24/2025 - Seller attests, A comprehensive review and vetting of the settlement agent was completed by (seller) quality control team. Please accept the attached response to clear this condition. - 01/24/2025 - Seller attests, A comprehensive review and vetting of the settlement agent was completed by (seller) quality control team. Please accept the attached response to clear this condition. | Funded C A |
| 900001311 | XXXX | 1089218 | 11/22/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | The final CD dated xx/xx/xx discloses the Disbursement date xx/xx/xx. The ROR page 120 discloses exp date of xx/xx/xx. | 12/09/2024 | Low LTV/CLTV/HCLTV - CLTV of 25%, maximum of 85% allowed per guidelines. ; Low DTI - DTI of 25.58%. Maximum DTI of 45% allowed. ; | 12/02/2024 - Recd the final settlement statement confirming the date of disbursement of xx/xx. Subject is located in a dry funding state. Missing is a copy of the dry funding CD.<br>11/24/2024 - Posted response is insufficient to satisfy the exception. <br>--Finding remains. Missing final settlement statement to confirm the date of disbursement. | 12/04/24 PC CD and HUD received confirming disbursement date of xx/xx/xx. - 12/04/24 PC CD and HUD received confirming disbursement date of xx/xx/xx. | Approved C |
| 900001288 | XXXX | 1089420 | 11/25/2024 | Credit | Unacceptable transaction type | CRED 0044 | 2 | Acknowledged | Borrower spouse is a borrower on the senior lien but is not a borrower on subject transaction. Per guidelines the borrowers on the senior lien must match the subject transaction. Lender approved exception. |  | Low DTI - 27.44% DTI is below 50% maximum per guidelines.; Verified credit history - 781 Credit score exceeds minimum 680 per guidelines.; |  | Client: Investor Acknowledged Exception | Funded C B |
| 900001321 | XXXX | 1089491 | 11/26/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | Missing initial rate lock agreement. Lock agreement in file reflects a rate of 8.375% on xx/xx. LE disclosed rated 8.625% on xx/xx. | 12/05/2024 | Low DTI - 30.08% DTI is below maximum 50% maximum per guidelines.; Disposable Income - Borrower has verified disposable income of $xxx.; | 12/05/2024 - Exception is cleared with the attached COC for re-disclosed LE.<br>12/03/2024 - Attached lock confirmation for rate change disclosed on xx/xx is insufficient to satisfy the exception.<br>--Finding remains. Missing COC for LE issued xx/xx due to initial rate lock, disclosed rate 8.625% good thru xx/xx. No lock agreement in file for the initial rate lock.<br>11/27/2024 - Recd COC (xx/xx) reflecting a decrease in rate from 8.625% to 8.375% for an additional cost of $xxx.<br>--Finding remains. Missing documented initial rate lock date disclosing initial locked rate. | 12/05/2024 - Exception is cleared with the attached COC for re-disclosed LE. - 12/05/2024 - Exception is cleared with the attached COC for re-disclosed LE. | Funded C A |
| 900001321 | XXXX | 1089502 | 11/26/2024 | Compliance | Right of Recission Is Not on Correct Form | ROR 0011 | 2 | Acknowledged | Transaction was completed on a H8 form. Lender to lender refinance should be completed on a H9 form. |  | Low DTI - 30.08% DTI is below maximum 50% maximum per guidelines.; Disposable Income - Borrower has verified disposable income of $xxx.; | 12/13/2024 - Exception is downgraded to EV2/B with the attached RORs, rescission period was reopened using the H9 form and the rescission period has expired. | Client: 12/13/2024 - Exception is downgraded to EV2/B with the attached RORs, rescission period was reopened using the H9 form and the rescission period has expired. | Funded C B |
| 900001321 | XXXX | 1089588 | 11/26/2024 | Credit | Condo Documentation is Insufficient | COND 0002 | 2 | Acknowledged | Missing required condo questionnaire with appropriate attachments. |  | Low DTI - 30.08% DTI is below maximum 50% maximum per guidelines.; Disposable Income - Borrower has verified disposable income of $xxx.; | 12/03/2024 - Exception is downgraded to EV2/B, project is (agency) approved.<br>11/27/2024 - Posted response is insufficient to satisfy the exception.<br>--Finding remains. Per guidelines, (agency) form 1076 or equivalent project questionnaire required on all reviews. | Client: Exception is downgraded to EV2/B, project is (agency) approved. | Funded C B |
| 900001391 | XXXX | 1089586 | 11/26/2024 | Compliance | Mortgage/Deed of Trust is not Recorded | DEED 0005 | 1 | Closed | Missing copy of lender's closing instructions to verify the requirement to record the mortgage or a copy of the recorded mortgage. | 12/18/2024 | Verified housing payment history - 319 months of mortgage history paid 0x30, verified per credit report. ; None - No other significant compensating factors. ; | 12/10/2024 - Recd closing instructions. | 12/10/2024 - Recd closing instructions. - 12/10/2024 - Recd closing instructions. | Funded C A |
| 900001391 | XXXX | 1089608 | 11/26/2024 | Compliance | Missing revised LE after Change of Circumstance | TRID 0172 | 1 | Closed | Missing LE that corresponds w/the COC loan amount change to $xxx. | 01/02/2025 | Verified housing payment history - 319 months of mortgage history paid 0x30, verified per credit report. ; None - No other significant compensating factors. ; | 12/18/2024 - Recd lender attestation that no re-disclosure was issued for COC because the increase to loan amount would cause the DTI > 45% Max Allowed. | 12/18/2024 - Recd lender attestation that no re-disclosure was issued for COC because the increase to loan amount would cause the DTI > 45% Max Allowed. - 12/18/2024 - Recd lender attestation that no re-disclosure was issued for COC because the increase to loan amount would cause the DTI > 45% Max Allowed. | Funded C A |
| 900001391 | XXXX | 1089618 | 11/26/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing COC for decrease in lender credit from $xxx on the initial CD. Interim CD reflects lender credit of $xxx, Final CD Lender Credit $xxx. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Closing Disclosure sent on xx/xx/xx, ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). | 01/02/2025 | Verified housing payment history - 319 months of mortgage history paid 0x30, verified per credit report. ; None - No other significant compensating factors. ; | 12/18/2024 - Exception is cleared with the attached rate lock details. | 12/18/2024 - Exception is cleared with the attached rate lock details. - 12/18/2024 - Exception is cleared with the attached rate lock details. | Funded C A |
| 900001391 | XXXX | 1089741 | 11/27/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Guidelines require bank statements, most recent dated within 60 days of note date. Most recent bank statement is dated August. Missing September statement. Income recalculation required upon submission of updated statement. | 12/18/2024 | Verified housing payment history - 319 months of mortgage history paid 0x30, verified per credit report. ; None - No other significant compensating factors. ; | 12/10/2024 - Posted response is insufficient to satisfy the exception.<br>--Updated statement presented CRED 0086. | 12/10/2024 - Posted response is insufficient to satisfy the exception.<br>--Updated statement presented CRED 0086. - 12/10/2024 - Posted response is insufficient to satisfy the exception.<br>--Updated statement presented CRED 0086. | Funded C A |
| 900001391 | XXXX | 1089753 | 11/27/2024 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 1 | Closed | Per approval, (creditor liability) was to be paid off at closing. Per CD the (liability) with payment of $xxx was not paid off. | 12/18/2024 | Verified housing payment history - 319 months of mortgage history paid 0x30, verified per credit report. ; None - No other significant compensating factors. ; | 12/11/2024 - Exception is cleared with the attached asset statement and lender posted response, loan file contains evidence that the business is paying the debt. | 12/11/2024 - Exception is cleared with the attached asset statement and lender posted response, loan file contains evidence that the business is paying the debt. - 12/11/2024 - Exception is cleared with the attached asset statement and lender posted response, loan file contains evidence that the business is paying the debt. | Funded C A |
| 900001391 | XXXX | 1089754 | 11/27/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | UPDATED EXCEPTION (Refer CRED 0082/CRED 0086): Review DTI 45.11% > 45% Max Allowed, using the updated asset statement presented resulted in the DTI increasing over the max allowed.<br>ORIGINAL EXCEPTION: QC DTI of 50.14% exceeds maximum of 45% allowed. Increase due to lender excluding payment of $xxx/mo to (liability) which was not paid off at closing as stated on loan approval. |  | Verified housing payment history - 319 months of mortgage history paid 0x30, verified per credit report. ; None - No other significant compensating factors. ; | 01/21/2025 - EV2/B Investor Acknowledged Exception<br>01/07/2025 - Please provide the breakdown of DTI as we are showing 44.92%. Thanks.<br>--Finding Remains.<br>Review calculated income total deposits $xxx x 50% / 12 = $xxx<br>PITIA $xxx + Other Debt $xxx = $xxx<br>Expenses $xxx / Income $xxx = 45.11%<br>REPOSTED xx/xx/xx<br>12/11/2024 - Exception is cleared with the attached asset statement and lender posted response, loan file contains evidence that the business is paying the debt (CRED 0086). | 12/11/2024 - Exception is cleared with the attached asset statement and lender posted response, loan file contains evidence that the business is paying the debt (CRED 0086). - Client: EV2/B Investor Acknowledged Exception<br>12/11/2024 - Exception is cleared with the attached asset statement and lender posted response, loan file contains evidence that the business is paying the debt (CRED 0086). | Funded C B |
| 900001348 | XXXX | 1089681 | 11/27/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | ABD not in file. FACTS state they do not share affiliates. Missing list of lender affiliates. If no affiliates were used finding can be cleared. | 12/06/2024 | Low LTV/CLTV/HCLTV - CLTV of 59.19%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 126 months of mortgage history paid 0x30, verified per credit report. ; | 12/06/2024 - Exception is cleared with the attached lender attestation confirming there are no affiliated business relationships to disclose.<br>12/03/2024 - Posted response is insufficient to satisfy the exception.<br>--Finding remains. Provide lender signed attestation confirming the lender has no affiliated business relationships to disclose or that no affiliates were used for the subject transaction. | 12/06/2024 - Exception is cleared with the attached lender attestation confirming there are no affiliated business relationships to disclose. - 12/06/2024 - Exception is cleared with the attached lender attestation confirming there are no affiliated business relationships to disclose. | Funded C A |
| 900001348 | XXXX | 1089682 | 11/27/2024 | Compliance | Missing Intent to Proceed | TRID 0130 | 1 | Closed | ITP not in file. | 12/11/2024 | Low LTV/CLTV/HCLTV - CLTV of 59.19%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 126 months of mortgage history paid 0x30, verified per credit report. ; |  | 12/09/24 Confirmation of verbal intent to proceed from borrower received. - 12/09/24 Confirmation of verbal intent to proceed from borrower received. | Funded C A |
| 900001348 | XXXX | 1089683 | 11/27/2024 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | E-Sign Disclosure not in file. | 12/06/2024 | Low LTV/CLTV/HCLTV - CLTV of 59.19%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 126 months of mortgage history paid 0x30, verified per credit report. ; | 12/03/2024 - TPR set in error. | 12/03/2024 - TPR set in error. - 12/03/2024 - TPR set in error. | Funded C A |
| 900001348 | XXXX | 1089686 | 11/27/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | 1) Missing COC for change in lender discount, Appraisal Disaster fee and Loan Amount on LE issued (date). <br>2) Missing COC for the added Lock Extension Fee of $xxx added to the CD dated (date). <br>3) Missing COC for increased recording fees on the CD dated (date). | 12/06/2024 | Low LTV/CLTV/HCLTV - CLTV of 59.19%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 126 months of mortgage history paid 0x30, verified per credit report. ; | 12/03/2024 - TPR set in error, in file. | 12/03/2024 - TPR set in error, in file. - 12/03/2024 - TPR set in error, in file. | Funded C A |
| 900001348 | XXXX | 1089691 | 11/27/2024 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 1 | Closed | Lender credit of $xxx is insufficient to cure fee variance caused by the following: Increase in discount, Added Lock extension fee, Disaster Inspection fee, and increased recording charges. --A Lender Credit for Excess Charges of ($xxx), Principal Reduction for Excess Charges of ($xxx), and general or specific lender credit increases of ($xxx) were applied to the total fee variance of ($xxx) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance.<br>Cleared | 12/06/2024 | Low LTV/CLTV/HCLTV - CLTV of 59.19%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 126 months of mortgage history paid 0x30, verified per credit report. ; | 12/03/2024 - Cleared upon compliance resubmission with COC's entered. | 12/03/2024 - Cleared upon compliance resubmission with COC's entered. - 12/03/2024 - Cleared upon compliance resubmission with COC's entered. | Funded C A |
| 900001348 | XXXX | 1089692 | 11/27/2024 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | The loan fees ($xxx) exceed the (FED2014) (Note Amount >=$xxx) fee limit, which is 5% of the Total Loan Amount ($xxx), the difference is ($xxx). (12 CFR 1026.32). | 01/06/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.19%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 126 months of mortgage history paid 0x30, verified per credit report. ; | 01/06/2025 - Recd guidance from counsel, funding fee excluded from high cost testing.<br>12/09/24 Recd from lender: Please provide a breakdown of the fees that are being included in TPR's calculations of points and fees. Please see attached compliance report that details what points and fees were included in the points and fees calculations. The title company is NOT an affiliate of (lender). The TPR firm has already cleared a condition with the previously provided attestation that (lender) does not have an affiliated business arrangements. The only title fee included in the points and fees calculation is the tax certification fee. All other title fees are excluded due to the title company is not an affiliate of (lender). <br>\*\* Review (compliance) report to be provided. Review confirmed no title fees are coded as paid to to an affiliate. | 01/06/2025 - Recd guidance from counsel, funding fee excluded from high cost testing.<br>- 01/06/2025 - Recd guidance from counsel, funding fee excluded from high cost testing. | Funded C A |
| 900001348 | XXXX | 1089696 | 11/27/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Subject is HPML. Full appraisal not provided. AVM only. | 01/06/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.19%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 126 months of mortgage history paid 0x30, verified per credit report. ; | 01/06/2025 - Recd guidance from counsel, funding fee excluded from high cost testing. Loan is not HPML after compliance resubmission excluding funding fee from high cost testing.<br>12/09/24 Recd from lender: Subject is not HPML. Please provide a breakdown of the fees that are being included in TPR's calculations of points and fees. Please see attached compliance report that details what points and fees were included in the points and fees calculations. The title company is NOT an affiliate of (lender). The TPR firm has already cleared a condition with the previously provided attestation that (lender) does not have an affiliated business arrangements. The only title fee included in the points and fees calculation is the tax certification fee. All other title fees are excluded due to the title company is not an affiliate of (lender).<br>\*\*\*\* Review(compliance) report to be provided. Review confirmed no title fees are coded as paid to to an affiliate. | 01/06/2025 - Recd guidance from counsel, funding fee excluded from high cost testing. Lon is not HPML after compliance resubmission excluding funding fee from high cost testing. - 01/06/2025 - Recd guidance from counsel, funding fee excluded from high cost testing. Lon is not HPML after compliance resubmission excluding funding fee from high cost testing. | Funded C A |
| 900001348 | XXXX | 1089884 | 12/02/2024 | Credit | HOA Payment is not verified | CRED 0133 | 1 | Closed | Missing verification of subject HOA payment. Review used $xxx/mo to qualify per 1008. | 12/06/2024 | Low LTV/CLTV/HCLTV - CLTV of 59.19%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 126 months of mortgage history paid 0x30, verified per credit report. ; | 12/03/2024 - TPR set in error. | 12/03/2024 - TPR set in error. - 12/03/2024 - TPR set in error. | Funded C A |
| 900001348 | XXXX | 1089917 | 12/02/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing tax transcripts for most recent two years. | 12/23/2024 | Low LTV/CLTV/HCLTV - CLTV of 59.19%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 126 months of mortgage history paid 0x30, verified per credit report. ; | 12/09/24 Recd from lender: Posted response is insufficient to satisfy the finding.<br>\*\* Finding remains per guideline transcripts are required. Wage Earner & 1099 Wage & Income Transcripts for the year(s) of qualifying income. Transcripts are only not required for bank statements loans.<br>12/03/2024 - Posted response is insufficient to satisfy the exception.<br>--Finding remains. Refer to Income - Tax Transcripts section of the guidelines. | 12/23/2024 - Tax transcripts received - 12/23/2024 - Tax transcripts received | Funded C A |
| 900001301 | XXXX | 1089727 | 11/27/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing final loan approval with approval date. 1008 is not signed or dated. | 12/04/2024 | Low LTV/CLTV/HCLTV - CLTV of 74.9%, maximum of 85% allowed per guidelines. ; Net tangible benefit - Debt consolidation saving borrower $xxx per month. ; | 12/03/2024 - Exception is cleared with the attached underwriting decision. | 12/03/2024 - Exception is cleared with the attached underwriting decision. - 12/03/2024 - Exception is cleared with the attached underwriting decision. | Approved C |
| 900001301 | XXXX | 1089738 | 11/27/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing. APR CD dated xx/xx 11.238%, APR final CD dated xx/xx 11.066% |  | Low LTV/CLTV/HCLTV - CLTV of 74.9%, maximum of 85% allowed per guidelines. ; Net tangible benefit - Debt consolidation saving borrower $xxx per month. ; |  | Client: EV2 Non-Material, APR decreased, benefit to borrower. | Approved C B |
| 900001301 | XXXX | 1089749 | 11/27/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Low LTV/CLTV/HCLTV - CLTV of 74.9%, maximum of 85% allowed per guidelines. ; Net tangible benefit - Debt consolidation saving borrower $xxx per month. ; |  | Client: EV2 Non-Material | Approved C B |
| 900001301 | XXXX | 1089750 | 11/27/2024 | Credit | Missing Required Fraud Tool | CRED 0089 | 1 | Closed | Missing complete fraud report. Two pages were provided. | 12/04/2024 | Low LTV/CLTV/HCLTV - CLTV of 74.9%, maximum of 85% allowed per guidelines. ; Net tangible benefit - Debt consolidation saving borrower $xxx per month. ; | 12/03/2024 - Exception is cleared with the attached fraud report, all fraud findings were addressed by lender or verified with documentation in file. | 12/03/2024 - Exception is cleared with the attached fraud report, all fraud findings were addressed by lender or verified with documentation in file. - 12/03/2024 - Exception is cleared with the attached fraud report, all fraud findings were addressed by lender or verified with documentation in file. | Approved C |
| 900001326 | XXXX | 1089865 | 12/02/2024 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Per first mortgage subject is located in a PUD. Missing PUD Rider to subject mortgage. Mortgage shows no PUD Rider was attached to mortgage. | 12/09/2024 | Low LTV/CLTV/HCLTV - CLTV of 41.86%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 262 months of mortgage history paid 0x30, verified per credit report. ; |  | 12/06/24 Executed PUD Rider received with letter of intent to Re-Record. - 12/06/24 Executed PUD Rider received with letter of intent to Re-Record. | Funded C A |
| 900001326 | XXXX | 1089866 | 12/02/2024 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing Legal Description, Exhibit A attachment to mortgage. | 12/09/2024 | Low LTV/CLTV/HCLTV - CLTV of 41.86%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 262 months of mortgage history paid 0x30, verified per credit report. ; |  | 12/05/25 Copy of DOT w/the Exhibit A legal received. - 12/05/25 Copy of DOT w/the Exhibit A legal received. | Funded C A |
| 900001326 | XXXX | 1089874 | 12/02/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Estimated property costs over Year 1 of $xxx does not include estimated HOA fees of $xxx/mo or $xxx/yr. |  | Low LTV/CLTV/HCLTV - CLTV of 41.86%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 262 months of mortgage history paid 0x30, verified per credit report. ; | 12/16/2024 - Recd PCCD and cover letter, 12 months property costs disclosed. US Mailbox Rule to be applied as no restitution is required.<br>12/05/24 Verification of subject HOA dues of $250 /yr received. Final CD dated xx/xx reflects Estimated Taxes, Insurance, and assessments of $xxx and estimated property costs over 1 yr of $xxx. With the newly verified monthly HOA fee of $xxx the Estimated Taxes, Insurance, and assessments should be updated to $xxx and "Other" for HOA indicated. Estimated Property Costs over Year 1 should be updated to $xxx. PC CD and LOE to the borrower required. | Client: 12/16/2024 - Recd PCCD and cover letter, 12 months property costs disclosed. US Mailbox Rule to be applied as no restitution is required. | Funded C B |
| 900001326 | XXXX | 1090014 | 12/02/2024 | Credit | Fraud Alert on Credit Report not addressed | CR 0004 | 1 | Closed | Fraud report lists NMLS Regulatory Actions against the broker in the transaction. UW comment only states that "action over one year ago". Insufficient explanation provided. | 12/09/2024 | Low LTV/CLTV/HCLTV - CLTV of 41.86%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 262 months of mortgage history paid 0x30, verified per credit report. ; | 12/05/24 Recd from lender: Attached is the current NMLS printout for (broker) showing they have active licenses in both states that had previously filed regulatory actions against them in xxx and xxx.<br>| 12/05/24 NMLS verification. Verification of of active status for the state of xx verified. - 12/05/24 NMLS verification. Verification of of active status for the state of xx verified. | Funded C A |
| 900001326 | XXXX | 1090035 | 12/02/2024 | Credit | Missing evidence of HOA Dues | CRED 0113 | 1 | Closed | Subject located in PUD based on prior mortgage. Per 1008 no HOA dues were included in qualifying. Fraud report includes estimated HOA dues. | 12/09/2024 | Low LTV/CLTV/HCLTV - CLTV of 41.86%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 262 months of mortgage history paid 0x30, verified per credit report. ; |  | 12/25/24 Verification of annual HOA fee received. - 12/25/24 Verification of annual HOA fee received. | Funded C A |
| 900001326 | XXXX | 1090044 | 12/03/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Per final CD proceeds were used to payoff (government) debt. Missing (government) payoff statement to confirm debt is paid in full. | 12/09/2024 | Low LTV/CLTV/HCLTV - CLTV of 41.86%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 262 months of mortgage history paid 0x30, verified per credit report. ; |  | 12/05/24 (Government) Record of Account showing the amount owed to them to payoff taxes in full received. Amount owed matched payoff amount. - 12/05/24 (Government) Record of Account showing the amount owed to them to payoff taxes in full received. Amount owed matched payoff amount. | Funded C A |
| 900001326 | XXXX | 1092143 | 12/20/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 12/20/2024 | Low LTV/CLTV/HCLTV - CLTV of 41.86%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 262 months of mortgage history paid 0x30, verified per credit report. ; |  | Duplicate of 0195 - Duplicate of 0195 | Funded C A |
| 900001335 | XXXX | 1090128 | 12/03/2024 | Credit | Missing Employment doc (VOE) | CRED 0007 | 1 | Closed | Missing reverification of employment for B1 dated within 30 calendar days prior to the Note date. (tax preparer) letter is dated > 30 days. <br>| 12/18/2024 | Verified housing payment history - 168 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 50%, maximum of 85% allowed per guidelines. ; | 12/12/2024 - Recd CPA letter dated < 30 days prior to the note date. | 12/12/2024 - Recd CPA letter dated < 30 days prior to the note date. - 12/12/2024 - Recd CPA letter dated < 30 days prior to the note date. | Funded C A |
| 900001335 | XXXX | 1090141 | 12/03/2024 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | The loan fees ($xxx) exceed the (NJ) High Cost fee limit, which is ($xxx), the difference is ($xxx). | 12/18/2024 | Verified housing payment history - 168 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 50%, maximum of 85% allowed per guidelines. ; | 12/12/2024 - Recd discount point fee disclosure; bonafide discount can be excluded. | 12/12/2024 - Recd discount point fee disclosure; bonafide discount can be excluded. - 12/12/2024 - Recd discount point fee disclosure; bonafide discount can be excluded. | Funded C A |
| 900001347 | XXXX | 1089978 | 12/02/2024 | Credit | Missing Flood Insurance Cert. | FLOOD 0007 | 1 | Closed | Missing flood cert. (Appraisal reflects Zone X). | 12/03/2024 |  | 12/02/2024 - Exception is cleared with the attached flood cert. | 12/02/2024 - Exception is cleared with the attached flood cert. - 12/02/2024 - Exception is cleared with the attached flood cert. | Funded C A |
| 900001347 | XXXX | 1089980 | 12/02/2024 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 1 | Closed | 1003 and credit report DOB for B2 doesn't match state issued ID. | 12/18/2024 |  | 12/16/2024 - Exception is cleared with the attached corrected 1003, B2 initial the change to the DOB.<br>12/06/24 Recd from lender: Can you confirm if borrower would need to acknowledge.<br>\*\* Yes borrower would need to acknowledge change. | 12/16/2024 - Exception is cleared with the attached corrected 1003, B2 initial the change to the DOB. - 12/16/2024 - Exception is cleared with the attached corrected 1003, B2 initial the change to the DOB. | Funded C A |
| 900001347 | XXXX | 1089984 | 12/02/2024 | Credit | Missing Paystub(s) | CRED 0136 | 1 | Closed | Missing YTD pay stubs for B1. \*\* Final DTI is pending \*\* | 12/11/2024 |  | 16/06/24 Recd from lender- B1 is self-employed. | 12/11/24 TPR Error, see CRED 0087 - Tax Returns/Transcripts are Insufficient. - 12/11/24 TPR Error, see CRED 0087 - Tax Returns/Transcripts are Insufficient. | Funded C A |
| 900001347 | XXXX | 1089985 | 12/02/2024 | Credit | Missing W2(s) | CRED 0137 | 1 | Closed | Missing most recent two years W2s for B1. | 12/03/2024 |  | 12/02/2024 - Exception is cleared with the attached most recent two years W2s for B1. | 12/02/2024 - Exception is cleared with the attached most recent two years W2s for B1. - 12/02/2024 - Exception is cleared with the attached most recent two years W2s for B1. | Funded C A |
| 900001347 | XXXX | 1089988 | 12/02/2024 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing verification of employment for B1 to verify current employment and start date per 1003. | 12/11/2024 |  | 12/04/2024 - Recd SOS dated > 30 days prior to closing and most recent two years business tax returns/k1s.<br>--Finding remains. Missing SOS completed at closing (xx/xx), as per VVOE. Attached SOS > 30 days prior to closing.<br>12/02/2024 - Recd VVOE form indicating SOS was used to verify self-employment. <br>--Finding remains. Missing copy of the SOS search used to verify self-employment. Also missing most recent two years 1120S/K-1's. | 12/10/24 SOS completed xx/xx/xx received. - 12/10/24 SOS completed xx/xx/xx received. | Funded C A |
| 900001347 | XXXX | 1089989 | 12/02/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing most recent two years Wage & Income transcripts for B1. | 12/03/2024 |  | 12/02/2024 - Exception is cleared with the attached most recent two years tax transcripts. | 12/02/2024 - Exception is cleared with the attached most recent two years tax transcripts. - 12/02/2024 - Exception is cleared with the attached most recent two years tax transcripts. | Funded C A |
| 900001347 | XXXX | 1090988 | 12/11/2024 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing copy of most recent two years personal and business returns with any applicable K1s. | 12/27/2024 |  | 12/19/2024 - Recd most recent two years personal and business tax returns. Transcripts were previously provided xx/xx.<br>12/16/2024 - Attached transcripts are insufficient to satisfy the exception.<br>--Finding remains. Missing most recent two years personal and business tax returns. | 12/19/2024 - Recd most recent two years personal and business tax returns. Transcripts were previously provided xx/xx. - 12/19/2024 - Recd most recent two years personal and business tax returns. Transcripts were previously provided xx/xx. | Funded C A |
| 900001394 | XXXX | 1090107 | 12/03/2024 | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 1 | Closed | Final CD (date) reflects a disbursement (date) with interest from date of (date). | 01/16/2025 | Verified employment history - B2 has xxx yrs verified w/current employer.; Verified housing payment history - First lien verified 0x30x46.; | 01/15/2025 - Recd wire information to confirm loan proceeds were disbursed to borrower (date). No prepaid interest was collected (date to date). Due to the HI Good Funds Law the settlement agent records and disburses 2 days after the loan is funded.<br>01/09/2025 - Posted response is insufficient to satisfy the exception.<br> --Finding remains. Title agent to confirm the actual date funds were disbursed to borrower via wire transmittal or check issuance. <br>01/06/2025 - Recd final settlement statement (time stamped) reflecting a disbursement (date). Final settlement statement presented 12/10 was also (time stamped) and reflects a disbursement date of (date) with wire transmittal processed date of (date). <br> --Finding remains. Settlement agent to address the discrepancy. The disbursement date of (date) with interest paid from (date) exceeds allowable 1 day difference.<br>12/23/2024 - Recd PCCD (disbursement (date) and interest from (date)). <br> --Finding remains. Attached PCCD does not match to the final settlement statement. Final settlement statement reflects a disbursement (date) with interest paid from (date), which exceeds allowable 1 day difference.<br>12/10/24 Final settlement statement, LOE to borrower and PC CD (date) received.<br> \*\*Finding remains, PC CD reflects disbursement (date) with interest from (date). Final HUD reflects disbursement (date) with interest from (date). Difference exceeds allowable 1 day difference for HI. | 01/15/2025 - Recd wire information to confirm loan proceeds were disbursed to borrower (date). No prepaid interest was collected (date to date). Due to the HI Good Funds Law the settlement agent records and disburses 2 days after the loan is funded. - 01/15/2025 - Recd wire information to confirm loan proceeds were disbursed to borrower (date). No prepaid interest was collected (date to date). Due to the HI Good Funds Law the settlement agent records and disburses 2 days after the loan is funded. | Funded C A |
| 900001394 | XXXX | 1090212 | 12/04/2024 | Property | Missing Property Condition | APPR 0020 | 1 | Closed | Missing exterior property inspection report. PCI must indicate average condition or better. | 12/19/2024 | Verified employment history - B2 has xxx yrs verified w/current employer.; Verified housing payment history - First lien verified 0x30x46.; | 12/16/2024 - Recd property condition report, condition is indicated to be good. | 12/16/2024 - Recd property condition report, condition is indicated to be good. - 12/16/2024 - Recd property condition report, condition is indicated to be good. | Funded C A |
| 900001397 | XXXX | 1090122 | 12/03/2024 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Per prior mortgage subject was located in a PUD. Missing PUD Rider to current mortgage. Mortgage does not indicate that PUD Rider was attached. | 01/08/2025 | Low DTI - 18.13% DTI, maximum of 45% allowed. ; Verified credit history - 790/814 qualifying credit scores, minimum required of 680. No derogatory credit. ; | 01/03/2025 - Recd corrective DOT with PUD Rider and letter of intent to record. | 01/03/2025 - Recd corrective DOT with PUD Rider and letter of intent to record. - 01/03/2025 - Recd corrective DOT with PUD Rider and letter of intent to record. | Funded C A |
| 900001397 | XXXX | 1090169 | 12/04/2024 | Credit | HOA Payment is not verified | CRED 0133 | 1 | Closed | Per prior mortgage subject was located in a PUD. 1008 stated HOA dues of $xxx/mo which was not verified. | 12/19/2024 | Low DTI - 18.13% DTI, maximum of 45% allowed. ; Verified credit history - 790/814 qualifying credit scores, minimum required of 680. No derogatory credit. ; | 12/17/2024 - Recd billing statement for upcoming year; borrower name, account number and address listed. <br>12/10/24 Statement for A/# (number) reflecting (present year) dues of $xxx however, the statement does not identify the borrower, property associated with account, or HOA.<br>\*\* Finding remains, missing HOA documentation that that identifies the borrower and property. | 12/17/2024 - Recd billing statement for upcoming year; borrower name, account number and address listed. <br>- 12/17/2024 - Recd billing statement for upcoming year; borrower name, account number and address listed. | Funded C A |
| 900001397 | XXXX | 1090171 | 12/04/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing borrower rate lock agreement to confirm pricing. COC file reflects rate locked (date) at 7.875% with origination credit of 0.563%. Re-disclosed CDs disclosed credit 0.0563%. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Loan Estimate sent on xx/xx, ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). | 12/16/2024 | Low DTI - 18.13% DTI, maximum of 45% allowed. ; Verified credit history - 790/814 qualifying credit scores, minimum required of 680. No derogatory credit. ; | 12/16/2024 - Recd response from investor, "There is rate lock, issued (date) and shows the price adj of xxx for the program exception on the rate lock, that coincides with the amount of the lender credit reduction. The CoC reflects, revisions requested by the consumer, and CD was issued within 3 days of the CoC". Exception approval previously presented on (date) to support. <br>12/06/24 Recd from lender: Please see attached LRP exception approval and CoC.<br>\*\* Finding remains, COC reflecting date of change (date) only addressed changes to the settlement charges. No indication of change in Rate and/or the lender credits. (Lender credit (date) CD $xxx, Lender Credit (date) CD $xxx) | 12/16/2024 - Recd response from investor, "There is rate lock, issued (date) and shows the price adj of .xxx for the program exception on the rate lock, that coincides with the amount of the lender credit reduction. The CoC reflects, revisions requested by the consumer, and CD was issued within 3 days of the CoC". Exception approval previously presented on (date) to support. - 12/16/2024 - Recd response from investor, "There is rate lock, issued (date) and shows the price adj of .xxx for the program exception on the rate lock, that coincides with the amount of the lender credit reduction. The CoC reflects, revisions requested by the consumer, and CD was issued within 3 days of the CoC". Exception approval previously presented on (date) to support. | Funded C A |
| 900001310 | XXXX | 1090219 | 12/04/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>|  | Verified credit history - 775 qualifying credit scores, minimum required of 700. No derogatory credit. ; Verified housing payment history - 130 months of mortgage history paid 0x30, verified per credit report. ; |  | Client: EV2/B - Non-Material. | Approved C B |
| 900001346 | XXXX | 1090315 | 12/05/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. 1008 used for ratios. | 12/19/2024 | Verified housing payment history - Borrower has a verified mortgage pay history of 0x30x45 which exceeds minimum 24 month history.; Disposable Income - Borrower has $xxx in disposable income.; | 12/17/2024 - Recd loan approval. | 12/17/2024 - Recd loan approval. - 12/17/2024 - Recd loan approval. | Funded D A |
| 900001346 | XXXX | 1090513 | 12/09/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Subject property is a suburban property with agricultural zoning. Appraiser noted subject is not considered agricultural. Investor approved exception for rural property. |  | Verified housing payment history - Borrower has a verified mortgage pay history of 0x30x45 which exceeds minimum 24 month history.; Disposable Income - Borrower has $xxx in disposable income.; |  | Client: EV2/B - Investor Acknowledged Exception. | Funded C B |
| 900001312 | XXXX | 1090417 | 12/06/2024 | Compliance | Intent To Proceed Date < Loan Estimate Presumed Received Date | TRID 0044 | 1 | Closed | Unable to confirm receipt of initial LE due to tracking information is obscured by Lender's name on page xxx. Missing disclosure tracking evidencing delivery to borrower was completed xx/xx. -- The Loan Estimate was provided or mailed on (xx/xx/xx). Since it was not provided in person, a consumer is considered to have received the Loan Estimate on (xx/xx/xx), which is after (xx/xx/xx); the date the consumer indicated an intent to proceed with the transaction. A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) | 12/11/2024 | Verified credit history - 780 Credit score exceeds minimum 700 required per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; |  | 12/10/24 Disclosure tracking confirming borrower receipt of initial disclosures on xx/xx/xx received. - 12/10/24 Disclosure tracking confirming borrower receipt of initial disclosures on xx/xx/xx received. | Approved C |
| 900001331 | XXXX | 1090427 | 12/06/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing loan approval/underwriting decision. Only 1008 provided. | 12/20/2024 | Low LTV/CLTV/HCLTV - 61.12% CLTV is below 80% maximum per guidelines.; Low DTI - 35.54% DTI is below 45% maximum per guidelines.; | 12/16/2024 - Recd conditional loan approval.<br>--Finding remains. Loan approval does not reflect the date the loan was approved.<br>12/13/2024 - Attached 1008 is insufficient to satisfy the exception. <br>--Finding remains. Missing the loan approval with lenders closing conditions (underwriting decision). | 12/16/2024 - Recd conditional loan approval. - 12/16/2024 - Recd conditional loan approval. | Funded D A |
| 900001331 | XXXX | 1090434 | 12/06/2024 | Compliance | All title holders did not execute the Mortgage/DOT | DEED 0037 | 1 | Closed | Missing grant deed transferring property from Trust to the individual borrowers. | 12/19/2024 | Low LTV/CLTV/HCLTV - 61.12% CLTV is below 80% maximum per guidelines.; Low DTI - 35.54% DTI is below 45% maximum per guidelines.; | 12/16/2024 - Recd warranty deed transferring title from trust to borrowers individually.<br>12/13/2024 - Recd DOT.<br>--Finding remains. Missing grant deed transferring property from Trust to the individual borrowers. | 12/16/2024 - Recd warranty deed transferring title from trust to borrowers individually. - 12/16/2024 - Recd warranty deed transferring title from trust to borrowers individually. | Funded C A |
| 900001331 | XXXX | 1090435 | 12/06/2024 | Compliance | Missing Right of Rescission | ROR 0001 | 1 | Closed | Missing ROR. | 12/16/2024 | Low LTV/CLTV/HCLTV - 61.12% CLTV is below 80% maximum per guidelines.; Low DTI - 35.54% DTI is below 45% maximum per guidelines.; | 12/13/2024 - Recd ROR. | 12/13/2024 - Recd ROR. - 12/13/2024 - Recd ROR. | Funded C A |
| 900001331 | XXXX | 1090438 | 12/06/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing affiliated business disclosure or evidence that the lender does not have any affiliated business relationships to disclose. | 12/16/2024 | Low LTV/CLTV/HCLTV - 61.12% CLTV is below 80% maximum per guidelines.; Low DTI - 35.54% DTI is below 45% maximum per guidelines.; | 12/13/2024 - Recd lender attestation confirming that there are no affiliated business relationships to disclose, thus no ABD required. | 12/13/2024 - Recd lender attestation confirming that there are no affiliated business relationships to disclose, thus no ABD required. - 12/13/2024 - Recd lender attestation confirming that there are no affiliated business relationships to disclose, thus no ABD required. | Funded C A |
| 900001331 | XXXX | 1090440 | 12/06/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Missing homeownership counseling disclosure. | 12/16/2024 | Low LTV/CLTV/HCLTV - 61.12% CLTV is below 80% maximum per guidelines.; Low DTI - 35.54% DTI is below 45% maximum per guidelines.; | 12/13/2024 - Recd homeownership counseling disclosure. | 12/13/2024 - Recd homeownership counseling disclosure. - 12/13/2024 - Recd homeownership counseling disclosure. | Funded C A |
| 900001331 | XXXX | 1090443 | 12/06/2024 | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 1 | Closed | Missing borrower eConsent. Evidence of esign in file. | 12/16/2024 | Low LTV/CLTV/HCLTV - 61.12% CLTV is below 80% maximum per guidelines.; Low DTI - 35.54% DTI is below 45% maximum per guidelines.; | 12/13/2024 - Recd disclosure tracking reflecting eConsent date (RESPA 0029) | 12/13/2024 - Recd disclosure tracking reflecting eConsent date (RESPA 0029) - 12/13/2024 - Recd disclosure tracking reflecting eConsent date (RESPA 0029) | Funded C A |
| 900001331 | XXXX | 1090452 | 12/06/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for increase in the discount fee from $xxx to $xxx. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on 11/5: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). | 12/19/2024 | Low LTV/CLTV/HCLTV - 61.12% CLTV is below 80% maximum per guidelines.; Low DTI - 35.54% DTI is below 45% maximum per guidelines.; | 12/16/2024 - Exception is cleared with the attached COC report, loan amount increased driving the loan discount to increase.<br>12/13/2024 - Recd COC xx/xx with re-disclosed LE.<br>--Finding remains. Missing COC for the increase to the loan discount fee to $xxx. | 12/16/2024 - Exception is cleared with the attached COC report, loan amount increased driving the loan discount to increase.<br>- 12/16/2024 - Exception is cleared with the attached COC report, loan amount increased driving the loan discount to increase. | Funded C A |
| 900001331 | XXXX | 1090453 | 12/06/2024 | Compliance | Document Intent to Proceed with the Transaction | TRID 0047 | 1 | Closed | Missing intent to proceed. You did not submit an Intent to Proceed Date, which represents the date the consumer acknowledged their intent to proceed with the transaction described by the Loan Estimate. The creditor must document this communication to satisfy the requirements of xxx. Neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) | 12/16/2024 | Low LTV/CLTV/HCLTV - 61.12% CLTV is below 80% maximum per guidelines.; Low DTI - 35.54% DTI is below 45% maximum per guidelines.; | 12/13/2024 - Recd ITP. | 12/13/2024 - Recd ITP. - 12/13/2024 - Recd ITP. | Funded C A |
| 900001331 | XXXX | 1091580 | 12/16/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 12/16/2024 | Low LTV/CLTV/HCLTV - 61.12% CLTV is below 80% maximum per guidelines.; Low DTI - 35.54% DTI is below 45% maximum per guidelines.; |  | Duplicate of 0195 - Duplicate of 0195 | Funded C A |
| 900001373 | XXXX | 1090556 | 12/09/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD does not reflect the estimated property costs over year 1 or any estimated taxes, insurance, and assessments. 1st mortgage is escrowed, but per the mortgage statement only for property tax is escrowed, not the $xxx insurance premium. |  | Established credit history - Open, active credit dates back xxx years with no reported default.; Verified ownership of subject property - Borrowers have owned the subject property xxx years.; Verified employment history - Both borrowers have been with their current employers xxx years.; Verified reserves - 2 months reserves or $xxx required, net cash out proceeds after (creditor) balance 37.26 months or $xxx.; | 12/20/2024 - Recd PCCD and cover letter. US Mailbox Rule applied.<br>12/17/2024 - Recd PCCD and cover letter. <br>--Finding remains. Review is unable to reconcile disclosed property costs $xxx. Documented tax $xxx with insurance $xxx totals $xxx.<br>12/12/24 Mortgage statement pg 103 confirms only taxes are escrowed on the first lien. | Client: 12/20/2024 - Recd PCCD and cover letter. US Mailbox Rule applied. | Funded C B |
| 900001373 | XXXX | 1090559 | 12/09/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | CD does not indicate the reason for not having an escrow account. |  | Established credit history - Open, active credit dates back xxx years with no reported default.; Verified ownership of subject property - Borrowers have owned the subject property xxx years.; Verified employment history - Both borrowers have been with their current employers xxx years.; Verified reserves - 2 months reserves or $xxx required, net cash out proceeds after (creditor) balance 37.26 months or $xxx.; |  | Client: EV2/B Non-material | Funded C B |
| 900001373 | XXXX | 1090561 | 12/09/2024 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 1 | Closed | Hazard insurance is not escrowed on the first mortgage, evidence of insurance does not address the payment status or balance due. | 12/18/2024 | Established credit history - Open, active credit dates back xxx years with no reported default.; Verified ownership of subject property - Borrowers have owned the subject property xxx years.; Verified employment history - Both borrowers have been with their current employers xxx years.; Verified reserves - 2 months reserves or $xxx required, net cash out proceeds after (creditor) balance 37.26 months or $xxx.; | 12/16/2024 - Exception is cleared with the attached payment notification, borrower is paying the premium in installments. | 12/16/2024 - Exception is cleared with the attached payment notification, borrower is paying the premium in installments. - 12/16/2024 - Exception is cleared with the attached payment notification, borrower is paying the premium in installments. | Funded C A |
| 900001373 | XXXX | 1090577 | 12/09/2024 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 1 | Closed | Missing verification of the (car lease) $xxx/month reflected on borrower 1's application, but not on the credit report. | 12/11/2024 | Established credit history - Open, active credit dates back xxx years with no reported default.; Verified ownership of subject property - Borrowers have owned the subject property xxx years.; Verified employment history - Both borrowers have been with their current employers xxx years.; Verified reserves - 2 months reserves or $xxx required, net cash out proceeds after (creditor) balance 37.26 months or $xxx.; | 12/10/24 Recd from lender: Please see page xxx of the file. | 12/11/24 Finding cleared, TRP error. - 12/11/24 Finding cleared, TRP error. | Funded C A |
| 900001373 | XXXX | 1090578 | 12/09/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | No evidence of receipt for the xx/xx Loan Estimate. Disclosure not signed, no electronic tracking or acknowledgement of receipt in the file. -- A revised Loan Estimate was provided on (xx/xx) via (U.S. Mail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (xx/xx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xx/xx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xx/xx). (12 CFR 1026.19(e)(4)(ii)) | 12/11/2024 | Established credit history - Open, active credit dates back xxx years with no reported default.; Verified ownership of subject property - Borrowers have owned the subject property xxx years.; Verified employment history - Both borrowers have been with their current employers xxx years.; Verified reserves - 2 months reserves or $xxx required, net cash out proceeds after (creditor) balance 37.26 months or $xxx.; |  | 12/10/24 Disclosure tracking confirming borrower receipt on xx/xx/xx received. - 12/10/24 Disclosure tracking confirming borrower receipt on xx/xx/xx received. | Funded C A |
| 900001333 | XXXX | 1090468 | 12/06/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing Loan Approval, only the unsigned 1008 is in the file. | 12/27/2024 | Established credit history - Open active credit dates back to xxx years with no reported default.; Verified reserves - 2 months reserves or $xxx required, 22.38 months or $xxx received from cash out proceeds.; | 12/23/2024 - Recd conditional approval. | 12/23/2024 - Recd conditional approval. - 12/23/2024 - Recd conditional approval. | Funded C A |
| 900001333 | XXXX | 1090469 | 12/06/2024 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing final CD, subject is in a dry funding state and only the CD signed at closing is in the file. | 12/23/2024 | Established credit history - Open active credit dates back to xxx years with no reported default.; Verified reserves - 2 months reserves or $xxx required, 22.38 months or $xxx received from cash out proceeds.; |  | 12/23/2024 - PCCD with updated disbursement date recd - 12/23/2024 - PCCD with updated disbursement date recd | Funded C A |
| 900001333 | XXXX | 1090488 | 12/06/2024 | Credit | Fraud Alert on Credit Report not addressed | CR 0004 | 1 | Closed | The credit report includes an extended fraud alert, missing evidence this was addressed prior to extending credit. | 12/23/2024 | Established credit history - Open active credit dates back to xxx years with no reported default.; Verified reserves - 2 months reserves or $xxx required, 22.38 months or $xxx received from cash out proceeds.; |  | 12/23/2024 - Recd Processor Cert confirming application with the borrower. - 12/23/2024 - Recd Processor Cert confirming application with the borrower. | Funded C A |
| 900001333 | XXXX | 1090491 | 12/06/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Review DTI is 70.72%, approved as 28.659% per the 1008. Qualifying income does not appear to take into account that the borrower's percentage of ownership is only 33.33% per the (tax preparer) letter, as the figure used is 50% of the total average eligible deposits from the bank statement calculator.<br>| 12/23/2024 | Established credit history - Open active credit dates back to xxx years with no reported default.; Verified reserves - 2 months reserves or $xxx required, 22.38 months or $xxx received from cash out proceeds.; |  | 12/23/2024 - Recd additional account for bank statement income - 12/23/2024 - Recd additional account for bank statement income | Funded C A |
| 900001303 | XXXX | 1090511 | 12/08/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified housing payment history - Borrower has mortgage history of 0x30x66 which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 55.04% CLTV is below 75% maximum per guidelines.; |  | Client: EV2/B Non-Material | Approved C B |
| 900001303 | XXXX | 1090719 | 12/10/2024 | Property | Non-Warrantable Condominium | COND 0011 | 2 | Acknowledged | Subject property is non-warrantable due to the deductible being 9% on all perils instead of the required 5% on warrantable condos. Approved exception on page xxx. |  | Verified housing payment history - Borrower has mortgage history of 0x30x66 which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 55.04% CLTV is below 75% maximum per guidelines.; |  | Client: EV2/B Investor Acknowledged Exception on page xxx. | Approved C B |
| 900001339 | XXXX | 1090590 | 12/09/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Escrow account section on final CD is incomplete. No reason given for not having an escrow account. |  | Verified credit history - 813 Credit score exceeds minimum 700 per guidelines.; Verified housing payment history - Borrower has verified mortgage history of 0x30x45 which exceeds minimum 0x30x24 required per guidelines.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001339 | XXXX | 1090723 | 12/10/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing loan approval/underwriting decision. | 12/11/2024 | Verified credit history - 813 Credit score exceeds minimum 700 per guidelines.; Verified housing payment history - Borrower has verified mortgage history of 0x30x45 which exceeds minimum 0x30x24 required per guidelines.; |  | 12/11/24 Lender loan approval received. - 12/11/24 Lender loan approval received. | Funded C A |
| 900001339 | XXXX | 1090734 | 12/10/2024 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 1 | Closed | Missing verbal verification of employment dated within 10 business days of note date. | 12/18/2024 | Verified credit history - 813 Credit score exceeds minimum 700 per guidelines.; Verified housing payment history - Borrower has verified mortgage history of 0x30x45 which exceeds minimum 0x30x24 required per guidelines.; | 12/12/2024 - Recd 3rd Party VOE. | 12/12/2024 - Recd 3rd Party VOE. - 12/12/2024 - Recd 3rd Party VOE. | Funded C A |
| 900001325 | XXXX | 1090771 | 12/10/2024 | Credit | HOA Payment is not verified | CRED 0133 | 1 | Closed | HOA Payment is not verified. No documentation of HOA expense in the file. | 12/18/2024 | Verified housing payment history - Borrower has verified mortgage history of 0x30x83 which exceeds minimum required 0x30x24.; Low DTI - 26.79% DTI is below 45% maximum per guidelines.; | 12/11/2024 - Recd HOA statement. | 12/11/2024 - Recd HOA statement. - 12/11/2024 - Recd HOA statement. | Funded C A |
| 900001327 | XXXX | 1090789 | 12/10/2024 | Credit | Unacceptable Mortgage History | CRED 0001 | 2 | Acknowledged | Discrepancy between the VOM and Credit Report not addressed. Credit report reflects 1x30 xx/xx. VOM reflects no late payments. Guideline requires 0x30x24 mortgage history. |  | Verified credit history - 736 Credit score exceeds minimum 680 per guidelines.; Low DTI - 36.67% DTI is below 45% maximum per guidelines.; |  | Client: Investor Acknowledged Exception based on the following comp factors: Full doc<br>736 FICO<br>54.19% CLTV<br>36.62% DTI | Funded C B |
| 900001396 | XXXX | 1090595 | 12/09/2024 | Credit | APN Number is not listed on Security Instrument | COLL 0001 | 1 | Closed | APN and legal description is not listed on Mortgage. | 12/19/2024 | Verified reserves - 2 months PITI reserves required; proceeds used for reserves. 43 months of PITI reserves verified. ; Low DTI - 24.51% DTI, maximum of 45% allowed. ; Verified housing payment history - 197 months of mortgage history paid 0x30, verified per credit report. ; | 12/17/2024 - Recd recorded Mortgage with legal description attached, thus satisfactorily identifying the subject property.<br>12/12/2024 - Mortgage does not provide the PIN or the legal description . Lender should contact title agent for guidance on curative action required. | 12/17/2024 - Recd recorded Mortgage with legal description attached, thus satisfactorily identifying the subject property. - 12/17/2024 - Recd recorded Mortgage with legal description attached, thus satisfactorily identifying the subject property. | Funded C A |
| 900001396 | XXXX | 1090599 | 12/09/2024 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | COCs have no corresponding disclosure in file. | 01/03/2025 | Verified reserves - 2 months PITI reserves required; proceeds used for reserves. 43 months of PITI reserves verified. ; Low DTI - 24.51% DTI, maximum of 45% allowed. ; Verified housing payment history - 197 months of mortgage history paid 0x30, verified per credit report. ; | 12/31/2024 - Posted response confirms that all disclosures issued to borrower were received for review.<br>12/12/2024 - Recd CD (date) and what appears to be a working draft CD (date).<br>--Finding remains. COC (date) reflects loan amount changed to $xxx. There are no disclosures disclosing that loan amount in file. The draft CD (date) that was presented is incomplete. COC (date) reflects loan amount changed to $xxx and invoices uploaded "title report". The (date) CD in file disclosed loan amount of $xxx but has a different COC form attached dated the same day as the other COC form, thus review is unable to determine if both COCs are associated with the same (date) CD. Lender to confirm what dates re-disclosures were issued.<br>| 12/31/2024 - Posted response confirms that all disclosures issued to borrower were received for review.<br>- 12/31/2024 - Posted response confirms that all disclosures issued to borrower were received for review. | Funded C A |
| 900001396 | XXXX | 1090718 | 12/10/2024 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Missing credit inquiry letter addressing 8 inquiries noted in the past 90 days. | 12/19/2024 | Verified reserves - 2 months PITI reserves required; proceeds used for reserves. 43 months of PITI reserves verified. ; Low DTI - 24.51% DTI, maximum of 45% allowed. ; Verified housing payment history - 197 months of mortgage history paid 0x30, verified per credit report. ; | 12/17/2024 - Recd borrower signed credit inquiry letter confirming no new debt was obtained.<br>12/12/2024 - Posted response is insufficient to satisfy the exception.<br>--Finding remains. Credit inquires were completed prior to subject loan application date. | 12/17/2024 - Recd borrower signed credit inquiry letter confirming no new debt was obtained. - 12/17/2024 - Recd borrower signed credit inquiry letter confirming no new debt was obtained. | Funded C A |
| 900001396 | XXXX | 1090721 | 12/10/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing signed Business Narrative meeting investor guidelines. |  | Verified reserves - 2 months PITI reserves required; proceeds used for reserves. 43 months of PITI reserves verified. ; Low DTI - 24.51% DTI, maximum of 45% allowed. ; Verified housing payment history - 197 months of mortgage history paid 0x30, verified per credit report. ; | 12/23/24 Email received Investor acknowledges and grants an exception for the missing Narrative.<br>12/17/2024 - Posted response is insufficient to satisfy the exception. The narrative is to be completed by the borrower and is not related to the (tax preparer) verification of expense ratio. <br>--Finding remains. Lender to confirm which guideline the loan was underwritten.<br>12/12/2024 - Post response is insufficient to satisfy the exception.<br>--Finding remains. Lender to confirm which guidelines the loan was underwritten. Per guidelines, General Criteria:<br>• Verification the borrower has been self-employed in the same business for the last 2 years<br>and has a minimum of 25% ownership:<br>o Letter from the CPA, tax preparer (PTIN), regulatory agency, or equivalent<br>• Provide a signed written business narrative. Must include:<br>o Description of business operation<br>o Primary products and or services<br>o Who is the customer base<br>o Number of full-time employees,<br>o Any other information that would help determine eligible deposits | Client: Investor Acknowledged Exception. | Funded C B |
| 900001381 | XXXX | 1090624 | 12/09/2024 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | Missing LE or CD that corresponds with the COC (date) for Rate Change. | 01/09/2025 | Verified employment history - Borrower 1 has been on current job xxx years and Borrower 2 has been on current job xxx years.; Low DTI - 31.04% DTI is below 45% maximum per guidelines.; | 01/07/2025 - Recd lender attestation confirming no LE was issued (date).<br>12/31/2024 - Plaza disagrees with this finding. The COC request dated (date) was provided by the broker for a loan amount increase. The loan went back to the UW (date) for review – the Loan Amount was increased by the UW on (date) to $85,000. The loan was then locked on (date). On (date) the lock confirmation was updated reflecting the new loan amount of $xxx as well as the increased Rate of 8.625%. The COC for the Float to Lock, Loan Amount increase, and Rate change was completed<br>on (date) with a valid COC within 3 days.<br>--Finding remains. Provide lender signed attestation confirming that no LE was issued to the borrower on (date)<br>12/12/2024 - The COC is for a loan increase and it is dated (date). The COC is for a rate change to 8.625 and it is dated (date). Which COC do you mean?<br>--Loan file is missing LE associated with the (date) COC. | 01/07/2025 - Recd lender attestation confirming no LE was issued xx/xx. - 01/07/2025 - Recd lender attestation confirming no LE was issued xx/xx. | Approved C |
| 900001381 | XXXX | 1090922 | 12/11/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Subject property is rural property which requires prior approval. Approved exception in file. |  | Verified employment history - Borrower 1 has been on current job xxx years and Borrower 2 has been on current job xxx years.; Low DTI - 31.04% DTI is below 45% maximum per guidelines.; |  | Client: EV2/B Investor Acknowledged Exception | Approved C B |
| 900001357 | XXXX | 1090976 | 12/11/2024 | Credit | Unacceptable transaction type | CRED 0044 | 1 | Closed | Guidelines require that borrowers on the senior lien must be the same as on the second lien. Borrower's spouse is not on the subject loan but is on the senior lien. No Investor acknowledgment located in file. | 12/18/2024 | Verified employment history - Borrower has been on current job xxx years.; Verified credit history - 778 Credit score exceeds minimum 700 required per guidelines.; | 12/12/2024 - Investor variance on file for seller. | 12/12/2024 - Investor variance on file for seller - 12/12/2024 - Investor variance on file for seller | Funded C A |
| 900001357 | XXXX | 1090981 | 12/11/2024 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Missing verification of HOA fees for non-subject REO. Property is reported as xxx per the Total Review Report in file. | 01/02/2025 | Verified employment history - Borrower has been on current job xxx years.; Verified credit history - 778 Credit score exceeds minimum 700 required per guidelines.; | 12/20/2024 - Recd borrower signed letter confirming no HOA fees for non subject REO. Review online search reflects xxx not subject to any HOA fees. | 12/20/2024 - Recd borrower signed letter confirming no HOA fees for non subject REO. Review online search reflects xxx not subject to any HOA fees. - 12/20/2024 - Recd borrower signed letter confirming no HOA fees for non subject REO. Review online search reflects xxx not subject to any HOA fees. | Funded C A |
| 900001334 | XXXX | 1090985 | 12/11/2024 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 1 | Closed | 1003 states borrower has lived at current residence for 2 years. Appraisal, title, and fraud report confirm purchase of the subject 1 yr and 5 mths as of the application date. Missing complete 2 years residence history. | 12/18/2024 | Low LTV/CLTV/HCLTV - 2 months PITI reserves required. 15.6 months PITI reserves confirmed from loan proceeds. ; Verified credit history - 773 qualifying credit scores, minimum required of 700. No derogatory credit. ; | 12/16/2024 - Recd updated 1003 reflecting complete 2 years housing history. Change was made to match the documentation in file, thus no borrower signature required as the correction is deemed non-material. | 12/16/2024 - Recd updated 1003 reflecting complete 2 years housing history. Change was made to match the documentation in file, thus no borrower signature required as the correction is deemed non-material. - 12/16/2024 - Recd updated 1003 reflecting complete 2 years housing history. Change was made to match the documentation in file, thus no borrower signature required as the correction is deemed non-material. | Funded C A |
| 900001334 | XXXX | 1090987 | 12/11/2024 | Credit | Missing Lender Project Condo Classification | COND 0010 | 1 | Closed | No Condo documents provided. Only Master Insurance policy provided. | 12/18/2024 | Low LTV/CLTV/HCLTV - 2 months PITI reserves required. 15.6 months PITI reserves confirmed from loan proceeds. ; Verified credit history - 773 qualifying credit scores, minimum required of 700. No derogatory credit. ; | 12/13/2024 - Recd lender project approval that indicates agency approved. | 12/13/2024 - Recd lender project approval that indicates agency approved. - 12/13/2024 - Recd lender project approval that indicates agency approved. | Funded C A |
| 900001334 | XXXX | 1090995 | 12/11/2024 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | Appraisal prepared for (mortgage company). Transfer letter does not list to whom appraisal was being assigned. | 12/18/2024 | Low LTV/CLTV/HCLTV - 2 months PITI reserves required. 15.6 months PITI reserves confirmed from loan proceeds. ; Verified credit history - 773 qualifying credit scores, minimum required of 700. No derogatory credit. ; | 12/13/2024 - Transfer letter is addressed to lender. | 12/13/2024 - Transfer letter is addressed to lender. - 12/13/2024 - Transfer letter is addressed to lender. | Funded C A |
| 900001334 | XXXX | 1091041 | 12/11/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing final lender approval with approval date. | 12/18/2024 | Low LTV/CLTV/HCLTV - 2 months PITI reserves required. 15.6 months PITI reserves confirmed from loan proceeds. ; Verified credit history - 773 qualifying credit scores, minimum required of 700. No derogatory credit. ; | 12/13/2024 - Recd underwriting decision. | 12/13/2024 - Recd underwriting decision. - 12/13/2024 - Recd underwriting decision. | Funded C A |
| 900001334 | XXXX | 1091881 | 12/18/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Review DTI 22.75% / Approved DTI 26.63, variance > 3%. |  | Low LTV/CLTV/HCLTV - 2 months PITI reserves required. 15.6 months PITI reserves confirmed from loan proceeds. ; Verified credit history - 773 qualifying credit scores, minimum required of 700. No derogatory credit. ; |  | Client: EV2/B Non-material, DTI < Max 45%. | Funded C B |
| 900001336 | XXXX | 1091084 | 12/12/2024 | Property | Appraisal Discrepancy | APPR 0076 | 2 | Acknowledged | AVM is missing information as to bedroom/bathroom count, size of lot and square footage of home. |  | Verified credit history - 763 Credit score exceeds minimum 700 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; |  | Client: EV2/B - Recd post-consummation dated drive by BPO with missing data. | Funded C B |
| 900001337 | XXXX | 1091027 | 12/11/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Escrow account section on final CD dated xx/xx/xx does not disclose if the lender did not offer an escrow account or if the borrower declined it. |  | Verified employment history - Borrower has been on current job xxx years.; Verified housing payment history - Borrower has verified housing history of 0x30 for 44 months which exceeds minimum 24 months.; |  | Client: EV2 / B Non-Material | Funded C B |
| 900001384 | XXXX | 1091031 | 12/11/2024 | Compliance | Missing Second Home Rider | DEED 0013 | 1 | Closed | Second home rider not in file. | 12/19/2024 | Disposable Income - Borrower has $xxx in disposable income.; Verified credit history - 729 Credit score exceeds minimum required 700 per guidelines.; | 12/17/2024 - Recd executed copy of the second home rider. | 12/17/2024 - Recd executed copy of the second home rider. - 12/17/2024 - Recd executed copy of the second home rider. | Funded C A |
| 900001384 | XXXX | 1091042 | 12/11/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>|  | Disposable Income - Borrower has $xxx in disposable income.; Verified credit history - 729 Credit score exceeds minimum required 700 per guidelines.; |  | Client: EV2 / B Non-Material | Funded C B |
| 900001384 | XXXX | 1091044 | 12/11/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing the disclosure tracking to verify date of receipt of final LE. E signage at top of the page is obscured by Lender's Logo. | 12/19/2024 | Disposable Income - Borrower has $xxx in disposable income.; Verified credit history - 729 Credit score exceeds minimum required 700 per guidelines.; | 12/17/2024 - Recd disclosure tracking, timing requirements met. | 12/17/2024 - Recd disclosure tracking, timing requirements met. - 12/17/2024 - Recd disclosure tracking, timing requirements met. | Funded C A |
| 900001384 | XXXX | 1091370 | 12/13/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. Only the 1008 was in file. | 12/19/2024 | Disposable Income - Borrower has $xxx in disposable income.; Verified credit history - 729 Credit score exceeds minimum required 700 per guidelines.; | 12/17/24 - Recd conditional approval. | 12/17/24 - Recd conditional approval. - 12/17/24 - Recd conditional approval. | Funded C A |
| 900001324 | XXXX | 1091093 | 12/12/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Low DTI - 28.22% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001360 | XXXX | 1091159 | 12/12/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. Used 1008 for ratios. | 12/19/2024 | Verified employment history - Borrower has been on current job xxx years.; Low LTV/CLTV/HCLTV - 66.87% CLTV is below 80% maximum per guidelines.; | 12/17/2024 - Recd conditional approval. | 12/17/2024 - Recd conditional approval. - 12/17/2024 - Recd conditional approval. | Funded D A |
| 900001380 | XXXX | 1091488 | 12/16/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing Loan Approval, only the unsigned 1008 is in the file | 12/19/2024 | Verified housing payment history - 24 months satisfactory housing payment history required, borrowers have 227 reporting in their credit history; Verified credit history - FICO 756, minimum required 680; | 12/18/2024 - Recd conditional approval. | 12/18/2024 - Recd conditional approval. - 12/18/2024 - Recd conditional approval. | Funded C A |
| 900001332 | XXXX | 1091287 | 12/13/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval/underwriting decision. Only 1008 provided. | 12/20/2024 | Low LTV/CLTV/HCLTV - 66.12% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 12/19/2024 - Recd conditional approval. | 12/19/2024 - Recd conditional approval. - 12/19/2024 - Recd conditional approval. | Funded D A |
| 900001332 | XXXX | 1091689 | 12/17/2024 | Credit | Unacceptable transaction type | CRED 0044 | 2 | Acknowledged | Guidelines require the borrowers on the senior lien match the borrowers on the second lien. Borrower spouse is on the senior lien but did not sign on this transaction. |  | Low LTV/CLTV/HCLTV - 66.12% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 12/27/2024 - EV2/B - Investor Acknowledged Exception<br>12/20/2024 - Recd DOT.<br>--Finding remains. Per guidelines, Borrower(s) on the first mortgage note must be the same as the borrower(s) on the second<br>mortgage note (exceptions considered on a case-by case basis). Spouse is not on the Note. Missing investor approval for the exception to guidelines. | Client: EV2/B - Investor Acknowledged Exception | Funded C B |
| 900001368 | XXXX | 1091311 | 12/13/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified credit history - 768 Credit score exceeds minimum 700 required per guidelines.; Verified housing payment history - Borrowers have 48 months verified mortgage history of 0x30 which exceeds minimum required 24 months.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001368 | XXXX | 1091326 | 12/13/2024 | Compliance | Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 | TRID 0089 | 1 | Closed | Lender did not include the Rent Schedule Fee in the Finance Charge Total. -- The disclosed finance charge ($xxx) is ($xxx) below the actual finance charge ($xxx). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $xxxbelow the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) | 01/03/2025 | Verified credit history - 768 Credit score exceeds minimum 700 required per guidelines.; Verified housing payment history - Borrowers have 48 months verified mortgage history of 0x30 which exceeds minimum required 24 months.; | 01/03/2024 - Initial compliance submission run with the incorrect fee naming, Rent Schedule Fee. Actual fee, Appraisal Fee for non-subject REO qualifying with rental income.<br>12/20/2024 - Recd partial finance charge list with Appraisal Fee highlighted as to not be included.<br>--Finding remains. The fee of $xxx is indicated to be a Rent Schedule Fee, which is to be included in the finance charge. | 01/03/2024 - Initial compliance submission run with the incorrect fee naming, Rent Schedule Fee. Actual fee, Appraisal Fee for non-subject REO qualifying with rental income.<br>- 01/03/2024 - Initial compliance submission run with the incorrect fee naming, Rent Schedule Fee. Actual fee, Appraisal Fee for non-subject REO qualifying with rental income. | Funded C A |
| 900001368 | XXXX | 1091761 | 12/17/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | 48.28% DTI exceeds maximum 45% per guidelines. For borrower 2, lender used year to date income; however borrower works varied hours and the year to date is higher than the last 2 years. OT and bonus income is declining as well. Review used year to date and prior year to be more reflective of borrowers true income.<br>Provide sufficient documentation to support rental income. Lease in file (non-subject REO), is for borrower's son who was was claimed as a dependent in (previous year). The 1007 in the file does not indicate the the property is currently rented. No documentation of receipt of rent is provided in the file. DTI increases to 78.79% with rental income excluded. | 12/20/2024 | Verified credit history - 768 Credit score exceeds minimum 700 required per guidelines.; Verified housing payment history - Borrowers have 48 months verified mortgage history of 0x30 which exceeds minimum required 24 months.; | 12/19/2024 - TPR set in error, installment liability paid at closing was to be excluded. Refer to CRED 0082, DTI increases to 73.56% with rental income excluded. | 12/19/2024 - TPR set in error, installment liability paid at closing was to be excluded. Refer to CRED 0082, DTI increases to 73.56% with rental income excluded. - 12/19/2024 - TPR set in error, installment liability paid at closing was to be excluded. Refer to CRED 0082, DTI increases to 73.56% with rental income excluded. | Funded C A |
| 900001368 | XXXX | 1091763 | 12/17/2024 | Credit | Fraud Alert on Credit Report not addressed | CR 0004 | 1 | Closed | 1. xxx<br>2.(Escrow company) potentially on watch list.<br>| 12/20/2024 | Verified credit history - 768 Credit score exceeds minimum 700 required per guidelines.; Verified housing payment history - Borrowers have 48 months verified mortgage history of 0x30 which exceeds minimum required 24 months.; | 12/19/2024 - Recd updated fraud report, Part 1 of the exception no longer identified as a fraud finding and cleared comments captured for watch list match. | 12/19/2024 - Recd updated fraud report, Part 1 of the exception no longer identified as a fraud finding and cleared comments captured for watch list match. - 12/19/2024 - Recd updated fraud report, Part 1 of the exception no longer identified as a fraud finding and cleared comments captured for watch list match. | Funded C A |
| 900001368 | XXXX | 1091768 | 12/17/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Lease in file (non-subject reo), is for borrower's son who was was claimed as a dependent in (prior year). The 1007 in the file does not indicate the the property is currently rented. No documentation of receipt of rent is provided in the file. DTI increases to 73.56% with rental income excluded. | 12/31/2024 | Verified credit history - 768 Credit score exceeds minimum 700 required per guidelines.; Verified housing payment history - Borrowers have 48 months verified mortgage history of 0x30 which exceeds minimum required 24 months.; |  | 12/31/2024 - Recd revised 1007 documenting rental income as listed on lease agreement in file. - 12/31/2024 - Recd revised 1007 documenting rental income as listed on lease agreement in file. | Funded C A |
| 900001385 | XXXX | 1091600 | 12/16/2024 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing the disclosure tracking for the latest issued LE. Document tracking is obscured. Unable to determine receipt to borrower. | 01/06/2025 | Verified reserves - No reserves required, borrower is receiving $xxx or 5.65 months PITIA reserves in cash out proceeds.; Verified credit history - FICO 776, minimum required 680.; | 01/03/2025 - Recd disclosure tracking for latest issued LE. | 01/03/2025 - Recd disclosure tracking for latest issued LE. - 01/03/2025 - Recd disclosure tracking for latest issued LE. | Funded C A |
| 900001385 | XXXX | 1091734 | 12/17/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval, only the unsigned 1008 is in the file. | 01/06/2025 | Verified reserves - No reserves required, borrower is receiving $xxx or 5.65 months PITIA reserves in cash out proceeds.; Verified credit history - FICO 776, minimum required 680.; | 01/03/2025 - Recd conditional approval. | 01/03/2025 - Recd conditional approval. - 01/03/2025 - Recd conditional approval. | Funded C A |
| 900001319 | XXXX | 1091611 | 12/16/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. 1008 used for ratios. | 12/23/2024 | Verified housing payment history - Borrower has 36 months of 0x30 mortgage history which exceeds minimum 24 months required.; Verified employment history - Borrower has been on current job xxx years.; |  | 12/23/2024 - Recd UW Approval - 12/23/2024 - Recd UW Approval | Funded D A |
| 900001319 | XXXX | 1091619 | 12/16/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified housing payment history - Borrower has 36 months of 0x30 mortgage history which exceeds minimum 24 months required.; Verified employment history - Borrower has been on current job xxx years.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001351 | XXXX | 1091801 | 12/18/2024 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD xx/xx/xx 10.923%<br>CD xx/xx/xx 10.675%.<br>Reduction 0.248%. |  | Verified employment history - Borrower has been on current job for xxx years.; Verified occupancy in subject property - Borrower has owned subject property xxx years.; |  | Client: EV2 / B Non-Material as the APR decreased which is a benefit to the borrower. | Approved C B |
| 900001351 | XXXX | 1091805 | 12/18/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>|  | Verified employment history - Borrower has been on current job for xxx years.; Verified occupancy in subject property - Borrower has owned subject property xxx years.; |  | Client: EV2 / B Non-Material | Approved C B |
| 900001351 | XXXX | 1091985 | 12/19/2024 | Credit | Payoff/Demand Statement has a discrepancy in the data | DMND 0002 | 1 | Closed | Authorization to close HELOC (creditor) was not executed by borrower. | 01/08/2025 | Verified employment history - Borrower has been on current job for xxx years.; Verified occupancy in subject property - Borrower has owned subject property xxx years.; | 01/06/2025 - Recd borrower executed authorization to close the HELOC. | 01/06/2025 - Recd borrower executed authorization to close the HELOC. - 01/06/2025 - Recd borrower executed authorization to close the HELOC. | Approved C |
| 900001351 | XXXX | 1092019 | 12/19/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. Unable to verify approval dates or Correspondent Channel (Delegated or Non-Delegated) | 01/06/2025 | Verified employment history - Borrower has been on current job for xxx years.; Verified occupancy in subject property - Borrower has owned subject property xxx years.; | 12/26/2024 - Recd underwriting decision. | 12/26/2024 - Recd underwriting decision. - 12/26/2024 - Recd underwriting decision. | Approved C |
| 900001420 | XXXX | 1092038 | 12/19/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. | 01/17/2025 | Low DTI - 34.17% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; | 01/06/2025 - Recd updated underwriting conditional approval.<br>12/26/2024 - Recd underwriting conditional approval.<br>--Finding remains. Missing final loan approval. Attached underwriting decision does not reflect the correct appraisal value or loan amount. | 01/06/2025 - Recd updated underwriting conditional approval. - 01/06/2025 - Recd updated underwriting conditional approval. | Funded C A |
| 900001420 | XXXX | 1092039 | 12/19/2024 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Provide documentation of Solar expense as they are not disclosed on the 1003 or credit report. | 01/17/2025 | Low DTI - 34.17% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; | 01/15/2025 - Recd solar power service agreement, 1008, and updated 1003. Change to the 1003 is not deemed material, thus no borrower signature required. Fixed solar payment includes guaranteed kWh output.<br>| 01/15/2025 - Recd solar power service agreement, 1008, and updated 1003. Change to the 1003 is not deemed material, thus no borrower signature required. Fixed solar payment includes guaranteed kWh output. - 01/15/2025 - Recd solar power service agreement, 1008, and updated 1003. Change to the 1003 is not deemed material, thus no borrower signature required. Fixed solar payment includes guaranteed kWh output. | Funded C A |
| 900001349 | XXXX | 1092154 | 12/20/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Subject property is rural property which requires approval prior to closing. Approved exception on page xxx. |  | Verified credit history - 784 Credit score exceeds minimum 680 per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; |  | Client: Investor Acknowledged Exception | Funded C B |
| 900001349 | XXXX | 1092216 | 12/20/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing (most recent two years) Wage and Income transcripts for B1/B2. | 01/06/2025 | Verified credit history - 784 Credit score exceeds minimum 680 per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; | 12/27/2024 - Recd B2 wage / 1099 transcripts for most recent two years. 1099 income is non-taxable, thus not reporting.<br>12/23/2024 - Recd W2 transcripts for borrower 2, as well as W2 transcripts for borrower 1 reflecting no record (it appears only W2 transcripts requested, not W2/1099). Exception remains pending 1099 transcripts for borrower 1 to verify 1099s in the file. | 12/27/2024 - Recd B2 wage / 1099 transcripts for most recent two years. 1099 income is non-taxable, thus not reporting. - 12/27/2024 - Recd B2 wage / 1099 transcripts for most recent two years. 1099 income is non-taxable, thus not reporting. | Funded C A |
| 900001424 | XXXX | 1094557 | 01/14/2025 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | NEW 1/14/2025 - Subject is located in a (government agency) declared disaster area. Missing Post disaster property inspection to confirm subject was not impacted. | 02/04/2025 | Verified reserves - File contains proof of 36 months of verified reserves when guidelines require 2 months.; Verified housing payment history - 99+ months of mortgage history paid 0x30 verified on credit report for past 12 years.; | 02/03/2025 - Recd PDI confirming no damage. | 02/03/2025 - Recd PDI confirming no damage. - 02/03/2025 - Recd PDI confirming no damage. | Funded C A |
| 900001350 | XXXX | 1092072 | 12/19/2024 | Compliance | Affiliated Business Disclosure Not Provided Within 3 Business Days of Application | COMP 0035 | 1 | Closed | Missing copy of initial ABD issued w/in 3 business days of the initial app date. Initial ABD in file is dated (date). | 01/07/2025 | Low LTV/CLTV/HCLTV - 51.709% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrowers have verified mortgage history of 0x30 for 42 months which exceeds minimum 24 months per guidelines.; | 01/07/2025 - Recd disclosure tracking evidencing that the ABD was sent to borrower in the initial disclosure package. <br>12/26/2024 - Recd unexecuted ABD initial ABD.<br>--Finding remains. Missing disclosure tracking to evidence delivery to borrower was completed within 3 business days of application. | Recd disclosure tracking evidencing that the ABD was sent to borrower in the initial disclosure package. - Recd disclosure tracking evidencing that the ABD was sent to borrower in the initial disclosure package. | Approved B |
| 900001350 | XXXX | 1092073 | 12/19/2024 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Missing Homeownership Counseling Disclosure issued w/in 3 business days of the initial app date. | 01/06/2025 | Low LTV/CLTV/HCLTV - 51.709% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrowers have verified mortgage history of 0x30 for 42 months which exceeds minimum 24 months per guidelines.; | 12/26/2024 - Recd homeownership counseling organization list issued within 3 business days of the application date. | 12/26/2024 - Recd homeownership counseling organization list issued within 3 business days of the application date. - 12/26/2024 - Recd homeownership counseling organization list issued within 3 business days of the application date. | Approved C |
| 900001364 | XXXX | 1092170 | 12/20/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | PC CD (date) disclosed Estimated Property Costs over Year 1 of $xxx. Review calculated $xxx (HOI $xxx/ Taxes $xxx). | 01/08/2025 | Verified housing payment history - 86 months of mortgage history paid 0x30 on credit report since 05/2013.; Verified employment history - Borrower has been employed with (employer) for xxx years as verified via The Work Number. ; | 01/07/2025 - Exception is cleared with the attached posted response and copies of both insurance policies for subject property. Property costs match with both insurance policy premiums considered. | 01/07/2025 - Exception is cleared with the attached posted response and copies of both insurance policies for subject property. Property costs match with both insurance policy premiums considered. - 01/07/2025 - Exception is cleared with the attached posted response and copies of both insurance policies for subject property. Property costs match with both insurance policy premiums considered. | Approved C |
| 900001364 | XXXX | 1092178 | 12/20/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | File contains copies of the following for tolerance cure for fees over the legal limit: PCCD (date), LOE to borrower, refund check in the amount of $xxx, Stamped envelope addressed to borrower. Since the refund was not sent via trackable delivery, lender to provide copy of cancelled check to verify borrower receipt OR a new refund will have to be issued and sent via trackable delivery. | 01/08/2025 | Verified housing payment history - 86 months of mortgage history paid 0x30 on credit report since 05/2013.; Verified employment history - Borrower has been employed with (employer) for xxx years as verified via The Work Number. ; | 01/07/2025 - Per TRID Grid 4.0, Other than cures for material disclosure exceptions on loans subject to rescission which require evidence of consumer receipt, if the remediation was performed post closing and prior to the TPR file review, the TPR would not require proof of delivery of receipt. <br>--Tolerance violation is not considered material requiring rescission period to be reopened, thus evidence of delivery is not required as the cure was performed (date) prior to TPR review (date). | 01/07/2025 - Per TRID Grid 4.0, Other than cures for material disclosure exceptions on loans subject to rescission which require evidence of consumer receipt, if the remediation was performed post closing and prior to the TPR file review, the TPR would not require proof of delivery of receipt. <br>--Tolerance violation is not considered material requiring rescission period to be reopened, thus evidence of delivery is not required as the cure was performed (date) prior to TPR review (date). - 01/07/2025 - Per TRID Grid 4.0, Other than cures for material disclosure exceptions on loans subject to rescission which require evidence of consumer receipt, if the remediation was performed post closing and prior to the TPR file review, the TPR would not require proof of delivery of receipt. <br>--Tolerance violation is not considered material requiring rescission period to be reopened, thus evidence of delivery is not required as the cure was performed (date) prior to TPR review (date). | Approved C |
| 900001364 | XXXX | 1093810 | 01/08/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0123 | 1 | Closed |  | 01/08/2025 | Verified housing payment history - 86 months of mortgage history paid 0x30 on credit report since 05/2013.; Verified employment history - Borrower has been employed with (employer) for xxx years as verified via The Work Number. ; |  |  | Approved C |
| 900001376 | XXXX | 1092121 | 12/20/2024 | Compliance | Missing Second Home Rider | DEED 0013 | 1 | Closed | Second Home Rider is not in file. | 01/03/2025 | Low DTI - 37.46% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 12/26/2024 - Recd 2nd home rider. | 12/26/2024 - Recd 2nd home rider. - 12/26/2024 - Recd 2nd home rider. | Funded C A |
| 900001376 | XXXX | 1092346 | 12/23/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. 1008 only in file pg xxx. | 01/03/2025 | Low DTI - 37.46% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 12/26/2024 - Recd conditional loan approval. | 12/26/2024 - Recd conditional loan approval. - 12/26/2024 - Recd conditional loan approval. | Funded C A |
| 900001376 | XXXX | 1093282 | 01/03/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Approved DTI 34.55% / Review DTI 37.46%, variance > 3% due property costs on primary residence not considered. |  | Low DTI - 37.46% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; |  | Client: EV2/B Non-Material, DTI < 50% Max Allowed. | Funded C B |
| 900001383 | XXXX | 1092134 | 12/20/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | ABD is not in file. FACTs Disclosure is not in file. Providers are national level companies, did not test as affiliates. | 12/30/2024 | Verified employment history - Borrower has been employed with (present employer) for xxx years as verified per WVOE.; None - 45 months of verified mortgage payments on credit report over 3+ years.; | 12/23/2024 - Recd lender attestation confirming missing ABD is due to no affiliated business relationships. | 12/23/2024 - Recd lender attestation confirming missing ABD is due to no affiliated business relationships. - 12/23/2024 - Recd lender attestation confirming missing ABD is due to no affiliated business relationships. | Approved C |
| 900001383 | XXXX | 1092135 | 12/20/2024 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 2 | Acknowledged | E-Sign Disclosure is not in file. |  | Verified employment history - Borrower has been employed with (present employer) for xxx years as verified per WVOE.; None - 45 months of verified mortgage payments on credit report over 3+ years.; |  | Client: EV2/B Non-Material | Approved C B |
| 900001383 | XXXX | 1092149 | 12/20/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | 1) Missing COC for the increase in loan discount from $750 to $1,125 on the initial CD pg 85.<br>2) Missing COC for decrease in loan discount on the CD dated xx/xx/xx to $xxx. (per discount point fee disclosure discount is bona fide)<br>| 12/30/2024 | Verified employment history - Borrower has been employed with (present employer) for xxx years as verified per WVOE.; None - 45 months of verified mortgage payments on credit report over 3+ years.; | 12/23/2024 - Finding cleared with COC for interim CD increasing the loan discount due to DTI > 45%. | 12/23/2024 - Finding cleared with COC for interim CD increasing the loan discount due to DTI > 45%. - 12/23/2024 - Finding cleared with COC for interim CD increasing the loan discount due to DTI > 45%. | Approved C |
| 900001383 | XXXX | 1092151 | 12/20/2024 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing COC for removal of General Lender Credit of $xxx from the LE to the CD. | 01/07/2025 | Verified employment history - Borrower has been employed with (present employer) for xxx years as verified per WVOE.; None - 45 months of verified mortgage payments on credit report over 3+ years.; | 01/06/2025 - Recd COC; value and rate changed, discount fee added and lender credit removed. <br>12/23/2024 - Attached COC does not stated why the lender credit was removed. | 01/06/2025 - Recd COC; value and rate changed, discount fee added and lender credit removed. - 01/06/2025 - Recd COC; value and rate changed, discount fee added and lender credit removed. | Approved C |
| 900001383 | XXXX | 1092277 | 12/22/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified employment history - Borrower has been employed with (present employer) for xxx years as verified per WVOE.; None - 45 months of verified mortgage payments on credit report over 3+ years.; |  | Client: EV2/B Non-Material | Approved C B |
| 900001383 | XXXX | 1092349 | 12/23/2024 | Compliance | Missing Evidence of valid COC for interim disclosed Loan Estimate/Closing Disclosure. | TRID 0161 | 1 | Closed | Missing COC for addition of Loan Discount Fee of $750 on initial CD. | 01/07/2025 | Verified employment history - Borrower has been employed with (present employer) for xxx years as verified per WVOE.; None - 45 months of verified mortgage payments on credit report over 3+ years.; | 01/06/2025 - Recd COC; value and rate changed, discount fee added and lender credit removed. <br>12/23/2024 - COC doesn't need when the DP decreased.<br>--Finding remains. LE disclosed no loan discount fee. Initial CD disclosed $xxx. Missing COC for the addition of the discount fee disclosed xx/xx. | 01/06/2025 - Recd COC; value and rate changed, discount fee added and lender credit removed. - 01/06/2025 - Recd COC; value and rate changed, discount fee added and lender credit removed. | Approved C |
| 900001387 | XXXX | 1092383 | 12/23/2024 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing business narrative, required for bank statement loans. |  | Verified employment history - Borrower has owned business for over xxx years.; Disposable Income - Borrower has $xxx in disposable income.; | 12/24/2024 - A Business narrative is only required when using the fixed expense ratio of 50%. This loan did not use that option but provided a (tax preparer) letter citing a 21% expense ratio which is reflected on the income worksheet also provided. We request that this finding be waived. Thank you.<br>--Finding remains. Per guideline Alt Doc Bank - Statements,<br>General Criteria:<br>Provide a signed written business narrative. Must include:<br>Description of business operation<br>Primary products and or services<br>Who is the customer base<br>Number of full-time employees,<br>Any other information that would help determine eligible deposits | Client: EV2/B Investor Acknowledged Exception | Funded C B |
| 900001355 | XXXX | 1092384 | 12/23/2024 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval, only the unsigned 1008 is in the file. | 12/31/2024 | Verified credit history - 804 Credit score exceeds minimum 700 per guidelines.; Low LTV/CLTV/HCLTV - 58.52% CLTV exceeds maximum 80% per guidelines.; | 12/24/2024 - Recd conditional loan approval. | 12/24/2024 - Recd conditional loan approval. - 12/24/2024 - Recd conditional loan approval. | Funded C A |
| 900001393 | XXXX | 1092243 | 12/20/2024 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | CD did not include the hazard insurance payment in the estimated property costs over year 1. <br>Property Costs:<br>$xxx Tax<br>$xxx Insurance<br>Total $xxx x 12 = $xxx Property Costs Over Year 1 |  | Established credit history - 774 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 01/08/2025 - Finding downgraded to EV2/B with attached cover letter addressed to borrower for PCCD presented xx/xx. US Mailbox Rule to be applied, no restitution required.<br>01/08/2025 - Recd cover letter addressed to borrower for PCCD. US Mailbox Rule to be applied, no restitution required.<br>01/07/2025 - Recd PCCD. Missing cover letter addressed to borrower explaining the reason for re-disclosure. | Client: 01/08/2025 - Finding downgraded to EV2/B with attached cover letter addressed to borrower for PCCD presented xx/xx. US Mailbox Rule to be applied, no restitution required. | Funded C B |
| 900001393 | XXXX | 1092248 | 12/20/2024 | Compliance | Missing TX Home Equity Acknowledgment Regarding Voluntary Repayment of Existing Debt | TXEQ 0020 | 1 | Closed | TX Home Equity Acknowledgment Regarding Voluntary Repayment of Existing Debt not in file. | 01/07/2025 | Established credit history - 774 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 01/03/2025 - Recd TX EQ Affidavit and Agreement, Section D. | 01/03/2025 - Recd TX EQ Affidavit and Agreement, Section D. - 01/03/2025 - Recd TX EQ Affidavit and Agreement, Section D. | Funded C A |
| 900001393 | XXXX | 1092249 | 12/20/2024 | Compliance | Missing Designation of Homestead | TXEQ 0021 | 1 | Closed | Missing Designation of Homestead. | 01/09/2025 | Established credit history - 774 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 01/03/2025 - Designation of homestead is incorporated in the TX Home Equity Affidavit and Agreement.<br>01/03/2025 - Designation of homestead is Urban. <br>--Finding remains. Missing borrower designation of homestead. | 01/03/2025 - Designation of homestead is incorporated in the TX Home Equity Affidavit and Agreement.<br>- 01/03/2025 - Designation of homestead is incorporated in the TX Home Equity Affidavit and Agreement. | Funded C A |
| 900001393 | XXXX | 1092250 | 12/20/2024 | Compliance | Texas 50(a)(6) Loan Fees Exceed the Permissible Fee Limitation. | TXEQ 0023 | 1 | Closed | Fees exceed tolerance by $xxx. | 01/22/2025 | Established credit history - 774 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 01/08/2025 - Recd lender TX EQ Fees used for compliance testing.<br>--Finding remains. Lender excluded discount of $xxx as being a bonafide discount. Missing rate sheet to verify par rate to support the exclusion.<br>01/03/2025 - Uploaded mavent report via trailing docs for lender review. | 01/22/25 Discount verified as Bona Fide. System cleared upon resubmission excluding the bona fide discount of $xxx - 01/22/25 Discount verified as Bona Fide. System cleared upon resubmission excluding the bona fide discount of $xxx | Funded C A |
| 900001393 | XXXX | 1092251 | 12/20/2024 | Compliance | Document Intent to Proceed with the Transaction | TRID 0047 | 1 | Closed | Missing Intent to Proceed | 01/10/2025 | Established credit history - 774 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; |  | 01/10/25 ITP received. - 01/10/25 ITP received. | Funded C A |
| 900001393 | XXXX | 1092433 | 12/26/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 2 | Acknowledged | Missing tax transcripts for (most recent two years). |  | Established credit history - 774 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 01/03/2025 - I just want to confirm that the signed (most recent two years) returns found in the delivery package cannot be accepted in lieu of transcripts. Thank you!<br>--Finding remains. Per guidelines, Tax Transcripts:<br>Income Source - Transcript Requirement<br>Self-Employed - Tax Return Transcripts (1040)<br>Wage Earner & 1099 - Wage & Income Transcripts for the year(s) of qualifying income. | Client: 01/23/2025 - Investor Acknowledged Exception | Funded C B |
| 900001393 | XXXX | 1092434 | 12/26/2024 | Property | Lender Review Variance is not within tolerance. | APPR 0030 | 2 | Acknowledged | 1) AVM has a FSD core of .20 which exceeds the maximum allowed .10 per guidelines. Additional valuation supporting value is required.<br>2) Missing PCI indicating average condition or better. |  | Established credit history - 774 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | 01/23/2025 - Investor Acknowledged Exception<br>01/03/2025 - Escalated to (investor) for AVM confidence scores. PCI is still required. | Client: 01/23/2025 - Investor Acknowledged Exception | Funded C B |
| 900001393 | XXXX | 1092553 | 12/27/2024 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Review DTI 43.31% / Approved DTI 39.64%, variance > 3% due to insurance payment not considered in qualifying. |  | Established credit history - 774 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; |  | Client: EV2/B Non-Material, Max Allowed 45%. | Funded C B |
| 900001436 | XXXX | 1092331 | 12/23/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing affiliated business disclosure or lender attestation that there are no affiliated business relationships to disclose. | 01/06/2025 | Verified employment history - Borrower has been with current job at (employer) for xxx years.; Minimal outstanding debt - Borrower only has $xx in consumer debt after closing.; | 12/30/2024 - Recd ABD. | 12/30/2024 - Recd ABD. - 12/30/2024 - Recd ABD. | Funded C A |
| 900001436 | XXXX | 1092343 | 12/23/2024 | Compliance | Loan disbursed prior to loan transaction date. | CRED 0121 | 2 | Acknowledged | Final CD disbursement is listed as (date) and Interest From is listed as (date). Missing dry funding CD. |  | Verified employment history - Borrower has been with current job at (employer) for xxx years.; Minimal outstanding debt - Borrower only has $xx in consumer debt after closing.; | 01/13/2025 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, refund check $xxx, with courier tracking receipt to evidence cure package is in transit within 60 days from discovery. <br>01/07/2025 - Recd final settlement statement, pre diem interest was collected > 1 day prior to disbursement. <br>--Finding remains. It is noted that the Per Diem Interest Disclosure selection was not allowed, disbursement date of (date) is not a Monday or a day immediately following a bank holiday. Additional prepaid interest must be refunded to borrower.<br>12/30/2024 - Recd the same PCCD provided in file.<br>--Finding remains. Security instrument was executed (date), but the disbursement date is indicated to be (date). Further, Disbursement date of (date) is more than one day from the prepaid interest paid from date of(date). Missing final settlement statement to confirm the disbursement date and interest paid from date. | Client: 01/13/2025 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, refund check $xxx, with courier tracking receipt to evidence cure package is in transit within 60 days from discovery. | Funded C B |
| 900001436 | XXXX | 1092344 | 12/23/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated (date) does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified employment history - Borrower has been with current job at (employer) for xxx years.; Minimal outstanding debt - Borrower only has $xx in consumer debt after closing.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001436 | XXXX | 1092461 | 12/26/2024 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing wage transcripts for (employer) for (most recent two years). | 01/06/2025 | Verified employment history - Borrower has been with current job at (employer) for xxx years.; Minimal outstanding debt - Borrower only has $xx in consumer debt after closing.; | 12/30/2024 - Recd two years wage transcripts. | 12/30/2024 - Recd two years wage transcripts. - 12/30/2024 - Recd two years wage transcripts. | Funded C A |
| 900001436 | XXXX | 1092464 | 12/26/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Title XI compliance statement not included in the appraisal. |  | Verified employment history - Borrower has been with current job at (employer) for xxx years.; Minimal outstanding debt - Borrower only has $xx in consumer debt after closing.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001436 | XXXX | 1092466 | 12/26/2024 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Borrower has a 716 credit score which does not meet the minimum 720 required for 50% DTI. 49.30% DTI exceeds maximum 45% per guidelines.<br>In addition the $xxx disposable income does not meet the minimum $xxx required for 50% DTI. |  | Verified employment history - Borrower has been with current job at (employer) for xxx years.; Minimal outstanding debt - Borrower only has $xx in consumer debt after closing.; |  | Client: EV2/B Investor Acknowledged Exception | Funded C B |
| 900001436 | XXXX | 1094547 | 01/14/2025 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | NEW 1/14/2025 - Subject is located in a FEMA declared disaster area. Missing Post disaster property inspection to confirm subject was not impacted. | 02/03/2025 | Verified employment history - Borrower has been with current job at (employer) for xxx years.; Minimal outstanding debt - Borrower only has $xx in consumer debt after closing.; | 01/31/2025 - Recd PDI confirming, "Property is in good condition. Free & clear of disaster related damage. Neighborhood is Free & Clear of disaster related damage. Subject's value and marketability are not affected by disaster."<br>| 01/31/2025 - Recd PDI confirming, "Property is in good condition. Free & clear of disaster related damage. Neighborhood is Free & Clear of disaster related damage. Subject's value and marketability are not affected by disaster." - 01/31/2025 - Recd PDI confirming, "Property is in good condition. Free & clear of disaster related damage. Neighborhood is Free & Clear of disaster related damage. Subject's value and marketability are not affected by disaster." | Funded C A |
| 900001392 | XXXX | 1092348 | 12/23/2024 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing loan approval/underwriting decision. Only 1008 provided in file. | 01/06/2025 | Verified employment history - Borrower 1 has been on current job xxx years.; Low DTI - 28.45% DTI is below 50% maximum per guidelines.; | 12/30/2024 - Recd underwriting conditional approval. | 12/30/2024 - Recd underwriting conditional approval. - 12/30/2024 - Recd underwriting conditional approval. | Funded D A |
| 900001392 | XXXX | 1092351 | 12/23/2024 | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 1 | Closed | Missing eConsent. | 01/15/2025 | Verified employment history - Borrower 1 has been on current job xxx years.; Low DTI - 28.45% DTI is below 50% maximum per guidelines.; | 12/27/2024 - Recd technology consent. | 12/27/2024 - Recd technology consent. - 12/27/2024 - Recd technology consent. | Funded C A |
| 900001392 | XXXX | 1092563 | 12/27/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Rural property requires prior approval before closing. File is missing evidence property was approved. |  | Verified employment history - Borrower 1 has been on current job xxx years.; Low DTI - 28.45% DTI is below 50% maximum per guidelines.; |  | Client: Investor Acknowledged Exception | Funded C B |
| 900001392 | XXXX | 1092564 | 12/27/2024 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Missing investor acknowledgement for rural condominium. |  | Verified employment history - Borrower 1 has been on current job xxx years.; Low DTI - 28.45% DTI is below 50% maximum per guidelines.; |  | Client: Investor Acknowledged Exception | Funded C B |
| 900001363 | XXXX | 1092486 | 12/26/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Title to confirm Schedule B title exception #11 does not impact 2nd lien position. | 01/09/2025 | Verified reserves - 8 months of verified reserves when guidelines required 2 months.; None - 99+ months of verified mortgage history paid 0x30 reported over xxx years.; | 01/08/2025 - Recd confirmation from title that Schedule B title exception #11 does not impact 2nd lien position. | 01/08/2025 - Recd confirmation from title that Schedule B title exception #11 does not impact 2nd lien position. - 01/08/2025 - Recd confirmation from title that Schedule B title exception #11 does not impact 2nd lien position. | Approved C |
| 900001422 | XXXX | 1092519 | 12/26/2024 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 2 | Acknowledged | Missing COC for LE (date). Loan amount increased, rate locked, appraisal fee added. |  | Verified reserves - File contains proof of 17 months of reserves when guidelines required two months.; Verified employment history - Borrower has been employed for xxx years with (employer) per written VOE.; | 01/23/2025 - EV2/B Recd PCCD, cover letter, refund check $xxx, and courier tracking receipt to evidence cure package is in transit to borrower within 60 days of consummation.<br>01/10/2025 - Lender is requesting cost to cure.<br>--Cost to cure would be $xxx for the addition of the Appraisal Fee. | Client: 01/23/2025 - EV2/B Recd PCCD, cover letter, refund check $xxx, and courier tracking receipt to evidence cure package is in transit to borrower within 60 days of consummation. | Funded C B |
| 900001426 | XXXX | 1092775 | 12/31/2024 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Addendum to title commitment is needed to correct vesting - borrowers spouse, (name) is deceased and needs to be removed from vesting. | 01/09/2025 | Verified reserves - 69 months of verified reserves when guidelines require 2 months.; Verified occupancy in subject property - Per loan file documentation, borrower has lived in the subject property for xxx years.; | 01/03/2025 - Recd confirmation for title agent that final title policy has not yet been issued and that there are requirements in place to remove deceased spouse from vesting. | 01/03/2025 - Recd confirmation for title agent that final title policy has not yet been issued and that there are requirements in place to remove deceased spouse from vesting. - 01/03/2025 - Recd confirmation for title agent that final title policy has not yet been issued and that there are requirements in place to remove deceased spouse from vesting. | Funded C A |
| 900001426 | XXXX | 1092852 | 12/31/2024 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing (most recent year) 1099 transcripts. | 01/29/2025 | Verified reserves - 69 months of verified reserves when guidelines require 2 months.; Verified occupancy in subject property - Per loan file documentation, borrower has lived in the subject property for xxx years.; | 01/27/2025 - Recd most recent year wage/1099 transcript. | 01/27/2025 - Recd most recent year wage/1099 transcript. - 01/27/2025 - Recd most recent year wage/1099 transcript. | Funded C A |
| 900001426 | XXXX | 1092853 | 12/31/2024 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | CD does not indicate whether an escrow account was declined or if lender did not offer one. |  | Verified reserves - 69 months of verified reserves when guidelines require 2 months.; Verified occupancy in subject property - Per loan file documentation, borrower has lived in the subject property for xxx years.; |  | Client: EV2/B Non-Material, 1st lien escrowed. | Funded C B |
| 900001366 | XXXX | 1092790 | 12/31/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified reserves - 29 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with the State of xxx for xxx years per written VOE.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001423 | XXXX | 1092864 | 12/31/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Missing solar lease agreement. Only solar disclosure provided. | 01/28/2025 | Verified reserves - 12 months of verified reserves when lender guidelines required 2 months.; Verified occupancy in subject property - Borrower have lived in subject property for xxx years as verified per 1003 and CBR.; | 01/24/2025 - Recd solar power purchase agreement.<br>NOTE: Roof is only warranted against leaks from the system installation for 10 years by installer. However, roof impacted by the system will be substantially returned to it's original condition upon removal of the system. Agency requirements met.<br>01/16/2025 - Recd the same disclosure previously presented.<br>--Finding remains. Missing power purchase agreement. <br>Per (agency), The lease or power purchase agreement must indicate that any damage that occurs as a result of installation, malfunction, manufacturing defect, or the removal of the solar panels is the responsibility of the owner of the equipment and the owner must be obligated to repair the damage and return the improvements to their original or prior condition (for example, sound and watertight conditions that are architecturally consistent with the home);<br>the owner of the solar panels agrees not to be named loss payee (or named insured) on the property owner's property insurance policy covering the residential structure on which the panels are attached. As an alternative to this requirement, the lender may verify that the owner of the solar panels is not a named loss payee (or named insured) on the property owner's property insurance policy; and<br>in the event of foreclosure, the lender or assignee has the discretion to:<br>terminate the lease/agreement and require the third-party owner to remove the equipment;<br>become, without payment of any transfer or similar fee, the beneficiary of the borrower's lease/agreement with the third party; or<br>enter into a new lease/agreement with the third party, under terms no less favorable than the prior owner.<br>01/13/2025 - Recd patio cover security agreement and improvement contract.<br>--Finding remains. Missing solar lease agreement, Sunrun. | 01/24/2025 - Recd solar power purchase agreement.<br>NOTE: Roof is only warranted against leaks from the system installation for 10 years by installer. However, roof impacted by the system will be substantially returned to it's original condition upon removal of the system. Agency requirements met. - 01/24/2025 - Recd solar power purchase agreement.<br>NOTE: Roof is only warranted against leaks from the system installation for 10 years by installer. However, roof impacted by the system will be substantially returned to it's original condition upon removal of the system. Agency requirements met. | Funded C A |
| 900001423 | XXXX | 1092953 | 01/02/2025 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed | Credit report reflects an existing mortgage/possible second lien originated (date) with (creditor #) in original amount of $xxx/$xxx month. No evidence in file of satisfaction and it is not reflected on preliminary title. | 01/15/2025 | Verified reserves - 12 months of verified reserves when lender guidelines required 2 months.; Verified occupancy in subject property - Borrower have lived in subject property for xxx years as verified per 1003 and CBR.; | 01/14/2025 - Recd billing statement with credit supplement, home improvement patio cover installment liability is not reflected on the title commitment. | 01/14/2025 - Recd billing statement with credit supplement, home improvement patio cover installment liability is not reflected on the title commitment. - 01/14/2025 - Recd billing statement with credit supplement, home improvement patio cover installment liability is not reflected on the title commitment. | Funded C A |
| 900001367 | XXXX | 1092938 | 01/02/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for initial CD for the added discount fee of $xxx and the removal of the lender credit of $xxx. | 01/09/2025 | Verified reserves - 14 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrowers have occupied the subject property for xxx years per 1003.; | 01/06/2025 - Recd COC, appraisal value came in lower than expected. | 01/06/2025 - Recd COC, appraisal value came in lower than expected. - 01/06/2025 - Recd COC, appraisal value came in lower than expected. | Approved C |
| 900001372 | XXXX | 1093167 | 01/03/2025 | Credit | Condo Documentation is Insufficient | COND 0002 | 2 | Acknowledged | Missing required 1076 or condo project questionnaire as required on all attached condos. Only the FNMA PERS approval was provided in file. |  | Verified employment history - Borrower has been on current job xxx years.; Verified housing payment history - Borrower has verified housing payment history of 0x30x58 which exceeds required 0x30x24 per guidelines.; |  | Client: Investor Acknowledged and Accepts PERS approval of Project in lieu of questionnaire. | Approved C B |
| 900001378 | XXXX | 1093157 | 01/03/2025 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 2 | Acknowledged | Missing corrected final 1003 with updates initialed/acknowledged by borrower. Declarations on both 1003s are marked as will not occupy as primary residence. |  | Verified reserves - 6 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 99 months of housing payments paid 0x30 since xx/xxxx per CBR.; |  | Client: EV2/B Non-Material, Affidavit of Occupancy reflects primary which is supported by documentation in file. | Funded C B |
| 900001358 | XXXX | 1093330 | 01/04/2025 | Property | Missing evidence of recorded Private Road Mainenance Agreement | PROP 0013 | 1 | Closed | Appraisal and title reflect the subject to be located on a private road. Appraiser did not address if the road was maintained by the HOA. Missing updated appraisal with comments addressing the road maintenance or a copy of Private Road Maintenance Agreement. | 01/09/2025 | Verified reserves - 11 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self employed and owner (business) as an (job title) for 10 years per (verification of self-employment).; | 01/06/2025 - TPR set in error. Refer to pg xxx, maintained by HOA. | 01/06/2025 - TPR set in error. Refer to pg xxx, maintained by HOA. - 01/06/2025 - TPR set in error. Refer to pg xxx, maintained by HOA. | Approved C |
| 900001427 | XXXX | 1093268 | 01/03/2025 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | The loan fees ($xxx) exceed the (state) High Cost fee limit, which is ($xxx), the difference is ($xxx).<br>--Settlement agent to provide an explanation for what services are included in the funding fee to determine whether it should be included in the state high cost test. | 01/29/2025 | Low LTV/CLTV/HCLTV - 71.37% CLTV is less than the maximum 80% allowed per guidelines.; Verified credit history - 773 Credit score exceeds minimum 700 required per guidelines.; | 01/27/2025 - Recd breakdown of the funding fee: $xxx Notary, $xxx Settlement Services, and $xxx Copy Fee. High cost failure cleared upon compliance resubmission with breakdown applied. | 01/27/2025 - Recd breakdown of the funding fee: $xxx Notary, $xxx Settlement Services, and $xxx Copy Fee. High cost failure cleared upon compliance resubmission with breakdown applied. - 01/27/2025 - Recd breakdown of the funding fee: $xxx Notary, $xxx Settlement Services, and $xxx Copy Fee. High cost failure cleared upon compliance resubmission with breakdown applied. | Funded C A |
| 900001427 | XXXX | 1093513 | 01/06/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 2 | Acknowledged | Missing required wage transcripts for (most recent two years) |  | Low LTV/CLTV/HCLTV - 71.37% CLTV is less than the maximum 80% allowed per guidelines.; Verified credit history - 773 Credit score exceeds minimum 700 required per guidelines.; |  | Client: Investor Acknowledged Exception - Comp Factors:<br>Full doc<br>784 FICO<br>$xxx LA<br>$xxx Value <br>71.45% CLTV<br>40.83% DTI<br>AVM 89% confidence/0.11 FSD<br>Paid as agreed mortgage history reporting on CR since (year) | Funded C B |
| 900001427 | XXXX | 1093514 | 01/06/2025 | Property | Missing Required Property Inspection | PROP 0003 | 2 | Acknowledged | Missing required property inspection to confirm average or better property condition. |  | Low LTV/CLTV/HCLTV - 71.37% CLTV is less than the maximum 80% allowed per guidelines.; Verified credit history - 773 Credit score exceeds minimum 700 required per guidelines.; |  | Client: Investor Acknowledged Exception - Comp Factors:<br>Full doc<br>784 FICO<br>$xxx LA<br>$xxx Value <br>71.45% CLTV<br>40.83% DTI<br>AVM 89% confidence/0.11 FSD<br>Paid as agreed mortgage history reporting on CR since (year) | Funded C B |
| 900001419 | XXXX | 1093451 | 01/06/2025 | Compliance | Missing Intent to Proceed | TRID 0130 | 1 | Closed | Missing Intent to Proceed | 01/17/2025 | Verified credit history - 768 fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 42.83% CLTV w/a max allowed of 85%.; | 01/15/2025 - Recd documented intent to proceed date. | 01/15/2025 - Recd documented intent to proceed date. - 01/15/2025 - Recd documented intent to proceed date. | Funded C A |
| 900001419 | XXXX | 1093472 | 01/06/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | The APR (8.374) disclosed on the final CD (date) is less than the threshold allowed of (.125) disclosed APR (8.557) on the previous CD (date). |  | Verified credit history - 768 fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 42.83% CLTV w/a max allowed of 85%.; |  | Client: EV2/B Non-Material - APR decreased which is a benefit to the borrower. | Funded C B |
| 900001419 | XXXX | 1093690 | 01/07/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing updated fraud report with all alerts sufficiently addressed. High fraud alerts not cleared. | 01/31/2025 | Verified credit history - 768 fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 42.83% CLTV w/a max allowed of 85%.; | 01/29/2025 - Recd documentation to address undisclosed-REO fraud finding. Watchlist alert does not match to the borrower. Secondary valuation obtained. All fraud findings satisfactorily addressed. | 01/29/2025 - Recd documentation to address undisclosed-REO fraud finding. Watchlist alert does not match to the borrower. Secondary valuation obtained. All fraud findings satisfactorily addressed. - 01/29/2025 - Recd documentation to address undisclosed-REO fraud finding. Watchlist alert does not match to the borrower. Secondary valuation obtained. All fraud findings satisfactorily addressed. | Funded C A |
| 900001419 | XXXX | 1093769 | 01/07/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 2 | Acknowledged | Missing Wage & Income transcripts for B1 as required per guidelines. |  | Verified credit history - 768 fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 42.83% CLTV w/a max allowed of 85%.; |  | Client: Investor Acknowledged Exception - Comp Factors:<br>Full doc<br>768/784 FICOs 2 borrowers<br>100K LA<br>$xxx Value <br>52.91% CLTV<br>48.56% DTI<br>Full Appraisal<br>Paid as agreed mortgage history reporting on CR since xxxx | Funded C B |
| 900001395 | XXXX | 1093516 | 01/06/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing Affiliated Business Disclosure for Agave Home Loans. Facts disclosures not located to verify if lender has affiliates.<br>| 01/15/2025 | Low DTI - Low DTI of 29.93%.; Verified employment history - B1 has been employed with MW Component/Ideal Fasteners as Sales Manager for 46 years per written VOE.; | 01/10/2025 - Lender confirms there are no affiliated business relationships to disclose, thus no ABD is required. | 01/10/2025 - Lender confirms there are no affiliated business relationships to disclose, thus no ABD is required. - 01/10/2025 - Lender confirms there are no affiliated business relationships to disclose, thus no ABD is required. | Funded C A |
| 900001395 | XXXX | 1093789 | 01/08/2025 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 2 | Acknowledged | VVOEs are not within 10 days prior to note date. VOEs are dated xx/xx/xx with note date of xx/xx/xx Subsequent VOEs performed 10 days after closing for each on xx/xx/xx. |  | Low DTI - Low DTI of 29.93%.; Verified employment history - B1 has been employed with MW Component/Ideal Fasteners as Sales Manager for 46 years per written VOE.; |  | Client: EV2/B Non-Material Employment was verified prior to closing and post-closing VVOE confirmed borrowers were still employed. | Funded C B |
| 900001389 | XXXX | 1093797 | 01/08/2025 | Credit | Trust Agreement is Incomplete | TRST 0003 | 1 | Closed | REMOVE | 01/10/2025 | Low DTI - 33.33% DTI is below 45% maximum per guidelines.; Verified credit history - 773 Credit score exceeds minimum 700 required per guidelines.; |  | 01/10/25 Trust Certification received (CA). - 01/10/25 Trust Certification received (CA). | Approved C |
| 900001361 | XXXX | 1093781 | 01/07/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | Initial CD is incomplete. Missing page xxx of xxx. | 01/09/2025 | Verified reserves - 47 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with (present employer) for xxx years as (job title) per (voe).; | 01/08/2025 - Recd complete copy of the initial CD. | 01/08/2025 - Recd complete copy of the initial CD. - 01/08/2025 - Recd complete copy of the initial CD. | Approved C |
| 900001404 | XXXX | 1094011 | 01/09/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. | 01/15/2025 | Verified housing payment history - Borrower has 0x30x42 verified mortgage history which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 31.83% DTI is below 45% maximum per guidelines.; | 01/14/2025 - Recd underwriting conditional approval. | 01/14/2025 - Recd underwriting conditional approval. - 01/14/2025 - Recd underwriting conditional approval. | Funded C A |
| 900001421 | XXXX | 1093845 | 01/08/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing ABD and/or FACTS Disclosure for Broker. If broker has no affiliates an attestation may also be acceptable. (Lender has no affiliates. | 01/17/2025 | Verified housing payment history - Borrower has verified housing payment history of 0x30x72 which exceeds minimum 0x30x24 required.; Low DTI - 35.47% DTI is below 45% maximum per guidelines.; | 01/10/2025 - Recd signed attestation from lender of no affiliates.<br>| 01/10/2025 - Recd signed attestation from lender of no affiliates. - 01/10/2025 - Recd signed attestation from lender of no affiliates. | Funded C A |
| 900001421 | XXXX | 1093849 | 01/08/2025 | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 1 | Closed | Disbursement Date does not match Interest From Date on Final CD. Missing copy of the final settlement statement to confirm the actual disbursement date. | 01/14/2025 | Verified housing payment history - Borrower has verified housing payment history of 0x30x72 which exceeds minimum 0x30x24 required.; Low DTI - 35.47% DTI is below 45% maximum per guidelines.; | 01/10/2025 - Recd final settlement statement, disbursement date matches to the CD. 1 day per diem interest collected prior to disbursement is allowed in CA. | 01/10/2025 - Recd final settlement statement, disbursement date matches to the CD. 1 day per diem interest collected prior to disbursement is allowed in CA. - 01/10/2025 - Recd final settlement statement, disbursement date matches to the CD. 1 day per diem interest collected prior to disbursement is allowed in CA. | Funded C A |
| 900001421 | XXXX | 1094081 | 01/10/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | File is missing required business narrative describing business and customer base. |  | Verified housing payment history - Borrower has verified housing payment history of 0x30x72 which exceeds minimum 0x30x24 required.; Low DTI - 35.47% DTI is below 45% maximum per guidelines.; |  | Client: EV2/B Investor Acknowledged Exception | Funded C B |
| 900001425 | XXXX | 1094063 | 01/10/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing updated 1008. File contains conflicting evidence regarding ownership of (company). CPA letter states B1 owns 100%. 1003 shows each own more than 25% with income distributed 50/50 as does the final 1008. No evidence of ownership for B2 documented in the loan file. Review included all income under B1. | 01/23/2025 | Verified reserves - 49 months of verified reserves when lender guidelines required 2 months.; Low DTI - Low DTI of 11.49%.; | 01/22/2025 - Exception is cleared with the attached underwriting decision.<br>01/13/2025 - Attached underwriting decision reflects the incorrect loan amount. Missing final approval. | 01/22/2025 - Exception is cleared with the attached underwriting decision. - 01/22/2025 - Exception is cleared with the attached underwriting decision. | Funded C A |
| 900001425 | XXXX | 1094554 | 01/14/2025 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | NEW 1/14/2025 - Subject is located in a FEMA declared disaster area. Missing Post disaster property inspection to confirm subject was not impacted. | 02/04/2025 | Verified reserves - 49 months of verified reserves when lender guidelines required 2 months.; Low DTI - Low DTI of 11.49%.; | 02/04/2025 - Investor accepts the PDI presented that confirms no damage to subject or the neighborhood. | 02/04/2025 - Investor accepts the PDI presented that confirms no damage to subject or the neighborhood. - 02/04/2025 - Investor accepts the PDI presented that confirms no damage to subject or the neighborhood. | Funded C A |
| 900001432 | XXXX | 1093928 | 01/09/2025 | Compliance | Zero Tolerance Fee Violation | COMP 0027 | 2 | Acknowledged | Missing valid COC for added Appraisal Fee of $xxx on CD (date). COC (date) does not list any change in circumstance and also does not mention the appraisal fee. No terms were changed and Appraisal was received effective (date). |  | Verified employment history - Borrower has been on current job xxx years.; Low DTI - 27.55% DTI is below 50% maximum per guidelines.; | 01/28/2025 - EV2/B Courier tracking confirms delivery to borrower of the cure package within 60d ays from consummation.<br>01/17/2025 - Recd PCCD, cover letter, refund check $xxx, and courier tracking receipt.<br>--Finding remains. Courier tracking does not reflect cure package as being in transit to borrower. | Client: 01/28/2025 - EV2/B Courier tracking confirms delivery to borrower of the cure package within 60days from consummation. | Funded C B |
| 900001414 | XXXX | 1094112 | 01/10/2025 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Missing initial application signed by B1. | 01/20/2025 | Verified reserves - 18 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 99+ months of verified mortgage history paid 0x30 on CBR.; | 01/15/2025 - Recd B1 executed initial 1003. | 01/15/2025 - Recd B1 executed initial 1003. - 01/15/2025 - Recd B1 executed initial 1003. | Funded C A |
| 900001409 | XXXX | 1094421 | 01/13/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. | 01/17/2025 | Low LTV/CLTV/HCLTV - 52.59% CLTV w/a max allowed of 85%.; Verified credit history - 785 Fico w/a minimum requirement of 680.; | 01/15/2025 - Recd underwriting decision. | 01/15/2025 - Recd underwriting decision. - 01/15/2025 - Recd underwriting decision. | Funded C A |
| 900001435 | XXXX | 1094331 | 01/13/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing acceptable COC for CD (date) reflecting increasing in loan discount of $xxx. COC in file does not state a reason for change. | 01/21/2025 | Verified credit history - 790 fico w/a minimum requirement of 700; Low DTI - 27.48% w/a max allowed of 45%.; | 01/16/2025 - Recd lock confirmation reflecting pricing change for 5 day extension. | 01/16/2025 - Recd lock confirmation reflecting pricing change for 5 day extension. - 01/16/2025 - Recd lock confirmation reflecting pricing change for 5 day extension. | Funded C A |
| 900001435 | XXXX | 1094506 | 01/14/2025 | Credit | Condo Documentation is Insufficient | COND 0002 | 1 | Closed | Missing project questionnaire and all required documentation for (condo project). | 01/21/2025 | Verified credit history - 790 fico w/a minimum requirement of 700; Low DTI - 27.48% w/a max allowed of 45%.; | 01/17/2025 - Recd lender project approval, condo questionnaire, eoi, and rce. | 01/17/2025 - Recd lender project approval, condo questionnaire, eoi, and rce. - 01/17/2025 - Recd lender project approval, condo questionnaire, eoi, and rce. | Funded C A |
| 900001435 | XXXX | 1094517 | 01/14/2025 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Missing master insurance policies for (condo project). | 01/21/2025 | Verified credit history - 790 fico w/a minimum requirement of 700; Low DTI - 27.48% w/a max allowed of 45%.; | 01/17/2025 - Recd condo insurance policies. | 01/17/2025 - Recd condo insurance policies. - 01/17/2025 - Recd condo insurance policies. | Funded C A |
| 900001435 | XXXX | 1094522 | 01/14/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing corrected 1008. Final 1008 reflects DTI of 15.58%. 1008 expenses do not include the expenses for (reo). Review included total payment of $xxx (HOA $xxx/ 1st $xxx/ Proposed 2nd $xxx) Review DTI 27.48%. | 01/20/2025 | Verified credit history - 790 fico w/a minimum requirement of 700; Low DTI - 27.48% w/a max allowed of 45%.; | 01/15/2025 - Recd updated 1008, 27.45% DTI. | 01/15/2025 - Recd updated 1008, 27.45% DTI. - 01/15/2025 - Recd updated 1008, 27.45% DTI. | Funded C A |
| 900001435 | XXXX | 1094525 | 01/14/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing a signed written business narrative which includes the following:<br>1) Description of business operation, <br>2) Primary products and or services<br>3) Who is the customer base <br>3) Number of full-time employees, <br>4) Any other information that would help determine eligible deposits. |  | Verified credit history - 790 fico w/a minimum requirement of 700; Low DTI - 27.48% w/a max allowed of 45%.; | 01/24/2025 - Investor Acknowledged Exception.<br>01/15/2025 - "Our program guidelines only require a business narrative to be obtained when using the Fixed Expense Option of 50%. See attached snippet from our program guidelines. This loan used a (tax preparer) letter stating the expense ratio to use which is also attached. Please clear this finding. Thank you."<br> -- Finding remains. Lender to confirm which guidelines were used for underwriting the loan. <br>Review used (investor) Closed End Second Lien Guidelines_V2.3_Effective 04.08.2024:<br> General Criteria:<br> • Verification the borrower has been self-employed in the same business for the last 2 years<br> and has a minimum of 25% ownership:<br> o Letter from the (tax preparer), tax preparer (PTIN), regulatory agency, or equivalent<br> • Provide a signed written business narrative. Must include:<br> o Description of business operation<br> o Primary products and or services<br> o Who is the customer base<br> o Number of full-time employees,<br> o Any other information that would help determine eligible deposits | Client: 01/24/2025 - Investor Acknowledged Exception. | Funded C B |
| 900001415 | XXXX | 1094404 | 01/13/2025 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 2 | Acknowledged | Missing verification of the existence of the borrower's business within 30 calendar days prior to the note date xx/xx/xx. File includes a CPA letter dated xx/xx/xx and a printout of the borrower's website dated xx/xx/xx, but nothing within 30 days of xx/xx/xx. |  | Verified credit history - 704 fico w/a minimum requirement of 680.; Verified employment history - Per the CPA letter, the borrower's business has been in existence for at least xxx years.; | 01/14/2025 - "SE income is good for 90 days, please clear."<br>--Finding remains. Per guidelines, VOE must be obtained within 30 calendar days prior to the note date for self-employment income. | Client: EV2/B Investor Acknowledged Exception | Funded C B |
| 900001415 | XXXX | 1094412 | 01/13/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing business narrative as required per guidelines. |  | Verified credit history - 704 fico w/a minimum requirement of 680.; Verified employment history - Per the CPA letter, the borrower's business has been in existence for at least xxx years.; | 01/14/2025 - Attached screen print is insufficient to satisfy the finding.<br>--Finding remains. Per guidelines, Provide a signed written business narrative. Must include:<br>o Description of business operation<br>o Primary products and or services<br>o Who is the customer base<br>o Number of full-time employees,<br>o Any other information that would help determine eligible deposits | Client: EV2/B Investor Acknowledged Exception | Funded C B |
| 900001415 | XXXX | 1094415 | 01/13/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Approved DTI 36.25%, Review DTI 42.86%. DTI variance greater than 3% from approved ratio. The reason for the variance is the reviewer using stated income from the initial 1003, which is lower than the calculated income and per guidelines should be used in this scenario. |  | Verified credit history - 704 fico w/a minimum requirement of 680.; Verified employment history - Per the CPA letter, the borrower's business has been in existence for at least xxx years.; |  | Mitigated Risk: EV2/B Review DTI is 42.86% with a max allowed of 45%. | Funded C B |
| 900001447 | XXXX | 1094308 | 01/13/2025 | Compliance | Affiliated Business Disclosure Is Not Executed | COMP 0036 | 1 | Closed | Unable to determine if the borrower/s were provided a copy of the ABD disclosure at application. Privacy disclosure is not in file, thus review is unable to confirm if there are any affiliated business relationships to disclose. | 01/20/2025 | Verified employment history - VOEs confirm xxx + years employment with present employer for B1 and xxx years employment with present employer for B2.; Verified housing payment history - Credit report confirms satisfactory mortgage rating of 32 months on existing 2nd second and 37 months on fist lien.; | 01/15/2025 - "...A review of their website shows that they do not have any affiliated relationships. In addition, at the time that Plaza approves any correspondent to sell us loan. Plaza does a full vetting of each company, including a review of their financials. Based on our vetting done on Mortgage One Solutions, they do not have an affiliated relationship." | 01/15/2025 - "...A review of their website shows that they do not have any affiliated relationships. In addition, at the time that Plaza approves any correspondent to sell us loan. Plaza does a full vetting of each company, including a review of their financials. Based on our vetting done on Mortgage One Solutions, they do not have an affiliated relationship." - 01/15/2025 - "...A review of their website shows that they do not have any affiliated relationships. In addition, at the time that Plaza approves any correspondent to sell us loan. Plaza does a full vetting of each company, including a review of their financials. Based on our vetting done on Mortgage One Solutions, they do not have an affiliated relationship." | Approved B |
| 900001447 | XXXX | 1094531 | 01/14/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Missing LOE credit inquiry completed xx/xx by (company), as per fraud report. Credit report in file is dated xx/xx, but was not completed by (company). | 02/06/2025 | Verified employment history - VOEs confirm xxx + years employment with present employer for B1 and xxx years employment with present employer for B2.; Verified housing payment history - Credit report confirms satisfactory mortgage rating of 32 months on existing 2nd second and 37 months on fist lien.; | 02/05/2025 - Exception is cleared with the attached news release confirming (company) is a subsidiary of (parent company), which is the vendor that pulled the credit report for lender.<br>01/23/2025 - "Credit report pulled through Score Navigator/(company)-It is not the same as (company). Per the internet: (company) is a company that provides services and transactions for the real estate, mortgage, and consumer debt industries. They offer a variety of services, including portfolio management, asset recovery, and customer relationship management".<br>--Finding remains. Missing credit inquiry letter confirming no new debt was obtained. | 02/05/2025 - Exception is cleared with the attached news release confirming (company) is a subsidiary of (parent company), which is the vendor that pulled the credit report for lender. - 02/05/2025 - Exception is cleared with the attached news release confirming (company) is a subsidiary of (parent company), which is the vendor that pulled the credit report for lender. | Approved C |
| 900001447 | XXXX | 1094535 | 01/14/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing tax cert for subject property reflecting annual taxes of $xxx, as disclosed to borrower and considered in qualifying. All documentation in file indicates taxes are paid annually with xxxx due of $xxxx. | 01/20/2025 | Verified employment history - VOEs confirm xxx + years employment with present employer for B1 and xxx years employment with present employer for B2.; Verified housing payment history - Credit report confirms satisfactory mortgage rating of 32 months on existing 2nd second and 37 months on fist lien.; | 01/17/2025 - "Per the county annual taxes are $xxx annually. It appears the underwriter doubled the taxes and used a more conservative approach. Please see the tax bill from the county. Please accept. Thank you."<br>--Lender calculation is more conservative than using the actual documented tax. | 01/17/2025 - "Per the county annual taxes are $xxx annually. It appears the underwriter doubled the taxes and used a more conservative approach. Please see the tax bill from the county. Please accept. Thank you."<br>--Lender calculation is more conservative than using the actual documented tax. - 01/17/2025 - "Per the county annual taxes are $xxx annually. It appears the underwriter doubled the taxes and used a more conservative approach. Please see the tax bill from the county. Please accept. Thank you."<br>--Lender calculation is more conservative than using the actual documented tax. | Approved C |
| 900001447 | XXXX | 1094545 | 01/14/2025 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Missing final title policy confirming:<br>1) UCC financing statement is not on title, as per lender request. No UCC termination in file. UCC in file. Borrower is financing solar equipment, (company). Only installation agreement provided. Missing solar agreement to very terms.<br>2) (company) was released. First lien, (company).<br>| 01/23/2025 | Verified employment history - VOEs confirm xxx + years employment with present employer for B1 and xxx years employment with present employer for B2.; Verified housing payment history - Credit report confirms satisfactory mortgage rating of 32 months on existing 2nd second and 37 months on fist lien.; | 01/22/2025 - Recd final title, no UCC filing reported. Credit report confirms 1st lien was transferred.<br>01/17/2025 - Recd the same documentation provided in file. Review confirmed UCC fixture filing and non-mortgage related debt obtained to finance solar panels. Missing confirmation that UCC is released, as per lender requirement. Part 2 of the exception has not yet been addressed. <br>| 01/22/2025 - Recd final title, no UCC filing reported. Credit report confirms 1st lien was transferred. - 01/22/2025 - Recd final title, no UCC filing reported. Credit report confirms 1st lien was transferred. | Approved C |
| 900001449 | XXXX | 1094380 | 01/13/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD (date) disclosed Estimated Property Costs over Year 1 of $xxx. Review calculated $xxx. (HOI $xxx/ Taxes $xxx) |  | Low LTV/CLTV/HCLTV - 33.11% CLTV w/a max allowed of 85%.; Verified credit history - 702 fico w/a minimum requirement of 680.; Low DTI - 38.13% DTI w/a max allowed of 45%.; | 01/28/2025 - EV2/B Recd cover letter to correspond with PCCD that was previously presented xx/xx.<br>01/24/2025 - Recd PCCD. <br>--Finding remains. Missing cover letter address to borrower explaining the reason for re-disclosure. <br>01/23/2025 - "Monthly ins $xxx + monthly taxes = $xxx. Estimated costs over 1yr would be $xxx x 11mo = $xxx. The 12th month is when the funds are distributed so it's not counted in the estimated costs. See attached."<br>--Agree, except final CD disclosed tax and insurance of $xxx with property costs over year $xxx, not $xxx with property costs over year 1 of $xxx.<br>01/16/2025 - Recd 1008 and PCCD for unrelated file (Ln xxxx).<br>--Finding remains. Final CD (date) disclosed Estimated Property Costs over Year 1 of $xxx. Review calculated $xxx. (HOI $xxx/ Taxes $xxx) | Client: 01/28/2025 - EV2/B Recd cover letter to correspond with PCCD that was previously presented xx/xx. | Approved C B |
| 900001449 | XXXX | 1094683 | 01/15/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing (year) Wage & income transcript. Only the (year) 1099 and transcript was provided. | 01/28/2025 | Low LTV/CLTV/HCLTV - 33.11% CLTV w/a max allowed of 85%.; Verified credit history - 702 fico w/a minimum requirement of 680.; Low DTI - 38.13% DTI w/a max allowed of 45%.; | 01/27/2025 - Recd (year) transcript. | 01/27/2025 - Recd (year) transcript. - 01/27/2025 - Recd (year) transcript. | Approved C |
| 900001429 | XXXX | 1094673 | 01/15/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | COC for CD (date) does not give a reason for an increase in Recording Fees. Lender credits did not increase and were not stated as being for fee tolerance specifically. |  | Verified reserves - 42 months of verifired reserves when guidelines required 2 months.; Low DTI - Low DTI of 28.14%.; Verified employment history - Borrower has been self employed owner of (business) for xxx years as verified per license. ; | 01/27/2025 - EV2/B Recd PCCD, cover letter, refund check $61, and courier receipt to evidence cure package is in transit to borrower within 60 days of consummation.<br>01/17/2025 - Lender is requesting cure amount.<br>Initially Disclosed Recording Fee: $xxx <br>Allowable Charges (Maximum): $xxx<br>Actual Recording Fee $xxx<br>Difference: $xxx | Client: 01/27/2025 - EV2/B Recd PCCD, cover letter, refund check $xxx, and courier receipt to evidence cure package is in transit to borrower within 60 days of consummation. | Funded C B |
| 900001402 | XXXX | 1094729 | 01/16/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal Description is not attached to or contained within mortgage. Legal from Preliminary title page xxx. | 01/20/2025 | Verified employment history - B2 has been employed with present employer for xxx years per WVOE.; Verified housing payment history - 96 months of mortgage history paid 0x30 per CBR.; | 01/17/2025 - Recd copy of the recorded DOT that includes Exhibit A. | 01/17/2025 - Recd copy of the recorded DOT that includes Exhibit A. - 01/17/2025 - Recd copy of the recorded DOT that includes Exhibit A. | Funded C A |
| 900001402 | XXXX | 1094739 | 01/16/2025 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified employment history - B2 has been employed with present employer for xxx years per WVOE.; Verified housing payment history - 96 months of mortgage history paid 0x30 per CBR.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001402 | XXXX | 1094795 | 01/16/2025 | Credit | Credit Score (FICO) exception | CRED 0003 | 2 | Acknowledged | B2 is the primary wage earner and middle credit score of 675 < 680 Min Required for LTV up to 75%. Per guidelines, Primary wage earner representative score is used to qualify. |  | Verified employment history - B2 has been employed with present employer for xxx years per WVOE.; Verified housing payment history - 96 months of mortgage history paid 0x30 per CBR.; | 01/17/2025 - Investor Acknowledged Exception. | Client: Investor Acknowledged Exception. | Funded C B |
| 900001412 | XXXX | 1094797 | 01/16/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI 36.45% / Approved DTI 40.74%, variance > 3%. DTI included first lien mortgage payment on subject property for non-subject REO. |  | Verified reserves - 28 months of verified reserves when guidelines required 2 months.; Verified employment history - B1 has been employed as (title) with (employer) for xxx years per The Work Number.; |  | Client: EV2/B Non-Material (Max DTI 45%) | Funded C B |
| 900001445 | XXXX | 1094950 | 01/21/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | B2 income documentation for present employment (employer) is insufficient. WVOE completed xx/xx/xx reflects borrower to be (title) with start date of xx/xx/xx. WVOE reflects annual salary of $xxx or $xxx month with YTD wages of $xxx. Only one paycheck provided which is dated xx/xx/xx for $xxx. Pay stub reflects no withholdings. File contains Post closing LOE from employer dated xx/xx/xx. No full pay stubs documentation 30 days income obtained prior to closing. It is additionally noted that there were xxx prior jobs but none were as (occupation). No explanation or sufficient documentation as to the transition from (occupation) to (occupation) with no (industry) experience. |  | Verified credit history - 767 Credit score exceeds minimum 680 required per guidelines.; Low DTI - 34.20% DTI is below 45% maximum per guidelines.; | 02/14/25 LOE from borrower explaining career change received with 2 additional pay stubs date ending xx/xx/xx and xx/xx/xx. Per pay stubs borrower is earning a base salary of $xxx per yr/ $xxx per mth which was supported by the year end pay stub dated xx/xx/xx. Income is higher than the qualifying income of $xxx/$xxx/yr. Because supporting documentation was obtained post consummation finding will be an EV2/B. <br>01/22/2025 - Recd post-consummation dated pay stub. LOE included was presented in the original loan file. <br>--Finding remains. <br>1) Pre-consummation dated WVOE did not provide YTD earnings.<br>2) Pay rate on the post-consummation dated paystub does not match to the WVOE.<br>3) Missing documentation to evidence prior executive chef experience. No LOE provided for career change. | Client: 02/14/25 LOE from borrower explaining career change received with 2 additional pay stubs date ending xx/xx/xx and xx/xx/xx. Per pay stubs borrower is earning a base salary of $xxx per yr/ $xxx per mth which was supported by the year end pay stub dated xx/xx/xx. Income is higher than the qualifying income of $xxx/$xxx/yr. Because supporting documentation was obtained post consummation finding will be an EV2/B. | Funded C B |
| 900001445 | XXXX | 1095018 | 01/21/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing valid COC for the addition of the $xxx appraisal fee on the xx/xx/xx.--A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($26.70) were applied to the total fee variance of ($xxx) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. |  | Verified credit history - 767 Credit score exceeds minimum 680 required per guidelines.; Low DTI - 34.20% DTI is below 45% maximum per guidelines.; |  | Client: EV2/B Post closing Corrective action. File contains PC CD, LOE to borrower and copy of refund check to the borrower for the added appraisal fee of $xxx. | Funded C B |
| 900001445 | XXXX | 1095019 | 01/21/2025 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | The hazard insurance in the file expired xx/xx/xx, two weeks after closing. Missing copy of the renewal policy. | 01/23/2025 | Verified credit history - 767 Credit score exceeds minimum 680 required per guidelines.; Low DTI - 34.20% DTI is below 45% maximum per guidelines.; | 01/22/2025 - Recd hazard insurance renewal. | 01/22/2025 - Recd hazard insurance renewal. - 01/22/2025 - Recd hazard insurance renewal. | Funded C A |
| 900001437 | XXXX | 1094912 | 01/20/2025 | Compliance | NMLS IDs do not match | NOTE 0059 | 1 | Closed | Note and Mortgage are missing NMLS ID for lender, Plaza Home Mortgage. | 02/06/2025 | Low DTI - 26.77% DTI is below 45% maximum per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; | 01/27/2025 - Lender posted response is insufficient to satisfy the finding. <br>--Finding remains. Note and Mortgage only reflect the NMLS ID for broker. Note and Mortgage must also reflect the lender's NMLS. | 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g). - 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g). | Funded C A |
| 900001437 | XXXX | 1095028 | 01/22/2025 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | Unable to verify bedroom or bathroom count for property. Information is not disclosed on the AVM, PCR, or the PDR. | 01/30/2025 | Low DTI - 26.77% DTI is below 45% maximum per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; | 1/28/2025 - TPR ordered drive by BPO containing the information. | 1/28/2025 - TPR ordered drive by BPO containing the information. - 1/28/2025 - TPR ordered drive by BPO containing the information. | Funded C A |
| 900001446 | XXXX | 1095051 | 01/22/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for $xxx increase in recording fees on final CD (date). |  | Verified employment history - Borrower 1 has been on current jobs for xxx years and second job for xxx years.; Disposable Income - Borrowers have $xxx in disposable income.; | 02/07/2025 - EV2/B Recd courier tracking to evidence cure package (xx/xx) is in transit to borrower within 60 days of consummation.<br>02/03/2025 - Recd cure package.<br>--Finding remains. Courier tracking reflects label created. Finding can be downgraded to EV2/B once the cure package is in transit to borrower.<br>01/23/2025 - Cure amount is $xxx.<br>Recording Fee: $250.00 <br>Allowable Charges (Maximum): $275.00 <br>Actual Fee: $300<br>Difference: $25.00 | Client: 02/07/2025 - EV2/B Recd courier tracking to evidence cure package (xx/xx) is in transit to borrower within 60 days of consummation. | Funded C B |
| 900001446 | XXXX | 1095093 | 01/22/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing wage earner transcript for Borrower 1 (employer) income. | 01/28/2025 | Verified employment history - Borrower 1 has been on current jobs for xxx years and second job for xxx years.; Disposable Income - Borrowers have $xxx in disposable income.; | 01/23/2025 - Exception is cleared with the attached most recent two years transcripts for B2. | 01/23/2025 - Exception is cleared with the attached most recent two years transcripts for B2. - 01/23/2025 - Exception is cleared with the attached most recent two years transcripts for B2. | Funded C A |
| 900001448 | XXXX | 1095040 | 01/22/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | Missing COC for increase in Recording Fee on CD (date). |  | Verified employment history - B1 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 37 months satisfactory mortgage rating on 1st lien. 8 months satisfactory mortgage rating reported on existing second lien.; Verified credit history - Middle credit scores 751 > 680 minimum required.; Low LTV/CLTV/HCLTV - 71.86% CLTV < 85% max allowed.; | 02/06/2025 - Recd cover letter, PCCD, refund check of $xxx, and courier receipt to evidence of delivery to borrower completed within 60 days of consummation. Note: Lender paid recording fee increased from $xxx to $xxx to match the settlement statement.<br>02/03/2025 - Lender is confirming cost to cure of $xxx.<br>--Cost to cure is $xxx. <br>NOTE: Final CD did not disclose an additional $xxx credit to cure increase to title fees as reflected on the snippet of the settlement statement presented xx/xx. Review is unable to determine if the $xxx was credited to borrower at closing. If the credit of $xxx was provided at closing a PCCD disclosing the credit to cure would be required, which would decrease the tolerance violation and subsequently the cost to cure. <br>01/29/2025 - Posted response is insufficient to satisfy the exception. <br>--Finding remains. <br>Recording Charges Paid By Borrower $xxx/ Paid By Lender $xxx = $xxx > $xxx Max Allowed.<br>Attached snippet from the settlement agent reflects $xxx credit to cure that was not disclosed on the final CD.<br>01/24/2025 - Cure is $xxx.<br>Recording Fee: $xxx<br>Allowable Charges (Maximum): $xxx<br>Actual Fee: $xxx<br>Difference: $xxx<br>| Client: 02/06/2025 - Recd cover letter, PCCD, refund check of $xxx, and courier receipt to evidence of delivery to borrower completed within 60 days of consummation. Note: Lender paid recording fee increased from $xxx to $xxx to match the settlement statement. | Funded C B |
| 900001448 | XXXX | 1095177 | 01/23/2025 | Credit | Unacceptable Mortgage History | CRED 0001 | 1 | Closed | Timeshare mortgage is reporting 1x30 in (date). Guideline requires 0x30x24 on all borrowers mortgages. | 01/31/2025 | Verified employment history - B1 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 37 months satisfactory mortgage rating on 1st lien. 8 months satisfactory mortgage rating reported on existing second lien.; Verified credit history - Middle credit scores 751 > 680 minimum required.; Low LTV/CLTV/HCLTV - 71.86% CLTV < 85% max allowed.; | 01/28/2025 - Investor defers to fnma, timeshare accounts identified as mortgage tradelines are not required to meet the requirements, and are considered to be installment accounts.<br>| 01/28/2025 - Investor defers to fnma, timeshare accounts identified as mortgage tradelines are not required to meet the requirements, and are considered to be installment accounts.<br>- 01/28/2025 - Investor defers to fnma, timeshare accounts identified as mortgage tradelines are not required to meet the requirements, and are considered to be installment accounts. | Funded C A |
| 900001448 | XXXX | 1095178 | 01/23/2025 | Property | Property Inspection Date is prior to disaster declaration begin date | FEMA 0001 | 1 | Closed | Property is located in a (government agency) declared disaster area due to CA wildfires, (date). Missing post-disaster inspection report. | 02/04/2025 | Verified employment history - B1 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 37 months satisfactory mortgage rating on 1st lien. 8 months satisfactory mortgage rating reported on existing second lien.; Verified credit history - Middle credit scores 751 > 680 minimum required.; Low LTV/CLTV/HCLTV - 71.86% CLTV < 85% max allowed.; | 02/03/2025 - Recd PDI, "Free & clear of disaster related damage. Value and marketability have not been affected." | 02/03/2025 - Recd PDI, "Free & clear of disaster related damage. Value and marketability have not been affected." - 02/03/2025 - Recd PDI, "Free & clear of disaster related damage. Value and marketability have not been affected." | Funded C A |
| 900001492 | XXXX | 1095055 | 01/22/2025 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed | Missing documentation to verify hospital lien filed (date) in favor of (medical facility) has been satisfied or subordinated. (Schedule C Item #7) | 01/31/2025 | Verified reserves - 15 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned and occupied the subject property as primary residence for xxx years.; | 01/30/2025 - Recd email form title, I reviewed the lien and confirmed it is a lien against a protentional claim if there is a settlement. It is not against the borrower and ahs been removed". Title commitment with hospital lien removed was previously presented xx/xx. <br>01/27/2025 - Recd title commitment with same date and timestamp, but the hospital lien is not reflected. Review is unable to determine which commitment is the final. Missing documentation to evidence the lien has been satisfied or subordinated. | 01/30/2025 - Recd email form title, I reviewed the lien and confirmed it is a lien against a protentional claim if there is a settlement. It is not against the borrower and ahs been removed". Title commitment with hospital lien removed was previously presented xx/xx. - 01/30/2025 - Recd email form title, I reviewed the lien and confirmed it is a lien against a protentional claim if there is a settlement. It is not against the borrower and ahs been removed". Title commitment with hospital lien removed was previously presented xx/xx. | Funded C A |
| 900001492 | XXXX | 1095069 | 01/22/2025 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | LE data in the Calculating Cash to Close tables of all the CDs differs from last LE in file issued (date). File may be missing an interim LE. (2 LEs in file). | 02/25/2025 | Verified reserves - 15 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned and occupied the subject property as primary residence for xxx years.; | 02/21/2025 - Finding is cleared with the attached lender attestation confirming only one LE was issued xx/xx.<br>02/18/2025 - "Will an LOX on letterhead suffice or is there a certain attestation template you are needing?"<br>--A signed LOX on letterhead is acceptable.<br>02/10/2025 - Attached disclosure tracking reflects a revised LE being issued by mail and electronically on xx/xx. Review is unable to determine if the same disclosure was issued via two different methods or if there were two different LEs issued. The CD calculating cash table LE section does not match to the LEs in file. <br>--Finding remains. Lender to provide an attestation confirming if two LEs were issued xx/xx and if they were identical.<br>02/04/2025 - Disclosure tracking does not show there are any LE's issued after the xx/xx LE, there is a CD which shows the cash to borrower increased therefore a benefit to borrower. Estimated cash to borrower on LE xx/xx is $xxx and CD dated xx/xx cash to borrower $xxx Lender fee, title fees - went down, and a lender credit was applied, all benefit to borrower so another LE was not triggered by Encompass.<br>--Provide attestation confirming that there were no LEs issued after xx/xx for the loan file.<br>01/24/2025 - Recd xx/xx LE.<br>--Finding remains. Lender to confirm LE issue dates. Loan file appears to be missing the LE issued after 12/5, CD calculating cash to close table for the latest issued LE does not match to the xx/xx LE. | 02/21/2025 - Finding is cleared with the attached lender attestation confirming only one LE was issued (date). - 02/21/2025 - Finding is cleared with the attached lender attestation confirming only one LE was issued (date). | Funded C A |
| 900001408 | XXXX | 1095251 | 01/24/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Borrowers on first mortgage are not the same as on the subject second as required by the guidelines. Investor acknowledged exception in file. |  | Verified occupancy in subject property - Borrower has owned and occupied the subject property for xxx years.; Verified credit history - 697 fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.71% CLTV w/a max allowed of 75%.; |  | Client: Investor Acknowledged Exception. | Funded C B |
| 900001456 | XXXX | 1095091 | 01/22/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal description is missing from Mortgage. | 01/29/2025 | Verified reserves - 13 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed for (employer) for xxx years as a (occupation) per (voe).; | 01/27/2025 - Recd DOT with legal description. | 01/27/2025 - Recd DOT with legal description. - 01/27/2025 - Recd DOT with legal description. | Approved C |
| 900001456 | XXXX | 1095092 | 01/22/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | ROR shows an expiration (date). Final CD signed at closing shows a disbursement (date). Earliest valid disbursement (date) | 02/07/2025 | Verified reserves - 13 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed for (employer) for xxx years as a (occupation) per (voe).; | 02/05/2025 - Recd settlement statement to support re-disclosed disbursement date.<br>01/31/2025 - Recd cure package, disbursement date changed to (date).<br>--Missing settlement statement to confirm the disbursement date. Also missing evidence of trackable delivery to borrower as restitution was provided (TRID 0171). | 02/05/2025 - Recd settlement statement to support re-disclosed disbursement date. - 02/05/2025 - Recd settlement statement to support re-disclosed disbursement date. | Approved C |
| 900001456 | XXXX | 1095098 | 01/22/2025 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 2 | Acknowledged | Missing valid COC for LE (date). COC says additional settlement servicer and addition of AVM fee. No change to settlement costs, and no explanation of what circumstance changed causing AVM fee. No fee tolerance exception. |  | Verified reserves - 13 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed for (employer) for xxx years as a (occupation) per (voe).; | 02/05/2025 (TRID 0152) EV2/B - Recd courier tracking evidencing cure package in transit to borrower within 60 days of consummation. Cure package was previously presented xx/xx ROR 0009.<br>02/05/2025 - Cure was provided to borrower. Tracking for cure was provided along with copy of check.<br>--Finding remains. Missing missing evidence of trackable delivery to borrower of cure package as restitution was provided. Cure package presented xx/xx ROR 0009 contained the following:<br>Cover Letter<br>PCCD<br>Refund Check $xxx<br>02/03/2025 - Recd cure package (ROR 0009).<br>--Missing settlement statement to confirm the disbursement date. Also missing evidence of trackable delivery to borrower as restitution was provided.<br>01/28/2025 - Attached COC does not explain why an AVM was added.<br>| Client: 02/05/2025 (TRID 0152) EV2/B - Recd courier tracking evidencing cure package in transit to borrower within 60 days of consummation. Cure package was previously presented xx/xx ROR 0009. | Approved C B |
| 900001456 | XXXX | 1095108 | 01/22/2025 | Compliance | Fee Naming Convention is inconsistent and/or does not meet the Clear and Conspicuous standard (12 CFR 1026.38(h)(4)) | TRID 0152 | 2 | Acknowledged | Final CD, shows Appraisal Fee paid prior to close for $xxx, paid to "Appraiser." CD does not disclose name of payee, and file has no appraisal. Separate AVM fee was charged at closing. |  | Verified reserves - 13 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed for (employer) for xxx years as a (occupation) per (voe).; | 02/05/2025 - EV2/B Attached courier tracking evidences cure package is in transit to borrower within 60 days of consummation. Cure package was previously presented xx/xx ROR 0009.<br>02/03/2025 - Cure package presented (ROR 0009), payee updated. <br>--Finding remains. Missing settlement statement to confirm the disbursement date. Also missing evidence of trackable delivery to borrower as restitution was provided (TRID 0171). | Client: 02/05/2025 - EV2/B Attached courier tracking evidences cure package is in transit to borrower within 60 days of consummation. Cure package was previously presented xx/xx ROR 0009. | Approved C B |
| 900001440 | XXXX | 1095153 | 01/23/2025 | Compliance | NMLS IDs do not match | NOTE 0059 | 1 | Closed | NMLS ID for (lender) is missing from Note and Mortgage. | 02/06/2025 | Verified reserves - 31 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self-employed owner of (business) for xxx years per CPA letter.; |  | 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g). - 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g). | Funded C A |
| 900001453 | XXXX | 1095191 | 01/23/2025 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | Loan Estimate Calculating cash to close on all CDs do not match LE in file (date). Possible missing disclosure(s) | 02/17/2025 | Verified credit history - 716 Fico w/a minimum requirement of 700. ; Verified reserves - 9.45 mths reserves verified w/cash out proceeds w/a minimum requirement of 2 mths.; | 02/13/2025 - Attached disclosure tracking confirms no re-disclosed LEs.<br>02/10/2025 - It looks like we were paying off $xxx in debt. On the initial CD the payoffs changed and we were only paying off $xxx in debt, leaving us with proceeds of $xxx.<br>--Finding remains. Lender to confirm if there were any re-disclosed LEs. | 02/13/2025 - Attached disclosure tracking confirms no re-disclosed LEs.<br>- 02/13/2025 - Attached disclosure tracking confirms no re-disclosed LEs. | Funded C A |
| 900001453 | XXXX | 1095281 | 01/24/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | TX(50)(a)(6) Violation - Lender Loan approval reflects the requirement to repay debts other than existing debt that is secured by the subject property. Approval reflects that the following debts were to be paid at closing. Lender approved DTI 42.061%. DTI with the payments included exceeds 56% with a max allowed by the guideline of 45%. | 01/29/2025 | Verified credit history - 716 Fico w/a minimum requirement of 700. ; Verified reserves - 9.45 mths reserves verified w/cash out proceeds w/a minimum requirement of 2 mths.; | 01/27/2025 - TPR set in error. <br>Provision for (State) Constitution - the owner of the homestead is not required to apply the proceeds of the extension of credit to repay another debt except debt secured by the homestead or debt to another lender.<br>-- Debt paid to another lender.<br>| 01/27/2025 - TPR set in error. <br>Provision for (State) Constitution - the owner of the homestead is not required to apply the proceeds of the extension of credit to repay another debt except debt secured by the homestead or debt to another lender.<br>-- Debt paid to another lender.<br>- 01/27/2025 - TPR set in error. <br>Provision for (State) Constitution - the owner of the homestead is not required to apply the proceeds of the extension of credit to repay another debt except debt secured by the homestead or debt to another lender.<br>-- Debt paid to another lender. | Funded C A |
| 900001453 | XXXX | 1095322 | 01/24/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | Final CD (date) reflects an issue (date) but is esigned by the borrower(s) (date). - Last Closing Disclosure Received Date (date) earlier than the Last Closing Disclosure Date Issued (date). Review cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) | 01/29/2025 | Verified credit history - 716 Fico w/a minimum requirement of 700. ; Verified reserves - 9.45 mths reserves verified w/cash out proceeds w/a minimum requirement of 2 mths.; | 01/27/2025 - Recd final CD wet-signed by the borrower at closing. | 01/27/2025 - Recd final CD wet-signed by the borrower at closing. - 01/27/2025 - Recd final CD wet-signed by the borrower at closing. | Funded C A |
| 900001458 | XXXX | 1095273 | 01/24/2025 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing updated title commitment reflecting the correct loan amount. Title commitment in file reflects a loan amount of $xxx. | 02/12/2025 | Verified employment history - VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 52 months satisfactory mortgage rating.; Verified credit history - Credit score 771 > 680 minimum required.; | 02/07/2025 - Recd title commitment with proposed amount of insurance $xxx.<br>01/28/2025 - Recd the same title commitment that was presented in the original loan file.<br>--Finding remains. Attached title commitment reflects a proposed amount of insurance of $xxx. Actual loam amount is $xxx. | 02/07/2025 - Recd title commitment with proposed amount of insurance $xxx. - 02/07/2025 - Recd title commitment with proposed amount of insurance $xxx. | Funded C A |
| 900001458 | XXXX | 1095276 | 01/24/2025 | Property | Property Inspection Date is prior to disaster declaration begin date | FEMA 0001 | 1 | Closed | Subject is located in a (government agency) declared disaster area due to CA wildfires (date). Missing post-disaster property inspection to confirm no damage to property was sustained from the wildfires. | 02/03/2025 | Verified employment history - VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 52 months satisfactory mortgage rating.; Verified credit history - Credit score 771 > 680 minimum required.; | 01/31/2025 - Recd PDI confirming, "The subject and neighborhood properties are free and clear of disaster related damage. The disaster has had no effect on the subject's marketability."<br>| 01/31/2025 - Recd PDI confirming, "The subject and neighborhood properties are free and clear of disaster related damage. The disaster has had no effect on the subject's marketability."<br>- 01/31/2025 - Recd PDI confirming, "The subject and neighborhood properties are free and clear of disaster related damage. The disaster has had no effect on the subject's marketability." | Funded C A |
| 900001465 | XXXX | 1095241 | 01/23/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | UPDATED 2/3: Missing clarification why the title company is retaining a recording fee of $xxx, and verification of what service the fee of $xxx is for (e.g. doc prep, recording service fee). <br>Recording fees are paid to government offices, however the settlement statement breakdown reflects $xxx paid to the county with $xxx paid to the title company for the mortgage cap affidavit. The mortgage cap affidavit is required to be affixed to the mortgage citing the max recording fee allowed of $xxx.<br>ORIGINAL EXCEPTION: Final CD on page 42 sections E for Mortgage recording fees does not balance. Fee named is Mortgage for $xxx. Fee charged is $xxx. | 02/10/2025 | Verified credit history - Credit report confirms 36 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 > 680 minimum required.; Low LTV/CLTV/HCLTV - 60.55% CLTV < 85% max allowed.; | 02/04/2025 - Recd updated settlement statement and refund check to borrower in the amount of $xxx issued by the settlement agent. <br>02/03/2025 - Missing clarification why the title company is retaining a recording fee of $xxx, and verification of what service the fee of $xxx is for (e.g. doc prep, recording service fee). <br>Recording fees are paid to government offices, however the settlement statement breakdown reflects $xxx paid to the county with $xxx paid to the title company for the mortgage cap affidavit. The mortgage cap affidavit is required to be affixed to the mortgage citing the max recording fee allowed of $xxx. | 02/04/2025 - Recd updated settlement statement and refund check to borrower in the amount of $xxx issued by the settlement agent. - 02/04/2025 - Recd updated settlement statement and refund check to borrower in the amount of $xxx issued by the settlement agent. | Funded C A |
| 900001465 | XXXX | 1095292 | 01/24/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing underwriting decision with loan approval date. | 01/29/2025 | Verified credit history - Credit report confirms 36 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 > 680 minimum required.; Low LTV/CLTV/HCLTV - 60.55% CLTV < 85% max allowed.; | 01/27/2025 - Recd conditional approval. | 01/27/2025 - Recd conditional approval. - 01/27/2025 - Recd conditional approval. | Funded C A |
| 900001465 | XXXX | 1095326 | 01/24/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 1 | Closed | Fraud report score is 0 / Auto Refer. Missing updated fraud report with all fraud findings satisfactorily addressed. | 02/12/2025 | Verified credit history - Credit report confirms 36 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 > 680 minimum required.; Low LTV/CLTV/HCLTV - 60.55% CLTV < 85% max allowed.; | 02/10/2025 - Recd rescored fraud report, 1000/Pass.<br>01/29/2025 - Recd the same fraud report presented in the original loan file, 0/Auto Refer.<br>--Finding remains. Missing rescored drive report with all fraud findings satisfactorily addressed. | 02/10/2025 - Recd rescored fraud report, 1000/Pass.<br>- 02/10/2025 - Recd rescored fraud report, 1000/Pass. | Funded C A |
| 900001470 | XXXX | 1095240 | 01/23/2025 | Compliance | NMLS IDs do not match | NOTE 0059 | 1 | Closed | Note and Mortgage are missing NMLS for lender, Plaza Home Mortgage. | 02/06/2025 | Verified housing payment history - Borrower has verified mortgage history of 0x30x78 which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 24.89% DTI is below maximum 45% allowed per guidelines.; | 01/28/2025 - "This finding was cited in error. (Lender) is a Wholesale Lender so our NMLS is not required to be on the Note and Deed of Trust. The NMLS is listed on these documents for the Originating Lender and Originating Loan Officer which is all that is required. Please clear this finding as cited in error. Thank you."<br>--The term "loan originator" includes a creditor that engages in loan origination activities if the creditor does not finance the transaction at consummation out of the creditor's own resources, including by drawing on a bona fide warehouse line of credit or out of deposits held by the creditor. All creditors that engage in any of the foregoing loan origination activities are loan originators for purposes of disclosing NMLS ID on the appropriate documents. | 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g). - 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g). | Approved C |
| 900001470 | XXXX | 1095243 | 01/23/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing subject tax cert to validate taxes of $xxx used to qualify per the 1008. | 01/30/2025 | Verified housing payment history - Borrower has verified mortgage history of 0x30x78 which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 24.89% DTI is below maximum 45% allowed per guidelines.; | 01/28/2025 - Recd tax cert. | 01/28/2025 - Recd tax cert. - 01/28/2025 - Recd tax cert. | Approved C |
| 900001521 | XXXX | 1095285 | 01/24/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for re-added application on final CD issued xx/xx. |  | Verified housing payment history - Borrowers have verified housing history of 0x30x40 which exceeds minimum required 0x30x24.; Disposable Income - Borrowers have $xxx in verified disposable income.; |  | 02/07/2025 EV2/B Recd PCCD, cover letter, refund check $1039.95, and courier receipt to evidence delivery of the cure package to borrower within 60 days of consummation. | Funded C B |
| 900001521 | XXXX | 1095286 | 01/24/2025 | Compliance | Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 | TRID 0089 | 2 | Acknowledged | The disclosed finance charge ($xxx) is ($xxx) below the actual finance charge ($xxx). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $xxx below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1). It is noted that the lender's compliance report in file dated xx/xx/xx Version 33 reflects a disclosed finance charge of $xxx. Final CD xx/xx/xx pg xxx. |  | Verified housing payment history - Borrowers have verified housing history of 0x30x40 which exceeds minimum required 0x30x24.; Disposable Income - Borrowers have $xxx in verified disposable income.; | 03/03/25 Recession Period Expired.<br>02/25/25 Recd PCCD, cover letter, refund check $xxx, and courier receipt to evidence delivery to borrower was completed within 45 days of closing. ROR forms were included, however, the new rescission period has not yet expired. Finding can be downgraded to EV2/B on xx/xx/xx if there is no indication borrower has exercised the right to rescind.<br>02/06/2025 - Recd PCCD, cover letter, refund check $xxx, and courier receipt to evidence delivery of the cure package to borrower within 60 days of consummation. Missing evidence of rescission period being reopened for the rescindable transaction. | 03/03/2025 03/03/2025 - EV2/B Post-Closing Corrective Action<br>02/27/2025 Recd PCCD, cover letter, refund check $132.25, and courier receipt to evidence delivery to borrower was completed within 45 days of closing. ROR forms were included, however, the new rescission period has not yet expired. Finding can be downgraded to EV2/B on 03/01/2025 if there is no indication borrower has exercised the right to rescind.<br>02/12/2025 The disclosed finance charge ($274,829.90) is ($938.67) below the actual finance charge ($275,768.57). A lender credit of $995 was provided to cure the under-disclosure. The rescission period must be reopened providing a new 3-day rescission period for material disclosure violations on rescindable transactions. <br>02/07/2025 EV2/B Recd PCCD, cover letter, refund check $1039.95, and courier receipt to evidence delivery of the cure package to borrower within 60 days of consummation. | Funded C B |
| 900001521 | XXXX | 1095290 | 01/24/2025 | Compliance | High Cost Failure | HCOST 0001 | 2 | Acknowledged | The loan fees ($xxx) exceed the (state) High Cost fee limit, which is ($xxx), the difference is ($xxx). |  | Verified housing payment history - Borrowers have verified housing history of 0x30x40 which exceeds minimum required 0x30x24.; Disposable Income - Borrowers have $xxx in verified disposable income.; | UPDATE 2/20/2025 - Recd confirmation from counsel that the high cost failure can be cured within 45 days of consummation. Finding can be downgraded to EV2/B upon receipt of the cover letter, refund check to borrower, PCCD, with evidence of trackable delivery within 45 days of consummation. | 02/27/2025 Finding is downgraded to EV2/B with PCCD, cover letter, refund check $132,.25, and courier receipt to evidence delivery to borrower was completed within 45 days of closing (REFER TRID 0089 02/25/2025)<br>02/07/2025 Recd PCCD, cover letter, refund check $1039.95, and courier receipt to evidence delivery of the cure package to borrower within 60 days of consummation. -- Finding remains. There is no cure for high cost failures. | Funded C B |
| 900001521 | XXXX | 1095518 | 01/28/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review 51.01% DTI exceeds maximum 45% per guidelines. Variance is due to lender using positive rental income of $xxx to qualify for xxxx REO. Review calculated loss of -$xxx. Review utilized 2 yrs tax returns as per the guideline "Other Types of Income" section. It is noted that there were leases in the file for Floor xxx and Apartment xxx total which totaled $xxx. It is unknown where lender of $xxx was obtained. |  | Verified housing payment history - Borrowers have verified housing history of 0x30x40 which exceeds minimum required 0x30x24.; Disposable Income - Borrowers have $xxx in verified disposable income.; | 03/03/25 Recd from LRCP An exception has been approved for the post consummation statement to exclude the WFBNA auto loan, as well as the CLTV of 82% for DTI exceeding 45% (but less than 50%). Please waive/downgrade the condition. | 02/07/2025 Missing investor acknowledgement to exclude installment tradeline based on post-consummation dated billing statement reflecting 9.37 months remaining (WF9487). Origination credit report reflect 11+ months. | Funded C B |
| 900001521 | XXXX | 1095523 | 01/28/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | 1. Loan amount on approval is $xxx; loan closed at $xxx.<br>2. Interest rate on approval is 10.75%. Subject closed at 9.75%. | 02/12/2025 | Verified housing payment history - Borrowers have verified housing history of 0x30x40 which exceeds minimum required 0x30x24.; Disposable Income - Borrowers have $xxx in verified disposable income.; |  | 02/12/2025 Finding is cleared with the attached Loan Approval Conditions. - 02/12/2025 Finding is cleared with the attached Loan Approval Conditions.<br>01/30/2025 The loan file should contain the lender loan approval reflecting final approved loan terms. | Funded C A |
| 900001459 | XXXX | 1095386 | 01/26/2025 | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 2 | Acknowledged | Disbursement date listed on CD (date), calculated interest (date). |  | Low DTI - 43.57% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxxx in disposable income.; | 02/07/2025 - EV2/B Recd cover letter, PCCD with 1 day per diem interest refunded to borrower, and refund check. Disbursement (date) with interest paid from (date). Disbursement per settlement stated (date) with interest paid from (date). (State) per diem interest rule states that borrowers cannot be charged interest for more than one day before the loan proceeds are disbursed. Discrepancy due to difference between anticipated vs actual disbursement date.<br>01/30/2025 - Recd final settlement statement.<br>--Finding remains. Missing copy of the dry funding CD disclosing the correct disbursement date. | Client: EV2/B Recd cover letter, PCCD with 1 day per diem interest refunded to borrower, and refund check. Disbursement (date) with interest paid from (date). Disbursement per settlement stated (date) with interest paid from (date). (State) per diem interest rule states that borrowers cannot be charged interest for more than one day before the loan proceeds are disbursed. Discrepancy due to difference between anticipated vs actual disbursement date. | Funded C B |
| 900001459 | XXXX | 1095632 | 01/28/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval. | 02/11/2025 | Low DTI - 43.57% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxxx in disposable income.; | 02/10/2025 - Recd underwriting conditional approval.<br>01/30/2025 - Attached underwriting conditional approval does not reflect the loan approval date and the correct loan amount. | 02/10/2025 - Recd underwriting conditional approval. - 02/10/2025 - Recd underwriting conditional approval. | Funded C A |
| 900001459 | XXXX | 1096910 | 02/06/2025 | Property | Property Inspection Date is prior to disaster declaration begin date | FEMA 0001 | 1 | Closed | Subject is located in a (government agency) declared disaster area. Missing PDI confirming no damage to property. | 02/06/2025 | Low DTI - 43.57% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxxx in disposable income.; | 01/30/2025 - Recd PDI, no damage noted to subject nor in immediate neighborhood and no damage noted in expanded market area. | 01/30/2025 - Recd PDI, no damage noted to subject nor in immediate neighborhood and no damage noted in expanded market area. - 01/30/2025 - Recd PDI, no damage noted to subject nor in immediate neighborhood and no damage noted in expanded market area. | Funded C A |
| 900001464 | XXXX | 1095481 | 01/27/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 1 | Closed | Missing valid COC for addition of Broker compensation of $xxx and an additional verification fee of $xxx on CD issued (date). COC (date) says compensation basis change, but does not describe what circumstance changed from prior disclosure to cause a compensation basis change. COC (date) says add verification fee to broker, but does not explain what circumstance changed to incur this additional verification fee. -- A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($xxx) were applied to the total fee variance of ($xxx) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. | 02/07/2025 | Verified housing payment history - Borrower has 0x30x62 verified payment history which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 53.77% CLTV is below maximum 75% allowed per guidelines.; | 02/05/2025 - Received explanation that borrower requested compensation change. Discount points were removed and broker comp was added. Exception cleared. | 2/7/2025: Received explanation that borrower requested compensation change. Discount points wee removed and broker comp was added. Exception cleared. - 2/7/2025: Received explanation that borrower requested compensation change. Discount points wee removed and broker comp was added. Exception cleared. | Approved C |
| 900001522 | XXXX | 1095468 | 01/27/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged |  |  |  |  |  | Funded C B |
| 900001522 | XXXX | 1095698 | 01/29/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged |  |  |  |  |  | Funded C B |
| 900001522 | XXXX | 1095775 | 01/29/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed |  | 01/30/2025 |  |  |  | Funded C A |
| 900001457 | XXXX | 1095497 | 01/27/2025 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Schedule A #4 Vesting states subject to possible xxxx. Missing updated title or copy of final title policy to verify no undisclosed xxxx. (No xxxx indicated on 1003 or fraud report) | 02/12/2025 | Low DTI - 19.33% DTI w/a max allowed of 45%.; Verified credit history - 764 fico w/a minimum requirement of 680.; | 02/10/2025 - Recd email correspondence from title to evidence condition for possible bankruptcy was cleared with lender provided SSN.<br>02/04/2025 - Recd title commitment with "possible xxxx" removed. The attached title commitment is dated the same date as the title commitment in file. Review is unable to determine which is correct. | 02/10/2025 - Recd email correspondence from title to evidence condition for possible bankruptcy was cleared with lender provided SSN. - 02/10/2025 - Recd email correspondence from title to evidence condition for possible bankruptcy was cleared with lender provided SSN. | Funded C A |
| 900001438 | XXXX | 1095552 | 01/28/2025 | Compliance | NMLS IDs do not match | NOTE 0059 | 1 | Closed | Note and Mortgage are missing NMLS for (lender). | 02/06/2025 | Verified credit history - 782 Credit score exceeds minimum 700 score per guidelines.; Low DTI - 33.36% DTI is below 50% maximum per guidelines.; |  | 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g).<br>- 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g). | Funded C A |
| 900001475 | XXXX | 1095587 | 01/28/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for CD (date) for the increase in the credit report and verification fees. | 02/07/2025 | Low DTI - 34.57% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower 1 has been on current job xxx years.; | 02/05/2025 - Recd COC for final CD, reverification of employment and credit rescore required. | 02/05/2025 - Recd COC for final CD, reverification of employment and credit rescore required. - 02/05/2025 - Recd COC for final CD, reverification of employment and credit rescore required. | Approved C |
| 900001475 | XXXX | 1096069 | 01/30/2025 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing required Property Condition Report to confirm no subject property damage. Only AVM provided. | 02/07/2025 | Low DTI - 34.57% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower 1 has been on current job xxx years.; | 02/06/2025 - Recd PDI reflecting, There is no indication of any damage in the neighborhood as a result of a natural disaster. | 02/06/2025 - Recd PDI reflecting, There is no indication of any damage in the neighborhood as a result of a natural disaster. - 02/06/2025 - Recd PDI reflecting, There is no indication of any damage in the neighborhood as a result of a natural disaster. | Approved C |
| 900001475 | XXXX | 1096097 | 01/30/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Review DTI 34.57% / Approved DTI 38.79%, variance > 3% tolerance. Approved DTI double counted property costs that are escrowed with first lien payment. |  | Low DTI - 34.57% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower 1 has been on current job xxx years.; |  | Client: EV2/B Non-Material, Max allowed 45%. | Approved C B |
| 900001455 | XXXX | 1096130 | 01/31/2025 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 1 | Closed | VVOE is (date), note date is (date). | 02/07/2025 | Low LTV/CLTV/HCLTV - 58.38% CLTV is below 75% maximum per guidelines.; Low DTI - 39.12% DTI is below 45% maximum per guidelines.; | 02/05/2025 - Recd VVOE dated current year. | 02/05/2025 - Recd VVOE dated current year. - 02/05/2025 - Recd VVOE dated current year. | Approved C |
| 900001523 | XXXX | 1095702 | 01/29/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing valid COC for increase to the appraisal fee for $xxx to $xxx. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent (date): Appraisal Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). |  | Low LTV/CLTV/HCLTV - 49.17% CLTV is below 80% maximum per guidelines.; Verified ownership of subject property - Borrower has owned subject property xxx years.; | 02/13/2025 - EV2/B Recd PCCD, refund check $xxx, cover letter, and courier tracking receipt to evidence delivery to borrower was completed within 60 days from consummation. | Client: 02/13/2025 - EV2/B Recd PCCD, refund check $xxx, cover letter, and courier tracking receipt to evidence delivery to borrower was completed within 60 days from consummation. | Funded C B |
| 900001463 | XXXX | 1095830 | 01/29/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing underwriting decision/loan approval. | 02/06/2025 | Verified housing payment history - Credit report confirms 90 months satisfactory mortgage rating.; Verified credit history - 742/755 middle credit scores with no history of delinquency reported. Minimum credit score required 680.; | 02/05/2025 - Recd underwriting conditional approval. | 02/05/2025 - Recd underwriting conditional approval. - 02/05/2025 - Recd underwriting conditional approval. | Funded D A |
| 900001463 | XXXX | 1096283 | 01/31/2025 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Appraiser noted that the water heater does not have seismic straps but does not state whether they are required. | 02/06/2025 | Verified housing payment history - Credit report confirms 90 months satisfactory mortgage rating.; Verified credit history - 742/755 middle credit scores with no history of delinquency reported. Minimum credit score required 680.; | 02/06/2025 - TPR set in error. Appraiser noted water heater does have seismic straps. | 02/06/2025 - TPR set in error. Appraiser noted water heater does have seismic straps. - 02/06/2025 - TPR set in error. Appraiser noted water heater does have seismic straps. | Funded C A |
| 900001463 | XXXX | 1096288 | 01/31/2025 | Compliance | File Documentation is Incomplete (Compliance) | COMP 0047 | 1 | Closed | Missing copy of the borrowers valid government issued IDs. IDs in file are expired. | 02/06/2025 | Verified housing payment history - Credit report confirms 90 months satisfactory mortgage rating.; Verified credit history - 742/755 middle credit scores with no history of delinquency reported. Minimum credit score required 680.; | 02/06/2025 - Recd copies of the borrowers valid government issued IDs. | 02/06/2025 - Recd copies of the borrowers valid government issued IDs. - 02/06/2025 - Recd copies of the borrowers valid government issued IDs. | Funded C A |
| 900001463 | XXXX | 1096289 | 01/31/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing B1 employer verification of scheduled hours worked. Borrowers hours fluctuate week to week. | 02/11/2025 | Verified housing payment history - Credit report confirms 90 months satisfactory mortgage rating.; Verified credit history - 742/755 middle credit scores with no history of delinquency reported. Minimum credit score required 680.; | 02/07/2025 - Recd post-consummation WVOE confirming scheduled hours of 40 hours per week. <br>02/06/2025 - "Since we used an average of (years) earnings to calculate the income the number of hours worked is not relevant."<br>--Disagree, base pay using average # of hours worked must be developed and compared to to YTD and past year earnings averages.<br>Per (agency), Hourly Base Income Calculation: (Hourly gross pay x average # of hours worked per week x 52 weeks) / 12 months<br>All of the above calculations must be compared with the documented year-to-date base earnings (and past year earnings, if applicable) to determine if the income amount appears to be consistent. | 02/07/2025 - Recd post-consummation WVOE confirming scheduled hours of 40 hours per week. <br>- 02/07/2025 - Recd post-consummation WVOE confirming scheduled hours of 40 hours per week. | Funded C A |
| 900001463 | XXXX | 1097292 | 02/11/2025 | Credit | Income Calculation Discrepancy | CRED 0084 | 2 | Acknowledged | Review DTI 41.77% / Approved DTI 34.76%, variance > 3%. Review calculated income based on the YTD average, which is the most conservative approach. |  | Verified housing payment history - Credit report confirms 90 months satisfactory mortgage rating.; Verified credit history - 742/755 middle credit scores with no history of delinquency reported. Minimum credit score required 680.; |  | Client: EV2/B Non-Material, Max DTI allowed 45%. | Funded C B |
| 900001439 | XXXX | 1095860 | 01/30/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD Initial APR 10.622% / CD Interim APR 9.827%, variance > 0.125% less than 3 business days prior to closing.<br>|  | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Low DTI - 30.26% DTI is below 50% maximum per guidelines.; |  | Client: EV2/B Non-Material - Decrease to borrower is deemed to be a benefit to borrower. | Funded C B |
| 900001443 | XXXX | 1096246 | 01/31/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR decreased > 0.125% from LE 9.073% to Initial CD 8.941%, which is less than 3 business days prior to closing. |  | Verified credit history - 757 Credit score exceeds minimum 680 required per guidelines.; Low LTV/CLTV/HCLTV - 58.92% CLTV is below maximum 85% allowed per guidelines.; |  | Client: EV2/B Non-Material, decrease in APR is deemed to be a benefit to borrower. | Funded C B |
| 900001489 | XXXX | 1096290 | 01/31/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing underwriting decision / loan approval. | 02/13/2025 | Verified housing payment history - Credit report confirms 47 months satisfactory mortgage rating.; Verified credit history - Middle Credit Score 741 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 57.24% CLTV < 85% Max Allowed.; Low DTI - Approved DTI 35.38% < 45% Max Allowed.; | 02/10/2025 - Recd the conditional approval. | 02/10/2025 - Recd the conditional approval. - 02/10/2025 - Recd the conditional approval. | Funded D A |
| 900001489 | XXXX | 1096293 | 01/31/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | CD only included the HOA payment of $xxx in the property costs. Hazard insurance does not appear to be escrowed with first lien, thus should have been disclosed to borrower. |  | Verified housing payment history - Credit report confirms 47 months satisfactory mortgage rating.; Verified credit history - Middle Credit Score 741 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 57.24% CLTV < 85% Max Allowed.; Low DTI - Approved DTI 35.38% < 45% Max Allowed.; | 02/13/2025 - EV2/B Recd PCCD and cover letter. No restitution required, thus US Mailbox Rule applied. | Client: 02/13/2025 - EV2/B Recd PCCD and cover letter. No restitution required, thus US Mailbox Rule applied. | Funded C B |
| 900001489 | XXXX | 1096376 | 02/03/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Missing credit inquiry letter. | 02/13/2025 | Verified housing payment history - Credit report confirms 47 months satisfactory mortgage rating.; Verified credit history - Middle Credit Score 741 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 57.24% CLTV < 85% Max Allowed.; Low DTI - Approved DTI 35.38% < 45% Max Allowed.; | 02/10/2025 - Exception is cleared with the attached undisclosed debt acknowledgement, no new debt obtained. | 02/10/2025 - Exception is cleared with the attached undisclosed debt acknowledgement, no new debt obtained. - 02/10/2025 - Exception is cleared with the attached undisclosed debt acknowledgement, no new debt obtained. | Funded C A |
| 900001489 | XXXX | 1096378 | 02/03/2025 | Credit | Missing Divorce Decree and/or Separation Agreement | DD 0001 | 1 | Closed | Borrower LOE addressing divorce is not signed by the borrower. | 02/28/2025 | Verified housing payment history - Credit report confirms 47 months satisfactory mortgage rating.; Verified credit history - Middle Credit Score 741 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 57.24% CLTV < 85% Max Allowed.; Low DTI - Approved DTI 35.38% < 45% Max Allowed.; | 02/27/2025 - Recd signed LOE addressing divorce. | 02/27/2025 - Recd signed LOE addressing divorce. - 02/27/2025 - Recd signed LOE addressing divorce. | Funded C A |
| 900001490 | XXXX | 1096321 | 02/02/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Amount non specific lender credits (lender paid fees) has decreased without a COC or off-setting general lender credit. CD issued (date) has lender credit of $xxx. Final CD issued (date) has non specific lender credit of $xxx. (Both disclosures reflect Lender paid fee of $xxx for Lender Fee section A) | 02/25/2025 | Verified credit history - Primary wage earner fico is 754 w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 68.13% LTV/CLTV w/a max allowed of 85%.; | 02/21/2025 - Finding is cleared with the attached lock confirmation, rate decreased resulting in a pricing change (Lender Paid Origination Fee $xxx + General Lender Credit $xxx = $xxx).<br>02/20/2025 - "The rate lowered which reduced the lender credit".<br>--Finding remains. Provide lock information sheet reflecting the pricing change.<br>02/18/2025 - "The file initial CD sent (date) was sent with Origination Credit of $xxx with $xxx of that amount being applied towards the Lender fee of $xxx On (date) there was a COC out to client addressing changes to the loan amount with Original Credit from $xxx to $xxx with $xxx still being applied towards Lender Fee."<br>--Finding remains. Lender to confirm what caused the lender comp credit to decrease from $xxx to $xxx.<br>02/07/2025 - Cure amount is $xxx, general lender credit decreased from $xxx to $xxx. | 02/21/2025 - Finding is cleared with the attached lock confirmation, rate decreased resulting in a pricing change (Lender Paid Origination Fee $xxx + General Lender Credit $xxx = $xxx). - 02/21/2025 - Finding is cleared with the attached lock confirmation, rate decreased resulting in a pricing change (Lender Paid Origination Fee $xxx + General Lender Credit $xxx = $xxx). | Funded C A |
| 900001490 | XXXX | 1096365 | 02/03/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI of 45.04% exceeds the max allowed of 45%. Borrowers do not qualify for 50% DTI due to not meeting the residual requirements. Lender approved DTI of 44.016% did not include the full PMI payment of $xxx per the escrow analysis. Per the 1008 lender included the following for the subject PITIA: 1st P&I $xxx, 2nd P&I $xxx, HOI $xxx, Taxes $xxx, HOA $xxx, Other $xxx. Total $xxx. Review PITIA $xxx. |  | Verified credit history - Primary wage earner fico is 754 w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 68.13% LTV/CLTV w/a max allowed of 85%.; |  | Client: EV2/B Investor acknowledged Exception | Funded C B |
| 900001519 | XXXX | 1096361 | 02/03/2025 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Missing initial application for B2. | 03/05/2025 | Verified housing payment history - 99+ months of verified house payment history paid 0x30 per CBR since xx/xxxx.; Verified employment history - B1 has been employed for xx years with (employer) as (occupation).; | 02/24/2025 - Per NAF: "The B2 was added xx/xx, after the initial application as sent on the 1st therefore the initial 1003 was not completed. We did get one completed and signed by the borrower on xx/xx" (adding context from last upload)".<br>--Finding remains. Lender to provide signed attestation stating the same for the loan file, The B2 was added xx/xx, after the initial application as sent on the 1st therefore the initial 1003 was not completed. We did get one completed and signed by the borrower on xx/xx.<br>02/20/2025 - Recd post-consummation dated B2 signed 1003.<br>--Finding remains. Missing B2 signed initial 1003, App Date xx/xx/xx. | 03/05/2025 - Lender provided fully executed attestation addressing the addition of B2 post initial application date. Finding cleared. - 03/05/2025 - Lender provided fully executed attestation addressing the addition of B2 post initial application date. Finding cleared. | Funded C A |
| 900001495 | XXXX | 1096400 | 02/03/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified housing payment history - 40+ mths of mtg history verified 0x30.; Verified credit history - 764 fico w/a minimum requirement of 700.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001495 | XXXX | 1096408 | 02/03/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Borrowers on the second mortgage are not the same Borrower(s) on the first mortgage. Per guidelines exceptions to this will be considered on a case-by-case basis. |  | Verified housing payment history - 40+ mths of mtg history verified 0x30.; Verified credit history - 764 fico w/a minimum requirement of 700.; |  | Client: EV2/B Investor acknowledged exception for seller on file. | Funded C B |
| 900001495 | XXXX | 1096430 | 02/03/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing documentation to verify that the following deposits that exceed 50% of the qualifying income are business related: <br>1) Deposit (date) Wire $xxx<br>2) Deposit (date) $xxx<br>3) Deposit (date) $xxx<br>4) Deposit (date) $xxx<br>5) Deposit (date) $xxx<br>Review DTI with these deposits excluded and utilizing the 20% expense factor is 68.42%. | 02/13/2025 | Verified housing payment history - 40+ mths of mtg history verified 0x30.; Verified credit history - 764 fico w/a minimum requirement of 700.; | 02/11/2025 - Recd Check $xxx #xxx (date) issued by (business) - Memo (date); (PART 4).<br>--Finding is cleared with presentments provided 2/10.<br>02/10/2025 - All deposits (documentation) are attached: <br>4/3/24 wire for $xxx (wire attached) with invoices showing business related. <br>3/5 $6000 deposit is comprised of two checks $xxx and $xxx. <br>The $xxx deposit on (date) are comprised of 3 checks--$xxx, $xxx and $xxx. <br>$8000 check on (date) are comprised of a $xxx and $xxx checks. <br>The (date) $xxx deposit is comprised of a $xxx and $xxx checks. <br>Please see attached. --<br>Check $xxx #xxx (date) issued by (business) - Memo (date); (PART 4)<br>Check $xxx #xxx (date) issued by (business) - Memo (date); (PART 4)<br>Check $xxx #xxx (date) issued by (name) - Memo Light Material;(PART 3)<br>Underwriter Certification<br>Check $xxx#xxx (date) issued by (business) - Memo (date), and<br>Check $xxx #xxx (date) issued by (business) - Memo (date); (PART 5)<br>Check $xxx #xxx (date) issued by (business) - (date), and <br>Check $xxx #xxx (date) issued by (business) - (date); (PART 3)<br>Check $xxx #xxx (date) issued by (business) - (date), and<br>Check $xxx #xxx (date) issued by (business) - Memo (date); (PART 2)<br>Wire $xxx (date) originator (business), and<br>Invoice #xxx Bill to Discount LED Due (date) $xxx, and <br>Invoice #xxx Bill to Discount LED Due (date) $xxx, <br>(business) -$xxx; (PART 1))<br>-- Finding remains. Still missing source of deposit: Deposit (date) $xxx. Only $xxx sourced (Check $xxx #xxx (date) issued by (business) - Memo (date)).<br>| 02/11/2025 - Recd Check $xxx #xxx (date) issued by (business) - Memo (date); (PART 4).<br>--Finding is cleared with presentments provided xx/xx. - 02/11/2025 - Recd Check $xxx #xxx (date) issued by (business) - Memo (date); (PART 4).<br>--Finding is cleared with presentments provided xx/xx. | Funded C A |
| 900001495 | XXXX | 1096433 | 02/03/2025 | Credit | Income Calculation Discrepancy | CRED 0084 | 2 | Acknowledged | Lender utilized 12% expense factor per the (tax preparer) letter. Per guidelines the minimum expense factor for (tax preparer) (PTIN) Expense Ratio is 20%. <br>Review DTI using the 20% expense factor and excluding undocumented deposits is 68.42%. (See breakdown of excluded deposits CRED 0082 - Income Documentation is Insufficient) |  | Verified housing payment history - 40+ mths of mtg history verified 0x30.; Verified credit history - 764 fico w/a minimum requirement of 700.; | 02/13/2025 - EV2/B - Review DTI 41.06% with sourced deposits included (Refer CRED 0082) using the 20% expense factor required, variance of 3% is non-material from the approved DTI of 44.06% (Max 45%).<br>02/06/2025 - "Hello, (lender) disagrees with the finding. 12 months business accounts were utilized. 12% used. A minimum of 10%is required per guidelines. Please accept. thank you."<br>--Finding remains. Lender to confirm which guideline the loan was underwritten. Review used guideline, (investor) Closed End Second Lien Guidelines_V2.3_Effective (date). Per guidelines, (tax preparer) Expense Ratio, Minimum 20%. | Mitigated Risk: 02/13/2025 - EV2/B - Review DTI 41.06% with sourced deposits included (Refer CRED 0082) using the 20% expense factor required, variance of 3% is non-material from the approved DTI of 44.06% (Max 45%). | Funded C B |
| 900001495 | XXXX | 1096449 | 02/03/2025 | Credit | Questionable continuation of income | CRED 0045 | 2 | Acknowledged | Bank statement analysis reflects a declining income trend from (date range) that was not addressed. |  | Verified housing payment history - 40+ mths of mtg history verified 0x30.; Verified credit history - 764 fico w/a minimum requirement of 700.; | 02/13/25 Updated 1008 and LOE from the borrower received. Borrower LOE is (date). Per LOE sales tend to be front loaded at the beginning of the year and less towards the end of the year as most contracts start at the end of the fiscal/calendar year. | EV2/B for documentation obtained post consummation. 02/13/25 Updated 1008 and LOE from the borrower received. Borrower LOE is dated xx/xx/xx. Per LOE sales tend to be front loaded at the beginning of the year and less towards the end of the year as most contracts start at the end of the fiscal/calendar year. - Mitigated Risk: EV2/B for documentation obtained post consummation. 02/13/25 Updated 1008 and LOE from the borrower received. Borrower LOE is dated xx/xx/xx. Per LOE sales tend to be front loaded at the beginning of the year and less towards the end of the year as most contracts start at the end of the fiscal/calendar year. <br>EV2/B for documentation obtained post consummation. 02/13/25 Updated 1008 and LOE from the borrower received. Borrower LOE is dated xx/xx/xx. Per LOE sales tend to be front loaded at the beginning of the year and less towards the end of the year as most contracts start at the end of the fiscal/calendar year. | Funded C B |
| 900001495 | XXXX | 1096450 | 02/03/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 2 | Acknowledged | Missing a signed written business narrative that includes the following: Description of business operation, Primary products and or services<br>o Who is the customer base, Number of full-time employees, Any other information that would help determine eligible deposits.<br>NOTE: Pricing adjustment for loan documentation in file, however, it does not reference what documentation. |  | Verified housing payment history - 40+ mths of mtg history verified 0x30.; Verified credit history - 764 fico w/a minimum requirement of 700.; | 02/06/2025 -"(lender) disagrees with the finding. There are 2 options noted when 12 months bank statements are utilized. Option 1--12 month bank statements were utilized so a business expense letter was furnished reflecting 12%. Option 2 is for a fixed expense ratio 50%. Option 2 was not utilized, so a business narrative is not required. Option 1 an expense letter is needed for the loan. WE have the expense letter. Thank you."<br>--Finding remains. Lender to confirm which guideline the loan was underwritten. Review used guideline, (investor) Closed End Second Lien Guidelines_V2.3_Effective (date). Per guidelines, Alt Doc Bank Statements_General Criteria: Provide a signed written business narrative. | Client: EV2/B Investor Acknowledged Exception. | Funded C B |
| 900001473 | XXXX | 1096387 | 02/03/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing underwriting decision/loan approval. | 02/06/2025 | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified credit history - Middle credit score 727 with no history of delinquency reported in thge past 24 months. Minimum credit score requried 680.; Verified employment history - VOE confirms 12+ months employment with present employer.; Low LTV/CLTV/HCLTV - 59.30% CLTV < 85% Max Allowed.; | 02/05/2025 - Recd underwriting decision. | 02/05/2025 - Recd underwriting decision. - 02/05/2025 - Recd underwriting decision. | Funded D A |
| 900001473 | XXXX | 1096390 | 02/03/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final (date) does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified credit history - Middle credit score 727 with no history of delinquency reported in thge past 24 months. Minimum credit score requried 680.; Verified employment history - VOE confirms 12+ months employment with present employer.; Low LTV/CLTV/HCLTV - 59.30% CLTV < 85% Max Allowed.; |  | Client: EV2/B Non-Material. | Funded C B |
| 900001473 | XXXX | 1096572 | 02/04/2025 | Credit | Missing Divorce Decree and/or Separation Agreement | DD 0001 | 1 | Closed | Borrowers prior name indicates possible prior marriage / divorce. Missing divorce decree or confirmation from the borrower of no prior marriages. Name variation should be addressed. | 02/13/2025 | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified credit history - Middle credit score 727 with no history of delinquency reported in thge past 24 months. Minimum credit score requried 680.; Verified employment history - VOE confirms 12+ months employment with present employer.; Low LTV/CLTV/HCLTV - 59.30% CLTV < 85% Max Allowed.; | 02/11/2025 - Borrower is on title as widow. Review confirmed current last name matches to the deceased spouse, thus indicating that the other last name would be the borrowers maiden name. | 02/11/2025 - Borrower is on title as widow. Review confirmed current last name matches to the deceased spouse, thus indicating that the other last name would be the borrowers maiden name. - 02/11/2025 - Borrower is on title as widow. Review confirmed current last name matches to the deceased spouse, thus indicating that the other last name would be the borrowers maiden name. | Funded C A |
| 900001473 | XXXX | 1096573 | 02/04/2025 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Appraiser noted discrepancy in GLA due to an addition, however, it is not clear if the area was permitted. Appraiser comments, Homeowner believed this area was permitted, however, I have been able to obtain permits from county. However, all work completed in a workmanlike manner, conforms to the property, is connected to HVAC, and has continuous flow, therefore, it has been included in total GLA. | 02/13/2025 | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified credit history - Middle credit score 727 with no history of delinquency reported in thge past 24 months. Minimum credit score requried 680.; Verified employment history - VOE confirms 12+ months employment with present employer.; Low LTV/CLTV/HCLTV - 59.30% CLTV < 85% Max Allowed.; | 02/11/2025 - Recd updated appraisal confirming no permits were obtained.<br>02/05/2025 - Attached snippet from guideline does not belong to program guideline.<br>--Finding remains. Appraiser comments are unclear if permits for the addition were obtained. Missing confirmation from the appraiser if the permit was obtained, or not. | 02/11/2025 - Recd updated appraisal confirming no permits were obtained. - 02/11/2025 - Recd updated appraisal confirming no permits were obtained. | Funded C A |
| 900001451 | XXXX | 1096485 | 02/04/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing COC for decrease in General Credits on CD (date). Rate decreased from prior CD. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Closing Disclosure sent on (date), ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). | 02/10/2025 | Net tangible benefit - Debt consolidation saving borrower $xxx per month plus borrower receiving cash in hand of $xxx. ; Verified credit history - 731 qualifying credit score, minimum required of 680. No derogatory credit. ; | 02/07/2025 - Recd COC, rate decreased and lock extended. | 02/07/2025 - Recd COC, rate decreased and lock extended. - 02/07/2025 - Recd COC, rate decreased and lock extended. | Approved C |
| 900001460 | XXXX | 1096590 | 02/04/2025 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 2 | Acknowledged | VOE for B1 on current employment is (date) with note date of (date) - not within 10 days prior. |  | Low LTV/CLTV/HCLTV - 68% CLTV < 85% Max Allowed.; Verified credit history - 760/758 middle credit scores > 680 Minimum Required.; | 02/07/2025 - Recd post-consummation VVOE for B1 present employer, which is in support of the pre-consummation dated VOE in file that was dated outside of 10 days prior to the note date.<br>02/05/2025 - Attached VVOEs are for B1 prior employment and B2 employer.<br>--Finding remains. Missing B1 VVOE for current employer completed within 10 days prior to the Note date. | Client: 02/07/2025 - Recd post-consummation VVOE for B1 present employer, which is in support of the pre-consummation dated VOE in file that was dated outside of 10 days prior to the note date. | Funded C B |
| 900001496 | XXXX | 1096511 | 02/04/2025 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | LE data in Calculating Cash to Close table of Initial CD issued (date) and Final CD issued (date) does not match last LE in file issued (date). File may be missing an interim LE. | 02/10/2025 | Verified employment history - B1 VOE confirms xxx years employment with present employer. B2 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 700/755 with no history of delinquency reported in the past 24 months. Minimum credit score required 680.; | 02/06/2025 - Recd re-disclosed LE. | 02/06/2025 - Recd re-disclosed LE. - 02/06/2025 - Recd re-disclosed LE. | Funded C A |
| 900001496 | XXXX | 1096611 | 02/04/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing B2 average hours worked per week to calculate the base income. Only two paystub provided for xxxx covering two week period. Work# does not reflect # of hours. Average hours in xxxx/xxxx 11.75 - 11.8 increased to 30.95-40 in xxxx.<br>Per FNMA - Hourly Pay: (Hourly gross pay x average # of hours worked per week x 52 weeks) / 12 months<br>All of the above calculations must be compared with the documented year-to-date base earnings (and past year earnings, if applicable) to determine if the income amount appears to be consistent. See B3-3.1-01, General Income Information, for additional information about variable income (bonus and overtime).<br>| 02/20/2025 | Verified employment history - B1 VOE confirms xxx years employment with present employer. B2 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 700/755 with no history of delinquency reported in the past 24 months. Minimum credit score required 680.; | 02/10/2025 - Exception re-reviewed. B2 paystubs reflects year end hours worked for (years) and the YTD hours on the paystub for (year) - Hours did increase, as did the hourly rate. Review used most conservative approach of the average of two previous years income. <br>| 02/20/2025 - Exception re-reviewed. B2 paystubs reflects year end hours worked for (years) and the YTD hours on the paystub for (year) - Hours did increase, as did the hourly rate. Review used most conservative approach of the average of two previous years income. - 02/20/2025 - Exception re-reviewed. B2 paystubs reflects year end hours worked for (years) and the YTD hours on the paystub for (year) - Hours did increase, as did the hourly rate. Review used most conservative approach of the average of two previous years income. | Funded C A |
| 900001496 | XXXX | 1096618 | 02/04/2025 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Evidence of insurance reflects first lien as second mortgage (lender loan number) and second lien as first mortgagee (lender loan number). | 02/17/2025 | Verified employment history - B1 VOE confirms xxx years employment with present employer. B2 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 700/755 with no history of delinquency reported in the past 24 months. Minimum credit score required 680.; | 02/10/2025 - Recd updated evidence of insurance reflecting the correct mortgagees and lien positions. | 02/10/2025 - Recd updated evidence of insurance reflecting the correct mortgagees and lien positions. - 02/10/2025 - Recd updated evidence of insurance reflecting the correct mortgagees and lien positions. | Funded C A |
| 900001496 | XXXX | 1096620 | 02/04/2025 | Credit | Missing Employment doc (VOE) | CRED 0007 | 1 | Closed | B1 VOE income > W2 wages. Missing explanation. <br>W2 (year) $xxx / VOE $xxx<br>W2 (year) $xxx / VOE $xxx | 02/25/2025 | Verified employment history - B1 VOE confirms xxx years employment with present employer. B2 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 700/755 with no history of delinquency reported in the past 24 months. Minimum credit score required 680.; | 02/21/2025 - Recd response from employer, Have you tried adding box 1,14 and 12a on his W2?<br>-- <br>W2 Line 1 $xxx + Line 14 $xxx + Line 12A $xxx = $xxx.<br>VOE Wages $xxx, difference is $xxx<br>Income trend is increasing year over year. Review us unable to reconcile difference, thus applied -$xxx deduction to qualifying income ($xxx/12 = $xxx) as most conservative approach. DTI 44.94% < 45% with additional deduction applied.<br>02/19/2025 - Please see year-end paystub supports VOE and w2.<br>--Finding remains. (year) W2 State Wages of $xxx / VOE Wages $172,878.24, difference is $xxx. Paystub ending (date) was paid (date), so (year) YE earnings are not reflected to verify. <br>(year) W2 State Wages $xxx / VOE Wages $xxx, difference is Box 14 MedDed $xxx , thus no explanation required. (year) YE paystub total gross matches to the VOE.<br>02/07/2025 - Recd the same employment/income documentation presented in the original loan file.<br>--Finding remains. Missing response from employer as to why the income on the WVOE > wages reported on the W2s.<br>W2 (year) $xxx < WVOE $xxx<br>W2 (year) $xxx < WVOE $xxx<br>02/05/2025 - Missing explanation from employer addressing the difference in wages between WVOE / W2s.<br>| 02/21/2025 - Recd response from employer, Have you tried adding box 1,14 and 12a on his W2?<br>-- <br>W2 Line 1 $xxx + Line 14 $xxx + Line 12A $xxx = $xxx.<br>VOE Wages $xxx, difference is $xxx<br>Income trend is increasing year over year. Review us unable to reconcile difference, thus applied -$xxx deduction to qualifying income ($xxx/12 = $xxx) as most conservative approach. DTI 44.94% < 45% with additional deduction applied. - 02/21/2025 - Recd response from employer, Have you tried adding box 1,14 and 12a on his W2?<br>-- <br>W2 Line 1 $xxx + Line 14 $xxx + Line 12A $xxx = $xxx.<br>VOE Wages $xxx, difference is $xxx<br>Income trend is increasing year over year. Review us unable to reconcile difference, thus applied -$xxx deduction to qualifying income ($xxx/12 = $xxx) as most conservative approach. DTI 44.94% < 45% with additional deduction applied. | Funded C A |
| 900001493 | XXXX | 1096728 | 02/05/2025 | Credit | APN Number is not listed on Security Instrument | COLL 0001 | 1 | Closed | TX Home Equity Security Document is missing Exhibit A with the legal description. | 02/17/2025 | Verified employment history - Borrower 1 has been on current job xxx years on job. Borrower 2 has been on current job xxx years.; Verified housing payment history - Borrowers have verified housing history of 0x30x45 which exceeds minimum 0x30x24 required by guidelines.; | 02/10/2025 - TPR reported in error. | 02/10/2025 - TPR reported in error. - 02/10/2025 - TPR reported in error. | Funded C A |
| 900001493 | XXXX | 1096729 | 02/05/2025 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 2 | Acknowledged | B2 initial application not in file. File has 1003 dated (date), but not the initial. |  | Verified employment history - Borrower 1 has been on current job xxx years on job. Borrower 2 has been on current job xxx years.; Verified housing payment history - Borrowers have verified housing history of 0x30x45 which exceeds minimum 0x30x24 required by guidelines.; | 02/26/2025 - Finding is downgraded to EV2/B with the post-consummation dated LO signed 1003.<br>02/25/2025 - Recd B1 signed initial 1003.<br>--Finding remains. Missing B2 signed initial 1003. | Mitigated Risk: 02/26/2025 - Finding is downgraded to EV2/B with the post-consummation dated LO signed 1003. | Funded C B |
| 900001493 | XXXX | 1096752 | 02/05/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 2 | Acknowledged | Missing COC for CD (date) reducing lender paid credits from $1103 to lender paid fees of $xxx. Decrease was likely due to the rate lock extension fee due to rate lock expiring (date). -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Loan Estimate sent on (date), ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). |  | Verified employment history - Borrower 1 has been on current job xxx years on job. Borrower 2 has been on current job xxx years.; Verified housing payment history - Borrowers have verified housing history of 0x30x45 which exceeds minimum 0x30x24 required by guidelines.; | 02/20/2025 - EV2/B Recd PCCD, cover letter, refund check to borrower $xxx, and courier receipt to evidence cure package is in transit to borrower within 60 days of consummation.<br>02/12/2025 - Attached COC is insufficient to satisfy the exception.<br>--Finding remains. General lender credit decreased from $xxx on the LE to $xxx on the initial CD, difference is $xxx. Missing reason for the decrease to general lender credit. | Client: 02/20/2025 - EV2/B Recd PCCD, cover letter, refund check to borrower $xxx, and courier receipt to evidence cure package is in transit to borrower within 60 days of consummation. | Funded C B |
| 900001493 | XXXX | 1096833 | 02/06/2025 | Credit | Property Type is prohibited | PROP 0002 | 1 | Closed | Rural property requires prior approval. File does not contain property approval.<br>| 02/14/2025 | Verified employment history - Borrower 1 has been on current job xxx years on job. Borrower 2 has been on current job xxx years.; Verified housing payment history - Borrowers have verified housing history of 0x30x45 which exceeds minimum 0x30x24 required by guidelines.; | 02/12/25 Recd from lender: the appraisal is marked suburban.<br>The appraisal is marked suburban however, the zoning is xxx. Appraiser notes that the subject is in a residential community outside the city limits. It is observed from the appraisal photos that the subject is in a xxx and photos indicate a xxx setting with visible neighbors on each side. xxx setting also validated the the street view photos. | 02/12/25 Cleared, agree with lender response. The appraisal is marked suburban however, the zoning is xxx. While the comps provided are outside the general 1-2 mile range the property does appear xxx in nature. Appraiser notes that the subject is in a residential community outside the city limits. It is observed from the appraisal photos that the subject is in a xxx and photos indicate a xxx setting with visible neighbors on each side. Suburban setting also validated the the street view photos. - 02/12/25 Cleared, agree with lender response. The appraisal is marked suburban however, the zoning is xxx. While the comps provided are outside the general 1-2 mile range the property does appear xxx in nature. Appraiser notes that the subject is in a residential community outside the city limits. It is observed from the appraisal photos that the subject is in a xxx and photos indicate a xxx setting with visible neighbors on each side. Suburban setting also validated the the street view photos. | Funded C A |
| 900001493 | XXXX | 1096878 | 02/06/2025 | Credit | CLTV Exceeds Max Allowed | CRED 0012 | 1 | Closed | 80% CLTV > 75% Max Allowed for rural property. (Max 85% - 10% Reduction). | 02/14/2025 | Verified employment history - Borrower 1 has been on current job xxx years on job. Borrower 2 has been on current job xxx years.; Verified housing payment history - Borrowers have verified housing history of 0x30x45 which exceeds minimum 0x30x24 required by guidelines.; |  | 02/15/25 The appraisal is marked suburban however, the zoning is rural. While the comps provided are outside the general 1-2 mile range the property does appear suburban in nature. Appraiser notes that the subject is in a residential community outside the city limits. It is observed from the appraisal photos that the subject is in a PUD and photos indicate a suburban setting with visible neighbors on each side. Suburban setting also validated the the street view photos. - 02/15/25 The appraisal is marked suburban however, the zoning is rural. While the comps provided are outside the general 1-2 mile range the property does appear suburban in nature. Appraiser notes that the subject is in a residential community outside the city limits. It is observed from the appraisal photos that the subject is in a PUD and photos indicate a suburban setting with visible neighbors on each side. Suburban setting also validated the the street view photos. | Funded C A |
| 900001508 | XXXX | 1096766 | 02/05/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing verification of hazard insurance for REO at (address). Payment taken from Credit Report. Provide documentation that loan is escrowed or provide documentation of insurance expenses. | 02/14/2025 | Verified credit history - 758 Credit score exceeds minimum 700 per guidelines.; Verified employment history - Borrower has owned current business xxx years.; |  | 02/14/25 Copy of mortgage statement received confirming taxes and insurance are escrowed. Payment on statement matches report amount on CBR. - 02/14/25 Copy of mortgage statement received confirming taxes and insurance are escrowed. Payment on statement matches report amount on CBR. | Funded C A |
| 900001508 | XXXX | 1097005 | 02/07/2025 | Credit | Condo Documentation is Insufficient | COND 0002 | 2 | Acknowledged | Missing required xxxx questionnaire. File does have an email chain, confirming it is required but it is not in the file. |  | Verified credit history - 758 Credit score exceeds minimum 700 per guidelines.; Verified employment history - Borrower has owned current business xxx years.; |  | Client: EV2/B Investor Acknowledged Exception in file to accept (agency xxxx approval) without xxxx questionnaire. | Funded C B |
| 900001508 | XXXX | 1097006 | 02/07/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing required business narrative with a description of the business as required per guidelines. |  | Verified credit history - 758 Credit score exceeds minimum 700 per guidelines.; Verified employment history - Borrower has owned current business xxx years.; | 02/14/25 Response received from lender: Please see certification. Option 1 was utilized so a business narrative is not required. thank you.<br>\*\* Finding remains, Business Narrative is required. Please see Income section for Alt-Doc- Bank Statements (Personal and Business) General Criteria Bullet Point 2 of guideline. General Criteria:<br>• Provide a signed written business narrative. Must include:<br>Description of business operation, Primary products and or services, Who is the customer base, Number of full-time employees, Any other information that would help determine eligible deposits. | Client: EV2/B Investor Acknowledged Exception | Funded C B |
| 900001450 | XXXX | 1096956 | 02/06/2025 | Compliance | File Documentation is Incomplete (Compliance) | COMP 0047 | 1 | Closed | Review is unable to confirm the property type, thus unable to determine in all the required documentation is in file.<br>Title commitment reflects property type: xxxx (xxxx).<br>AVM property type: xxxx.<br>Property report type: xxxx.<br>Deed of Trust contains a xxxx Rider. | 02/21/2025 | Low LTV/CLTV/HCLTV - Low LTV of 53.09%.; Verified reserves - 39 months of verified reserves when none are required per guidelines.; | 02/19/2025 - Although zoning and property classifications may show the subject property as a xxxx, this is not a<br>xxxx project as there are no other features that are present with true xxxxprojects. The property taxes include land value, which is not indicative of condo projects since true condo ownership does not include any land. The (county), (state) Tax Assessor records show this as a xxxx with a class of R3 – Residential 1 family property. It further supports there is land value included as part of the assessment/appraised values of this property. The (year) annual assessment notice shows the property description as xxxx. Every owner is required to obtain their own hazard insurance policy and not just an H06 policy to cover contents because there is a master/blanket condo insurance policy present. All of this supports the project is a xxxx with an HOA and not a xxxx project and therefore this loan was closed correctly identifying this as a xxx. The DOT for the current first mortgage shows a xxxx Rider, not a xxxx Rider was attached. We are respectfully asking for this finding to be cleared based on this information. <br>--Agree, HO3 policy insures the subject property, title reflects xxxx specifying (xxxx), and first lien includes a xxxx Rider. | 02/19/2025 - Although zoning and property classifications may show the subject property as a xxxx, this is not a<br>xxxx project as there are no other features that are present with true xxxx projects. The property taxes include land value, which is not indicative of condo projects since true condo ownership does not include any land. The (county), (state) Tax Assessor records show this as a xxxx with a class of R3 – Residential 1 family property. It further supports there is land value included as part of the assessment/appraised values of this property. The (year) annual assessment notice shows the property description as xxxx. Every owner is required to obtain their own hazard insurance policy and not just an H06 policy to cover contents because there is a master/blanket xxxx insurance policy present. All of this supports the project is a xxxx with an HOA and not a xxxx project and therefore this loan was closed correctly identifying this as a xxxx. The DOT for the current first mortgage shows a xxxx Rider, not a xxxx Rider was attached. We are respectfully asking for this finding to be cleared based on this information. <br>--Agree, HO3 policy insures the subject property, title reflects xxxx specifying (xxxx), and first lien includes a xxxx Rider. - 02/19/2025 - Although zoning and property classifications may show the subject property as a xxxx, this is not a<br>xxxx project as there are no other features that are present with true xxxx projects. The property taxes include land value, which is not indicative of condo projects since true condo ownership does not include any land. The (county), (state) Tax Assessor records show this as a xxxx with a class of R3 – Residential 1 family property. It further supports there is land value included as part of the assessment/appraised values of this property. The (year) annual assessment notice shows the property description as xxxx. Every owner is required to obtain their own hazard insurance policy and not just an H06 policy to cover contents because there is a master/blanket xxxx insurance policy present. All of this supports the project is a xxxx with an HOA and not a xxxx project and therefore this loan was closed correctly identifying this as a xxxx. The DOT for the current first mortgage shows a xxxx Rider, not a xxxx Rider was attached. We are respectfully asking for this finding to be cleared based on this information. <br>--Agree, HO3 policy insures the subject property, title reflects xxxx specifying (xxxx), and first lien includes a xxxx Rider. | Funded C A |
| 900001494 | XXXX | 1096837 | 02/06/2025 | Compliance | NMLS is missing as required 1026.36(g) | COMP 0041 | 1 | Closed | Mortgage is missing page 8 of 8 which includes NMLS information. | 02/14/2025 | Low LTV/CLTV/HCLTV - 56.97% CLTV is below 75% maximum per guidelines.; Verified credit history - 795 Credit score exceeds minimum 720 required per guidelines.; |  | 02/14/25 Complete copy of Mtg/DOT received with NMLS. - 02/14/25 Complete copy of Mtg/DOT received with NMLS. | Funded C A |
| 900001494 | XXXX | 1096846 | 02/06/2025 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 2 | Acknowledged | Initial Application is not executed by B1. |  | Low LTV/CLTV/HCLTV - 56.97% CLTV is below 75% maximum per guidelines.; Verified credit history - 795 Credit score exceeds minimum 720 required per guidelines.; | 02/20/2025 - Initial applications are not required to be signed by the borrower on non-government transactions; only the loan officer. The final is signed by the borrower. Please remove this condition. This program is to follow Fannie and there no such requirement for the initial application. Please provide where this is required. Thank you.<br>--Finding downgraded to EV2/B with the LO signed initial 1003.<br>02/14/25 Duplicate copy of final 1003 executed (date) received.<br>\*\* Finding remains, missing B1 executed initial 1003. | Mitigated Risk: Finding downgraded to EV2/B with the LO signed initial 1003. | Funded C B |
| 900001494 | XXXX | 1096849 | 02/06/2025 | Compliance | Incomplete Change of Circumstance | COMP 0020 | 1 | Closed | COC for LE issued (date) states loan parameters and pricing changed. No terms of the loan have changed, COC does not specify information which validates pricing change. Loan Discount Fee added and removed general credit.<br>COC for LE issued (date) states loan parameters and pricing changed. No terms of the loan have changed, COC does not specify information which validates pricing change. Loan Discount Fee increased. | 02/19/2025 | Low LTV/CLTV/HCLTV - 56.97% CLTV is below 75% maximum per guidelines.; Verified credit history - 795 Credit score exceeds minimum 720 required per guidelines.; | 02/14/2025 - Recd lock information to evidence that the pricing changes were due to DTI and Guideline exceptions. | 02/14/2025 - Recd lock information to evidence that the pricing changes were due to DTI and Guideline exceptions. - 02/14/2025 - Recd lock information to evidence that the pricing changes were due to DTI and Guideline exceptions. | Funded C A |
| 900001494 | XXXX | 1097047 | 02/07/2025 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing B2 verification of self-employment that confirms self-employment start date. | 02/14/2025 | Low LTV/CLTV/HCLTV - 56.97% CLTV is below 75% maximum per guidelines.; Verified credit history - 795 Credit score exceeds minimum 720 required per guidelines.; | 02/14/25 Recd from lender: The file contains 2 years of personal tax returns to support the two year SE history of the co borrower. There is not a requirement to document when the SE started. There is only a condition for a Verbal VOE to be completed within 10 days:<br>\*\* Agree with lender response. File contain a VVOE for B2 (date) at which time the lender verified the business to be active the the tax preparer who completed the (form) returns for the borrowers for (years). | 02/14/25 TPR error, File contain a VVOE for B2 (date) at which time the lender verified the business to be active with the the tax preparer who completed the (form) returns for the borrowers for (years). - 02/14/25 TPR error, File contain a VVOE for B2 (date) at which time the lender verified the business to be active with the the tax preparer who completed the (form) returns for the borrowers for (years). | Funded C A |
| 900001494 | XXXX | 1097085 | 02/07/2025 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Property type is considered unique due to xxx location. The comps are not bracketed. Approved exception on page xxx. |  | Low LTV/CLTV/HCLTV - 56.97% CLTV is below 75% maximum per guidelines.; Verified credit history - 795 Credit score exceeds minimum 720 required per guidelines.; |  | Client: EV2/B Investor Acknowledged Exception in file. | Funded C B |
| 900001466 | XXXX | 1096909 | 02/06/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for increase in Recording Fee on LE (date). -- The total amount of Closing Disclosure 10% Category fees ($xxx) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xx/xx/xx, ($xxx). The total amount of fees in this category cannot exceed ($xxx) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). |  | Low LTV/CLTV/HCLTV - Low LTV of 43.218%.; Verified reserves - 8 months of verified reserves when guideline required none based on OCLTV.; | 02/12/2025 - EV2/B Recd PCCD, refund check $xxx, cover letter, and courier tracking receipt to evidence cure package is in transit to borrower within 60 days of consummation. | Client: 02/12/2025 - EV2/B Recd PCCD, refund check $xxx, cover letter, and courier tracking receipt to evidence cure package is in transit to borrower within 60 days of consummation. | Funded C B |
| 900001471 | XXXX | 1096991 | 02/07/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Fraud score 368 Critical Risk. Missing rescored fraud report with all fraud findings satisfactorily addressed. | 02/14/2025 | Verified reserves - 55 months of verified reserves when guidelines required 2 months.; Verified employment history - B1 has been employed for xx years with (Employer) as an (occupation).; |  | 02/14/25 Updated and rescored Fraudguard received. All items sufficiently addressed. - 02/14/25 Updated and rescored Fraudguard received. All items sufficiently addressed. | Funded C A |
| 900001474 | XXXX | 1096873 | 02/06/2025 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Title is not willing to divest the interest of the following party(s):<br>(borrower and name), Husband and Wife as Community Property.<br>Title Exception:<br>9. Deed transferring title from (borrower and name) to (borrower). | 02/21/2025 | Verified reserves - 35 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with (employer) as (position) for xxx years.; Low DTI - DTI 24.57% < 45% Max Allowed.; | 02/19/2025 - Recd final title policy with exception removed.<br>02/11/2025 - Recd interspousal transfer deed.<br>--Finding remains. Provide final title policy or confirmation from the title agent that exception 9 has been deleted. | 02/19/2025 - Recd final title policy with exception removed. - 02/19/2025 - Recd final title policy with exception removed. | Funded C A |
| 900001474 | XXXX | 1096880 | 02/06/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR decreased > 0.125% within 3 days of closing.<br>CD (date) APR 8.758%<br>CD (date) APR 8.506%<br>Difference 0.252% with closing (date).<br>|  | Verified reserves - 35 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with (employer) as (position) for xxx years.; Low DTI - DTI 24.57% < 45% Max Allowed.; |  | Client: EV2/B Non-Material, decrease to APR is deemed to be a benefit to borrower. | Funded C B |
| 900001477 | XXXX | 1096816 | 02/06/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing underwriting decision/loan approval. | 02/17/2025 | Verified employment history - B1 VOE confirms xxx years with present employer. B2 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 39 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 736/731 with no history of delinquency reported in the past 24 months. Minimum credit score required for DTI up to 50%.; | 02/14/2025 - Recd underwriting conditional approval.<br>02/12/25 Conditional Commitment letter to the borrower received.<br>\*\* Finding remains, missing lender internal loan approval. | 02/14/2025 - Recd underwriting conditional approval. - 02/14/2025 - Recd underwriting conditional approval. | Funded D A |
| 900001477 | XXXX | 1097166 | 02/10/2025 | Compliance | Right of Recission Is Not on Correct Form | ROR 0011 | 2 | Acknowledged | Lender to Lender Refinance was completed on H8 form vs required H9 for the state of CA. |  | Verified employment history - B1 VOE confirms xxx years with present employer. B2 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 39 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 736/731 with no history of delinquency reported in the past 24 months. Minimum credit score required for DTI up to 50%.; | EV2/B Recd ROR (New Rescission Period Expiry Date) and cover letter with courier receipt to evidence delivery to borrower (date). ROR expiration date has passed with no evidence transaction was rescinded. <br>02/14/2025 - Recd cover letter addressed to borrower.<br>--Finding remains. Missing H9 form with new 3 day rescission period. In lieu of borrower signed form, evidence of trackable delivery to borrower can be provided. | Client: Posted 02/18/2025 - EV2/B Recd ROR (New Rescission Period Expiry Date) and cover letter with courier receipt to evidence delivery to borrower (date). ROR expiration date has passed with no evidence transaction was rescinded. | Funded C B |
| 900001477 | XXXX | 1097191 | 02/10/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | High risk fraud finding not addressed, potential loan churning within past 16 month. No information provided for (loan number). <br>Missing SAM search on B1. | 02/19/2025 | Verified employment history - B1 VOE confirms xxx years with present employer. B2 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 39 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 736/731 with no history of delinquency reported in the past 24 months. Minimum credit score required for DTI up to 50%.; | 02/18/2025 - Cleared comments confirm borrowers previous transaction was closed. Review confirmed watchlist search completed on credit report reflects no match. <br>02/17/2025 - Review confirmed watchlist search completed on credit report reflects no match. <br> --Finding remains. Missing letter of explanation addressing potential loan churning.<br>02/11/25 Recd from lender: Please see for name variations checked against SAM- including (name) and (name).<br>\*\* Finding remains, page referenced is the LPA list which reflects 2 GSA hits for (name), and 4 for (name). It is noted that the cleared comments reflect that on (date) (name) on watch list is in FL, our borrower is in CA. Not a match. Please provide copy of search to verify cleared comments. | 02/18/2025 - Cleared comments confirm borrowers previous transaction was closed. Review confirmed watchlist search completed on credit report reflects no match. - 02/18/2025 - Cleared comments confirm borrowers previous transaction was closed. Review confirmed watchlist search completed on credit report reflects no match. | Funded C A |
| 900001525 | XXXX | 1096863 | 02/06/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Missing documentation used to calculate the disclosed property tax payment of $xxx.<br>Estimated Property Costs over Year 1 disclosed as $xxx. Calculated costs over year 1 $xxx, 11 months $xxx<br>Tax $xxx/12=$xxx<br>HOI $xxx/12=$xxx<br>HOA $xxx/12=$xxx<br>|  | Verified employment history - Both borrowers have been with their current employer xxx years.; Verified reserves - No reserves required. Borrowers are receiving 8.04 months PITIA or $xxx in cash out proceeds.; Verified credit history - FICO 762, minimum required 680; | 02/20/2025 - Recd property detail report to source disclosed property tax payment. <br>--Finding remains. PDR tax of $xxx is inaccurate. Per title commitment and mortgage billing statement, the annual tax is $xxx. The mortgage billing statement reflects County Tax Bill II disbursed $xxx. The inaccurate qualifying tax liability resulted in the property costs over year 1 to be under-disclosed. | Client: 03/05/2025 - PCCD provided disclosing corrected information with cover letter addressed to borrower. Finding updated to EV2/B. | Funded C B |
| 900001525 | XXXX | 1097170 | 02/10/2025 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Missing exterior property inspection (PCI) reflecting average condition or better, as required per guideline when using AVM for valuation. | 02/25/2025 | Verified employment history - Both borrowers have been with their current employer xxx years.; Verified reserves - No reserves required. Borrowers are receiving 8.04 months PITIA or $xxx in cash out proceeds.; Verified credit history - FICO 762, minimum required 680; | 02/20/2025 - Recd PCI, property condition is indicated to be in average condition. | 02/20/2025 - Recd PCI, property condition is indicated to be in average condition - 02/20/2025 - Recd PCI, property condition is indicated to be in average condition | Funded C A |
| 900001487 | XXXX | 1097143 | 02/07/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Review DTI 44.42% / Approved DT 40.36%, variance > 3% due to difference in liabilities. |  | Verified housing payment history - 95 months of verified mortgage history paid 0x30 since xx/xxxx.; Verified employment history - B1 has been employed for xxx years with (employer) as (job title).; |  | Client: EV2/B Non-Material, Max allowed 45%. | Approved C B |
| 900001469 | XXXX | 1097153 | 02/10/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing billing statement for recurring charge on bank statements to ISA NW Mutual of $xxx/xxx monthly. | 02/14/2025 | Verified reserves - 57 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self employed owner for xxx years of (employer) per SOS.; |  | 02/14/25 Verification of debit being monthly insurance premiums received. - 02/14/25 Verification of debit being monthly insurance premiums received. | Funded C A |
| 900001476 | XXXX | 1097194 | 02/10/2025 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | AVM, PCI and FraudGuard property search do not disclose the number of bedrooms and bathrooms. 1 bed/1 bath used due to lack of information. | 02/14/2025 | Established credit history - Open credit dates back to xxxx with no reported lates.; Verified reserves - No reserves required. Borrowers are receiving 34.03 months PITIA or $xxx in cash out proceeds after deducting (creditor) balance.; | 02/11/25 Recd from lender: The requirement in their suspense is not in the guidelines. There is an AVM and everything that guides say need to be in the AVM is there. If room count were an issue it would be reflected in the confidence score. Please clear. Thank you!<br>\*\*Finding remains as these reviews are completed to securitization standards which requires this information. TPR has ordered a BPO which will provide the missing information and will update the loan upon receipt. | 02/14/25 BPO received confirming room counts. - 02/14/25 BPO received confirming room counts. | Funded C A |
| 900001461 | XXXX | 1097222 | 02/10/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Transcripts are not in file. Docs state the borrowers have them locked and the lender would need to request the borrower unlock them, but there is no evidence the lender made the request. | 02/14/2025 | Verified reserves - 37 months of verified reserves when guidelines required 2 months.; Verified employment history - B2 has been employed for xxx years with (employer) as (occupation) per WVOE.; |  | 02/14/26 TPR error. Email in file from (company) confirming transcripts are unavailable due to borrower lock. - 02/14/26 TPR error. Email in file from (company) confirming transcripts are unavailable due to borrower lock. | Funded C A |
| 900001531 | XXXX | 1097326 | 02/11/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing copy of government issued ID for B1. ID and Patriot Act form in file for B2 only. | 03/05/2025 | Verified housing payment history - Borrowers have verified 0x30x49 housing payment history which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 74.55% CLTV Is below 80% maximum per guidelines.; | 02/24/25 Duplicate copy of Patriot Act disclosure for B2 received.<br>\*\* Finding remains, Missing Patriot Act disclosure for B1. | 03/05/2025 - Executed Patriot Act disclosure for B1 provided. Finding cleared. - 03/05/2025 - Executed Patriot Act disclosure for B1 provided. Finding cleared. | Funded C A |
| 900001531 | XXXX | 1097334 | 02/11/2025 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Missing evidence the homeowners insurance policy includes replacement cost coverage. No replacement cost estimate in file. Dwelling coverage < Total of 1st + 2nd Liens. | 02/24/2025 | Verified housing payment history - Borrowers have verified 0x30x49 housing payment history which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 74.55% CLTV Is below 80% maximum per guidelines.; |  | 02/24/25 Email from insurance received confirming the policy provides 100% replacement cost. - 02/24/25 Email from insurance received confirming the policy provides 100% replacement cost. | Funded C A |
| 900001531 | XXXX | 1097366 | 02/12/2025 | Credit | Income Calculation Discrepancy | CRED 0084 | 1 | Closed | Discrepancy between Borrower 2 pay rate on pay stub vs 3rd party VOI to be addressed, hourly rate on pay stub is $xxx per pay stub, but indicated be $xxx on the 3rd party VOI. | 02/24/2025 | Verified housing payment history - Borrowers have verified 0x30x49 housing payment history which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 74.55% CLTV Is below 80% maximum per guidelines.; | 02/24/25 Explanation from lender received. Per Lender response The VOE indicating $xxx/hr is dated xx/xx/xx. The paystub indicating $xxx/hr is for pay period xx/xx– xx/xx/xx. The next period paystub confirming $xxx/hr with pay period xx/xx – xx/xx/xx.<br>We should assume there was a hourly rate increase that took place after receipt of the VOE. | 02/24/25 Cleared per lender response. - 02/24/25 Cleared per lender response. | Funded C A |
| 900001531 | XXXX | 1097369 | 02/12/2025 | Credit | Missing Copy of Quit Claim Deed | QCD 0001 | 1 | Closed | Missing copy of deed adding borrower 2 to title. | 03/05/2025 | Verified housing payment history - Borrowers have verified 0x30x49 housing payment history which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 74.55% CLTV Is below 80% maximum per guidelines.; | 02/24/25 Duplicate copy of the mortgage received. <br>\*\* Finding remains, missing copy of Warranty or quit claim deed adding B2 to title. | 03/05/2025 - Deed provided adding B2 to title. Finding cleared. - 03/05/2025 - Deed provided adding B2 to title. Finding cleared. | Funded C A |
| 900001500 | XXXX | 1097550 | 02/13/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing conditional loan approval/underwriter decision. | 02/21/2025 | Verified housing payment history - Credit report confirms 16 months satisfactory mortgage rating on subject property and 33 months on non-subject REO.; Verified credit history - Middle credit score 772 with no history of delinquency reported. Minimum credit score required 700.; | 02/19/2025 - Recd underwriting decision. | 02/19/2025 - Recd underwriting decision. - 02/19/2025 - Recd underwriting decision. | Funded C A |
| 900001500 | XXXX | 1097554 | 02/13/2025 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Schedule B #6 - Missing evidence of satisfaction of judgments or affidavit stating that (name) n/k/a (name) is not one and the same as judgement debtors names instruments recorded:<br>Instruments#:<br>xxxx<br>xxxx<br>Book:<br>23054 pg xxx<br>23064 pg xxx<br>23064 pg xxx<br>23054 pg xxx<br>| 02/21/2025 | Verified housing payment history - Credit report confirms 16 months satisfactory mortgage rating on subject property and 33 months on non-subject REO.; Verified credit history - Middle credit score 772 with no history of delinquency reported. Minimum credit score required 700.; | 02/19/2025 - Recd Not One and the Same Affidavit. | 02/19/2025 - Recd Not One and the Same Affidavit. - 02/19/2025 - Recd Not One and the Same Affidavit. | Funded C A |
| 900001500 | XXXX | 1097575 | 02/13/2025 | Credit | Missing Divorce Decree and/or Separation Agreement | DD 0001 | 1 | Closed | Missing divorce decree/settlement agreement to confirm borrower is not liable to pay alimony or child support. Restoration of maiden name provided. | 02/28/2025 | Verified housing payment history - Credit report confirms 16 months satisfactory mortgage rating on subject property and 33 months on non-subject REO.; Verified credit history - Middle credit score 772 with no history of delinquency reported. Minimum credit score required 700.; | 02/27/2025 - Recd Final Judgment of Dissolution of Marriage and Marital Settlement Agreement. | 02/27/2025 - Recd Final Judgment of Dissolution of Marriage and Marital Settlement Agreement. - 02/27/2025 - Recd Final Judgment of Dissolution of Marriage and Marital Settlement Agreement. | Funded C A |
| 900001500 | XXXX | 1097584 | 02/13/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 2 | Acknowledged | Conflict of Interest Identified - Borrower was qualified using self-employment income from (company), which is also the broker of the subject transaction. The individual loan originator, (name), is also 50% owner of the business. Broker compensation was paid at closing. Missing investor acknowledgement of the relationship between the borrower and broker.<br>|  | Verified housing payment history - Credit report confirms 16 months satisfactory mortgage rating on subject property and 33 months on non-subject REO.; Verified credit history - Middle credit score 772 with no history of delinquency reported. Minimum credit score required 700.; | 03/03/25 Email received from LRCP Please clear the below exception, LRP has approved this.<br>02/27/2025 - Attached LOE does not correspond with the finding.<br>--Finding remains. Missing investor acknowledgement of the relationship between the borrower and broker.<br>| Client: Investor Acknowledged Exception | Funded C B |
| 900001500 | XXXX | 1097588 | 02/13/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Missing credit inquiry letter:<br>(Creditor) xx/xx/xx | 02/28/2025 | Verified housing payment history - Credit report confirms 16 months satisfactory mortgage rating on subject property and 33 months on non-subject REO.; Verified credit history - Middle credit score 772 with no history of delinquency reported. Minimum credit score required 700.; | 02/24/2025 - Recd LOE and revolving tradeline billing statement. | 02/24/2025 - Recd LOE and revolving tradeline billing statement. - 02/24/2025 - Recd LOE and revolving tradeline billing statement. | Funded C A |
| 900001511 | XXXX | 1097523 | 02/13/2025 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed | Missing final title policy or a new subordination agreement to determine if subject lien is second or third position. Title commitment states paying off/satisfying existing 2nd lien with (credit union); releasing UCC and amending to add (solar). Subordination is for (solar) and is (date); though not signed by lender. | 02/21/2025 | Verified employment history - Borrower has been employed for xxx years with (employer) as (title).; Verified occupancy in subject property - Borrower has occupied subject property for xxx years.; | 02/20/2025 - Recd executed subordination agreement, solar lender unconditionally subordinates its lien to the lien on the title from subject transaction. | 02/20/2025 - Recd executed subordination agreement, solar lender unconditionally subordinates its lien to the lien on the title from subject transaction. - 02/20/2025 - Recd executed subordination agreement, solar lender unconditionally subordinates its lien to the lien on the title from subject transaction. | Funded C A |
| 900001497 | XXXX | 1097481 | 02/12/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | LE and all CD's have B2 middle initial as N. Borrower signed as M on final CD, esigned documents are esigned as middle initial N. |  | Verified employment history - Borrower 1 has been on current job 31.55 years.; Low DTI - 15.17% DTI is below 50% maximum per guidelines.; |  | Mitigated Risk: Non-material issue, informational. | Funded C B |
| 900001497 | XXXX | 1097484 | 02/12/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 1 | Closed | Lender credit of $15.00 is insufficient to cure variance caused by added 10 day extension fee of $130.00 on CD issued (date) | 02/20/2025 | Verified employment history - Borrower 1 has been on current job 31.55 years.; Low DTI - 15.17% DTI is below 50% maximum per guidelines.; |  | Recd COC, Rate lock extended 10 days resulting in a pricing change. - 02/20/2025 Recd COC, Rate lock extended 10 days resulting in a pricing change. | Funded C A |
| 900001497 | XXXX | 1097707 | 02/14/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing the lender's approval, only the unsigned 1008 is in the file. | 02/20/2025 | Verified employment history - Borrower 1 has been on current job 31.55 years.; Low DTI - 15.17% DTI is below 50% maximum per guidelines.; |  | 02/20/2025 Finding re-reviewed. The commitment letter signed and dated by the underwriter provides the terms of the conditional approval with expiration (date). 1008 and loan detail report in file to support. - 02/20/2025 Finding re-reviewed. The commitment letter signed and dated by the underwriter provides the terms of the conditional approval with expiration date 3/20/25. 1008 and loan detail report in file to support.<br>02/19/2025 Loan detail does not provide the date the loan was approved.<br>02/18/2025 Recd loan commitment.<br>--Finding remains. Missing lender loan approval/underwriting decision. | Funded C A |
| 900001497 | XXXX | 1097721 | 02/14/2025 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 1 | Closed | New debt with Foundation on credit supplement does not disclose the payment. The debt is not listed on any of the applications. Based on credit report, liabilities on the final 1003s, and Other Payments on the 1008, it appears the lender used $209.77 as the monthly payment. Missing verification of the monthly payment. | 02/25/2025 | Verified employment history - Borrower 1 has been on current job 31.55 years.; Low DTI - 15.17% DTI is below 50% maximum per guidelines.; |  | 02/25/2025 Posted response, I'm not sure where the $209.77 is. I cannot locate that on any docs. We did a worse case of using 84 months at 15%. Payment shows $63.81. DTI went from 15.2% - 15-6%. Uploaded revised 1003.<br>--Finding is cleared with posted response, attached payment calculator, and revised 1003. The addition of the liability does not materially change the qualifying DTI. - 02/25/2025 Posted response, I'm not sure where the $209.77 is. I cannot locate that on any docs. We did a worse case of using 84 months at 15%. Payment shows $63.81. DTI went from 15.2% - 15-6%. Uploaded revised 1003.<br>--Finding is cleared with posted response, attached payment calculator, and revised 1003. The addition of the liability does not materially change the qualifying DTI. | Funded C A |
| 900001529 | XXXX | 1097489 | 02/13/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated xx/xx/xx<br>does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xx per CBR.; Verified occupancy in subject property - Borrower has occupied the subject property for xxx years.; |  | 02/21/2025 EV2/B Recd PCCD and cover letter. No restitution required, thus US Mailbox Rule applied. | Funded C B |
| 900001529 | XXXX | 1097671 | 02/14/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | DTI 48.23% exceeds 45%, borrower's residual income of $xxx does not meet the $xxx requirement for DTI up to 50%. |  | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xx per CBR.; Verified occupancy in subject property - Borrower has occupied the subject property for xxx years.; |  | 02/28/2025 Exception can be downgraded to EV2/B upon receipt of investor approved exception for DTI 48.23% > 45% allowed.<br>02/27/2025 Missing investor approved exception for DTI 48.23% > 45% Max allowed. | Funded C B |
| 900001506 | XXXX | 1097561 | 02/13/2025 | Credit | Residency documentation is missing or incomplete | APP 0032 | 1 | Closed | Borrower is permanent resident alien per Application. Residency documentation is not in file. | 02/24/2025 | Verified housing payment history - 59 months of mortgage history paid 0x30 since xx/xxxx per CBR.; Verified occupancy in subject property - Borrower has owned and occupied the subject property for xxx years.; |  | 02/20/25 Front and back copy of borrower permanent resident card received. Expiration date xx/xxxx. - 02/20/25 Front and back copy of borrower permanent resident card received. Expiration date xx/xxxx. | Funded C A |
| 900001486 | XXXX | 1097548 | 02/13/2025 | Compliance | Initial Closing Disclosure Sent Method Not In Person and No Received Date | TRID 0009 | 1 | Closed | Missing evidence of delivery of initial CD (date). | 02/19/2025 | Verified housing payment history - 24 months mortgage history required, credit report reflects 111 months of mortgage payments paid satisfactorily.; Verified credit history - 736 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 68.98% CLTV w/a max allowed of 85% with Fico > 700.; | 02/18/2025 - Recd disclosure tracking to evidence delivery to borrower of the initial CD on the issuance date. | 02/18/2025 - Recd disclosure tracking to evidence delivery to borrower of the initial CD on the issuance date. - 02/18/2025 - Recd disclosure tracking to evidence delivery to borrower of the initial CD on the issuance date. | Funded C A |
| 900001514 | XXXX | 1097503 | 02/13/2025 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | LE issued xx/xx/xx is different from the second LE issued xx/xx/xx. The first LE does not have a loan number or Lender listed. It is unclear if the LE was presented to the borrowers, no tracking or receipt is noted in file. | 02/24/2025 | Verified reserves - 79 months of verified reserves when none were required by guidelines based on LTV.; Low DTI - Low DT.22%.I of 25; Low LTV/CLTV/HCLTV - Low CLTV of 47.64%.; |  | 02/21/25 Confirmation received from lender that the LE not reflecting a loan number was not provided to the borrower(s). - 02/21/25 Confirmation received from lender that the LE not reflecting a loan number was not provided to the borrower(s). | Funded C A |
| 900001514 | XXXX | 1097509 | 02/13/2025 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 2 | Acknowledged | COC for second LE issued xx/xx/xx states loan amount changed. No change in loan amount occurred from prior LE. |  | Verified reserves - 79 months of verified reserves when none were required by guidelines based on LTV.; Low DTI - Low DT.22%.I of 25; Low LTV/CLTV/HCLTV - Low CLTV of 47.64%.; |  | Client: Non-material issue - no fee violations | Funded C B |
| 900001544 | XXXX | 1097722 | 02/14/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Lender approval not in file. Unsigned 1008 on page xxx. | 02/27/2025 | Verified credit history - 759 Credit score exceeds minimum 680 per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; | 02/26/2025 - Recd screen print from the lenders LOS reflecting clear to close date and loan terms summary. | 02/26/2025 - Recd screen print from the lenders LOS reflecting clear to close date and loan terms summary. - 02/26/2025 - Recd screen print from the lenders LOS reflecting clear to close date and loan terms summary. | Funded C A |
| 900001544 | XXXX | 1097730 | 02/14/2025 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 1 | Closed | Missing verification of the following liabilities listed on the final 1003 but not documented in the file:<br>xxxx payment $xxx, balance $xxx<br>xxxx payment $xxx, balance $xxx<br>xxxx payment $xxx, balance $xxx<br>xxxx payment $xxx, balance $xxx<br>xxxx payment $xxx, balance $xxx<br>| 03/06/2025 | Verified credit history - 759 Credit score exceeds minimum 680 per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; | 02/26/2025 - "Please see on loan package for the following: xxxx $xxx, $xxx, $xxx pages xxx of xxx. xxxx $xxx, pages xxx of xxx. xxxx $xxx, pages xxx of xxx."<br>--Lender indicates that the payments from the borrowers bank statements. Missing the documentation used to verify the current balances. | 03/06/2025 - Reoccurring payments on bank statements provided and included in DTI calculations. Finding cleared. - 03/06/2025 - Reoccurring payments on bank statements provided and included in DTI calculations. Finding cleared. | Funded C A |
| 900001516 | XXXX | 1097530 | 02/13/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 2 | Acknowledged | ABD and / or FACTS Disclosure for Broker are not in file. Tested Appraisal and Title Fees as paid to an affiliate with no changes to compliance testing results. |  | Established credit history - Credit history dates back xxx years with no reported default.; Verified employment history - Borrower's business has been in operation xxx years; Verified reserves - No reserves required, borrower is receiving $xxx or 39.61 months PITIA in cash out proceeds.; |  | Client: Non-material issue, no compliance issues. | Funded C B |
| 900001516 | XXXX | 1097540 | 02/13/2025 | Compliance | Initial CD Received Date is < 3 business days prior to Consummation Date | TRID 0008 | 1 | Closed | Initial CD issued and received xx/xx/xx. Final CD issued xx/xx/xx and received xx/xx/xx. -- | 02/24/2025 | Established credit history - Credit history dates back xxx years with no reported default.; Verified employment history - Borrower's business has been in operation xxx years; Verified reserves - No reserves required, borrower is receiving $xxx or 39.61 months PITIA in cash out proceeds.; |  | 02/20/25 Initial CD issued/received xx/xx/xx received. - 02/20/25 Initial CD issued/received xx/xx/xx received. | Funded C A |
| 900001516 | XXXX | 1097643 | 02/14/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing the lender approval, only the unsigned 1008 is in the file. | 02/24/2025 | Established credit history - Credit history dates back xxx years with no reported default.; Verified employment history - Borrower's business has been in operation xxx years; Verified reserves - No reserves required, borrower is receiving $xxx or 39.61 months PITIA in cash out proceeds.; |  | 02/20/25 Lender loan approval received. - 02/20/25 Lender loan approval received. | Funded C A |
| 900001516 | XXXX | 1097658 | 02/14/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing Business Narrative, as required per guidelines for bank statement loans. |  | Established credit history - Credit history dates back xxx years with no reported default.; Verified employment history - Borrower's business has been in operation xxx years; Verified reserves - No reserves required, borrower is receiving $xxx or 39.61 months PITIA in cash out proceeds.; | 03/03/25 Email received from LRCP An exception has been approved for lack of business narrative on the above loan. Please waive-downgrade the condition. | Client: Investor Acknowledged Exception | Funded C B |
| 900001452 | XXXX | 1097663 | 02/14/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 2 | Acknowledged | Affiliated Business Disclosure /Facts not in file. Coded unknown fees to Affiliate. No change in compliance results. <br>|  | Verified reserves - 12 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 76 months of verified mortgage history paid 0x30 since xx/xxxx per CBR.; |  | Client: Non-material issue. No compliance issues. | Funded C B |
| 900001452 | XXXX | 1097669 | 02/14/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD issued xx/xx/xx APR 12.669%, CD issued xx/xx/xx APR 12.531%<br>|  | Verified reserves - 12 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 76 months of verified mortgage history paid 0x30 since xx/xxxx per CBR.; |  | Client: Non-material issue. Reduction in APR by .138 is a benefit tot he borrower. | Funded C B |
| 900001498 | XXXX | 1097686 | 02/14/2025 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Missing ROR for co-title holder, (name). (Name) is not a borrower on Note, but is a title holder per Title Commitment and signed the Mortgage. No Warranty or Quit Claim deed removing NBS from title in file. | 02/24/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 54.9%.; Verified employment history - Borrower has been employed for xxx years with (employer) as (job title) per TWN.; |  | 02/20/25 Executed ROR by NBS received. - 02/20/25 Executed ROR by NBS received. | Funded C A |
| 900001468 | XXXX | 1097783 | 02/17/2025 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Title Commitment is missing the Exhibit A legal description. | 02/19/2025 | Verified employment history - The borrower has been with their current employer xxx years.; Verified reserves - 2 months reserves or $xxx required, 33.19 months reserves or $xxx received in cash out proceeds.; | 02/18/2025 - Recd title commitment with Exhibit A. | 02/18/2025 - Recd title commitment with Exhibit A. - 02/18/2025 - Recd title commitment with Exhibit A. | Funded C A |
| 900001504 | XXXX | 1098001 | 02/18/2025 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 2 | Acknowledged | VOE completed > 10 business days prior to closing (date) and post-consummation (date). Guideline required VOE to be completed within 10 business days prior to closing. |  | Verified housing payment history - Credit report confirms 39 months satisfactory mortgage rating on 1st lien and 56 months on 2nd lien.; Verified employment history - VOE confirms xxx years employment with present employer.; |  | Client: EV2/B Non-Material, Post-consummation dated VOE is in support of the pre-consummation dated VOE, paystubs, W2, and 3rd Party VOI. | Funded C B |
| 900001504 | XXXX | 1098014 | 02/18/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Fraud report alert for potential undisclosed REO, (address), was not satisfactorily addressed. Ownership, (name with suffix), as per property detail report. Processor cert states property is owned by the borrowers son, (name), and that the borrower is (name with suffix). Name affidavit and credit report both reflect borrower associated with xxx and xxx. Government issued ID does not provide suffix . Review is unable to confirm if borrowers legal suffix is xxx or xxx. It is noted that vesting is 1%, as per grant deed. | 02/25/2025 | Verified housing payment history - Credit report confirms 39 months satisfactory mortgage rating on 1st lien and 56 months on 2nd lien.; Verified employment history - VOE confirms xxx years employment with present employer.; | 02/20/2025 - Our borrower is the parent, he has been on the subject property with his spouse (nbs name) since (year), of whom he is still married to per recorded deed of trust on subject property. The property at (street address) is owned by his son, of which the deed of trust shows him recording as unmarried man in (year) with another unmarried individual. If our borrower was married to the same person since (year), they would not be the individual on the (street name) property as that deed shows recorded as unmarried in (year). There is an LOE and supporting documentation in file. <br>--Agree, finding is cleared. | 02/20/2025 - Our borrower is the parent, he has been on the subject property with his spouse (nbs name) since (year), of whom he is still married to per recorded deed of trust on subject property. The property at (street address) is owned by his son, of which the deed of trust shows him recording as unmarried man in (year) with another unmarried individual. If our borrower was married to the same person since (year), they would not be the individual on the (street name) property as that deed shows recorded as unmarried in (year). There is an LOE and supporting documentation in file. <br>--Agree, finding is cleared. - 02/20/2025 - Our borrower is the parent, he has been on the subject property with his spouse (nbs name) since (year), of whom he is still married to per recorded deed of trust on subject property. The property at (street address) is owned by his son, of which the deed of trust shows him recording as unmarried man in (year) with another unmarried individual. If our borrower was married to the same person since (year), they would not be the individual on the (street name) property as that deed shows recorded as unmarried in (year). There is an LOE and supporting documentation in file. <br>--Agree, finding is cleared. | Funded C A |
| 900001507 | XXXX | 1097883 | 02/17/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing 1008 UW Transmittal and Lender approval from the file. | 02/24/2025 | Verified employment history - The borrower has been with their current employer since xxxx.; Verified reserves - 2 months reserves or $xxx required, 33.65 months reserves or $xxx received in cash out proceeds.; |  | 02/19/25 Lender loan approval received. - 02/19/25 Lender loan approval received. | Funded D A |
| 900001507 | XXXX | 1097891 | 02/17/2025 | Credit | Final 1003 Application is Incomplete | APP 0002 | 1 | Closed | Missing page 8 of the final application. Lender/broker information not included. | 02/24/2025 | Verified employment history - The borrower has been with their current employer since xxxx.; Verified reserves - 2 months reserves or $xxx required, 33.65 months reserves or $xxx received in cash out proceeds.; |  | 02/19/25 Complete copy of the final executed 1003 received. - 02/19/25 Complete copy of the final executed 1003 received. | Funded C A |
| 900001507 | XXXX | 1097920 | 02/17/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Amount of non-specific lender credits has decreased without a COC. Initial CD lender credit $xxx to $xxx without valid changed circumstance. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Loan Estimate sent on xx/xx/xx, ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). | 02/24/2025 | Verified employment history - The borrower has been with their current employer since xxxx.; Verified reserves - 2 months reserves or $xxx required, 33.65 months reserves or $xxx received in cash out proceeds.; |  | 02/19/25 COC received, finding cleared upon resubmission with COC. - 02/19/25 COC received, finding cleared upon resubmission with COC. | Funded C A |
| 900001507 | XXXX | 1098054 | 02/18/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Per guidelines, the borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note. The first mortgage note borrowers are (name) and (name), the second mortgage note only reflects (name). |  | Verified employment history - The borrower has been with their current employer since xxxx.; Verified reserves - 2 months reserves or $xxx required, 33.65 months reserves or $xxx received in cash out proceeds.; |  | Client: EV2/B - Investor Acknowledged Exception in file. | Funded C B |
| 900001610 | XXXX | 1098128 | 02/18/2025 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing PUD Rider to DOT (pg xx). Subject is a PUD as per existing 2nd lien DOT (pg xxx) and supplemental title report (pg xxx). | 04/15/2025 | Verified housing payment history - Credit report confirms 33 months satisfactory mortgage rating on 1st lien.; Verified credit history - Middle credit score 731 > 700 Minimum Required.; |  | 04/15/2025 04/15/25 Copy of recorded mortgage with PUD rider received. - 04/15/2025 04/15/25 Copy of recorded mortgage with PUD rider received. | Funded C A |
| 900001610 | XXXX | 1098143 | 02/18/2025 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Missing borrower / originator signed initial 1003. Initial application in file is not executed (pg xxx). | 04/15/2025 | Verified housing payment history - Credit report confirms 33 months satisfactory mortgage rating on 1st lien.; Verified credit history - Middle credit score 731 > 700 Minimum Required.; |  | 04/15/2025 04/15/23 LO executed initial 1003 received. - 04/15/2025 04/15/23 LO executed initial 1003 received. | Funded C A |
| 900001610 | XXXX | 1098144 | 02/18/2025 | Compliance | Affiliated Business Disclosure Is Not Executed | COMP 0036 | 1 | Closed | Missing borrower signed ABD. ADB's provided in file are not executed (pg xxx-xxx). | 03/13/2025 | Verified housing payment history - Credit report confirms 33 months satisfactory mortgage rating on 1st lien.; Verified credit history - Middle credit score 731 > 700 Minimum Required.; |  | 03/13/25 TPR Error. No requirement for ABD to be executed. - 03/13/25 TPR Error. No requirement for ABD to be executed. | Funded B A |
| 900001610 | XXXX | 1098164 | 02/18/2025 | Compliance | Right of Recission Is Not on Correct Form | ROR 0011 | 2 | Acknowledged | H8 form used on a lender-to-lender refi. H9 form should be used in CA. <br>|  | Verified housing payment history - Credit report confirms 33 months satisfactory mortgage rating on 1st lien.; Verified credit history - Middle credit score 731 > 700 Minimum Required.; |  | 05/07/2025 EV2/B Post-Closing Corrective Action-- Corrected ROR, LOE to borrower, and Fed-Ex tracking received. Package delivery verified on 05/02/25.<br>05/05/2025 04/30/25 ROR and tracking received. ROR delivered on 04/28/25 however the ROR expiration date was not updated. Finding remains, Borrower must have 3 business days upon receipt of the document.<br>05/05/2025 Corrected ROR, LOE to borrower, and Fed-Ex tracking received. As of 05/05/25 the label has just been created. ROR reflects an expiration date of 05/07/25. Borrower must have 3 business days upon receipt of the document. | Funded C B |
| 900001610 | XXXX | 1098166 | 02/18/2025 | Credit | HOA Payment is not verified | CRED 0133 | 1 | Closed | Missing verification of HOA liability. Review used ($), as reflected on the 1008. | 04/08/2025 | Verified housing payment history - Credit report confirms 33 months satisfactory mortgage rating on 1st lien.; Verified credit history - Middle credit score 731 > 700 Minimum Required.; |  | 04/08/2025 Recd dated zillow search on subject property (PIN) confirms a monthly HOA fee of ($). - 04/08/2025 Recd dated zillow search on subject property (PIN) confirms a monthly HOA fee of $143.<br>02/25/2025 Attached zillow search on subject property (PIN) confirms a monthly HOA fee of $143.<br>--Finding remains. The attached document is not dated. Missing documentation used to verify the HOA payment on subject property pre-consummation. | Funded C A |
| 900001610 | XXXX | 1098167 | 02/18/2025 | Compliance | Document Intent to Proceed with the Transaction | TRID 0045 | 1 | Closed | Missing intent to proceed date. ITP form in file is not executed (pg xxx). -- ou did not submit an Intent to Proceed Date, which represents the date the consumer acknowledged their intent to proceed with the transaction described by the Loan Estimate. The creditor must document this communication to satisfy the requirements of 1026.25. Neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) | 03/13/2025 | Verified housing payment history - Credit report confirms 33 months satisfactory mortgage rating on 1st lien.; Verified credit history - Middle credit score 731 > 700 Minimum Required.; | 03/12/25 Recd from lender: No fees were charged to the borrower-please waive. Agree, cleared. | 03/13/2025 03/12/25 Cleared, No fees were charged to the borrower. - 03/13/2025 03/12/25 Cleared, No fees were charged to the borrower. | Funded C A |
| 900001610 | XXXX | 1098168 | 02/18/2025 | Compliance | Last Loan Estimate Received Date and Consummation Date | TRID 0022 | 1 | Closed | Last LE provided issued on xx/xx/xxxx on page xxx was esigned on xx/xx/xxxx. Final CD issued xx/xx/xxxx on page x reflects closing date of xx/xx/xxxx was executed by the borrower on xx/xx/xxxx. -- The last Loan Estimate Received Date of (xxxx-xx-xx) is not 4 business days before the consummation date of (xxx-xx-xx). Four business days before consummation is (xxxx-xx-xx). Under Regulation Z, a consumer must receive a revised Loan Estimate no later than 4 business days before consummation. (12 CFR 1026.19(e)(4)(ii)) | 03/03/2025 | Verified housing payment history - Credit report confirms 33 months satisfactory mortgage rating on 1st lien.; Verified credit history - Middle credit score 731 > 700 Minimum Required.; | 02/28/2025 - Here's the pertinent dates on this … We meet compliance rules on this. We provided the final LE dated xx/xx/xx. The initial CD dated xx/xx/xx and the final CD dated xx/xx/xx. The LE was signed on xx/xx but received on xx/xx. Signature is not required on the LE, we meet the received date regulatory requirements. See attached for electronic delivery proof. Please let me know if you have any questions. | 03/03/2025 03/03/2025 - The LE dated xx/xx/xxxx was provided due to rate lock with no APR increase. Waiting period acceptable. Finding cleared. - 03/04/2025 03/03/2025 - The LE dated 01/17/2025 was provided due to rate lock with no APR increase. Waiting period acceptable. Finding cleared.<br>02/25/2025 The borrower eSigned the latest initial LE on 1/20/2025, which is also reflected on the disclosure tracking.<br>--The last Loan Estimate Received Date of (2025-01-20) is not 4 business days before the consummation date of (2025-01-24). Four business days before consummation is (2025-01-18). Under Regulation Z, a consumer must receive a revised Loan Estimate no later than 4 business days before consummation. (12 CFR 1026.19(e)(4)(ii)) | Funded C A |
| 900001610 | XXXX | 1098372 | 02/20/2025 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Missing title commitment or final title policy reflecting the correct policy amount for subject transaction. Title commitment in file reflects a proposed amount of ($) (pg xxx). Closing condition required Schedule B exception #12 to be removed (pg xxx). | 02/25/2025 | Verified housing payment history - Credit report confirms 33 months satisfactory mortgage rating on 1st lien.; Verified credit history - Middle credit score 731 > 700 Minimum Required.; |  | 02/25/2025 Recd short form residential loan policy, amount of insurance ($) with title B exception 12 removed. - 02/25/2025 Recd short form residential loan policy, amount of insurance $96,905 with title B exception 12 removed. | Funded C A |
| 900001610 | XXXX | 1098397 | 02/20/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | High risk fraud finding for potential loan churning does not provide any commentary in the cleared comments (xxx). Subject transaction is a no cost refinance with rate reduction of 0.25%, but nothing in file addresses the reason for the refinance after previous refinance in x/xxxx. | 02/25/2025 | Verified housing payment history - Credit report confirms 33 months satisfactory mortgage rating on 1st lien.; Verified credit history - Middle credit score 731 > 700 Minimum Required.; |  | 02/25/2025 Recd response from lender, Oaktree confirms there was an error on the prior loan that was closed in Sept xxxx- Loan #xxxxxxxxxx. When the co-borrower was added to the account Oaktree did not provide 7 business days prior to closing from the initial LE therefore we had to refinance the loan. In doing so, due to our error we provided a rate reduction to the borrower. <br>- 02/25/2025 Recd response from lender, Oaktree confirms there was an error on the prior loan that was closed in Sept 2024- Loan #22024080297. When the co-borrower was added to the account Oaktree did not provide 7 business days prior to closing from the initial LE therefore we had to refinance the loan. In doing so, due to our error we provided a rate reduction to the borrower. | Funded C A |
| 900001610 | XXXX | 1098398 | 02/20/2025 | Credit | Loan has a reserve requirement and no assets entered | CRED 0116 | 1 | Closed | CLTV > 75% requires 2 months reserves. No documented reserves in file. Loan proceeds were used to payoff recently acquired second lien with no cash to borrower. | 05/05/2025 | Verified housing payment history - Credit report confirms 33 months satisfactory mortgage rating on 1st lien.; Verified credit history - Middle credit score 731 > 700 Minimum Required.; | 05/05/25 Email received from LRCP Exception for reserves has been approved. | 05/05/2025 EV2/B Investor Acknowledged Exception - 05/05/2025 EV2/B Investor Acknowledged Exception | Funded C A |
| 900001499 | XXXX | 1098240 | 02/19/2025 | Compliance | Initial CD Received Date is < 3 business days prior to Consummation Date | TRID 0008 | 1 | Closed | Missing initial CD dated xx/xx/xx. -- The Initial Closing Disclosure Received Date of xx/xx/xx) is not three business days before the consummation date of (xx/xx/xx). Three business days before the consummation date is (xx/xx/xx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii))<br>| 02/24/2025 | Low LTV/CLTV/HCLTV - CLTV of 54.84% < 75% Max Allowed; Verified occupancy in subject property - Borrowers have owned and occupied subject property for xxx years.; |  | 02/21/25 Copy of initial CD dated xx/xx/xx received. - 02/21/25 Copy of initial CD dated xx/xx/xx received. | Funded C A |
| 900001554 | XXXX | 1098315 | 02/19/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Updated Exception - CD disclosed $xxx Monthly Servicing Reserve Fee with Property Costs Over Year 1 of $xxx. Review is unable to source Monthly Servicing Reserve Fee. 1st lien is escrowed. Only non-escrowed property costs are required to be disclosed. <br>Original Exception - Property costs over year 1 of $xxx was calculated using Monthly Servicing Reserve Fee. Missing documentation to source the liability. | 03/06/2025 | Verified credit history - 768/807 Middle Credit Scores > 700 Minimum Required.; | Updated Exception - CD disclosed $xxx Monthly Servicing Reserve Fee with Property Costs Over Year 1 of $xxx. Review is unable to source Monthly Servicing Reserve Fee. 1st lien is escrowed. Only non-escrowed property costs are required to be disclosed. | 03/06/2025 xx/xx/xx - Copy of LOS provided, showing Monthly Servicing Reserve Fee charged to borrower. Finding cleared. - 03/06/2025 03/06/2025 - Copy of LOS provided, showing Monthly Servicing Reserve Fee charged to borrower. Finding cleared.<br>02/28/2025 All property costs must be documented in file. Missing documentation for Monthly Servicing Reserve Fee that was disclosed to borrower. Review is unable to reconcile the disclosed property costs. | Approved C |
| 900001554 | XXXX | 1098327 | 02/19/2025 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing disclosure tracking to evidence delivery of the latest issued (xx/xx) LE to borrower. E-tracking stamp at top of the disclosure is illegible. -- A revised Loan Estimate was provided on (xx/xx/xx) via (courier). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (xx/xx/xx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xx/xx/xx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xx/xx/xx). (12 CFR 1026.19(e)(4)(ii)) | 04/04/2025 | Verified credit history - 768/807 Middle Credit Scores > 700 Minimum Required.; |  | Recd disclosure tracking to evidence delivery of the latest issued LE to borrower on the issuance date. - 02/25/2025 Recd disclosure tracking to evidence delivery of the latest issued LE to borrower on the issuance date. | Approved C |
| 900001554 | XXXX | 1098581 | 02/21/2025 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 2 | Acknowledged | B1 ownership, (xxxx) is 9.5%. Missing verification of active employment. The borrower is not considered self-employed, thus Google search, xxx Statement of Information, and 2023 K-1 do not satisfactorily document current employment status |  | Verified credit history - 768/807 Middle Credit Scores > 700 Minimum Required.; |  | 03/21/2025 3/21/25 - Post Close VOE from documented CPA provided showing active employment for borrower. Finding cleared.<br>03/10/2025 Disagree, guidelines defer to FNMA. Per FNMA, The lender must verify employment income for all borrowers whose income is used to qualify for the loan. This verification can be provided by the borrower, by the borrower's employer, or by a third-party employment verification vendor. Borrower is an executive chef compensated with guaranteed payments for services. <br>02/25/2025 Attached VVOE source of verified employment of 2023 corporate/personal tax return, business license, and google search does not adequately document active employment status. Borrower is not considered self-employed as ownership of 9.5% < 25%. Missing verification of employment completed within 10 days prior to closing. No paystub provided to evidence current receipt to support active employment status. 2024 YE Balance Sheet > 30 days at closing and there is no indication that the document was CPA prepared. | Approved C B |
| 900001554 | XXXX | 1098582 | 02/21/2025 | Credit | Missing Divorce Decree and/or Separation Agreement | DD 0001 | 1 | Closed | Missing B1 xxxx to verify they are not personally liable for x. REO transaction hixxxstory reflects, divorce/dissolution of marriage with xxxx. | 03/12/2025 | Verified credit history - 768/807 Middle Credit Scores > 700 Minimum Required.; |  | 03/12/2025 xx/xx/xx Divorce decree received. No obligation verified. - 03/13/2025 03/11/25 Divorce decree received. No obligation verified. | Approved C |
| 900001554 | XXXX | 1098584 | 02/21/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 2 | Acknowledged | Missing copy of the Note(s) on subject property first lien and non-subject REO. The mortgage billing statements in file both reflect unpaid second principal balances. Modifications from original terms are ineligible per guidelines. |  | Verified credit history - 768/807 Middle Credit Scores > 700 Minimum Required.; | 04/04/25 Email recd from LRCP We are ok to proceed with this exception.<br>03/31/2025 - Lender is requesting update. Finding has been escalated to investor for review.<br>03/27/25 Exception request received. Exception remains pending Long Run approval<br>03/21/25 Recd from lender: Please see the attached notes for both the primary residence and the non subject REO Please advise if this can be cleared/waived or why the documentation provided is not acceptable. \*\* Documentation provided verifies that the subordinate financing for the subject and additional REO was the result of a forbearance plan from xx/xx. Per the guidelines 7 years seasoning is required for Modifications and Forbearance with missed payments or re-payment plans. | 04/03/2025 04/03/25 Follow up email sent to LRCP requesting status.<br>03/28/2025 Exception request received. Exception remains pending Long Run approval<br>03/25/2025 03/21/25 Recd from lender: Please see the attached notes for both the primary residence and the non subject REO<br>Please advise if this can be cleared/waived or why the documentation provided is not acceptable.<br>\*\* Documentation provided verifies that the subordinate financing for the subject and additional REO was the result of a forbearance plan from 03/2020. Per the guidelines 7 years seasoning is required for Modifications and Forbearance with missed payments or re-payment plans. | Approved C B |
| 900001554 | XXXX | 1098589 | 02/21/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing B1 verification of xxxx income. P&L/Balance Sheet was provided, however borrowers ownership of 9.5% < 25% and there is no evidence that the financial statements were CPA prepare. | 03/21/2025 | Verified credit history - 768/807 Middle Credit Scores > 700 Minimum Required.; |  | 03/21/2025 - Post close VOE from documented CPA showing active employment. Finding cleared. - 03/21/2025 3/21/21 - Please resubmit. A VVOE was not not attached to this rebuttal response.<br>03/10/2025 Disagree, guidelines defer to FNMA. Per FNMA, The lender must verify employment income for all borrowers whose income is used to qualify for the loan. This verification can be provided by the borrower, by the borrower's employer, or by a third-party employment verification vendor. Borrower is an executive chef compensated with guaranteed payments for services.<br>02/28/2025 Agency required income documentation was provided for the limited owner, however ability to repay has not been fully established as verification of employment was not completed prior to closing. YE P&L was provided to evidence current receipt, however there is no evidence that the P&L was 3rd party prepared. Refer to CRED 0072 exception.<br>02/25/2025 Partially agree, however income documentation > 12 months at closing using most recent two years tax returns and active employment status was not verified (Refer CRED 0082). | Approved C |
| 900001491 | XXXX | 1098565 | 02/21/2025 | Credit | Missing Employment doc (VOE) | CRED 0007 | 2 | Acknowledged | VOEs completed (date), which is after the note date (date). Lender approved exception in file. Per guidelines, VVOE must be completed within 10 business days prior to the Note date. Investor acknowledged exception in file, however, comments state paystubs must be dated within 30 days of the Note date. Paystubs in file > 30 days (Post-Consummation). |  | Verified employment history - Post-consummation dated VOEs confirm xxx years employment with present employer for B1 and xxx years employment with present employer for B2.; Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle Credit Scores 748/735 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 65.38% CLTV < 80% Max Allowed.; | 02/26/2025 - EV2/B Investor Acknowledged Exception. Post-consummation dated paystub is dated within 30 days of the Note date, as required by investor, and confirms active employment status prior to and after closing. Post-consummation dated paystub and VOE are in support of the pre-consummation dated paystub > 30 days at closing, W2s, and wage transcripts in file. | Client: 02/26/2025 - EV2/B Investor Acknowledged Exception. Post-consummation dated paystub is dated within 30 days of the Note date, as required by investor, and confirms active employment status prior to and after closing. Post-consummation dated paystub and VOE are in support of the pre-consummation dated paystub > 30 days at closing, W2s, and wage transcripts in file. | Funded C B |
| 900001537 | XXXX | 1098401 | 02/20/2025 | Compliance | Note has not been properly executed and Missing Name Affidavit | NOTE 0047 | 1 | Closed | Missing Borrower Name/Signature Affidavits to verify borrower(s) signatures. | 02/27/2025 | Verified employment history - B1 has been (occupation) of (company) for xxx years. B2 has been employed as (occupation) for xxx years.; Low LTV/CLTV/HCLTV - Low OCLTV of 57.66%.; | 02/25/2025 - Recd signature/name affidavits. | 02/25/2025 - Recd signature/name affidavits. - 02/25/2025 - Recd signature/name affidavits. | Funded C A |
| 900001537 | XXXX | 1098403 | 02/20/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing Exhibit A Legal description to the Mortgage. | 02/27/2025 | Verified employment history - B1 has been (occupation) of (company) for xxx years. B2 has been employed as (occupation) for xxx years.; Low LTV/CLTV/HCLTV - Low OCLTV of 57.66%.; | 02/25/2025 - Recd DOT with Exhibit A. | 02/25/2025 - Recd DOT with Exhibit A. - 02/25/2025 - Recd DOT with Exhibit A. | Funded C A |
| 900001537 | XXXX | 1098406 | 02/20/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | ROR Expiration Date is xx/xx/xx Final CD dated xx/xx/xx shows disbursement date of xx/xx/xx . Final settlement statement not provided to verify actual disbursement date. | 03/03/2025 | Verified employment history - B1 has been (occupation) of (company) for xxx years. B2 has been employed as (occupation) for xxx years.; Low LTV/CLTV/HCLTV - Low OCLTV of 57.66%.; | 02/28/2025 - Attached is the ALTA Settlement Statement to clear this finding.<br>02/25/2025 - Recd PCCD and cover letter.<br>--Finding remains. Missing final settlement statement to confirm changes to the disbursement date and fees. | 03/03/2025 - Alta Settlement statement received discloses disbursement date after rescission expiration. Finding cleared. - 03/03/2025 - Alta Settlement statement received discloses disbursement date after rescission expiration. Finding cleared. | Funded C A |
| 900001534 | XXXX | 1098707 | 02/24/2025 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Appraisal was completed on a standard 1004 form not a 1073 form. Subject property verified as a xxx per title which states "xxx". (pTC xxx/ legal pg xxx; Condo Rider to Mtg xxx) | 03/07/2025 | Verified reserves - 24 Months of verified reserves when non were required per guidelines on LTV, 75%.; Verified employment history - B2 has been employed as (title with (company) for xxx years.; | 02/27/2025 - Per FNMA, In addition, appraisals for units in condo projects that consist solely of detached dwellings may be documented on Form 1004, if the appraiser includes an adequate description of the project and information about the homeowners' association fees and the quality of the project maintenance. Appraisals reported on Form 1004 must be completed in accordance with the UAD Specification.<br>--Finding remains. The appraiser does not provide an adequate description of the project or quality of the project maintenance. The appraiser only noted the amount of the annual HOA fee and that all comparables utilized were site xxx. | 03/07/2025 03/08/2025 - Subject appraisal form acceptable as provided. Finding cleared. - 03/08/2025 03/08/2025 - Subject appraisal form acceptable as provided. Finding cleared.<br>02/28/2025 Appraisal was completed on wrong form 1004. Appraisal should have been completed on form 1073 for condo property.<br>02/28/2025 Appraisal was completed on wrong form 1004. Appraisal should have been completed on form 1073 for condo property. | Funded C A |
| 900001534 | XXXX | 1098708 | 02/24/2025 | Property | Missing Condo Project Number of Units | COND 0007 | 1 | Closed | Missing number of units as appraisal is on incorrect form. | 03/07/2025 | Verified reserves - 24 Months of verified reserves when non were required per guidelines on LTV, 75%.; Verified employment history - B2 has been employed as (title with (company) for xxx years.; |  | 03/07/2025 03/08/2025 - Subject appraisal provided listing of unit for subject property. Finding cleared. - 03/08/2025 03/08/2025 - Subject appraisal provided listing of unit for subject property. Finding cleared. | Funded C A |
| 900001534 | XXXX | 1098709 | 02/24/2025 | Credit | Missing Lender Project Condo Classification | COND 0010 | 1 | Closed | Missing lender project designation of Warrantable or Non-Warrantable for xxxx. | 02/28/2025 | Verified reserves - 24 Months of verified reserves when non were required per guidelines on LTV, 75%.; Verified employment history - B2 has been employed as (title with (company) for xxx years.; |  | Fannie Mae does not require a thorough project review for detached xxx units. - 02/28/2025 Fannie Mae does not require a thorough project review for detached condo units.<br>02/28/2025 Fannie Mae does not require a thorough project review for detached condo units. | Funded C A |
| 900001534 | XXXX | 1098762 | 02/25/2025 | Credit | Condo Documentation is Insufficient | COND 0002 | 1 | Closed | Missing xxx questionnaire and all supporting xx docs. | 02/28/2025 | Verified reserves - 24 Months of verified reserves when non were required per guidelines on LTV, 75%.; Verified employment history - B2 has been employed as (title with (company) for xxx years.; |  | 02/28/2025 Fannie Mae does not require a thorough project review for detached xxx units. - 02/28/2025 Fannie Mae does not require a thorough project review for detached condo units.<br>02/28/2025 Fannie Mae does not require a thorough project review for detached condo units. | Funded C A |
| 900001510 | XXXX | 1098783 | 02/25/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing executed authorization to close credit line. Document in file was not executed by the borrower. | 03/04/2025 | Verified reserves - 52 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed as (title) for xxx years with (employer).; Low DTI - Low DTI of 33.01%.; |  | 03/04/2025 - Borrower executed authorization to close credit line provided. Finding cleared. - 03/04/2025 - Borrower executed authorization to close credit line provided. Finding cleared. | Funded C A |
| 900001555 | XXXX | 1098695 | 02/24/2025 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | 7. Solar - Solar contract page xxx <br>8. XX (Solar) Prepayment letter on page xxx states the contract has been prepaid but the payment does not terminate the contract. <br>9. Solar<br>10/11 ADU Mechanics lien (page xxx) paid off on final CD on page xxx.<br>Missing final title policy with mechanics lien removed (Title Exceptions 10-11). Also missing UCC termination or subordination agreement (Title Exceptions 7-9). | 03/14/2025 | Verified employment history - Borrower has been employed for xxx years as (title) with (employer).; Low DTI - Low DTI of 31.29%.; | 03/13/25 Recd from lender: Please see explanation from title agent regarding solar: Please see the attached final title policy. Item # 2 & 3 is a notice of solar and does not constitute a title defect. The UCC Filing of record, is not reflected on the final title policy.<br>\*\* IB acknowledges that the solar company has not filed a UCC Lien. However, the Notice they filed in xx/xx could become a lien for future non-payment, and would supersede anything the subject mortgage. Subordination Agreement is required.<br>03/10/25 Short Form policy dated xx/xx/xx received. Mechanics lien was removed however it is noted on Sch B #2 "A Notice: Notice of An Independent Solar Energy Producer Contract Filed by XX Recorded xx/xx/xx as Instrument No. XX of Official Records<br>Reference is made to said document for full particulars.<br>Sch B #3. The Solar Energy System, if any, located on the Land being owned by an Independent Solar Energy Producer<br>\*\* Finding is partially cleared. Copy of UCC termination or subordination agreement remains outstanding.<br>02/28/25 Adding clarification - issuing final title policy with mechanics lien removed (Title Exceptions 10-11). Also missing UCC termination or subordination agreement (Title Exceptions 7-9). | 03/14/25 Based on the documentation at the time of review there is no indication of current lien position issues. - 03/14/25 Based on the documentation at the time of review there is no indication of current lien position issues. | Funded C A |
| 900001555 | XXXX | 1098703 | 02/24/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | Lender credit of $xxx is insufficient to cure fee variance due to increase in recorded fees. Settlement statement reflects $xxx and CD issued xx/xx/xx reflects $xxx. Review used amount of $xxx for compliance testing as this is a dry funding state. |  | Verified employment history - Borrower has been employed for xxx years as (title) with (employer).; Low DTI - Low DTI of 31.29%.; | 03/25/25 Copy of final settlement statement reflecting credit of $xxx was applied at closing received. Also received was an LOE to the borrower, Corrective PC CD reflecting lender credit for fees over the legal limit of $xxx and refund check in the amount of $xxx with tracking. Delivery verified on xx/xx/xx. With the lender credit at closing of $xxx and refund of $xxx finding can be downgraded to EV2/B.<br>03/21/2025 - Lender provided corrected PCCD. Pending LOE to borrower, copy of refund check in the amount of $xxx, and proof of trackable delivery. Once received finding can be downgraded to an EV2. <br>03/08/2025 - Lender provided PCCD dated xx/xx/xx for a second time. Loan Estimate dated xx/xx/xx reflects Recording Fee of $xxx. Closing CD dated xx/xx/xx reflects Recording Fee of $xxx. A valid COC was not provided for this CD. Subsequently PCCD dated xx/xx/xx reflects Recording fees of $xxx. Recording fee increase 10% tolerance was $xxx based on xx/xx/xx LE fee. The Recording fee from the PCCD of $xxx exceeds this tolerance by $xxx. Lender to provide corrected PCCD, LOE to borrower, copy of refund check in the amount of $xxx, and proof of trackable delivery. Once received finding can be downgraded to an EV2. <br>02/28/2025 - Please see PCCD. Cure for $xxx was applied at closing<br>\*\*Finding remains, CD dated xx/xx/xx and the final settlement statement reflected a lender credit of $xxx. The final CD dated xx/xx/xx reflects a lender credit of $xxx. This credit is insufficient to cover the variance of the 10% fees of $xxx. Lender to provide corrected PCCD, LOE to borrower, copy of refund check in the amount of $xxx, and proof of trackable delivery. Once received, finding can be downgraded to an EV2. | Client: EV2/B Post Closing Corrective Action. | Funded C B |
| 900001555 | XXXX | 1098705 | 02/24/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | The recording fees on the final settlement statement and CD do not balance. Final CD issued xx/xx/xx section E reflects recording fee of $xxx. Description of fee reflects Mortgage $xxx. Settlement statement reflects recording fees of $xxx / $xxx to xxxx County and $xxx to Affordable Housing Act to xxx Co.). Final compliance compliance testing is subject to receipt of final CD for dry funding state. | 03/03/2025 | Verified employment history - Borrower has been employed for xxx years as (title) with (employer).; Low DTI - Low DTI of 31.29%.; |  | 03/03/25 Final CD for dry funding state received. Recording fees were updated to match the settlement statement. - 03/03/25 Final CD for dry funding state received. Recording fees were updated to match the settlement statement. | Funded C A |
| 900001557 | XXXX | 1098688 | 02/24/2025 | Compliance | NMLS IDs do not match | NMLS 0011 | 2 | Acknowledged | Individual name and NMLS on the Final CD differs from Note, Mortgage and Final 1003. CD reflects ID xxxxx. Other docs reflect ID xxxxxx. |  | Verified reserves - 35 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self employed for 8.86 years and in the same line of work for 25 years.; | 03/05/2025 - Finding remains. Copy of Final Closing CD with corrected NMLS provided. The following re-disclosure remediation is required. <br>1. Letter of explanation to borrower<br>2. Corrected PCCD<br>Obtain receipt of the above, finding will be downgraded to an EV2/B. | Client: EV2/B Post Closing Corrective Action - 03/21/25 LOE to borrower and corrected PC CD received. | Approved C B |
| 900001557 | XXXX | 1098692 | 02/24/2025 | Compliance | Appraisal Dated prior to Intent to Proceed Date | TRID 0192 | 1 | Closed | Appraisal is dated XX/XX/XXXX (pg. 526) and fee was paid outside of closing. ITP is dated 1/8/25 (pg. 639). | 03/03/2025 | Verified reserves - 35 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self employed for 8.86 years and in the same line of work for 25 years.; | 02/27/25 - Seller response- There was an original loan for XX that was restructured to this loan XXXX. The 11/19/24 appraisal was done under loan XXXX and the intent to proceed for that loan number was 11/3/24. Please advise. | 03/03/2025 - Documentation in file supports seller response to finding. Finding cleared. - 03/03/2025 - Documentation in file supports seller response to finding. Finding cleared. | Approved C |
| 900001505 | XXXX | 1098778 | 02/25/2025 | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 1 | Closed | Hazard coverage is $xxx. Replacement cost per Appraiser is $xxx. Coverage is insufficient to cover 1st and 2nd liens. | 03/04/2025 | Low LTV/CLTV/HCLTV - Low OCLTV of 49.28%.; Verified reserves - 45.9 months of verified reserves when none were required per guidelines on LTV <75%.; Low DTI - Low DTI of 28.29%.; |  | 03/04/2025 - Replacement cost estimator provided showing an estimated replacement cost value of $xxx. - 03/04/2025 - Replacement cost estimator provided showing an estimated replacement cost value of $xxx. | Funded C A |
| 900001527 | XXXX | 1098802 | 02/25/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing copy of the final settlement statement to verify the actual disbursement date for dry funding state. Disbursement date per Final CD is xx/xx/xx. ROR expiration date is xx/xx/xx. Earliest valid disbursement date is xx/xx/xx. | 03/06/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 61.51%.; Verified employment history - Borrower has been employed as (job title) with (employer) for xxx years.; |  | 03/06/2025 - Dry funding state. PCCD provided. Confirmed disbursement occurred after RTC expiration. Finding cleared. - 03/06/2025 - Dry funding state. PCCD provided. Confirmed disbursement occurred after RTC expiration. Finding cleared. | Funded C A |
| 900001527 | XXXX | 1099193 | 02/28/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval and 1008. | 03/05/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 61.51%.; Verified employment history - Borrower has been employed as (job title) with (employer) for xxx years.; |  | 03/05/2025 - Lender loan approval provided. Finding cleared. - 03/05/2025 - Lender loan approval provided. Finding cleared. | Funded D A |
| 900001512 | XXXX | 1098980 | 02/27/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed |  | 03/04/2025 |  |  |  | Funded C A |
| 900001512 | XXXX | 1099112 | 02/28/2025 | Credit | Missing Bank Statement(s) | CR 0012 | 1 | Closed |  | 03/04/2025 |  |  |  | Funded C A |
| 900001533 | XXXX | 1099012 | 02/27/2025 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed |  | 03/05/2025 |  |  |  | Funded C A |
| 900001533 | XXXX | 1099031 | 02/27/2025 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed |  | 03/11/2025 |  |  |  | Funded C A |
| 900001533 | XXXX | 1099101 | 02/28/2025 | Credit | Missing Copy of Quit Claim Deed | QCD 0001 | 1 | Closed |  | 03/04/2025 |  |  |  | Funded C A |
| 900001528 | XXXX | 1099732 | 03/05/2025 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Missing appraisal transfer letter from XXXX to XXXX. Appraisal supplemental addendum reflects the original lender and NAF as the current lender. | 03/11/2025 | Verified employment history - B1 has been employed with (employer) for xxx years as (title). B2 has been employed with (employer) for xxx years as (title).; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for xxx years.; |  | 03/10/25 Verification of appraisal transfer received. - 03/10/25 Verification of appraisal transfer received. | Funded C A |
| 900001538 | XXXX | 1099717 | 03/05/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified reserves - 11 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has occupied and owned the subject property for xxx years.; |  | Client: EV2/B Non-Material. | Funded C B |
| 900001561 | XXXX | 1099691 | 03/05/2025 | Compliance | Scrivener's Error | DEED 0050 | 1 | Closed | Mortgage notary date (pg. 469) says 3/24/2025. It should say 2/24/2025 as that is the date all loan docs were signed. The mortgage was not notarized on 3/24/2025 as that is a future date. | 03/08/2025 | Verified housing payment history - Borrower has 99+ months of mortgage history paid 0x30 per CBR since 08/2017.; Verified occupancy in subject property - Borrower has owned and occupied the subject property for 5.75 years.; |  | 03/07/25 Affidavit of correction to recorded document received. Notary acknowledgment to be corrected. - 03/07/25 Affidavit of correction to recorded document received. Notary acknowledgment to be corrected. | Approved C |
| 900001561 | XXXX | 1099696 | 03/05/2025 | Compliance | Appraisal Dated prior to Intent to Proceed Date | TRID 0192 | 1 | Closed | Appraisal is dated XX/XX/XXXX (pg. 197) which is prior to the application date of 02/04/2025. Missing transfer letter from broker to lender. | 03/13/2025 | Verified housing payment history - Borrower has 99+ months of mortgage history paid 0x30 per CBR since 08/2017.; Verified occupancy in subject property - Borrower has owned and occupied the subject property for 5.75 years.; |  | 03/11/25 Verification that the Broker paid for the appraisal upfront received. Appraisal fee collected from borrower at closing. No fees charged prior to closing. - 03/11/25 Verification that the Broker paid for the appraisal upfront received. Appraisal fee collected from borrower at closing. No fees charged prior to closing. | Approved C |
| 900001561 | XXXX | 1099697 | 03/05/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Missing copy of HOA statement to verify correct HOA amount to determine if the estimated property costs were disclosed correctly. Final CD dated 02/24/25 (pg. 369) discloses HOA at $125 per month; $1,500 per year. Appraisal (pg. 203) shows $125 per month. AMC memo (pg. 171) requests correction to $135 per month per HOA statement. If HOA fee is $135 a corrective PC CD will be required. Final review pending. |  | Verified housing payment history - Borrower has 99+ months of mortgage history paid 0x30 per CBR since 08/2017.; Verified occupancy in subject property - Borrower has owned and occupied the subject property for 5.75 years.; | 03/14/25 HOA statement received. Borrower is assessed a month fee of $135 and a reserves fee of $15 per month, total $150. Also received was a PCCD dated 03/14/25 which reflected updated Estimated Taxes, Ins, and Assessments of $135 / Estimated Property Costs over Year 1 of $1620.<br>\*\* Finding remains, verified Estimated Taxes, Ins, and Assessments of $150 / Estimated Property Costs over Year 1 of $1800. Missing corrected PCCD disclosing verified amount with LOE to the borrower explaining the reason for re-disclosure. | Client: EV2/B Post Closing Corrective action- LOE to borrower and corrected PC CD received. | Approved C B |
| 900001549 | XXXX | 1099854 | 03/06/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI of 47.87% vs lender 1008 39.72%. Variance in net rental income from REO 2. In reviewing the lender's rental income wks, lender did not subtract the total expenses of $xxx per the Sch E. Borrower does meet the requirements up to DTI of 50%. |  | Verified employment history - Borrower has been employed with (employer) as (title) for xxx years.; Verified occupancy in subject property - Borrower has owned and occupied the subject property for xxx years.; |  | Client: EV2/B Non-Material. Borrower does meet the requirements for DTI of 50%. | Funded C B |
| 900001539 | XXXX | 1099702 | 03/05/2025 | Compliance | Scrivener's Error | DEED 0050 | 2 | Acknowledged | On signature line of Mortgage M2 has crossed out her name. Correct name is not written in. M2 name is typed as XXX XXX. Should be XXX XXX per Name Affidavit. No correction is made to M2 name on page xxx of Mortgage. |  | Low LTV/CLTV/HCLTV - Low OCLTV of 63.62%.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for xxx years.; |  | Client: EV2/B Non-Material Changes to name initial by borrower and Signature/Name Affidavit reflects name as signed. | Approved C B |
| 900001539 | XXXX | 1099703 | 03/05/2025 | Compliance | Scrivener's Error | NOTE 0060 | 2 | Acknowledged | B2 name on signature line of Note has been crossed out. Correct name is not written in. Name was typed as XXX XXX. Should be XXX XXX per Name Affidavit. |  | Low LTV/CLTV/HCLTV - Low OCLTV of 63.62%.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for xxx years.; |  | Client: EV2/B Non-Material Changes to name initial by borrower and Signature/Name Affidavit reflects name as signed. | Approved C B |
| 900001539 | XXXX | 1099704 | 03/05/2025 | Compliance | Right of Rescission is Incomplete | ROR 0002 | 2 | Acknowledged | ROR for B2 has her name crossed off below signature line. Correct name is not written in. Correct name is XXX XXX. |  | Low LTV/CLTV/HCLTV - Low OCLTV of 63.62%.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for xxx years.; |  | Client: EV2/B Non-Material Changes to name initial by borrower and Signature/Name Affidavit reflects name as signed. | Approved C B |
| 900001539 | XXXX | 1099716 | 03/05/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 1 | Closed | Missing valid COC for increase of Loan Discount on CD issued xx/xx/xxfor Discount increased from $xxx (.625%) to $xxx (1.25%) which is variance of $xxx. COC on states value is different than estimated. Value came in higher, which reduces the LTV. This is not a reason to increase the discount points. Lender credit of $xxx added on Final CD offsets the increased Credit Report fee. | 03/19/2025 | Low LTV/CLTV/HCLTV - Low OCLTV of 63.62%.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for xxx years.; |  | 03/18/25 LOE and screen print from the lender's LOS received. Additional factors for change noted in comments include updated CBR was required, fico decreased resulting in the lock having to be adjusted. Discount increased from .625% to 1.25%. Finding cleared upon re-submission with accurate COC reason. - 03/18/25 LOE and screen print from the lender's LOS received. Additional factors for change noted in comments include updated CBR was required, fico decreased resulting in the lock having to be adjusted. Discount increased from .625% to 1.25%. Finding cleared upon re-submission with accurate COC reason. | Approved C |
| 900001520 | XXXX | 1099958 | 03/06/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | CD Escrow Account section is deficient, lender does not indicate if an escrow account was declined or if one was not offered. |  | Low LTV/CLTV/HCLTV - Low CLTV of 51.52%.; Verified reserves - 42 months of verified reserves when guidelines required none based on low LTV.; Verified employment history - Borrowers have been self-employed owners of (company) for xxx years.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001545 | XXXX | 1099741 | 03/05/2025 | Compliance | Incomplete Change of Circumstance | COMP 0020 | 2 | Acknowledged | COC describes increase in loan amount with resulting increase in Loan Discount and Mortgage Tax. COC does not explain why the credit report fee also increased. |  | Low LTV/CLTV/HCLTV - Low CLTV of 68.55%.; Verified employment history - Borrower has been employed with current employer for xxx years.; | 03/13/25 Copy of PC CD dated xx/xx/xx received with LOE to borrower, Copy of refund check in the amount of $xxx, and (courier) tracking. Delivery verified xx/xx/xx. Receipt of this PC CD and refund is sufficient to cure the 0% tolerance fee. PC CD dated xx/xx/xx reflecting the additional refund of $xxx would not be required to be provided. Finding downgraded to EV2/B for Post-closing corrective action.&nbsp;&nbsp;&nbsp;&nbsp; <br>03/13/25 Copy of cure package received for approval. LOE to borrower, refund check in the amount of $xxx, (courier) tracking, and PC CD received.<br>\*\* Finding remains, PC CD reflects lender credit for fees over the legal limit of $-xxx. Cure amount is $xxx. Missing corrected reflecting the correct lender credit to match refund.<br>03/07/2025 Recd from lender: Can you please confirm cure amount?<br>\*\*CBR increased from $xxx to $xxx which is a variance of $xxx. | Client: EV/B Post-Closing corrective action- Copy of PC CD dated xx/xx/xx received with LOE to borrower, Copy of refund check in the amount of $xxx, and (courier) tracking. Delivery verified xx/xx/xx. Receipt of this PC CD and refund is sufficient to cure the 0% tolerance fee. | Approved C B |
| 900001548 | XXXX | 1099959 | 03/06/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing written business narrative, required per guidelines.<br>|  | Verified employment history - The borrower's business has been in operation since 2012.; Low DTI - DTI 21.56%, up to 45% acceptable; | 03/18/25 Email received from LRCP: An exception has been approved for lack of business narrative on the above referenced loan. Please waive/downgrade the condition in the Clean Room. | Client: Investor Acknowledged Exception | Funded C B |
| 900001548 | XXXX | 1100104 | 03/07/2025 | Credit | Missing Verifiable Months of Income Earnings | CRED 0067 | 1 | Closed | Missing p1 of the 2/29/2024 statement used in income calculation, only pages 2-6 present in the file (p504). Unable to complete review of 12 months bank statements, used the XX/XX net deposits of $325,810.52 from the calculator.<br>| 03/11/2025 | Verified employment history - The borrower's business has been in operation since 2012.; Low DTI - DTI 21.56%, up to 45% acceptable; |  | 03/11/25 Page 1 of statement received. Deposits/income calculation updated. - 03/11/25 Page 1 of statement received. Deposits/income calculation updated. | Funded C A |
| 900001571 | XXXX | 1099853 | 03/06/2025 | Compliance | Missing revised LE after Change of Circumstance | TRID 0172 | 1 | Closed | COC (Page xxx) states loan amount was changed on 02/06/2025 to XXXX. COC (Page xxx) states the same change, disclosed with CD issued XX/XX/XXXX. Missing LE or CD showing change in loan amount corresponding to COC issued XX/XX/XXXX within the required timeframe. | 03/24/2025 |  | 03/20/25 Lender disagrees with this finding. The Loan is considered Floating and was not locked at time of COC request dated 02/06 by the broker client. The original LE is still deemed to be in good faith and<br>re-disclosure is not required as the figures do not exceed tolerance. | 03/20/25 Cleared per lender response as no corresponding disclosure was issued with the COC. Updated disclosure provided at the time the loan was locked. - 03/20/25 Cleared per lender response as no corresponding disclosure was issued with the COC. Updated disclosure provided at the time the loan was locked. | Approved C |
| 900001571 | XXXX | 1099856 | 03/06/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | Initial CD issued 02/19/2025 discloses an APR of 8.824%. The rate is lowered and the final APR disclosed on CD issued 02/24/2025 is 8.472%. Corrected APR was not disclosed 3 days prior to closing. |  |  |  | Client: EV2/B Non-Material APR decreased thus benefit to borrower. | Approved C B |
| 900001571 | XXXX | 1099989 | 03/07/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing final approval/1008. The documents in the file (pxx, 158) reflects an interest rate of 8.375%, per the Note (pxxx) the interest rate is 8.125%. | 03/19/2025 |  |  | 03/17/25 Final loan approval reflecting rate of 8.125% received. - 03/17/25 Final loan approval reflecting rate of 8.125% received. | Approved C |
| 900001532 | XXXX | 1100223 | 03/10/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Escrow Account information on the Final CD dated xx/xx/xx does not reflect if the borrower declined or if the lender did not offer an escrow account. |  | Low LTV/CLTV/HCLTV - Low CLTV of 59.46%.; Verified occupancy in subject property - Borrowers have occupied the subject property for xxx years.; Income verified was not used in qualifying - B2 has a full time job with (employer) and her income was not used or needed in qualification.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001536 | XXXX | 1100087 | 03/07/2025 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | The subject property has financed solar panels, per the credit report the balance is $xxx. Appraiser comments that the borrower stated the panels would be paid off at closing and if they were not there could be an impact on the conclusion of the appraisal report. Per the final CD they are not paid off and there is no credit supplement reflecting a $0 balance. Missing updated appraiser comments adjusting as needed to address the financed solar panels. | 03/13/2025 | Verified employment history - The borrower has been with their current employer xxx years.; Low DTI - DTI 34.72%, up to 45% acceptable.; |  | 03/12/25 Updated appraisal received. Supplemental Addendum reflects the following update \*\*xx/xx/xx Revision Request\*\* If solar panels are not paid off at closing, the conclusion does not appear to be impacted since the conclusion of this report is still supported. - 03/12/25 Updated appraisal received. Supplemental Addendum reflects the following update \*\*xx/xx/xx Revision Request\*\* If solar panels are not paid off at closing, the conclusion does not appear to be impacted since the conclusion of this report is still supported. | Funded C A |
| 900001540 | XXXX | 1100062 | 03/07/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing wage & income transcripts as required by guidelines. | 03/19/2025 | Verified reserves - 36 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has occupied the subject property for xxx years.; |  | 03/17/25 xxxx/xxxx 1040 transcripts received. - 03/17/25 xxxx/xxxx 1040 transcripts received. | Approved C |
| 900001551 | XXXX | 1100158 | 03/10/2025 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing verification of the borrower's xxx employment within 30 calendar days of the Note date, as required per guidelines. There is a CPA Letter in the file (pXX-XX) but it is not dated. No verification of the CPA in the file. | 03/13/2025 | Verified reserves - 2 months PITIA reserves or $xxx required, borrower is receiving 39.82 months PITIA or $xxx in cash out proceeds.; Verified credit history - FICO 777, minimum required 700.; |  | 03/13/25 CPA letter dated xx/xx/xx received. - 03/13/25 CPA letter dated xx/xx/xx received. | Approved C |
| 900001551 | XXXX | 1100160 | 03/10/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing written Business Narrative, as required per guidelines. |  | Verified reserves - 2 months PITIA reserves or $xxx required, borrower is receiving 39.82 months PITIA or $xxx in cash out proceeds.; Verified credit history - FICO 777, minimum required 700.; | 03/18/25 Email received from LRCP: LRP has approved this exception, please clear. | Client: Investor acknowledged Exception | Approved C B |
| 900001552 | XXXX | 1100067 | 03/07/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal Description is not attached to or contained within Mortgage. | 03/13/2025 | Verified employment history - Borrower has been employed with (company) as (occupation) for xxx years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for xxx years.; |  | 03/12/25 Schedule A to mortgage received. - 03/12/25 Schedule A to mortgage received. | Funded C A |
| 900001552 | XXXX | 1100079 | 03/07/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated xx/xx/xx does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified employment history - Borrower has been employed with (company) as (occupation) for xxx years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for xxx years.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001562 | XXXX | 1100495 | 03/12/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Updated: Final CD (date) disclosed Estimated Property Costs over Year 1 of $8765.88. With verified HOA dues of $571/month, review calculated $11,775.00. Variance is due to lender using the basic policy premium vs the actual policy premium of $1628.12 and HOA dues of $335/month.<br>Original: Final CD (date) disclosed Estimated Property Costs over Year 1 of $8765.88. Review calculated $8943. Variance is due to lender using the basic policy premium vs the actual policy premium of $1628.12 \*\* Note final calculation is pending verification of subject HOA dues.\*\* |  | Low LTV/CLTV/HCLTV - Low CLTV 59.23%.; Verified reserves - 191 months of verified reserves when none were required per guidelines based on low LTV.; Verified employment history - Borrower has been employed with (business) as (position) for 14.8 years.; | 03/31/2025 - Recd PCCD with cover letter. | 04/02/2025 03/31/2025 - Recd PCCD with cover letter. | Approved C B |
| 900001562 | XXXX | 1100499 | 03/12/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing copy of the final settlement statement for dry funding state to verify the actual disbursement date. Final CD (date) reflects the disbursement (date) which is the same date that the ROR expired. Earliest disbursement date would have been (date). | 03/21/2025 | Low LTV/CLTV/HCLTV - Low CLTV 59.23%.; Verified reserves - 191 months of verified reserves when none were required per guidelines based on low LTV.; Verified employment history - Borrower has been employed with (business) as (position) for 14.8 years.; |  | 03/21/2025 - Final Settlement Statement provided reflecting a disbursement (date). Finding cleared. - 03/21/2025 - Final Settlement Statement provided reflecting a disbursement (date). Finding cleared. | Approved C |
| 900001562 | XXXX | 1100500 | 03/12/2025 | Credit | HOA Payment is not verified | CRED 0133 | 1 | Closed | Missing verification of subject HOA dues. Review utilized estimated amount of $335 per the 1008 to qualify. | 03/28/2025 | Low LTV/CLTV/HCLTV - Low CLTV 59.23%.; Verified reserves - 191 months of verified reserves when none were required per guidelines based on low LTV.; Verified employment history - Borrower has been employed with (business) as (position) for 14.8 years.; |  | 03/28/2025 3/28/2025 - Recd evidence of subject HOA payment, $571/month. DTI with HOA and VA benefits 39.98%. - 03/28/2025 3/28/2025 - Recd evidence of subject HOA payment, $571/month. DTI with HOA and VA benefits 39.98%. | Approved C |
| 900001562 | XXXX | 1100680 | 03/13/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing documentation to verify (agency) benefits of $1523.93 used to qualify for B1. (DTI excluding this income results to 45.72%. It is noted that the borrower does qualify for DTI up to 50%) | 03/28/2025 | Low LTV/CLTV/HCLTV - Low CLTV 59.23%.; Verified reserves - 191 months of verified reserves when none were required per guidelines based on low LTV.; Verified employment history - Borrower has been employed with (business) as (position) for 14.8 years.; |  | 3/28/2025 - Recd evidence of (agency) Benefit, $4,044.91. DTI with HOA and (agency) benefits 39.98%. - 03/28/2025 3/28/2025 - Recd evidence of VA Benefit, $4,044.91. DTI with HOA and VA benefits 39.98%. | Approved C |
| 900001546 | XXXX | 1100394 | 03/12/2025 | Credit | Missing Final 1003 Application | APP 0001 | 1 | Closed | Missing copies of the final executed 1003s for all borrowers. Application in file indexed as "Final" is the initial which was executed by the borrowers on xx/xx/xx. Closing date xx/xx/xx. | 03/18/2025 | Verified reserves - 11 months verified reserves when guidelines required 2 months.; Verified employment history - B1 has been employed with employer for xxx years as (occupation).; |  | 03/18/25 Final executed 1003s for all borrowers received. - 03/18/25 Final executed 1003s for all borrowers received. | Funded D A |
| 900001546 | XXXX | 1100491 | 03/12/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified reserves - 11 months verified reserves when guidelines required 2 months.; Verified employment history - B1 has been employed with employer for xxx years as (occupation).; |  | Client: EV2/B Non-Material | Funded C B |
| 900001569 | XXXX | 1100424 | 03/12/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged |  |  |  |  |  | Approved C B |
| 900001569 | XXXX | 1100591 | 03/13/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing business narrative as required for bank statement program. | 03/18/2025 |  |  | 03/14/25 Business narrative received. - 03/14/25 Business narrative received. | Approved C |
| 900001570 | XXXX | 1100464 | 03/12/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | COC (Page 50) for the increased credit report fee ($25 to $55) states reason for the increase is actual cost per invoice. This would not be considered valid change in circumstance for the increase. Refund for fees over the legal limit required. |  | Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 9 years.; | 03/26/25 Delivery verified.<br>03/21/25 LOE, PC CD dated 03/20/25, refund check in the amount of $30, and Fed-Ex tracking received. Tracking reflects label created.<br>\*\* Finding remains, pending confirmation of borrower receipt.<br>03/17/25 Received from lender: Can you please confirm the cure amount?<br>\*\* CBR fee increased from $25 to $55, cure amount $30. | Client: EV2/B Post-Closing Corrective Action -03/26/25 Delivery verified.<br>03/21/25 LOE, PC CD dated 03/20/25, refund check in the amount of $30, and Fed-Ex tracking received. | Funded C B |
| 900001572 | XXXX | 1100612 | 03/13/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged |  |  |  |  |  | Funded C B |
| 900001572 | XXXX | 1100786 | 03/14/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged |  |  |  |  |  | Funded C B |
| 900001556 | XXXX | 1100539 | 03/12/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for added title endorsement of $xxx. Appraisal was completed subject to, thus requiring a re-inspection fee of $xxx added on CD issued xx/xx/xx. Discount increase may be removed due to rounding. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xx/xx/xx: Loan Discount, Title Endorsements, Re-Inspection Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). | 03/26/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 58.82%.; Verified employment history - Borrower has been employed with current employer for xxx years.; | 03/18/25 Recd from lender: Can you please advise the cure amount?<br>\*\* Cure amount $xxx for zero tolerance fees over the limit. (Added title endorsement $xxx, Final Inspection Fee $xxx.) | 03/25/25 COC dated xx/xx/xx for re-inspection fee received. Finding cleared upon re-submission with COC. - 03/25/25 COC dated xx/xx/xx for re-inspection fee received. Finding cleared upon re-submission with COC. | Funded C A |
| 900001559 | XXXX | 1100649 | 03/13/2025 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed |  | 03/25/2025 | Verified employment history - B1 has been employed with current employer for 15 years. B2 has been employed with current employer for 18 years.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 8 years.; | 03/25/25 Email received from LRCP: We would not consider this an exception as the property is owned "fee simple" and Indian claims are considered a minor impediment per Fannie if the title company insures against loss. In this case, the title company is insuring against any loss from this claim per the language in report.<br>03/24/25: Can you please advise what is needed?<br>\*\* Pending reply to Email sent to investor for acknowledgment of title exception. | 03/25/25 Email received from LRCP: We would not consider this an exception as the property is owned "fee simple" and Indian claims are considered a minor impediment per Fannie if the title company insures against loss. In this case, the title company is insuring against any loss from this claim per the language in report. - 03/25/25 Email received from LRCP: We would not consider this an exception as the property is owned "fee simple" and Indian claims are considered a minor impediment per Fannie if the title company insures against loss. In this case, the title company is insuring against any loss from this claim per the language in report. | Approved C |
| 900001568 | XXXX | 1100605 | 03/13/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for CD issued 3/3/2025 on page 696 increasing the discount fee. |  | Verified reserves - 12 months of verified reserves when guidelines required 2 months.; Verified employment history - B1 has been employed with current employer 16.5 years.; |  |  | Funded C B |
| 900001585 | XXXX | 1100712 | 03/14/2025 | Compliance | Final Application not provided within 1 business day of closing | TXEQ 0008 | 2 | Acknowledged | Final app (xxx) esigned date typed x/x/xxxx. Security agreement (xx) hand signed x/x/xxxx. |  | Low LTV/CLTV/HCLTV - Low CLTV of 57.47%.; Low DTI - Low DTI of 28.88%.; |  | Client: EV2 Post-Closing Corrective Action | Approved C B |
| 900001585 | XXXX | 1100713 | 03/14/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | CD issued xx/xx/xxxx (xxx) has disbursement date of xx/xx/xxxx. ROR (xxx) hand dated xx/xx/xxxx. | 03/26/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 57.47%.; Low DTI - Low DTI of 28.88%.; | 03/25/25 Recd from lender: The borrower made a mistake with the notary and we got it corrected. That is why we had two RTC in the file.<br>xx/xx/xxxx ROR reflecting transaction date and execution date of xx/xx/xx and expiration date of xx/xx/xx received.<br>\*\* Finding remains, lender to provide explanation as to why the borrower re-executed the ROR on xx/xx/xx. Unable to verify if the expiration date should have been updated to xx/xx/xx with the earliest disbursement date being xx/xx/xx. <br>03/18/25 Recd from lender: Disbursement date is xx/xx while the RTC was signed xx/xx. Please advise.<br>\*\* RORs in file pgs xxx-xxx reflect a transaction date of xx/xx/xx, expiration xx/xx/xx. Borrower executed and hand dated the ROR on xx/xx/xx. Based on xx/xx/xx transaction date the expiration date would be xx/xx/xx with the earliest disbursement date being xx/xx/xx. Per the CD the loan disbursed xx/xx/xx which is earlier than allowed. | 03/19/25 ROR reflecting transaction date and execution date of xx/xx/xxxx and expiration date of xx/xx/xxxx received. Lender verified the borrower made a mistake with the notary and we got it corrected. That is why there were two RTC in the file.<br>- 03/19/25 ROR reflecting transaction date and execution date of xx/xx/xxxx and expiration date of xx/xx/xxxx received. Lender verified the borrower made a mistake with the notary and we got it corrected. That is why there were two RTC in the file. | Approved C |
| 900001585 | XXXX | 1100714 | 03/14/2025 | Compliance | ROR cannot expire in less than 3 business days from the execution or transaction date | ROR 0012 | 1 | Closed | ROR (xxx) hand dated same date as expiration date of xx/xx/xxxx. | 03/26/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 57.47%.; Low DTI - Low DTI of 28.88%.; | 03/19/25 ROR reflecting transaction date and execution date of xx/xx/xxxx and expiration date of xx/xx/xx received.<br>\*\* Finding remains, lender to provide explanation as to why the borrower re-executed the ROR on xx/xx/xx. Unable to verify if the expiration date should have been updated to xx/xx/xx with the earliest disbursement date being xx/xx/xx. <br>03/18/25 Recd from lender: Disbursement date is xx/xx while the RTC was signed xx/xx. Please advise.<br>\*\* RORs in file pgs xxx-xxx reflect a transaction date of xx/xx/xx, expiration xx/xx/xx. Borrower executed and hand dated the ROR on xx/xx/xx. Based on xx/xx/xx transaction date the expiration date would be xx/xx/xx with the earliest disbursement date being xx/xx/xx. | 03/19/25 ROR reflecting transaction date and execution date of xx/xx/xxxx and expiration date of 03/06/25 received. Lender verified the borrower made a mistake with the notary and we got it corrected. That is why there were two RTC in the file. - 03/19/25 ROR reflecting transaction date and execution date of xx/xx/xxxx and expiration date of 03/06/25 received. Lender verified the borrower made a mistake with the notary and we got it corrected. That is why there were two RTC in the file. | Approved C |
| 900001543 | XXXX | 1100860 | 03/17/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval/underwriting decision. | 03/18/2025 | Verified reserves - No reserves required, borrower is receiving $xxx or 37.91 months reserves in cash out proceeds.; Verified housing payment history - 24 months satisfactory mortgage payment history required, 1st mortgage 47x0x30; |  | 03/18/25 Lender loan approval received. - 03/18/25 Lender loan approval received. | Funded C A |
| 900001588 | XXXX | 1100750 | 03/14/2025 | Credit | Trust Agreement is Incomplete | TRST 0003 | 1 | Closed | Trust certificate is not executed. | 03/18/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 32.19%.; Verified employment history - Borrower has been employed with (redacted) as Sr Systems Administrator for 17 years.; |  | 03/18/25 Executed and notarized Certification of Trust received. - 03/18/25 Executed and notarized Certification of Trust received. | Funded C A |
| 900001588 | XXXX | 1100758 | 03/14/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 2 | Acknowledged | 2nd Trustee ROR dates were changed to reflect transaction (date) and expiration (date). Same date as the disbursement date on final CD issued (date). |  | Low LTV/CLTV/HCLTV - Low CLTV of 32.19%.; Verified employment history - Borrower has been employed with (redacted) as Sr Systems Administrator for 17 years.; | 04/10/2025 - Exception is downgraded to EV2/B with the attached PCCD / dry funding CD that matches the final settlement statement presented (date), disbursement (date).<br>04/04/2025 - Recd final settlement statement confirming disbursement (date). Final figures on the settlement statement do not match to the CD in file. Missing a copy of the fry funding CD reflecting final figures.<br>03/25/25 Recd from lender: I am reviewing for validity and assuming this is valid, what are you requiring for remedy?<br>\*\* CA is a dry funding state. Provide copy of the final settlement statement to verify the actual disbursement date. If loan did disburse on the 10th the recession period will have to be re-opened. | Client: 04/10/2025 - Exception is downgraded to EV2/B with the attached PCCD / dry funding CD that matches the final settlement statement presented (date), disbursement (date). | Funded C B |
| 900001588 | XXXX | 1104925 | 04/14/2025 | Compliance | Last Closing Disclosure Total Interest Percentage (TIP) < System Calculated | TRID 0077 | 1 | Closed |  | 04/14/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 32.19%.; Verified employment history - Borrower has been employed with (redacted) as Sr Systems Administrator for 17 years.; |  |  | Funded C A |
| 900001592 | XXXX | 1100788 | 03/14/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing valid COC for increase in Loan Discount Fee on Final CD issued xx/xx/xx (pg. xxx). COC on page xxx says loan parameters update - pricing change. No explanation for what parameters were updated nor why pricing changed. Rate did not change. |  | Verified reserves - No reserves required, borrower is receiving ($) or 25.34 months reserves in cash out proceeds.; Low LTV/CLTV/HCLTV - CLTV 49.36%, up to 85% acceptable.; |  | Client: 3/28/2025 - Recd PCCD, LOE, evidence of ($) refund and FedEx Label. Exception downgraded to EV2 due to post closing corrective action. | Funded C B |
| 900001592 | XXXX | 1100898 | 03/17/2025 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing verification of employment for B2 within 10 business days prior to the note date. The only VOE in the file is for B1 which was not used. | 04/14/2025 | Verified reserves - No reserves required, borrower is receiving ($) or 25.34 months reserves in cash out proceeds.; Low LTV/CLTV/HCLTV - CLTV 49.36%, up to 85% acceptable.; |  | 03/20/25 VVOE for B2 completed xx/xx/xx received. - 03/20/25 VVOE for B2 completed xx/xx/xx received. | Funded C A |
| 900001592 | XXXX | 1101602 | 03/24/2025 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 2 | Acknowledged | Added 03/24/25 Missing paystub dated w/in 15 days of closing or VVOE completed prior to closing. Most current pay stub is dated xx/xx/xx, Note date xx/xx/xx, VVOE xx/xx/xx. |  | Verified reserves - No reserves required, borrower is receiving ($) or 25.34 months reserves in cash out proceeds.; Low LTV/CLTV/HCLTV - CLTV 49.36%, up to 85% acceptable.; | 04/11/25 Email from LRCP exception for loan has been a<br>04/02/25 Recd from lender: TWN shows borrower active currently which indicates borrower was active at the time of settlement. We will need to request consideration to accept.<br>\*\* EMail sent to LRCP with details for consideration. <br>3/28/2025 - Response from lender through (redacted): Please accept the verbal voe. Thank you.<br>\*\*TWN dated 3/19/2025 recd. Note date is xx/xx/xx and guidelines require a VVOE 10 business days prior to the note date, exception remains pending VOE completed prior to closing within the timeline required by the guideline. | Client: EV2/B Investor Acknowledged exception | Funded C B |
| 900001553 | XXXX | 1100851 | 03/17/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 1 | Closed | Lender credit of xxx is insufficient to cure the fee variance caused by increase in subordination fee of $xxx on CD issued xx/xx/xx and variance allowed on increase of recording fees of $xxx on CD issued xx/xx/xx. Since lender credit is less than the total variance amount of $xxx, it is not sufficient to cure the variance. -- A Lender Credit for Excess Charges of ($xxx), Principal Reduction for Excess Charges of ($xxx), and general or specific lender credit increases of ($xxx) were applied to the total fee variance of ($xxx) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. | 03/21/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 60.48%.; Low DTI - Low DTI of 26.68%.; Verified employment history - B2 has been employed with (company) as (title) for xxx years.; |  | 03/21/2025 - xx/xx/xx COC for addition of Subordination Fee and increase of Recording fee provided. Finding cleared. - 03/21/2025 - xx/xx/xx COC for addition of Subordination Fee and increase of Recording fee provided. Finding cleared. | Approved C |
| 900001615 | XXXX | 1100871 | 03/17/2025 | Compliance | Closed-End APR Disclosure Tolerance | TRID 0087 | 2 | Acknowledged | Lender Compliance Report shows ($) Settlement Agent Fee was not included in Lender calculated Finance Charge. Inclusion of fee in finance charge total creates an APR violation. (Note: Tested fee description as both Settlement Fee and Signing Agent Fee with same results.) -- The disclosed APR (9.689) is lower than the actual APR (9.889) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) |  | Verified reserves - 15 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 3 years.; | 04/10/2025 - EV2/B Recd PCCD (no changes from prior pccd), cover letter, refund check ($), and courier receipt to evidence delivery to borrower was completed within 60 days of consummation. New rescission period expired (Stip xx/xx)<br>04/04/2025 - Recd PCCD, cover letter, ROR forms (Exp x/x), and courier tracking receipt to evidence delivery to borrower (##### Delivered xx/xx/xxxx). Borrower signed and returned the documents, but the signed copies were not presented for review.<br>--Finding remains. Missing is a copy of the refund check with evidence of trackable delivery to borrower completed within 60 days of consummation. <br>| 04/10/2025 - EV2/B Recd PCCD (no changes from prior pccd), cover letter, refund check ($), and courier receipt to evidence delivery to borrower was completed within 60 days of consummation. New rescission period expired (Stip xx/xx) - Client: 04/10/2025 - EV2/B Recd PCCD (no changes from prior pccd), cover letter, refund check ($), and courier receipt to evidence delivery to borrower was completed within 60 days of consummation. New rescission period expired (Stip xx/xx)<br>04/10/2025 - EV2/B Recd PCCD (no changes from prior pccd), cover letter, refund check ($), and courier receipt to evidence delivery to borrower was completed within 60 days of consummation. New rescission period expired (Stip xx/xx) | Funded C B |
| 900001615 | XXXX | 1100873 | 03/17/2025 | Compliance | Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 | TRID 0089 | 2 | Acknowledged | Lender Compliance Report shows ($) Settlement Agent Fee was not included in Lender calculated Finance Charge. (Note: Tested fee description as both Settlement Fee and Signing Agent Fee with same results.) -- The disclosed finance charge ($) is ($) below the actual finance charge ($). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) |  | Verified reserves - 15 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 3 years.; | 04/10/2025 - Recd PCCD (no changes from prior pccd), cover letter, refund check ($), and courier receipt to evidence delivery to borrower was completed within 60 days of consummation. <br>--Finding remains. Attached RORs providing a new rescission period were signed and dated by the borrower on xx/xx and have an expiration date of xx/xx. Borrowers were not provided a full 3 days to rescind the transaction.<br>04/04/2025 - Recd PCCD, cover letter, ROR forms (Exp xx/xx), and courier tracking receipt to evidence delivery to borrower (##### Delivered xx/xx/xxxx). Borrower signed and returned the documents, but the signed copies were not presented for review.<br>--Finding remains. Missing is a copy of the refund check with evidence of trackable delivery to borrower completed within 60 days of consummation. | 04/10/2025 - EV2/B Recd PCCD (no changes from prior pccd), cover letter, refund check ($), and courier receipt to evidence delivery to borrower was completed within 60 days of consummation. New rescission period expired (Stip xx/xx) - Client: 04/23/2025 - RTC was delivered to borrower on xx/xx/xx per Fedex tracking provided. 3 days to rescind was xx/xx as was dated on the RTC delivered to the borrower for the reopening of rescission. Finding resolved with post close cure EV2/B.<br>04/10/2025 - EV2/B Recd PCCD (no changes from prior pccd), cover letter, refund check ($), and courier receipt to evidence delivery to borrower was completed within 60 days of consummation. New rescission period expired (Stip xx/xx) | Funded C B |
| 900001615 | XXXX | 1100952 | 03/18/2025 | Credit | Non-Arms Length Transaction | CRED 0026 | 1 | Closed | Broker has the same last name as borrower. Per Fraud Guard cleared comment, this is a non-arms length transaction - per guidelines this is not a conflict of interest. Missing investor acknowledgement for the relationship between borrower, non-borrowing title holder, and broker. | 03/24/2025 | Verified reserves - 15 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 3 years.; |  | 03/20/25 Recd LOE from LO confirming that the borrower is his sister. Per guidelines the only restrictions to a Non-Arm's length transaction are related to FSBO. Finding cleared. - 03/20/25 Recd LOE from LO confirming that the borrower is his sister. Per guidelines the only restrictions to a Non-Arm's length transaction are related to FSBO. Finding cleared. | Funded C A |
| 900001578 | XXXX | 1100963 | 03/18/2025 | Credit | Trust Agreement is Incomplete | TRST 0003 | 1 | Closed | Missing copy of Trust documents or executed Certification of trust. Trust cert (page xxx/xxx) provided is not executed. | 03/20/2025 | Verified employment history - B1 has been self employed owner for 9 years. B2 has been employed with current employer for 27 years.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 17 years.; |  | 03/20/25 Executed Certification of Trust received. - 03/20/25 Executed Certification of Trust received. | Approved C |
| 900001578 | XXXX | 1100968 | 03/18/2025 | Compliance | Missing Intent to Proceed | TRID 0130 | 1 | Closed | Missing executed Intent to Proceed. ITP on page xxx is not executed. | 03/20/2025 | Verified employment history - B1 has been self employed owner for 9 years. B2 has been employed with current employer for 27 years.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 17 years.; |  | 03/20/25 ITP received. - 03/20/25 ITP received. | Approved C |
| 900001620 | XXXX | 1100981 | 03/18/2025 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | 8. Judgment in favor of (redacted) (Default Final Judgment on page xxx IAO ($)). <br> 9. Judgment Instrument no. xxxxxxxxx. No certified copies have been recorded as of the effective date hereof.<br> 10.Judgment Instrument no. xxxxxxxxx. No certified copies have been recorded as of the effective date hereof.<br> 11.Judgment Instrument no. xxxxxxxxx. Although the prelim is dated xx/xx/xx it reads No certified copies have been recorded as of the effective date hereof, yet default final judgment matching instrument #xxxxxxxxx recorded xx/xx/xx IAO Principal ($) with cost of ($) is on page xxx. <br> \*\*Non-Identity Affidavit in file recorded xx/xx/xx, page xxx. Non-Identity Affidavit not referenced within title commitment. New affidavit with subject signing not within file. | 03/28/2025 | Verified employment history - B1 has been employed with current employer for 17.5 years.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 7.3 years.; | 03/20/25 Recd from lender: Title-Schedule B Exception is in the report. This is in the file.<br>\*\* Finding remains, missing copy of final title policy to verify the judgements were cleared by title OR a New Non-Identity Affidavit for the subject transaction. | 3/28/2025 - Recd short form final title policy with no judgments reflected. - 3/28/2025 - Recd short form final title policy with no judgments reflected. | Approved C |
| 900001620 | XXXX | 1100993 | 03/18/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for CD issued 3/7/2025 (page 36) for the re-added credit and processing that was removed on prior CD issued xx/xx/xxxx (page xx). | 03/21/2025 | Verified employment history - B1 has been employed with current employer for 17.5 years.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 7.3 years.; |  | 3/21/2025: Credit report fee and Processing fee on the Final CD are less than on the Initial LE. Exception cleared. - 3/21/2025: Credit report fee and Processing fee on the Final CD are less than on the Initial LE. Exception cleared. | Approved C |
| 900001620 | XXXX | 1101061 | 03/19/2025 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing PUD Rider. Subject mortgage page xxx is not marked as having a PUD Rider. Title reflects the subject to be a PUD and the Mortgage to the 1st lien includes a PUD rider (pg xxx). | 04/15/2025 | Verified employment history - B1 has been employed with current employer for 17.5 years.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 7.3 years.; | 03/20/25 Recd from lender: PUD Rider-This is in the file.<br>\*\*Finding remains, PUD rider provided is dated xx/xx/xx and was associated to the 1st lien mortgage. Missing PUD rider to the subject transaction/mortgage. | 04/14/25 Copy of recorded mortgage with executed PUD rider received. - 04/14/25 Copy of recorded mortgage with executed PUD rider received. | Approved C |
| 900001584 | XXXX | 1101112 | 03/19/2025 | Compliance | NMLS IDs do not match | NMLS 0011 | 1 | Closed | Final application pg 590 reflects Lender's state License ID of ##### instead of the NMLS ID of ####. | 04/15/2025 | Verified housing payment history - 87 months of verified mortgage history paid 0x30 since 02/2017.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 4.2 years.; | Loan Officer (redacted) works for (redacted) Branch location at (redacted address)<br> - Based on the snapshot from NMLS website, (redacted) has location (redacted address) registered as a branch location with NMLS ID #####<br> - Based on the fact that the LO is tied to the XXXX location, and the XXXX location is registered in NMLS, the 1003 is completed correctly<br>04/04/2025 - Please see attached the NMLS printout reflecting NMLS ####### and state NMLS #####. Both of these are referenced on the final 1003. Please see page x of the final 1003.<br> --Finding remains. (redacted) NMLS ID ####, as reflected on Note (pg xx), DOT (pg xxx), and CD (pg xxx). The 1003 reflects the state license ID ##### in the LO Organization NMLS ID and State License ID. | 04/14/25 Response from compliance department received confirming that the ID ##### is the branch ID. Finding cleared. - 04/14/25 Response from compliance department received confirming that the ID ##### is the branch ID. Finding cleared. | Funded C A |
| 900001584 | XXXX | 1105544 | 04/17/2025 | Credit | Missing Cash to Borrower | HUD 0017 | 1 | Closed | Subject loan is a no cost refinance to borrower to cure defects from prior loan closed in xx/xx. Original Cash in hand ($), Cash with debt ($). | 04/17/2025 | Verified housing payment history - 87 months of verified mortgage history paid 0x30 since 02/2017.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 4.2 years.; |  | Noted for Informational purposes as loan appears to be a rate term per the subject CD. - Noted for Informational purposes as loan appears to be a rate term per the subject CD. | Funded C A |
| 900001584 | XXXX | 1105545 | 04/17/2025 | Credit | Missing Cash to Borrower including Debt Payment | HUD 0018 | 1 | Closed | Subject loan is a no cost refinance to borrower to cure defects from prior loan closed in xx/xx. Original Cash in hand ($), Cash with debt ($). | 04/17/2025 | Verified housing payment history - 87 months of verified mortgage history paid 0x30 since 02/2017.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 4.2 years.; |  | Noted for Informational purposes as loan appears to be a rate term per the subject CD. - Noted for Informational purposes as loan appears to be a rate term per the subject CD. | Funded C A |
| 900001596 | XXXX | 1101240 | 03/20/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing (years) (individual) transcripts. If (individual) transcripts support support business income (business) transcripts are not required. | 04/08/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 55.79%.; Verified occupancy in subject property - Borrower has owned and occupied the subject property for 11.6 years.; | 04/05/2025 - Recd most recent two years tax transcripts. | 04/05/2025 - Recd most recent two years tax transcripts. - 04/05/2025 - Recd most recent two years tax transcripts. | Approved C |
| 900001558 | XXXX | 1101633 | 03/25/2025 | Compliance | NMLS IDs do not match | NOTE 0059 | 2 | Acknowledged |  |  |  |  |  | Funded C B |
| 900001581 | XXXX | 1101834 | 03/26/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing documentation used to clear High Fraud alert for possible association with a business although self-employment was not disclosed. | 03/28/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 58.057%; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 23 years.; |  | 3/28/2025 - Recd LoanSafe Alerts summary with items addressed. Alert cleared as the business is no longer active. Fraud report reflects last see 11/28/2017 and no longer active (orig file pxxx) - 3/28/2025 - Recd LoanSafe Alerts summary with items addressed. Alert cleared as the business is no longer active. Fraud report reflects last see 11/28/2017 and no longer active (orig file pxxx) | Funded C A |
| 900001583 | XXXX | 1101717 | 03/25/2025 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing the disclosure tracking to verify receipt of the LE issued (date) is stamped for electronic receipt but the date is illegible. | 04/02/2025 | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 13.5 years.; Low DTI - Low DTI of 28.69% < 45%.; | 03/28/2025 - Recd disclosure tracking. | 03/28/2025 - Recd disclosure tracking. - 03/28/2025 - Recd disclosure tracking. | Approved C |
| 900001583 | XXXX | 1101734 | 03/25/2025 | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 2 | Acknowledged | Missing copy of Final CD for dry funding state. CD issued (date) shows disbursement (date) and an Interest From (date). Final settlement statement also reflects interest from (date). |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 13.5 years.; Low DTI - Low DTI of 28.69% < 45%.; | 03/31/2025 - Exception is downgraded to EV2/B with the attached PCCD.<br>| 04/02/2025 03/31/2025 - Exception is downgraded to EV2/B with the attached PCCD. | Approved C B |
| 900001599 | XXXX | 1101745 | 03/25/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated (date) disclosed Estimated taxes, Insurance, and Assessments of ($) with Estimated Property Costs over 1 yr of ($) (12 mths). Review calculated Estimated taxes, Insurance, and Assessments of ($) with Estimated Property Costs over 1 yr of ($) (12 mths). |  | Verified employment history - Borrower has been self employed for 15.91 years.; Verified occupancy in subject property - Borrower has occupied/owned the subject property for 7.5 years.; | 04/10/2025 - EV2/B Recd PCCD and cover letter. | Client: 04/10/2025 - EV2/B Recd PCCD and cover letter. | Funded C B |
| 900001599 | XXXX | 1101746 | 03/25/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD issued and received (date) states an APR of 8.956%. <br>CD issued and received (date) states an APR of 8.828%. <br>CD issued (date) and received (date) states an APR of 8.778%. |  | Verified employment history - Borrower has been self employed for 15.91 years.; Verified occupancy in subject property - Borrower has occupied/owned the subject property for 7.5 years.; |  | Client: EV2/B Non-Material APR Decreased. | Funded C B |
| 900001599 | XXXX | 1101947 | 03/26/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing business narrative for self employment bank statement qualification. |  | Verified employment history - Borrower has been self employed for 15.91 years.; Verified occupancy in subject property - Borrower has occupied/owned the subject property for 7.5 years.; | 04/03/25 Recd from investor: We are ok with granting an exception for missing business narrative. | Client: Investor Acknowledged Exception. | Funded C B |
| 900001566 | XXXX | 1102029 | 03/27/2025 | Compliance | Missing Evidence of valid COC for interim disclosed Loan Estimate/Closing Disclosure. | TRID 0161 | 2 | Acknowledged | Missing valid COC for increase in Credit Report Fee from $25 to $55 on CD issued (date). COC says loan amount lowered due to lower appraised value, resulting in increased origination fee (discount points increased). This does not justify an increase in the credit report fee. |  | Verified reserves - 39 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed as a (position) for 16.5 years.; | EV2/B - Recd PCCD, cover letter, coy of refund check $30, and courier tracking receipt to evidence delivery to borrower within 60 days of consummation. | Client: EV2/B - Recd PCCD, cover letter, coy of refund check $30, and courier tracking receipt to evidence delivery to borrower within 60 days of consummation. | Approved C B |
| 900001606 | XXXX | 1102199 | 03/28/2025 | Compliance | CD is not within 3 business days of Change of Circumstance. | TRID 0163 | 1 | Closed | Two COC disclosures with describing a change in the loan amount, one dated xx/xx/xxxx and one dated xx/xx/xxxx (Page xxx, xxx). The order of the disclosures is LE issued xx/xx/xxxx followed by CD issued xx/xx/xxxx. Either missing an LE/CD corresponding to the COC dated xx/xx/xxxx or the change was not disclosed within 3 business days. | 04/17/2025 | Verified reserves - 34 months of verified reserves when guidelines required none based on LTV <75%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6.83 years.; | 04/15/25 Recd from lender: (redacted) Response: (redacted) disagrees with this finding. The Loan is considered Floating and was not locked at time of COC request dated xx/xx by the broker client. The original LE is still deemed to be in good faith and redisclosure is not required as the figures do not exceed tolerance. Removing the appraisal fee and thus never charging the appraisal fee is not a tolerance violation if removed outside of 3 days. The second COC Request was to increase the loan amount to the max approvable amount, not to exceed 150K. At this time the max approved amount was the same amount as previously disclosed. In addition, no fees charged to the borrower exceeded the tolerance threshold with lower previously disclosed amount. The loan was also not locked, the pricing was not locked in.<br>\*\* Finding remains. Response does not address if an interim disclosure was or was not provided to the borrower in between the LE issued xx/xx/xx and the CD issued xx/xx/xx. Review needs to determine if there is possibly a missing disclosure that corresponded with the COC dated xx/xx/xx. If no please just respond confirming no other disclosures were issued. If yes please provide the disclosure. <br>04/10/2025 - Posted response is insufficient to satisfy the finding. Provide lender signed attestation for the file confirming that there was no re-disclosure issued to borrower for COC dated xx/xx/xxxx. | 04/15/25 Lender confirmed an interim disclosure was not issued or provided to the borrower in between the LE issued xx/xx/xx and the CD issued xx/xx/xx. No fee violations. Finding cleared. - 04/15/25 Lender confirmed an interim disclosure was not issued or provided to the borrower in between the LE issued xx/xx/xx and the CD issued xx/xx/xx. No fee violations. Finding cleared. | Funded C A |
| 900001563 | XXXX | 1102190 | 03/27/2025 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed |  | 04/03/2025 |  |  |  | Approved C |
| 900001684 | XXXX | 1102513 | 03/31/2025 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Property is indicated to be a PUD. Missing a PUD rider. | 05/27/2025 | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 18.25 years.; Low DTI - 26.32% DTI < 45%.; | 05/19/25 - Finding is cleared with the attached executed PUD Rider with letter of intent to re-record.<br>04/08/25 Recd from lender: Please see LOI with corrected PUD Rider pending execution. This is in process<br>\*\* Finding remains, Upon receipt of executed mortgage with PUD rider finding can be cleared w/the LIO to re-record.<br>04/03/25 Per Property Profile in loan file this property is a Single Family Residence.<br>\*\*Finding remains, per Appraisal and Sch B, Part II Exceptions subject is a PUD. Missing PUD Rider. | 05/19/25 - Finding is cleared with the attached executed PUR Rider with letter of intent to re-record. - 05/19/25 - Finding is cleared with the attached executed PUR Rider with letter of intent to re-record. | Funded C A |
| 900001684 | XXXX | 1102514 | 03/31/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 2 | Acknowledged | Missing final CD. Subject is located in a dry funding state. Loan disbursement date(date) per CD issued (date), ROR expiration date changed to (date). |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 18.25 years.; Low DTI - 26.32% DTI < 45%.; | 05/22/2025 - EV2/B Recd Dry Funding CD and corresponding settlement statement, disbursement (date). | Client: 05/22/2025 - EV2/B Recd Dry Funding CD and corresponding settlement statement, disbursement (date). | Funded C B |
| 900001582 | XXXX | 1102587 | 03/31/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing Affiliated Business Disclosure or FACTS disclosure to confirm no affiliates. | 04/03/2025 | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 7 years.; |  | 04/01/25 Confirmation received from lender that there is no business affiliate on this loan. - 04/01/25 Confirmation received from lender that there is no business affiliate on this loan. | Approved C |
| 900001582 | XXXX | 1102886 | 04/01/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing business narrative. |  | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 7 years.; | 04/03/25 Email received from LRCP, with granting exceptions for missing business narrative. | Client: Investor Acknowledged Exception. | Approved C B |
| 900001582 | XXXX | 1102887 | 04/01/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | High fraud alerts not cleared (pg xxx) | 04/03/2025 | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 7 years.; |  | 04/01/25 Updated fraud report received. - 04/01/25 Updated fraud report received. | Approved C |
| 900001614 | XXXX | 1103169 | 04/03/2025 | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 2 | Acknowledged | Missing copy of final CD for dry funding state. CD dated xx/xx/xx pg xxx executed on xx/xx/xx reflects a disbursement date of xx/xx/xx with interest from xx/xx/xx. Final settlement statement pg xxx reflects a disbursement date of xx/xx/xx with interest from date of xx/xx/xx. |  | Verified employment history - Borrower has been self employed in same business for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 23 years.; Low DTI - Low 2.4% DTI.; | 04/03/2025 - Recd dry funding PCCD and cover letter, difference of 1-day disbursement date and interest from date in CA is acceptable. | Client: 04/03/2025 - Recd dry funding PCCD and cover letter, difference of 1-day disbursement date and interest from date in CA is acceptable. | Funded C B |
| 900001614 | XXXX | 1103922 | 04/08/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | Recd dry funding CD. Recording Fee increased from ($) to ($), difference of ($). Missing COC for the increase to the recording fee.<br>-- A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($125.50) were applied to the total fee variance of ($137.10) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance<br>|  | Verified employment history - Borrower has been self employed in same business for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 23 years.; Low DTI - Low 2.4% DTI.; | 04/09/25 Duplicate copy of COC dated xx/xx/xx for the LE issued xx/xx/xx received.<br>\*\*Finding remains, increase in the recording of ($) to ($) occurred at closing and is reflected on the Final/PC CD dated xx/xx/xx. | Client: 04/23/2025 - Post-close cure provided for increase in recording fees. Copy of PCCD, LOE, Refund and Proof of Delivery provided. Finding resolved to EV2/B. | Funded C B |
| 900001626 | XXXX | 1103191 | 04/03/2025 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 1 | Closed | B1's name on 1003 pg xxx is (redacted) and marked as a male. Drivers license pg xxx matches 1003. VA award letter dated x/xx/xxxx pg xxx is for (redacted). CBR pg xxx shows name variation of (redacted) and (redacted). No letter of explanation in file. | 04/10/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 58.21%.; Low DTI - Low DTI of 29.69%.; | 04/09/24 Recd from lender: Last 4 SSN matches. Duplicate copy of VA Benefits letter received.<br>\*\*DL reflects name change. Verified social security numbers match. Signature/name affidavits reflect both names.<br>04/07/2025 - Recd signature/name affidavits.<br>--Finding remains. Missing evidence of legal name change. Borrower is qualifying with VA Benefits reflecting different name than current legal name. Evidence of name change to be documented in file to verify borrower is one and the same. | 04/10/25 Finding cleared. DL reflects changed name. Verified social security number on the benefits letter matches the 1003/credit report. Signature/name affidavits reflect both names. - 04/10/25 Finding cleared. DL reflects changed name. Verified social security number on the benefits letter matches the 1003/credit report. Signature/name affidavits reflect both names. | Funded C A |
| 900001626 | XXXX | 1103353 | 04/04/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | 1) Missing COC for the addition of the Subordination Fee of ($) on CD issued xx/xx/xxxx pg xx.<br>2) Missing COC for increase in Lender Discount of from ($) to ($) on CD issued x/xx/xx pg xxx. |  | Low LTV/CLTV/HCLTV - Low CLTV of 58.21%.; Low DTI - Low DTI of 29.69%.; | 04/17/25 Recd PCCD, cover letter, refund check ($) with courier tracking receipt.<br>--Finding remains. Pending borrower receipt of delivery package 2 Fed-Ex ID #### #### ####. Px Fed-Ex delivery confirmed x/xx/xxxx.<br>04/11/2025 - Recd PCCD, cover letter, refund check ($) with courier tracking receipt.<br>--Finding remains. Cure ($) < ($) Tolerance violation.<br>$($) Loan Discount<br>($) Subordination Fee<br>Total ($)<br>04/07/2025 - Lender is requesting cost to cure.<br>$($) Loan Discount<br>($) Subordination Fee<br>Total ($) | Client: 04/23/2025 - Fedex confirmation of borrower receipt of delivered on x/xx/xxxx. Finding cleared as EV2/B. | Funded C B |
| 900001607 | XXXX | 1103424 | 04/04/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing updated and rescored fraud report with all high alerts addressed. | 04/08/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 37.77%.; Verified employment history - Borrower has been self employed co-owner of same business for 14 years.; | 04/07/2025 - Recd fraud finding summary with fraud variances cleared. | 04/07/2025 - Recd fraud finding summary with fraud variances cleared. - 04/07/2025 - Recd fraud finding summary with fraud variances cleared. | Approved C |
| 900001587 | XXXX | 1103618 | 04/07/2025 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | The loan fees ($) exceed the (FED2014) (Note Amount >=($)) fee limit, which is 5% of the Total Loan Amount ($), the difference is ($). (12 CFR 1026.32). -- In reviewing the lender's Mavent Report dated xx/xx/xx (pg xxx) the failure appears to be related to the following fees paid to an affiliate that were not included by the lender: Lender Title Policy ($), Title Exam ($), Title Search ($). <br>The loan fees ($3,731.00) exceed the (GA2014) High Cost fee limit, which is ($3,546.38), the difference is ($184.62). ---- In reviewing the lender's Mavent Report dated 03/26/25 (pg 326) the failure appears to be related to the following fees paid to an affiliate that were not included by the lender: Title Exam $200, Title Search $100. | 04/15/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 69.31%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 20 years.; |  | 04/15/2025 04/14/25 Cleared per response received from lender: (lender) only has 23.88% ownership in (redacted). As such, (redacted) is not an affiliate for the purposes of Hoepa. <br>- 04/15/2025 04/14/25 Cleared per response received from lender: CrossCountry Mortgage LLC only has 23.88% ownership in First source. As such, First Source is not an affiliate for the purposes of Hoepa. | Funded C A |
| 900001589 | XXXX | 1103811 | 04/07/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified housing payment history - 99+ months of housing payments paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 11.33 years.; |  | Client: EV2 Non-Material | Approved C B |
| 900001589 | XXXX | 1103846 | 04/07/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing lender loan approval and final 1008. 1008 in file reflects other payments of $1317 and DTI of 44.87%. Actual other payments $1568. (1003 liabilities are accurate.) Review DTI is 45.91%. | 04/09/2025 | Verified housing payment history - 99+ months of housing payments paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 11.33 years.; |  | 04/09/25 Lender loan approval received with credit supplement that verified a 0 balance and payment for an account that was included by review. Final review DTI 44.14%. - 04/09/25 Lender loan approval received with credit supplement that verified a 0 balance and payment for an account that was included by review. Final review DTI 44.14%. | Approved C |
| 900001683 | XXXX | 1103704 | 04/07/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Unable to verify property taxes. Used taxes of $XXX per 1008 for testing. \*\*\* Property taxes on property report and on ADV. | 04/10/2025 | Verified housing payment history - 53 months of verified mortgage history paid 0x30 since XX/XXXX.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for XX years.; |  | 04/10/2025 04/10/25 XXXX tax bill received supporting payment of $XXXX. - 04/10/2025 04/10/25 2024 tax bill received supporting payment of $622.45. | Funded C A |
| 900001683 | XXXX | 1103872 | 04/08/2025 | Credit | Missing Subordination Agreement | NOTE 0006 | 1 | Closed | Missing subordination for XXXX on existing title commitment, not paid off in closing. | 04/28/2025 | Verified housing payment history - 53 months of verified mortgage history paid 0x30 since XX/XXXX.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for XX years.; |  | 04/28/2025 04/23/25 Notice of an XXXX received. Per recorded document this is a notice as required by state law and does not constitute a title defect, lien, or encumbrance. - 04/28/2025 04/23/25 Notice of an Independent Solar Energy Procurer Contract received. Per recorded document this is a notice as required by state law and does not constitute a title defect, lien, or encumbrance. | Funded C A |
| 900001683 | XXXX | 1103873 | 04/08/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | 1-Missing tax transcripts for B1 for XXXX or XXXX. File contains year XXX only.;<br>2-Missing two year tax transcripts for B2. | 05/20/2025 | Verified housing payment history - 53 months of verified mortgage history paid 0x30 since XX/XXXX.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for XX years.; | 05/05/25 XXX Wage & Income Transcripts for B1 received. Lender response that B2 is on XXX is incorrect, B2 receives W2 income. See pages for XXXX W2s and for XXXX W2s. | 05/20/2025 Wage and income transcripts for B1 and B2 received. - 05/20/2025 2023 and 2024 Wage and income transcripts for B1 and B2 received.<br>05/13/2025 Finding is partially cleared with the 2024 Wage & Income Transcripts provided for B2.;<br>\*\* Missing 2023 Wage & Income transcript for B2. 2024 and 2022 were provided.<br>05/07/2025 B2 receives W2s, thus the Wage & Income Transcripts are required unless waived by investor.<br>05/05/2025 2024 Wage and Income transcripts for B1 received. B2 on disability, no tax return<br>04/10/2025 04/10/25 Recd from lender: B1 2024 too early for IRS to process. B2 on disability, no tax return.<br>\*\*Finding remains, Missing 2 yrs Wage and income transcripts. 2024 Wage and income transcripts reflecting no record with a duplicate copy of the 2023 transcript(s) received. If no record is available for 2024 then the 2022 are required. | Funded C A |
| 900001594 | XXXX | 1104023 | 04/08/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified ownership of subject property - The borrowers have owned the subject property since xxxx.; Low LTV/CLTV/HCLTV - LTV 48.88%, up to 80% acceptable (85-5% for declining market); Verified credit history - 716 Fico w/a minimum requirement of 680.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001600 | XXXX | 1103936 | 04/08/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | 1) Missing updated and rescored FraudGuard with all high alerts addressed. Supporting documentation to clear High Social Security Alert for B2 required. | 04/17/2025 | Verified employment history - B1 has been employed with the same company for 18 years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 8.66 years.; |  | 04/17/2025 04/17/25 Updated lender response received, finding cleared. - 04/17/2025 04/17/25 Updated lender response received, finding cleared.<br>04/14/2025 04/14/25 Recd from lender: Please see the w2 and w2 tax transcripts that validate coborrower's SS number. Fraudguard does not have to be rescored. Alert was cleared with supporting documentation in file. W2's and transcripts provided.<br>\*\* Finding remains missing SSA-89 report to validate social was established for this borrower. | Funded C A |
| 900001652 | XXXX | 1103716 | 04/07/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing Exhibit A Legal Description to the Deed of Trust. | 04/15/2025 | Verified reserves - 2 months reserves or ($) required, 100+ months reserves verified exclusive of cash out proceeds.; Established credit history - Credit report reflects history back to (date) with no reported default.; |  | 04/15/2025 xx/xx/xx Copy of mortgage with Exhibit A received. - 04/15/2025 04/14/25 Copy of mortgage with Exhibit A received. | Funded C A |
| 900001652 | XXXX | 1103718 | 04/07/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing final Alta settlement statement to verify actual disbursement date. Final CD dated xx/xx/xx pg xxx states disbursement date of xx/xx/xx which is prior to ROR expiration date of xx/xx/xxxx. (Lender to provide final/PC CD if applicable) | 05/01/2025 | Verified reserves - 2 months reserves or ($) required, 100+ months reserves verified exclusive of cash out proceeds.; Established credit history - Credit report reflects history back to (date) with no reported default.; |  | 05/01/2025 Final settlement statement verifying the disbursement date of xx/xx/xxxx received. - 05/01/2025 Final settlement statement verifying the disbursement date of 04/02/2025 reeived. | Funded C A |
| 900001652 | XXXX | 1103766 | 04/07/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Unable to verify if amount disclosed is accurate. Review is pending lender tax estimate. | 05/01/2025 | Verified reserves - 2 months reserves or ($) required, 100+ months reserves verified exclusive of cash out proceeds.; Established credit history - Credit report reflects history back to (date) with no reported default.; |  | 05/01/2025 Lender tax estimate received. Verify amounts are accurate. - 05/01/2025 Lender tax estimate received. Verify amounts are accurate. | Funded C A |
| 900001652 | XXXX | 1103777 | 04/07/2025 | Compliance | Zero Tolerance Fee Violation | COMP 0027 | 2 | Acknowledged | COC for increase in Appraisal Fee (Pge xxx) that corresponds to the LE issued xx/xx/xx does not describe a change validating the increase in the Appraisal Fee from ($) to ($). |  | Verified reserves - 2 months reserves or ($) required, 100+ months reserves verified exclusive of cash out proceeds.; Established credit history - Credit report reflects history back to (date) with no reported default.; |  | 05/13/2025 EV2 Post Closing Corrective Action. - PC CD , LOE to borrower, copy of refund check and overnight tracking received. | Funded C B |
| 900001652 | XXXX | 1104028 | 04/08/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing documentation to verify lender estimated improved tax amount of of ($) annually. Tax bill in the file pxxx reflects unimproved tax amount (subject was completed late xxxx). The tax rate per the bill is 2.7737%, using this against the original purchase price of ($) the taxes would be ($) annually or ($) monthly. Tax Info sheet (px-x) is not completed. | 05/01/2025 | Verified reserves - 2 months reserves or ($) required, 100+ months reserves verified exclusive of cash out proceeds.; Established credit history - Credit report reflects history back to (date) with no reported default.; |  | 05/01/2025 Finding cleared per lender response: Please see calculation of the estimated property taxes. This was discussed with the county tax assessor at (phone no.). The property is not assessed for the xxxx-xxxx tax year with improvements so the replace cost was used as the taxable value. Therefore, no further tax bill can provided at this time. Attached is the replacement cost from Marshall and Swift Estimator. Then, the calculation is completed as per the tax assessor's calculations. If the purchase price xx/xx/xxxx was used:<br>$($) x .35 assessment ratio= ($)<br>$($) x 2.7737%= ($)/annual<br>$($)/12= ($)/mo <br>- 05/01/2025 Finding cleared per lender response: Please see calculation of the estimated property taxes. This was discussed with the county tax assessor at 702-455-3074. The property is not assessed for the 2025-2026 tax year with improvements so the replace cost was used as the taxable value. Therefore, no further tax bill can provided a this time.. Attached is the replacement cost from Marshall and Swift Estimator. Then, the calculation is completed as per the tax assessor's calculations. If the purchase price 11/15/2024 was used:<br>$528,981 x .35 assessment ratio= $185,143.35<br>$185,143.35 x 2.7737%= 5135.32/annual<br>$5135.32/12= $427.94/mo | Funded C A |
| 900001605 | XXXX | 1103861 | 04/07/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | Lender credit of ($) is insufficient to cure 10% fee variance caused by added and increased fees on the final CD issued xx/xx/xxxx (page xxx). Endorsement increased by ($), Tax bill ($), Recording ($), Courier ($), Electronic delivery ($), Notary ($), Processing ($). (Lender's title policy increase of $.25 may be removed due to rounding) |  | Verified employment history - Borrower has been employed with the same company for 15.25 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; |  | 04/22/2025 EV2/B Post-Closing Corrective Action. 04/22/25 LOE to borrower, PC CD, refund check, and Fed-Ex tracking received. Finding cleared upon re-submission with PC documentation. | Funded C B |
| 900001612 | XXXX | 1104079 | 04/09/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing business narrative for 12 month business bank statement loan. |  | Low LTV/CLTV/HCLTV - Low CLTV of 70.19%.; Verified employment history - Borrower has been self employed owner of construction company for 5+ yeas.; | 04/11/25 Email recd from LRCP, Exception has been approved please downgrade. | Client: EV2/B Investor Acknowledged Exception | Approved C B |
| 900001612 | XXXX | 1104245 | 04/09/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Approved DTI 33.40%, Review DTI 36.72%. Variance is due to lender calculated ($) at 10% expense ratio per CPA letter vs review of ($) at guideline minimum of 20% expense ratio. DTI variance is > 3% but remains within approved limit per guidelines. |  | Low LTV/CLTV/HCLTV - Low CLTV of 70.19%.; Verified employment history - Borrower has been self employed owner of construction company for 5+ yeas.; |  | Client: EV2/B Non-Material as max allowed DTI per guidelines is 45%. | Approved C B |
| 900001598 | XXXX | 1104242 | 04/09/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval, only the unsigned 1008 is in the file. | 04/11/2025 | Verified reserves - No reserves required, borrower is receiving 49.45 months subject PITIA or ($) in cash out proceeds.; Low LTV/CLTV/HCLTV - CLTV 59.66%, up to 85% acceptable; |  | 04/11/25 Lender loan approval received. - 04/14/2025 04/11/25 Lender loan approval received. | Funded C A |
| 900001617 | XXXX | 1104361 | 04/10/2025 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing xxxx tax transcripts for both borrowers per lender guidelines. If xxxx returns no findings xxxx is required. | 04/24/2025 | Verified employment history - Borrowers have been employed with their same employers for 10 and 8 years respectively.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 3 years.; |  | 04/24/2025 04/24/25 xxxx Wage and income transcripts received. - 04/24/2025 04/24/25 2024 Wage and income transcripts received. | Funded C A |
| 900001609 | XXXX | 1104285 | 04/10/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed |  | 04/21/2025 | Verified reserves - 24 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 6.75 years.; |  | 04/21/2025 Exception reported in error, lender disclosed 11 mths. - 04/22/2025 Exception reported in error, lender disclosed 11 mths. | Funded C A |
| 900001609 | XXXX | 1104506 | 04/11/2025 | Property | Property Values Declining | APPR 0012 | 1 | Closed | Based on current activities there was a decrease in sales from December xxxx to January xxxx of -12.9%. LTV max allowed 85%-5% LTV Exception - Appraisal reflects subject to be in a declining market which required a 5% LTV reduction. Max allowed LTV/CLTV is 80% with a 777 FICO. Lender approved at 79.82%. | 04/21/2025 | Verified reserves - 24 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 6.75 years.; |  | 04/21/2025 Exception reported in error. Cleared Max allowed CLTV is 80%. - 04/22/2025 Exception reported in error. Cleared Max allowed CLTV is 80%. | Funded C A |
| 900001609 | XXXX | 1104510 | 04/11/2025 | Compliance | Missing Net-tangible Benefit worksheet | NTB 0001 | 1 | Closed | Missing Net-tangible Benefit worksheet. | 04/21/2025 | Verified reserves - 24 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 6.75 years.; |  | 04/21/2025 Exception reported in error, NTB Worksheet not required. - 04/22/2025 Exception reported in error, NTB Worksheet not required. | Funded C A |
| 900001646 | XXXX | 1104300 | 04/10/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Unable to validate lender's Estimated Property Costs over Year 1 of ($) on the final CD dated xx/xx/xx pg x. Lender disclosed Estimated taxes, Insurance and Assessments of ($). Review calculated Estimated taxes, Insurance and Assessments of($)/Estimated Property Costs over Year 1 of ($). Taxes per tax cert pg xxx ($)/ ($), Ins ($)/ ($) pg xxx. |  | Verified employment history - Borrower has been employed with same employer for 38 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 4.25 years.; |  | 04/30/2025 EV2/B Post-Closing Corrective Action. Corrected PC CD with LOE to the borrower received.<br>04/28/2025 04/24/25 Lender provided updated 1008 with taxes and insurance updated.<br>\*\*Finding remains, final CD disclosed incorrect Estimated taxes, Insurance and Assessments/Estimated Property Costs over Year 1. Missing corrected PC CD with LOE to the borrower explaining the reason for re-disclosure. | Approved C B |
| 900001646 | XXXX | 1104538 | 04/11/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing Sam.gov search used to clear high fraud alerts for property data collector. | 04/28/2025 | Verified employment history - Borrower has been employed with same employer for 38 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 4.25 years.; |  | 04/28/2025 xx/xx/xx SAM search received. - 04/28/2025 04/24/25 SAM search received. | Approved C |
| 900001646 | XXXX | 1104545 | 04/11/2025 | Credit | Missing Subordination Agreement | NOTE 0006 | 1 | Closed | Missing subordination agreement to (redacted). Noted on Junior Policy exception #xx. Solar docs xxx;xxx;xxx; xxx. | 04/28/2025 | Verified employment history - Borrower has been employed with same employer for 38 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 4.25 years.; |  | 04/28/2025 xx/xx/xx UCC Termination recorded xx/xx/xx received. - 04/28/2025 04/24/25 UCC Termination recorded 04/01/25 received. | Approved C |
| 900001611 | XXXX | 1104696 | 04/11/2025 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | Missing copy of final CD. Tracking (Page xxx) states PCCD issued xx/xx/xx and mailed. No CD issued xx/xx/xx located in file. | 04/22/2025 | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 4 years.; Low DTI - Low DTI of 32.89%.; | 04/16/25 Recd from lender: Final CD on pgs xx-xx of loan packet.<br>\*\*Finding remains, CD pg xx-xx is dated and was executed xx/xx/xx. Subject is in dry funding state. Missing copy of disclosures that corresponds with the tracking on pg xxx the reflects a Post Consummation CD was sent via US Mail. | 04/22/2025 04/22/25 Copy of CD issued xx/xx/xx received. - 04/22/2025 04/22/25 Copy of CD issued 03/31/25 received.<br>04/16/2025 04/16/25 Recd from lender: Final CD on pgs 58-63 of loan packet.<br>\*\*Finding remains, CD pg 58-63 is dated and was executed 03/26/25. Subject is in dry funding state. Missing copy of disclosures that corresponds with the tracking on pg 500 the reflects a Post Consummation CD was sent via US Mail. | Funded C A |
| 900001656 | XXXX | 1104947 | 04/14/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing valid COC for second LE issued xx/xx/xx. Appraisal fee increased from ($) to ($). COC (Page xxx) states appraisal fee increased but does not state why the fee increased. -- |  | Low LTV/CLTV/HCLTV - Low CLTV of 32.50%.; Verified employment history - Borrower has been self employed for 39.5 years.; | 04/30/25 Valid reason for increase to fee received. Finding for appraisal cleared however, upon resubmission the following exception fired: The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on xxxx-xx-xx: Credit Report Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)).<br>\*\* Missing COC for the CD issued xx/xx/xx to address the increased credit report fee. COC in file page xxx does not state a reason for the increased fee. Fee increased from ($) to ($). | 05/07/2025 EV2/B Post-Closing Corrective Action- LOE to borrower, PC CD, Refund check, and tracking received.<br>04/30/2025 04/30/25 Valid reason for increase to fee received. Finding for appraisal cleared however, upon resubmission the following exception fired: The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on 2025-03-31: Credit Report Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)).<br>\*\* Missing COC for the CD issued 04/08/25 to address the increased credit report fee. COC in file page 498 does not state a reason for the increased fee. Fee increased from $95.34 to $110.34.<br>04/22/2025 04/22/25 Recd from lender: When the appraisal was ordered the AMC messaged Plaza stating the cost for this order would be $1,100<br>on 3/19/25 thus causing an increase in the appraisal fee by $100. We are providing the history of the order to support. This would be a valid COC. Please accept this to resolve this finding.<br>\*\* Finding remains, order history comments do not state the reason for the increased fee. (Was it due to location, complexity of property, rush fee, etc.) | Funded C B |
| 900001656 | XXXX | 1105246 | 04/15/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing signed written business narrative that includes a description of the operation, primary product or service, customer base, number of full time employees, any other information. |  | Low LTV/CLTV/HCLTV - Low CLTV of 32.50%.; Verified employment history - Borrower has been self employed for 39.5 years.; | 04/21/25 Email received, Investor approved exception for lack of Narrative. | Client: EV2/B Investor Acknowledged Exception. | Funded C B |
| 900001656 | XXXX | 1107497 | 04/30/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 04/30/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 32.50%.; Verified employment history - Borrower has been self employed for 39.5 years.; |  |  | Funded C A |
| 900001608 | XXXX | 1104964 | 04/14/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing the Affiliated Business Disclosure or Facts Disclosure to verify if lender has any affiliates. If lender has no Affiliates an attestation of having no affiliates on company letterhead is acceptable. | 04/16/2025 | Low LTV/CLTV/HCLTV - Low LTV of 45.31%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 5.5 years.; Verified employment history - B2 has been employed full time with same employer for 11+ years.; |  | 04/16/2025 04/16/25 Attestation of having no affiliates received. - 04/16/2025 04/16/25 Attestation of having no affiliates received. | Funded C A |
| 900001608 | XXXX | 1104965 | 04/14/2025 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | Missing E-Sign Disclosure. | 04/16/2025 | Low LTV/CLTV/HCLTV - Low LTV of 45.31%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 5.5 years.; Verified employment history - B2 has been employed full time with same employer for 11+ years.; |  | 04/16/25 Docusign tracking received that verified borrower(s) consented xx/xx/xx. - 04/16/2025 04/16/25 Docusign tracking received that verified borrower(s) consented 03/11/25. | Funded C A |
| 900001608 | XXXX | 1105116 | 04/15/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing two years of tax transcripts for B2's. | 04/16/2025 | Low LTV/CLTV/HCLTV - Low LTV of 45.31%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 5.5 years.; Verified employment history - B2 has been employed full time with same employer for 11+ years.; | 04/16/25 Recd from lender: Transcript is not required for this program.<br>\*\*Finding remains, Per Income section of guidelines Under Tax Transcripts: Wage Earner & 1099, Wage & Income Transcripts for the year(s) of qualifying income required. | 04/16/25 B2 Wage and Income transcripts for xxxx/xxxx received. - 04/17/2025 04/16/25 B2 Wage and Income transcripts for 2024/2023 received.<br>04/16/2025 04/16/25 Recd from lender: Transcript is not required for this program.<br>\*\*Finding remains, Per Income section of guidelines Under Tax Transcripts: Wage Earner & 1099, Wage & Income Transcripts for the year(s) of qualifying income required. | Funded C A |
| 900001621 | XXXX | 1105062 | 04/15/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | ABD is not in file. FACTs Disclosure (Page xxx) does not confirm whether or not lender has affiliates. Tested Title Fees as paid to an affiliate with no changes to compliance testing results. | 04/22/2025 | Low LTV/CLTV/HCLTV - OCLTV 53.27%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 17 years.; |  | 04/22/2025 04/22/25 Attestation of having no affiliates received. - 04/22/2025 04/22/25 Attestation of having no affiliates received. | Funded C A |
| 900001641 | XXXX | 1105227 | 04/15/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified reserves - 19 months of verified reserves when guidelines required 2 months.; Income verified was not used in qualifying - B2 earns OT and bonus income that was not included in qualification.; |  | Client: EV2/B Non-Material | Approved C B |
| 900001651 | XXXX | 1105250 | 04/15/2025 | Compliance | Appraisal Dated prior to Intent to Proceed Date | TRID 0192 | 1 | Closed | Missing explanation as to why the appraisal was ordered prior to the Application Date/Intent to Proceed date of xx/xx/xx. -- A creditor or other person may not impose any fee, such as for an appraisal, underwriting, or broker services, until the consumer has received the disclosures required by § 1026.19(a)(1)(i). | 05/07/2025 | Verified employment history - Borrowers have been self employed 50/50 owners of their business for the last 15 years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 25 years.; | 05/05/2025 - Lender provided explanation - It was a re-origination, underwritten as a conv full doc locked as an alt docs and had to redo the loan through Non QM. | 05/07/2025 - Lender provided explanation. Finding cleared. - 05/07/2025 - Lender provided explanation. Finding cleared. | Funded C A |
| 900001651 | XXXX | 1105413 | 04/16/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Review DTI of 45.46% exceeds the max allowed of 45%. Borrowers do not qualify for extended DTI due to being a bank statement loan. Variance from review DTI of 45.46% vs lender 44.68% appears to be in the "All other payments used to qualify". 1008 reflects ($). Review calculated ($). Review liabilities matched the final 1003. | 04/23/2025 | Verified employment history - Borrowers have been self employed 50/50 owners of their business for the last 15 years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 25 years.; |  | 04/23/2025 xx/xx/xx Response received from lender that the (redacted) was excluded due to being paid by business. Verified (redacted) deductions in statements. - 04/23/2025 04/23/25 Response received from lender that the Amex was excluded due to being paid by business. Verified Amex deductions in statements. | Funded C A |
| 900001635 | XXXX | 1105479 | 04/16/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing loan approval/underwriting decision with the loan approval date. | 04/23/2025 | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified credit history - Middle Credit Score 752 > 700 Minimum Required.; |  | 04/23/2025 04/23/25 Lender loan approval received. - 04/23/2025 04/23/25 Lender loan approval received. | Funded C A |
| 900001635 | XXXX | 1105487 | 04/16/2025 | Compliance | File Documentation is Incomplete (Compliance) | COMP 0047 | 1 | Closed | Missing copy of existing 2nd lien Note, PRMG 3914. The loan was recently acquired and is not yet reporting on the borrowers credit report, thus unable to compare Note terms. | 04/23/2025 | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified credit history - Middle Credit Score 752 > 700 Minimum Required.; |  | 04/23/2025 04/23/25 Copy of prior note received. - 04/23/2025 04/23/25 Copy of prior note received. | Funded C A |
| 900001630 | XXXX | 1105753 | 04/18/2025 | Compliance | Note is Incomplete | NOTE 0050 | 2 | Acknowledged | First lien note signed by B1 and B2. Second lien note signed only by B1. Lender exceptions page xxx-xxx. |  | Verified employment history - Borrower has been employed for 6.69 years as a driller.; Verified ownership of subject property - Borrower has owned/occupied the subject property for 5.08 years.; |  | 04/23/2025 This was cited as an EV2/B finding. No action from lender required. | Funded C B |
| 900001630 | XXXX | 1105761 | 04/18/2025 | Compliance | NMLS IDs do not match | NMLS 0011 | 2 | Acknowledged | Note, Mortgage, and 1003 reflect Loan Originator as XXXX NMLS #######. Final CD dated xx/xx/xx pg xxx reflects XXXX NMLS ######. No explanation for change documented in file. |  | Verified employment history - Borrower has been employed for 6.69 years as a driller.; Verified ownership of subject property - Borrower has owned/occupied the subject property for 5.08 years.; |  | 05/01/2025 EV2/ B Post-Closing Corrective Action. LOE to Borrower and PC CD received.<br>04/28/2025 04/25/25 Corrected CD received.<br>\*\* Finding remains pending receipt of LOE to borrower explaining the reason for re-disclosure. | Funded C B |
| 900001630 | XXXX | 1105777 | 04/18/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for addition/increase of Recording Service Fee of ($) in "Cannot Increase Category" on CD issued x/xx/xx pg xxx. | 04/22/2025 | Verified employment history - Borrower has been employed for 6.69 years as a driller.; Verified ownership of subject property - Borrower has owned/occupied the subject property for 5.08 years.; |  | 04/22/2025 xx/xx/xx Agree with lender response, TPR Error. Finding cleared. - 04/23/2025 04/22/25 Agree with lender response, TPR Error. Finding cleared. | Funded C A |
| 900001633 | XXXX | 1105857 | 04/21/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Lender Exception page xx approved x/xx/xxxx. Original loan/note was IAO ($) dated x/xx/xxxx. Borrower applied ($) to principal and loan was recast xx/xx/xxxx. (Pages xxx-xxx) |  | Low LTV/CLTV/HCLTV - Low OCLTV of 36.55%.; Verified employment history - Borrowers Have been employed with their employers for 22 and 28 years respectively.; Low DTI - Low DTI of 24.72%.; |  | Client: Investor Acknowledged Exception | Funded C B |
| 900001639 | XXXX | 1105620 | 04/17/2025 | Credit | HOA Payment is not verified | CRED 0133 | 1 | Closed | Missing verification of subject HOA costs. Review used estimate of ($) per month per the 1008. | 04/28/2025 | Verified employment history - Borrower has been employed for 15 years with same employer.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  | 04/28/2025 xx/xx/xx Corrected appraisal received. HOA/PUD information updated. - 04/28/2025 04/24/25 Corrected appraisal received. HOA/PUD information updated. | Approved C |
| 900001639 | XXXX | 1105623 | 04/17/2025 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing the docutech eSign Process Summary for the LE issued xx/xx/xxxx-- | 04/28/2025 | Verified employment history - Borrower has been employed for 15 years with same employer.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; | Finding remains per lender response LE was sent US mail on (date). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it Friday xx/xx/xx. For a closing on Monday, xx/xx/xx, the borrower needed to receive the LE by Thursday, xx/xx/xxxx. | 04/28/2025 xx/xx/xx Updated response from lender received with a screen shot from the disclosure tracking. Screenshots from the Disclosure Tracking show the LE was received and viewed by the borrower on x/x/xx. - 04/28/2025 04/24/25 Updated response from lender received with a screen shot from the disclosure tracking. Screenshots from the Disclosure Tracking show the LE was received and viewed by the borrower on 4/2/25.<br>04/23/2025 Finding remains per lender response LE was sent US mail on April 1st. Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it Friday 04/04/25. For a closing on Monday, 04/07/25, the borrower needed to receive the LE by Thursday, 04/03/25. | Approved C |
| 900001639 | XXXX | 1105794 | 04/18/2025 | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Missing corrected appraisal. Appraisal does not have subject property marked as a PUD and did not disclose any HOA fees. | 04/28/2025 | Verified employment history - Borrower has been employed for 15 years with same employer.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  | 04/28/2025 xx/xx/xxxx Corrected appraisal received. HOA/PUD information updated. - 04/28/2025 04/24/25 Corrected appraisal received. HOA/PUD information updated. | Approved C |
| 900001628 | XXXX | 1105832 | 04/18/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraisal does not contain verbiage affirming that it was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified reserves - 19 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed for 8.16 years.; |  | Client: EV2 / B Non-Material | Approved C B |
| 900001627 | XXXX | 1105930 | 04/21/2025 | Compliance | Missing Evidence of valid COC for interim disclosed Loan Estimate/Closing Disclosure. | TRID 0161 | 1 | Closed | Missing COC for increase in Loan Discount Points from ($) to ($) on CD issued x/x/xxxx (pg. xxx). Discount points remain out of tolerance. | 04/24/2025 | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 3.83 years.; Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xxxx.; |  | 04/24/2025 xx/xx/xxxx COC received, finding cleared upon resubmission. - 04/24/2025 04/25/25 COC received, finding cleared upon resubmission. | Approved C |
| 900001629 | XXXX | 1105947 | 04/21/2025 | Compliance | Appraisal Dated prior to Intent to Proceed Date | TRID 0192 | 1 | Closed | Missing copy of Broker's ITP from borrower. Appraisal is dated as of xx/xx/xxxx which is prior to the date the borrower gave their Intent to Proceed to lender on xx/xx/xxxx (Page xxx, xxx). | 04/28/2025 | Verified reserves - 56 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7.5 years.; |  | 04/28/2025 xx/xx/xxxx Broker ITP received. ITP given xx/xx/xx. - 04/28/2025 04/25/25 Broker ITP received. ITP given 03/19/25. | Approved C |
| 900001645 | XXXX | 1106214 | 04/22/2025 | Compliance | Appraisal Dated prior to Intent to Proceed Date | TRID 0192 | 1 | Closed | Missing the broker's Intent to proceed. Appraisal is dated xx/xx/xxxx, which is prior to the Lender's ITP date of xx/xx/xxxx (Page xxx, xxx). | 05/01/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 64.45%.; Verified employment history - Borrowers have been self employed in the same business for 16 years.; |  | 05/01/2025 xx/xx/xxxx Broker ITP received on xx/xx/xx. - 05/01/2025 05/01/25 Broker ITP received on 03/31/25. | Funded C A |
| 900001645 | XXXX | 1106790 | 04/24/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing signed written business narrative that includes the following: Description of business operation, Primary products and or services, Who is the customer base, Number of full-time employees, Any other information that would help determine eligible deposits. |  | Low LTV/CLTV/HCLTV - Low CLTV of 64.45%.; Verified employment history - Borrowers have been self employed in the same business for 16 years.; | 04/25/25 Recd from lender: A business narrative is only required if we are using the 50% business expense option for bank statement doc types. This file used a 10% expense factor based on CPA letter in file. Please refer to our program guidelines attached. This should be sufficient to clear this finding. Thank you | 05/05/2025 EV2/B Investor Acknowledged Exception<br>04/28/2025 A business narrative is only required if we are using the 50% business expense option for bank statement doc types. This file used a 10% expense factor based on CPA letter in file. Please refer to our program guidelines attached. This should be sufficient to clear this finding. Thank you<br>\*\* Finding remains, Narrative is required per LRCP 2nd lien guidelines. | Funded C B |
| 900001634 | XXXX | 1106432 | 04/23/2025 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | Missing lender rate sheet to verify bona fide loan discount of ($). -- The loan fees ($) exceed the (FED2014) (Note Amount >=($)) fee limit, which is 5% of the Total Loan Amount ($), the difference is ($). (12 CFR 1026.32). | 04/30/2025 | Verified employment history - Borrower has been employed with same employer for 28 years.; Low DTI - Low DTI of 24.40%.; |  | 04/30/2025 Lender rate provided to verify below par rate and bona fide discount. - 04/30/2025 Lender rate provided to verify below par rate and bona fide discount. | Approved C |
| 900001644 | XXXX | 1107020 | 04/28/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Missing updated 1008 reflecting value of ($) as per AVM in file pg xxx. 1008 pg 1 reflects value of ($). | 04/30/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 47.03%.; Verified employment history - Borrowers have been employed 26 years and 35 years respectively, with same employers.; Verified ownership of subject property - Borrowers have owned/occupied the subject property for 24 years.; |  | 04/30/2025 Updated 1008 received. - 04/30/2025 Updated 1008 received. | Approved C |
| 900001643 | XXXX | 1106662 | 04/24/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing verification if lender has any affiliates. If no affiliates a blanket attestation may be provided for documentation. | 04/28/2025 | Verified employment history - Borrower has been employed for 11 years with same employer.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 37 years.; |  | 04/28/2025 xx/xx/xxxx Attestation of no affiliates received. - 04/28/2025 04/28/25 Attestation of no affiliates received. | Approved C |
| 900001616 | XXXX | 1106869 | 04/25/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | Final CD issued xx/xx/xxxx and executed xx/xx/xxxx states an APR of 8.096% Prior CD issued xx/xx/xxxx and executed xx/xx/xxxx states an APR of 8.261%. (Page xxx, xxx). APR Decreased 0.165 |  | Low LTV/CLTV/HCLTV - Low CLTV of 65.23%.; Verified employment history - Borrowers have been employed with same employers for 6 years and 8 years respectively.; |  | Client: EV2/B APR Decreased, Benefit to Borrower. | Approved C B |
| 900001625 | XXXX | 1106958 | 04/28/2025 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Missing ROR executed by the non-borrowing vested title holder Nkechi Akunwafor. | 05/02/2025 | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 5 years.; Low DTI - Low DTI of 25.58%.; |  | 05/02/2025 Executed ROR by NBS received. - 05/02/2025 Executed ROR by NBS received.<br>05/01/2025 Duplicate copy of exception for all borrower's not being on the Note provided.<br>\*\* Finding remains, all title holders must execute a Right Of Recession. The exceptions for all borrower's not being on the note does not relate to the requirement for all title holders to executed a ROR.<br>04/30/2025 Duplicate copy of exception for all borrower's not being on the Note provided.<br>\*\* Finding remains, all title holders must execute a Right Of Recession. | Funded C A |
| 900001625 | XXXX | 1107236 | 04/29/2025 | Compliance | Note is Incomplete | NOTE 0050 | 2 | Acknowledged | Borrower's spouse on first lien note but not on the subject second lien note. Lender Exception pages x/x; xxx/xxx. |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 5 years.; Low DTI - Low DTI of 25.58%.; |  | 04/30/2025 EV2/B Investor Acknowledged Exception | Funded C B |
| 900001632 | XXXX | 1107299 | 04/29/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing xxxx and xxxx Wage and Income transcripts as required per guidelines. | 04/30/2025 | Verified employment history - Borrower has been employed with same employer for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 14 years.; |  | 04/30/2025 xxxx and xxxx Wage and Income transcripts received. - 04/30/2025 2024 and 2023 Wage and Income transcripts received. | Approved C |
| 900001647 | XXXX | 1107087 | 04/28/2025 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | Missing executed E-Sign Disclosure to verify when the borrower consented to receiving docs electronically. | 05/01/2025 | Minimal outstanding debt - Borrowers credit report shows minimal outstanding debt owed with balances well under the high credit limits with all credit paid 0x30.; |  | 05/01/2025 Docusign tracking received confirming borrower(s) consent on xx/xx/xx. - 05/01/2025 Docusign tracking received confirming borrower(s) consent on 03/18/25. | Approved C |
| 900001647 | XXXX | 1107102 | 04/28/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for addition of Verification Fee on CD issued xx/xx/xxxx. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xxxx-xx-xx not increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). | 05/01/2025 | Minimal outstanding debt - Borrowers credit report shows minimal outstanding debt owed with balances well under the high credit limits with all credit paid 0x30.; |  | 05/01/2025 COC Received, finding cleared upon resubmission. - 05/01/2025 COC Received, finding cleared upon resubmission. | Approved C |
| 900001647 | XXXX | 1107319 | 04/29/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing Wage and Income tax transcripts for B2 for years xxxx-xxxx. | 05/01/2025 | Minimal outstanding debt - Borrowers credit report shows minimal outstanding debt owed with balances well under the high credit limits with all credit paid 0x30.; |  | 05/01/2025 xxxx/xxxx Wage and Income transcripts for B1 and B2 received. - 05/01/2025 2023/2024 Wage and Income transcripts for B1 and B2 received. | Approved C |
| 900001758 | XXXX | 1107364 | 04/30/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 1 | Closed | Missing COC for increase in Loan Discount Fee on CD issued xx/xx/xxxx. Discount increased from ($) to ($)-- A Lender Credit for Excess Charges of ($), Principal Reduction for Excess Charges of ($), and general or specific lender credit increases of ($0.31) were applied to the total fee variance of ($) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. | 05/05/2025 | Verified employment history - Borrower has been employed in the armed forces for 25 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 11 years.; |  | 05/05/2025 COC received, finding cleared upon resubmission. - 05/05/2025 COC received, finding cleared upon resubmission. | Funded C A |
| 900001758 | XXXX | 1107905 | 05/02/2025 | Credit | Insufficient verified reserves | CRED 0100 | 1 | Closed | Missing verification of 2 mths reserves as required for LTV > 75%. Total verified with cash out proceeds 1.36. Reserves required ($) less available ($) = ($) shortage. | 06/20/2025 | Verified employment history - Borrower has been employed in the armed forces for 25 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 11 years.; |  | 06/20/2025 Bank statements received, total reserves verified 3.27. - 06/20/2025 Bank statements received, total reserves verified 3.27. | Funded C A |
| 900001672 | XXXX | 1107372 | 04/30/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing updated CD to match the final settlement statement. Disbursement/ Interest from date per hud pg xxx is xx/xx/xx. ROR expiration date xx/xx/xx. Final CD dated xx/xx/xx pg xxx reflects disbursement/interest from date of xx/xx/xx. | 05/09/2025 | Low LTV/CLTV/HCLTV - Low OCLTV of 59.64%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 8.41 years.; |  | 05/09/2025 Updated CD reflecting the actual disbursement date of xx/xx/xx as per the settlement statement received. - 05/09/2025 Updated CD reflecting the actual disbursement date of 04/18/25 as per the settlement statement received.<br>05/07/2025 Duplicate copy of the Final CD dated 04/11/25 reflecting a disbursement/interest from date of 04/16/25 received.<br>\*\*Finding remains, ROR expiration date was 04/17/25. Missing updated CD to match the final settlement statement. Disbursement/ Interest from date per hud pg 394 is 04/18/25. | Funded C A |
| 900001672 | XXXX | 1107386 | 04/30/2025 | Compliance | Initial Closing Disclosure Sent Method Not In Person and No Received Date | TRID 0009 | 1 | Closed | Missing the disclosure tracking to verify borrower receipt of the initial CD xx/xx/xxxx. -- The Initial Closing Disclosure was provided on (xxxx-xx-xx) via (U.S. Mail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xxxx-xx-xx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xxxx-xx-xx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (xxxxxxxx), for consummation to occur on (xxxx-xx-xx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) | 05/08/2025 | Low LTV/CLTV/HCLTV - Low OCLTV of 59.64%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 8.41 years.; |  | 05/08/2025 DocuSign tracking received verifying that the borrower viewed the CD on xx/xx/xx received. - 05/08/2025 DocuSign tracking received verifying that the borrower viewed the CD on 04/08/25 received.<br>05/05/2025 Updated Note date to match the transaction date per the Mortgage/Notary date of 04/14/25. Finding remains. --The Initial Closing Disclosure was provided on (2025-04-08) via (U.S. Mail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-04-14). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-04-11), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250407), for consummation to occur on (2025-04-14). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii) | Funded C A |
| 900001678 | XXXX | 1107407 | 04/30/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing final settlement statement and final CD for dry funding state. ROR reflects an expiration date of XX/XX/XX. Final CD dated XX/XX/XX reflects disbursement/Interest from date of XX/XX/XX. Only the estimated settlement statement was provided for review on. | 05/06/2025 | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7 years.; Low DTI - Low DTI of 15.54%.; |  | 05/06/25 Final settlement statement received reflecting a disbursement/Interest from date of XX/XX/XX. 1 day variance in interest ok for state. - 05/08/2025 05/06/25 Final settlement statement received reflecting a disbursement/Interest from date of 04/23/25. 1 day variance in interest ok for state. | Funded C A |
| 900001678 | XXXX | 1107442 | 04/30/2025 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | Missing lender rate sheet to verify bona fide discount of $XXX as per the Lender Mavent Report-- The loan fees ($3,401.19) exceed the (XX) High Cost fee limit, which is ($3,388.94), the difference is ($12.25). | 05/09/2025 | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7 years.; Low DTI - Low DTI of 15.54%.; |  | 05/09/2025 Email from lender's lock desk received confirming note is is below Par and discount is considered bona fide. - 05/09/2025 Email from lender's lock desk received confirming note is is below Par and discount is considered bona fide. | Funded C A |
| 900001678 | XXXX | 1107948 | 05/02/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing wage and income transcripts for B1/B2. | 05/09/2025 | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7 years.; Low DTI - Low DTI of 15.54%.; |  | 05/09/2025 Wage & income transcripts for B1/B2 received. - 05/09/2025 2024 and 2023 Wage & income transcripts for B1/B2 received. | Funded C A |
| 900001678 | XXXX | 1108070 | 05/03/2025 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 2 | Acknowledged | Final CD dated XX/XX/XX reflects Taxes and Insurance are to be escrowed. Escrows are not allowed on 2nd lien program. |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7 years.; Low DTI - Low DTI of 15.54%.; |  | 05/07/2025 EV2/B Post-Closing Corrective Action. - PCCD and LOE received. Projected payments, Estimated Taxes Ins, and Assessments, and Estimated Property Costs Over 1 Year updated. Loan disbursement date and Interest From date also updated. | Funded C B |
| 900001688 | XXXX | 1107785 | 05/01/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | Missing COC for increased lender's title policy. Fee increased from $664 to $1000. (Amount over the allowable tolerance $195.50)--The total amount of Closing Disclosure 10% Category fees ($1,410.00) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on 2025-03-24, ($1,104.00). The total amount of fees in this category cannot exceed ($1,214.40) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). | 05/16/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 57.68%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for XX years.; | 05/15/25 LOE, PC CD received with copy of refund check to the borrowers in the amount of $XXXX. | 05/16/2025 LOE to borrower, PC CD, Refund check, and Fed-Ex tracking received. - 05/16/2025 LOE to borrower, PC CD, Refund check, and Fed-Ex tracking received. | Funded C A |
| 900001666 | XXXX | 1108355 | 05/06/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified employment history - B1 has been employed with same employer for 16 years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7 years.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001671 | XXXX | 1108359 | 05/06/2025 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Title commitment is missing legal description. | 05/08/2025 | Verified employment history - Borrower has been employed with same employer for 14 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; Low LTV/CLTV/HCLTV - Low CLTV of 63.29%.; |  | 05/08/2025 Complete copy of the prelim title received. - 05/08/2025 Complete copy of the prelim title received. | Funded C A |
| 900001677 | XXXX | 1107962 | 05/02/2025 | Compliance | Borrower(s) Did Not Receive "Right to Receive Credit Scores" | FACT 0002 | 1 | Closed | Missing Notice of Right to Receive Credit Scores disclosure. | 05/08/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 61.493%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; |  | 05/08/2025 Notice To the home loan applicant received with the credit report dated xx/xx/xxxx. (See CR0002) - 05/08/2025 Notice To the home loan applicant received with the credit report dated 03/27/25. (See CR0002) <br>05/07/2025 Disclosures referenced is the state disclosure. We are looking for the version that is provided to the borrower that is part of the incomplete credit report. | Funded C A |
| 900001677 | XXXX | 1107963 | 05/02/2025 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | E-Sign Disclosure is not in file. | 05/07/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 61.493%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; |  | 05/07/2025 Docusign esign tracking received confirming consent xx/xx/xx. - 05/07/2025 Docusign esign tracking received confirming consent 03/26/25. | Funded C A |
| 900001677 | XXXX | 1107980 | 05/02/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for addition of Loan Discount Fee of ($) and the removal of the lender credit of ($) on the CD issued xx/xx/xx pg xx. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xxxx-xx-xx: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). | 05/08/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 61.493%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; |  | COC dated xx/xx/xx for rate extension received. Finding cleared upon resubmission with COC. - COC dated xx/xx/xx for rate extension received. Finding cleared upon resubmission with COC. | Funded C A |
| 900001677 | XXXX | 1107982 | 05/02/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing COC for addition of Loan Discount Fee of ($) and the removal of the lender credit of ($) on the CD issued xx/xx/xx pg xx. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($) has decreased from the amount disclosed on the Loan Estimate sent on xxxx-xx-xx, ($). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). | 05/08/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 61.493%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; |  | COC dated xx/xx/xx for rate extension received. Finding cleared upon resubmission with COC. - COC dated xx/xx/xx for rate extension received. Finding cleared upon resubmission with COC. | Funded C A |
| 900001677 | XXXX | 1108444 | 05/06/2025 | Credit | Credit Report is Incomplete | CR 0002 | 1 | Closed | Missing initial credit report used to qualify borrower. Report page xxx is soft pull dated x/xx/xxxx prior to closing. Used final 1003 page xxx to complete debt obligation in conjunction with soft pull. Fico taken from credit score disclosure page xx. | 05/08/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 61.493%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; |  | 05/08/2025 Copy of credit report dated xx/xx/xxxx received. - 05/08/2025 Copy of credit report dated 03/27/2025 received. | Funded C A |
| 900001677 | XXXX | 1108457 | 05/06/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Missing business narrative required for bank statement loan. |  | Low LTV/CLTV/HCLTV - Low CLTV of 61.493%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; |  | 05/14/2025 Email received from investor, exception waived.<br>05/07/2025 Exception to waive guideline required must be requested from Investor. | Funded C B |
| 900001677 | XXXX | 1108555 | 05/06/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing documentation to verify borrower percentage of ownership via CPA letter, Operating Agreement, or equivalent. | 05/08/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 61.493%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; |  | 05/08/2025 CPA Letter verifying 100% ownership received. - 05/08/2025 CPA Letter verifying 100% ownership received. | Funded C A |
| 900001655 | XXXX | 1108761 | 05/07/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Borrower(s) on the first mortgage note are not the same as the borrower(s) on the second mortgage note as required by guidelines. Lender exception pages x;xxx-xxx. |  | Verified employment history - Borrower has been employed with same employer for 15 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 5 years.; |  | Client: Investor Acknowledged Exception. | Funded C B |
| 900001658 | XXXX | 1108152 | 05/05/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing a COC that addresses the rate decrease from 9.5% to 9%, addition of discount of ($), decrease in the general lender credit from ($) to ($) on CD issued xx/xx/xx pg xxx-- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on xxxx-xx-xx: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). | 05/08/2025 | Verified employment history - Borrower has been employed as a teacher for 5 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 8.5 years.; |  | 05/08/2025 COC received. Customer requested Change. - 05/08/2025 COC received. Customer requested Change. | Funded C A |
| 900001658 | XXXX | 1108154 | 05/05/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing a COC that addresses the rate decrease from 9.5% to 9%, addition of discount of ($), decrease in the general lender credit from ($) to ($) on CD issued xx/xx/xx pg xxx-- The sum of non-specific (lump sum) lender credits and specific lender credits ($) has decreased from the amount disclosed on the Closing Disclosure sent on xxxx-xx-xx, ($). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)) | 05/08/2025 | Verified employment history - Borrower has been employed as a teacher for 5 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 8.5 years.; |  | 05/08/2025 COC received (TRID 0195). Customer requested change. - 05/08/2025 COC received (TRID 0195). Customer requested change. | Funded C A |
| 900001661 | XXXX | 1109023 | 05/08/2025 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Exception to guidelines for Rural Property of XXXX acres. Lender exception page x. |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 10.8 years.; Low DTI - Low DTI of 21.68%.; |  | Client: EV2/B Investor Acknowledged Exception. | Funded C B |
| 900001715 | XXXX | 1109274 | 05/12/2025 | Credit | Missing copy of green card for permanent resident alien. | CRED 0122 | 1 | Closed | Application states that borrower is not a US Citizen. Residency documentation is not in file. | 05/27/2025 | Verified employment history - Borrower has been in same employment for 12 plus years.; Low DTI - Low DTI of 16.11%.; |  | Finding is cleared with the attached copy of the residency documentation. - 05/27/2025 Finding is cleared with the attached copy of the permanent resident card. | Funded C A |
| 900001715 | XXXX | 1109281 | 05/12/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified employment history - Borrower has been in same employment for 12 plus years.; Low DTI - Low DTI of 16.11%.; |  | 05/22/2025 EV2/B Post-Closing Corrective Action - PC CD received with LOE to the borrower explaining the reason for the change. | Funded C B |
| 900001715 | XXXX | 1109489 | 05/12/2025 | Credit | Missing Bank Statement(s) | CR 0012 | 1 | Closed | All twelve bank statements are missing some of the statement pages. | 05/27/2025 | Verified employment history - Borrower has been in same employment for 12 plus years.; Low DTI - Low DTI of 16.11%.; |  | 05/27/2025 - Finding is cleared with the attached complete copies of the 12 months bank statements. - 05/27/2025 Finding is cleared with the attached complete copies of the 12 months bank statements. | Funded C A |
| 900001715 | XXXX | 1109596 | 05/12/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing copy of XX Statement to verify payment of $XX per month used to qualify per the final 1003. | 06/02/2025 | Verified employment history - Borrower has been in same employment for 12 plus years.; Low DTI - Low DTI of 16.11%.; |  | 06/02/2025 - Initial credit report reflecting payment of $XX for XX account received. - 06/02/2025 Initial credit report reflect payment of $843 for CapOne account received.<br>05/27/2025 Finding remains. Missing initial credit report 03/27 as referenced in the attached response. | Funded C A |
| 900001718 | XXXX | 1109297 | 05/12/2025 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | COC dated (date) does not have a corresponding disclosure in file. Lender to provide corresponding disclosure. | 05/27/2025 | Verified employment history - Borrowers have been employed with same employer for 12 plus years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 14 plus years.; |  | 05/27/2025 - Lender confirms no re-disclosure was required explaining the reason for no re-disclosure. - 05/27/2025 Lender confirms no re-disclosure was required explaining the reason for no re-disclosure.<br>05/19/2025 COC in file 4/17 has no corresponding re-disclosure in file. Lender to provide the missing re-disclosure or an attestation confirming no re-disclosure was issued for COC dated 4/17. | Funded C A |
| 900001682 | XXXX | 1109386 | 05/12/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 1 | Closed | Missing COC for increase in Loan Discount Fee on CD issued XX/XX/XX. Fee increased from $450 to $730. COC dated XX/XX/XX disclosed $50 credit is for increase of Appraisal Fee in the amount of $50. -- | 05/14/2025 | Verified occupancy in subject property - Borrower has owned/occupied the subject property for XX years.; Verified employment history - Borrower has been employed with same employer for 21 years.; |  | 05/14/2025 COC Received, finding cleared upon resubmission with COC. - 05/14/2025 COC Received, finding cleared upon resubmission with COC. | Funded C A |
| 900001682 | XXXX | 1109387 | 05/12/2025 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | Missing lender rate sheet to verify bona fide discount points. Lender Mavent Report shows Bona Fide Discount Points of $500 were excluded. -- The loan fees ($XXXX) exceed the (FED2014) (Note Amount >=$XXXX) fee limit, which is 5% of the Total Loan Amount ($XXXX), the difference is ($0.82). (12 CFR 1026.32).<br>The loan fees ($2,359.00) exceed the (XX2014) High Cost fee limit, which is ($1,886.54), the difference is ($472.46). | 05/14/2025 | Verified occupancy in subject property - Borrower has owned/occupied the subject property for XX years.; Verified employment history - Borrower has been employed with same employer for 21 years.; |  | 05/14/2025 Lender rate sheet received which confirmed below par rate/ bona fide discount. - 05/14/2025 Lender rate sheet received which confirmed below par rate/ bona fide discount. | Funded C A |
| 900001682 | XXXX | 1109394 | 05/12/2025 | Compliance | Appraisal Dated prior to Intent to Proceed Date | TRID 0192 | 1 | Closed | Appraisal Report was addressed to Lender and paid by borrower on CD but was dated XX/XX/XX prior to application date and intent to proceed date of XX/XX/XX. | 05/15/2025 | Verified occupancy in subject property - Borrower has owned/occupied the subject property for XX years.; Verified employment history - Borrower has been employed with same employer for 21 years.; |  | 05/15/2025 Cleared per response from lender: The loan was re-originated and we used the Appraisal from the initial loan that was started with NAF. - 05/15/2025 Cleared per response from lender: The loan was re-originated and we used the Appraisal from the initial loan that was started with NAF. | Funded C A |
| 900001679 | XXXX | 1109648 | 05/13/2025 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | Missing the esign disclosure or disclosure tracking to verify when the borrower consented to receiving documents electronically. | 05/15/2025 | Verified employment history - Borrower has been employed for 23 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject for XXX years.; |  | 05/15/2025 Disclosure tracking confirming borrower consent on XX/XX/XX received. - 05/15/2025 Disclosure tracking confirming borrower consent on 04/10/25 received. | Funded C A |
| 900001679 | XXXX | 1109789 | 05/13/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing SAM search for the borrower used to clear high fraud alert. | 05/14/2025 | Verified employment history - Borrower has been employed for 23 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject for XXX years.; |  | 05/14/2025 SAM Search received. - 05/14/2025 SAM Search received. | Funded C A |
| 900001691 | XXXX | 1109873 | 05/14/2025 | Compliance | ROR cannot expire in less than 3 business days from the execution or transaction date | ROR 0012 | 1 | Closed | Subject transaction date is XX/XX/XX (Notary date), ROR was esigned XX/XX/XX with a cancellation date of XX/XX/XX. Earliest expiration date based on execution date would be XX/XX/XX. | 05/20/2025 | Verified reserves - 111 Months of verified reserves when none were required per lender guidelines on current CLTV.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 22 plus years.; Low LTV/CLTV/HCLTV - Low CLTV of 21.29%.; |  | ROR reflecting a expiration date of XX/XX/XX esigned by the borrower on XX/XX/XX received. - 05/20/2025 ROR reflecting a expiration date of 04/29/25 esigned by the borrower on 04/25/25 received.<br>05/16/2025 Response recd from lender: The dates are correct. The date the borrower signed is within the window. The date the borrower signed should not dictate the expiration window.<br>\*\*Finding remains the date that the borrower executes the document is the date that the ROR is considered as having been received. Expiration date on document should have been updated from 4/28/25 to 04/29/25. In order to cure recession would have to be re-opened/ | Funded C A |
| 900001691 | XXXX | 1109906 | 05/14/2025 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | Missing lender rate sheet to verify bona fide discount. -- The loan fees ($XX) exceed the (FED2014) (Note Amount >=$26,968.00) fee limit, which is 5% of the Total Loan Amount ($XX), the difference is ($XX). (12 CFR 1026.32). | 05/16/2025 | Verified reserves - 111 Months of verified reserves when none were required per lender guidelines on current CLTV.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 22 plus years.; Low LTV/CLTV/HCLTV - Low CLTV of 21.29%.; |  | 05/16/2025 - Lender rate sheet confirming below par rate received. - 05/16/2025 Lender rate sheet confirming below par rate received. | Funded C A |
| 900001676 | XXXX | 1110180 | 05/15/2025 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | Missing esign disclosure or the Docusign tracking to verify when borrowers consented to receiving documents electronically. | 05/19/2025 | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 21 years.; Low DTI - Low DTI of 19.16%.; |  | Recd eConsent certificate of completion - 05/19/2025 Recd eConsent certificate of completion | Funded C A |
| 900001676 | XXXX | 1110192 | 05/15/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing tax transcripts for both borrowers for (most recent two years) | 05/19/2025 | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 21 years.; Low DTI - Low DTI of 19.16%.; |  | Recd most recent two years wage transcripts for B1/B2. - 05/19/2025 Recd most recent two years wage transcripts for B1/B2. | Funded C A |
| 900001676 | XXXX | 1110198 | 05/15/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Missing COC for decrease in lender credit from ($) to ($) on the final CD (date). | 05/19/2025 | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 21 years.; Low DTI - Low DTI of 19.16%.; |  | Recd COC, 2-day extension reduced lender credit to ($). - 05/19/2025 Recd COC, 2-day extension reduced lender credit to $18.75. | Funded C A |
| 900001766 | XXXX | 1110266 | 05/15/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing B1 Wage & Income transcripts for years xxxx-xxxx. | 06/24/2025 | Verified housing payment history - 80 months of verified mortgage history paid 0X30 since xx/xxxx.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 8.33 years.; |  | 06/24/2025 xxxx and xxxx Wage & Income transcripts received. - 06/24/2025 2023 and 2024 Wage & Income transcripts received. | Funded C A |
| 900001722 | XXXX | 1111181 | 05/19/2025 | Credit | CLTV Exceeds Max Allowed | CRED 0012 | 1 | Closed | 69.90% CLTV : 65% Max Allowed (Max 70% for Alt - 5% Bank Statements). | 05/21/2025 | Verified employment history - Borrower has had same employment for 53 plus years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6 plus years.; |  | 05/21/2025 - Cleared investor response: "We made a mistake when we last updated our guidelines. We did not intent to apply another 5% haircut to the 70% max. We will clarify in the next update (currently in process). CLTV is below max of 75%." - 05/21/2025 Cleared investor response: We made a mistake when we last updated our guidelines. We did not intent to apply another 5% haircut to the 70% max. We will clarify in the next update (currently in process). CLTV is below max of 75%. | Funded C A |
| 900001695 | XXXX | 1111118 | 05/19/2025 | Compliance | Mortgage/Deed of Trust is Incomplete | DEED 0049 | 2 | Acknowledged | Borrower took sole title since first lien origination. Lender acknowledged exception. |  | Low LTV/CLTV/HCLTV - Low CLTV of 67.74%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 22 plus years.; |  | 05/19/2025 EV2/B - Investor Acknowledged Exception in file. | Funded C B |
| 900001697 | XXXX | 1111182 | 05/19/2025 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed | Missing UCC Termination or subordination agreement, (producer). Lien with (producer) was not paid off. (Preliminary Title) | 05/27/2025 | Verified reserves - 45 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6 plus years.; |  | 05/27/2025 - Recd title supplement, Item #9 XX and #10 XX, are both okay to remain on Title. Neither cause a title defect or lien against real property. Included is Notice of XX - This recorded notice does not constitute a title defect, lien, or encumbrance against the real property subject. UCC Financing Statement and Settlement Statement reflecting XX included. - 05/27/2025 Recd title supplement, Item #9 (Financing Statement) and #10 (Solar Contract), are both okay to remain on Title. Neither cause a title defect or lien against real property. Included is Notice of Independent Solar Energy Producer Contract - This recorded notice does not constitute a title defect, lien or encumbrance against the real property subject. UCC Financing Statement and Settlement Statement reflecting CLTA 150-06 Solar endorsement also included. | Funded C A |
| 900001698 | XXXX | 1111364 | 05/20/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Borrower(s) on the first mortgage note are not the same as the borrower on the second mortgage note as required by the guideline. Investor Acknowledged Exception. |  | Low LTV/CLTV/HCLTV - Low CLTV of 63.47%.; Verified occupancy in subject property - Borrower has occupied/owned the subject property for 9 plus years.; |  | Client: EV2/B Investor Acknowledged Exception | Funded C B |
| 900001711 | XXXX | 1111814 | 05/22/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XXXX transcripts. | 05/27/2025 | Verified credit history - Required FICO of 680 - actual FICO of 762; |  | Recd most recent two years transcripts. - 05/27/2025 Recd most recent two years wage transcripts. | Funded C A |
| 900001731 | XXXX | 1111226 | 05/19/2025 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | Missing CD issued xx/xx/xxxx as reflected on Disclosure tracking details (pg xxx). | 05/22/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 55.82%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7 years.; |  | 05/22/2025 xx/xx/xxxx CD received. - 05/22/2025 04/25/25 CD received. | Approved C |
| 900001731 | XXXX | 1111451 | 05/20/2025 | Credit | Credit Score (FICO) exception | CRED 0003 | 1 | Closed | Primary wage earner B2 FICO 643 < 680 Min Required. | 06/06/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 55.82%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7 years.; |  | 06/06/2025 Per lender- Income has been recalculated . B1 Social security has been grossed up. B2 income has been updated to base only and excluded OT or Bonus. B1 is now the primary wage earner. B1 Fico 724. Updated 1008/1003 provided. - 06/06/2025 Per lender- Income has been recalculated . B1 Social security has been grossed up. B2 income has been updated to base only and excluded OT or Bonus. B1 is now the primary wage earner. B1 Fico 724. Updated 1008/1003 provided.<br>06/03/2025 Per the LRCP guidelines V2.3_Effective 04.08.24 the minimum fico for the primary wage earner is 680 per the Matrix which is on page 3 of the guidelines. The minimum of 620 you are referencing is in general for all other borrower's on the loan. Primary Residence and Second Home (1-unit only)<br>Loan Amount&nbsp;&nbsp;&nbsp;&nbsp; FICO&nbsp;&nbsp;&nbsp;&nbsp; R/T & Cash-out<br>$50k – $350k&nbsp;&nbsp;&nbsp;&nbsp; 700&nbsp;&nbsp;&nbsp;&nbsp; 85<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 680\*&nbsp;&nbsp;&nbsp;&nbsp; 75 \* Full doc only<br>$350k – $500k&nbsp;&nbsp;&nbsp;&nbsp; 700&nbsp;&nbsp;&nbsp;&nbsp; 80 (Full Doc) / 70 (Alt Doc | Approved C |
| 900001704 | XXXX | 1111228 | 05/19/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | The final CD does not indicate the reason the borrower will not have an escrow account. |  | Verified housing payment history - 99+ months mortgage history paid 0x30.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 5 plus years.; |  | 05/20/2025 EV2/B Non-Material. | Funded C B |
| 900001729 | XXXX | 1111249 | 05/19/2025 | Compliance | Zero Tolerance Fee Violation | COMP 0027 | 1 | Closed | Missing valid COC for the increase from the transfer tax from ($) on the LE (pxxx) to ($) on the CD dated xx/xx/xxxx (pxxx). It is also unclear why a transfer tax is being charged, subject loan is a refinance with no change to vesting. | 06/06/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.18% < 85% Max Allowed.; Verified employment history - Borrower has been employed as operations manager for 5 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 5.5 years.; |  | 06/06/2025 Fee naming updated to Recordation Tax / Mortgage Tax. Upon resubmission finding cleared. - 06/06/2025 Fee naming updated to Recordation Tax / Mortgage Tax. Upon resubmission finding cleared.<br>05/28/2025 Tolerance violation is $6.40 (From $150 to $156.40). Also missing explanation settlement agent explanation for the charge. If the charge was collected in error then the fee should be refunded in it's entirety. | Approved C |
| 900001686 | XXXX | 1111765 | 05/21/2025 | Compliance | Homeownership Counseling Disclosure does not contain minimum required 10 counselors | RESPA 0030 | 1 | Closed | Missing copy of the Homeownership Counseling Disclosure to confirm a minimum of 10 agencies were disclosed. Disclosure tracking is in file, but the actual disclosure is missing. | 05/22/2025 | Verified housing payment history - 80 months of verified mortgage history paid 0x30.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for XXX years.; |  | 05/22/2025 Homeownership counseling disclosure received. - 05/22/2025 Homeownership counseling disclosure received. | Funded C A |
| 900001685 | XXXX | 1111999 | 05/22/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing Wage & income transcripts. | 06/02/2025 | Verified credit history - Required FICO of 680 with actual FICO of 703.; |  | 1040 transcripts received. - 06/02/2025 2024/2023 1040 transcripts received. | Funded C A |
| 900001748 | XXXX | 1111584 | 05/21/2025 | Credit | Trust Agreement is Incomplete | TRST 0003 | 1 | Closed | Trust on page xxx is not executed nor notarized. | 06/02/2025 | Verified employment history - Borrowers have been employed with their same employers for 21 and 19.8 years respectively.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 17.25 years.; |  | 06/02/2025 Executed trust documents received. - 06/02/2025 Executed trust documents received. | Funded C A |
| 900001748 | XXXX | 1111589 | 05/21/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing dry funding CD. Loan disbursed on xx/xx/xxxx (CD (page xxx). ROR (page xxx) reflects the dates were changed to transaction date xx/xx and expiration date of xx/xx. | 06/04/2025 | Verified employment history - Borrowers have been employed with their same employers for 21 and 19.8 years respectively.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 17.25 years.; |  | Final CD and Settlement Statement received confirming the actual disbursement date of xx/xx/xx. - 06/04/2025 Final CD and Settlement Statement received confirming the actual disbursement date of 05/16/25.<br>06/03/2025 Duplicate copy of the PC CD dated 05/29/25 which reflects a disbursement date of 05/16/25 received. \*\* Missing copy of the final Alta Settlement statement statement from the closing agent that confirms the final disbursement date of of/16/25.<br>06/02/2025 PC CD dated 05/29/25 which reflects a disbursement date of 05/16/25 received. Missing final Alta Settlement statements that confirms the final disbursement date of of/16/25. Only an estimated statement provided in file. | Funded C A |
| 900001761 | XXXX | 1111699 | 05/21/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD xx/xx/xxxx APR 9.025%<br>CD xx/xx/xxxx APR 8.876%<br>CD xx/xx/xxxx APR 8.831%<br>|  | Low LTV/CLTV/HCLTV - CLTV of 59.76% < 80% Max Allowed.; Verified employment history - Borrower has been self employed/owner for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  | 05/22/2025 EV2/B Decrease in APR is deemed to be a benefit to borrower. | Funded C B |
| 900001761 | XXXX | 1111705 | 05/21/2025 | Credit | Missing Title Holder Name from Title Evidence | TITL 0011 | 1 | Closed | Mortgage (page xxx) reflects added spouse of (redacted). Missing grant deed of evidence spouse added to title. | 06/04/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.76% < 80% Max Allowed.; Verified employment history - Borrower has been self employed/owner for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  | 06/04/2025 Cleared per lender response: Section 10 of Plaza guidelines indicates that parties on the Note must be on title. (redacted) is not on the Note. IL is a spousal state and requires that the spouse sign the mortgage. Per Title: Since IL is spousal, we proceeded with the joinder of the spouse on the mortgage for spousal rights only. Currently only Lyle is vested on title. Please accept based on spousal law. - 06/04/2025 Cleared per lender response: Section 10 of Plaza guidelines indicates that parties on the Note must be on title. Sallie Sawn is not on the Note. IL is a spousal state and requires that the spouse sign the mortgage. Per Title: Since IL is spousal, we proceeded with the joinder of the spouse on the mortgage for spousal rights only. Currently only Lyle is vested on title. Please accept based on spousal law. | Funded C A |
| 900001761 | XXXX | 1111709 | 05/21/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | COC (page xxx) issued xx/xx/xxxx reflects pricing change, CD (page xxx) reflects lower interest rate, but an increase of the fees from provider shown on the SPL (page xxx) greater than 10%. Title Examination increased ($), Lender's title policy increased ($) (Recording fee decreased ($)) for a variance of ($). | 06/26/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.76% < 80% Max Allowed.; Verified employment history - Borrower has been self employed/owner for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  | 06/09/2025 EV2/B Recd PCCD, Cover Letter, Refund Check $108.30, and Courier Tracking Receipt to evidence delivery to borrower completed within 60 days of consummation. | Funded C A |
| 900001761 | XXXX | 1111710 | 05/21/2025 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed |  | 06/26/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.76% < 80% Max Allowed.; Verified employment history - Borrower has been self employed/owner for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  | 06/26/2025 Wet signed LE dated 05/06/25 confirming borrower receipt. | Funded C A |
| 900001761 | XXXX | 1111812 | 05/22/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing fraud report with high risk fraud findings addressed; High fraud alert pg xxx, regarding Non-arm's length transaction with submitted participant role for CPA pg xxx. | 06/04/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.76% < 80% Max Allowed.; Verified employment history - Borrower has been self employed/owner for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  | 06/04/2025 Updated fraud report received. - 06/04/2025 Updated fraud report received. | Funded C A |
| 900001761 | XXXX | 1114821 | 06/09/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 1 | Closed | Closing CD (xx/xx) disclosed discount ($). Lock confirmation reflects lock extension (xx/xx) with price of ($), as disclosed on PCCD. 0% tolerance violation ($).<br>NOTE: TRID 0204 Cure ($) covers 10% tolerance violation. | 06/26/2025 | Low LTV/CLTV/HCLTV - CLTV of 59.76% < 80% Max Allowed.; Verified employment history - Borrower has been self employed/owner for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  | 06/20/2025 EV2/B Recd PCCD, Cover Letter, Refund Check $108.30, and Courier Tracking Receipt to evidence delivery to borrower completed within 60 days of consummation. | Funded C A |
| 900001788 | XXXX | 1112026 | 05/23/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing evidence line of credit with (creditor) for (##,###) is closed. Per credit report pg. xxx the Credit Line is still open, per transaction History Report the Credit Line is associated with the subject. | 06/11/2025 | Verified reserves - 2 months reserves required. Receiving 27 months cash out.; Verified credit history - Credit score of 762 > 700 Min Required.<br>; Verified employment history - Borrower has been with current employer > 5 years.; |  | 06/11/2025 Recd certificate of satisfaction. - 06/11/2025 Recd certificate of satisfaction. | Funded C A |
| 900001788 | XXXX | 1112036 | 05/23/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Fraud Alert has not been addressed. Missing (agency website) search for (name) to clear fraud alert. | 06/09/2025 | Verified reserves - 2 months reserves required. Receiving 27 months cash out.; Verified credit history - Credit score of 762 > 700 Min Required.<br>; Verified employment history - Borrower has been with current employer > 5 years.; |  | 06/09/2025 Recd SAM Search, no match found. - 06/09/2025 Recd SAM Search, no match found. | Funded C A |
| 900001788 | XXXX | 1112043 | 05/23/2025 | Credit | Unacceptable Mortgage History | CRED 0001 | 2 | Acknowledged | First mortgage was modified per credit report and mortgage statement. Missing documentation to confirm date and terms of modification to ensure seasoning has been met. |  | Verified reserves - 2 months reserves required. Receiving 27 months cash out.; Verified credit history - Credit score of 762 > 700 Min Required.<br>; Verified employment history - Borrower has been with current employer > 5 years.; |  | 07/03/2025 EV2/B - Investor Acknowledged Exception<br>07/02/2025 Please provide copy of approved exception.<br>06/24/2025 Copy of modification received. Modification was completed in 2019 for the subject property. Per guidelines modified first liens are ineligible. <br>06/11/2025 Attached documentation is insufficient to satisfy the exception. Missing investor acknowledgment for loan modification; Interest Rate reduced from 6.75% (pg 178) to 4.625% with $85,012.06 Deferred Principal (pg 177). Credit report confirms loan was modified (pg 153). | Funded C B |
| 900001788 | XXXX | 1112045 | 05/23/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Borrowers on 2nd lien do not match borrowers on 1st lien, spouse is not on 2nd lien. |  | Verified reserves - 2 months reserves required. Receiving 27 months cash out.; Verified credit history - Credit score of 762 > 700 Min Required.<br>; Verified employment history - Borrower has been with current employer > 5 years.; |  | 05/27/2025 EV2/B - Investor acknowledged exception (pg 2). | Funded C B |
| 900001703 | XXXX | 1111796 | 05/22/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | File is missing tax transcripts for year XXXX. File contains XXXX only. | 05/28/2025 | Low LTV/CLTV/HCLTV - CLTV of 70.42% < 85% Max Allowed.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6 plus years.; |  | Finding is cleared with the attached transcript. - 05/28/2025 Finding is cleared with the attached wage transcript. | Funded C A |
| 900001735 | XXXX | 1111760 | 05/21/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Estimated Property Costs over Year 1 are based on annual HOA dues of ($) as reflected on the appraisal (pxxx), however HOA printout reflects the annual dues as ($) (pxxx). Using this figure, the Estimated Property Costs over Year 1 are under-disclosed. 1st mortgage is not escrowed (pxxx) | 06/04/2025 | Verified reserves - No reserves required, borrower is receiving 20.65 months in cash out proceeds; |  | 06/04/2025 EV2/B Post-closing corrective action -- Corrected PC CD with LOE to the borrower received. - 06/04/2025 EV2/B Post-closing corrective action -- Corrected PC CD with LOE to the borrower received. | Funded C A |
| 900001734 | XXXX | 1112069 | 05/23/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing loan approval / underwriting decision. Only 1008 provided in file. | 05/27/2025 | Established credit history - Representative credit score of 801 > 700 Min Required.; Verified employment history - 17 years stable employment for B2.; |  | Recd underwriting conditional approval. - 05/27/2025 Recd underwriting conditional approval. | Approved D |
| 900001734 | XXXX | 1112119 | 05/23/2025 | Compliance | Missing Net-tangible Benefit worksheet | NTB 0001 | 1 | Closed | CO TNB Disclosure does not identify the benefit to borrower (pg 89). | 05/28/2025 | Established credit history - Representative credit score of 801 > 700 Min Required.; Verified employment history - 17 years stable employment for B2.; |  | 05/28/2025 CO TNB Disclosure that identifies the benefit to borrower received. - 05/28/2025 CO TNB Disclosure that identifies the benefit to borrower received. | Approved C |
| 900001734 | XXXX | 1112124 | 05/23/2025 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing B1 Verbal Verification of Employment completed within 10 business days of the Note date (xx/xx/xxxx). | 05/27/2025 | Established credit history - Representative credit score of 801 > 700 Min Required.; Verified employment history - 17 years stable employment for B2.; |  | Recd 3rd Party VOI, YTD Paystubs, and Two-Years W2s. - 05/27/2025 Recd 3rd Party VOI, YTD Paystubs, and Two-Years W2s (REF CRED 0082) | Approved C |
| 900001734 | XXXX | 1112136 | 05/23/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing B1 paystubs, xxxx/xxxxx W2s, and VOE. The only income documentation presented in file were the most recent two years wage transcripts. | 05/27/2025 | Established credit history - Representative credit score of 801 > 700 Min Required.; Verified employment history - 17 years stable employment for B2.; |  | 05/27/2025 Recd 3rd Party VOI, YTD Paystubs, and Two-Years W2s. - 05/27/2025 Recd 3rd Party VOI, YTD Paystubs, and Two-Years W2s. | Approved C |
| 900001702 | XXXX | 1112075 | 05/23/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | The amounts disclosed on the last Closing Disclosure (date) for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on (date): Missing Valid COC for increase to XX. | 05/28/2025 | Verified housing payment history - 87 months of verified mortgage history paid 0x30.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 11 plus years.; |  | Finding is cleared with the attached COC, borrower requested loan amount increase corresponding to XX change in amount. - 05/28/2025 Finding is cleared with the attached COC, borrower requested loan amount increase. Cost of rate increase charged to borrower. | Funded C A |
| 900001705 | XXXX | 1112109 | 05/23/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing dry funding CD to confirm disbursement. Final CD, disbursement date of XX/XX/XX does not allow the borrower(s) with 3 rescission days: <br>The disclosed "Right to Cancel Expire Date" (XX/XX/XX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) | 06/02/2025 | Verified reserves - 34 months of verified cash out reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6 plus years.; |  | Disbursement information received and updated, exception cleared. - 06/02/2025 PC CD and final settlement statement received. Funding date of 05/12/25 confirmed. | Funded C A |
| 900001709 | XXXX | 1112113 | 05/23/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD (date) APR 9.46%<br>CD (date) APR 9.211%<br>CD (date) APR 9.211%<br>Reduction .0249%<br>|  | Net tangible benefit - Second lien note is dropping from 12.65% to 9.125%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 4 plus years.; |  | 05/27/2025 EV2/B - Decrease in APR is deemed to be a benefit to borrower. | Funded C B |
| 900001747 | XXXX | 1112350 | 05/27/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 2 | Acknowledged | Missing COC for increased recording fees. Fee increased from $150 to $248 on the final CD (date). |  | Verified credit history - Required FICO of 680 with actual FICO of 806.; |  | 06/06/2025 EV2/B - Recd Cover Letter, PCCD, Refund Cehck $37, and Courier Receipt to evidence package in transit to borrower within 60 days of consummation. | Approved C B |
| 900001747 | XXXX | 1112530 | 05/27/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing (year) W2 or (year) Wage and income transcripts for B2. | 06/11/2025 | Verified credit history - Required FICO of 680 with actual FICO of 806.; |  | 06/11/2025 Recd (year) wage transcript, employer name discrepancy is due to merger as confirmed with the attached supporting documentation. - 06/11/2025 Recd (2023) wage transcript, employer name discrepancy is due to merger as confirmed with the attached supporting documentation.<br>06/02/2025 Per lender response Plaza guidelines only require pay stubs and previous year W2.<br>\*\*Finding remains, loan was reviewed to the LRCP guides which requires 2 yrs unless loan is AUS approved with reduced documentation requirements. Missing 2023 W2 and/ or 2023 Wage and income transcripts. | Approved C |
| 900001747 | XXXX | 1112535 | 05/27/2025 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing (year) Wage and income transcripts for B2. | 06/11/2025 | Verified credit history - Required FICO of 680 with actual FICO of 806.; |  | 06/11/2025 Recd (year) wage transcript, employer name discrepancy is due to merger as confirmed with the attached supporting documentation. - 06/11/2025 Recd (2023) wage transcript, employer name discrepancy is due to merger as confirmed with the attached supporting documentation.<br>06/02/2025 Per lender response Plaza guidelines transcripts are not required.<br>\*\*Finding remains, loan was reviewed to the LRCP guides which requires Wage & Income Transcripts for the year(s) of qualifying income. Missing 2023 Wage and income transcript for B2. | Approved C |
| 900001749 | XXXX | 1112454 | 05/27/2025 | Credit | Missing Title Evidence | TITL 0001 | 1 | Closed | Missing the Title Commitment or Preliminary Report or Title Policy. | 06/02/2025 | Verified credit history - Required FICO of 680 with actual FICO of 728.; Verified reserves - Required 2 months of reserves with verified liquid assets of 19 months.; |  | Prelim title received. - Prelim title received. | Funded D A |
| 900001749 | XXXX | 1112460 | 05/27/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated xx/xx/xxxx (Page xxx) does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified credit history - Required FICO of 680 with actual FICO of 728.; Verified reserves - Required 2 months of reserves with verified liquid assets of 19 months.; |  | 06/04/2025 EV2/B Post Closing Corrective Action -- PC CD with LOE to borrower received.<br>06/02/2025 Corrected PC CD received.<br>\*\* Finding remains, missing LOE to borrower explaining reason for change. | Funded C B |
| 900001779 | XXXX | 1112525 | 05/27/2025 | Compliance | Appraisal Dated prior to Intent to Proceed Date | TRID 0192 | 1 | Closed | Missing Broker Intent to Proceed. Appraisal (Page xxx) was to another lender and dated xx/xx/xxxx. Letter to transfer appraisal (Page xxx) is dated xx/xx/xxxx. Both dates are prior to Intent to Proceed date of xx/xx/xxxx (Page xxx). | 06/18/2025 | Verified reserves - 39 months of verified reserves.; Verified credit history - 790 credit score, 110 points above guideline requirement.; Established credit history - Established credit history with all accounts paid timely.; |  | 06/18/2025 Cleared, agree w/lender response: (redacted) disagrees with this finding. The loan was assigned to a previous lender PennyMac.<br>The appraisal was transferred from a prior transaction with (redacted). - 06/18/2025 Cleared, agree w/lender response: Plaza disagrees with this finding. The loan was assigned to a previous lender PennyMac.<br>The appraisal was transferred from a prior transaction with PennyMac. | Funded C A |
| 900001779 | XXXX | 1112533 | 05/27/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | Missing COC for increase in Recording Fee on CD issued xx/xx/xxxx. -- | 06/16/2025 | Verified reserves - 39 months of verified reserves.; Verified credit history - 790 credit score, 110 points above guideline requirement.; Established credit history - Established credit history with all accounts paid timely.; |  | 06/16/2025 Exception can be downgraded to EV2/B as soon as the shipment tracking reflects package as being in transit to borrower. Recd PCCD , Cover Letter, Refund Check $34.60 with Courier Tracking Receipt. Tracking details (2897-5456-6350 Fed Ex) reflects, label created. | Funded C A |
| 900001779 | XXXX | 1112663 | 05/28/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing documentation to verify retirement income for B2 of ($) used to qualify. Review DTI excluding this income source is 47.64%. | 06/05/2025 | Verified reserves - 39 months of verified reserves.; Verified credit history - 790 credit score, 110 points above guideline requirement.; Established credit history - Established credit history with all accounts paid timely.; |  | 06/05/2025 Updated 1008 provided. Retirement income for B2 was removed. Lender updated DTI 49.31%. Borrower qualifies for DTI to 50%. - 06/05/2025 Updated 1008 provided. Retirement income for B2 was removed. Lender updated DTI 49.31%. Borrower qualifies for DTI to 50%. | Funded C A |
| 900001779 | XXXX | 1113418 | 05/30/2025 | Credit | Questionable continuation of income | CRED 0045 | 1 | Closed | Missing IRA account statement for Borrower 2 to verify the sufficient funds to support a three year continuance of the IRA distribution income of ($) used to qualify. (xxxx and xxxx 1099s provided.) | 06/05/2025 | Verified reserves - 39 months of verified reserves.; Verified credit history - 790 credit score, 110 points above guideline requirement.; Established credit history - Established credit history with all accounts paid timely.; |  | 06/05/2025 Updated 1008 provided. Retirement income for B2 was removed. Lender updated DTI 49.31%. Borrower qualifies for DTI to 50%. - 06/05/2025 Updated 1008 provided. Retirement income for B2 was removed. Lender updated DTI 49.31%. Borrower qualifies for DTI to 50%. | Funded C A |
| 900001760 | XXXX | 1113169 | 05/29/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Investor acknowledged exception for spouse not on Note (pg xx). |  | Verified reserves - Required 2 months of reserves with cash in hand sufficient to cover 13 months reserves.; Verified credit history - Required FICO of 700 with actual FICO of 741.; |  | 05/29/2025 EV2/B - Investor Acknowledged Exception | Funded C B |
| 900001760 | XXXX | 1113171 | 05/29/2025 | Compliance | NMLS IDs do not match | NMLS 0011 | 1 | Closed | Contact Name, (redacted), and NMLS ID, (redacted), reflected on the Closing Disclosure (pg xxx) does not match to the Note/DOT/1003: (redacted) (redacted). | 06/04/2025 | Verified reserves - Required 2 months of reserves with cash in hand sufficient to cover 13 months reserves.; Verified credit history - Required FICO of 700 with actual FICO of 741.; |  | 06/04/2025 TPR Error, CD cited in exception comments on pg xxx is an interim disclosure dated xx/xx/xx. Final CD tested and all NMLS match. - 06/04/2025 TPR Error, CD cited in exception comments on pg 606 is an interim disclosure dated 03/12/25. Finaal CD tested and all NMLS match. <br>06/02/2025 Per lender response the LO Alex Smith is no longer with NAF. Because of this, the LO switched to Anthony Herrera on 5/9 CD.<br>\*\* Finding remains as the NMLS on the Note and Mortgage should match the CD. Explanation acceptable explanation for the final 1003. | Funded C A |
| 900001732 | XXXX | 1112619 | 05/28/2025 | Compliance | Missing Intent to Proceed Disclosure | GFE 0002 | 1 | Closed | Missing Intent to Proceed executed by B2. | 06/09/2025 | Low LTV/CLTV/HCLTV - CLTV of 64.63% < 85% Max.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 11.41 years.; |  | 06/09/2025 Recd ITP for B2. - 06/09/2025 Recd ITP for B2 (04/14/2025). | Approved D |
| 900001732 | XXXX | 1114814 | 06/09/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Approved DTI 44.008% / Review DTI 38.64%, variance > 3% tolerance. Difference is due to taxes and insurance being double counted; escrow payment was included in First Mortgage P&I of ($) and separate line items on the 1008. Missing revised 1008. | 06/10/2025 | Low LTV/CLTV/HCLTV - CLTV of 64.63% < 85% Max.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 11.41 years.; |  | 06/10/2025 Recd revised 1008/Approval, Approved DTI 37.920%, variance < 3% is non-material. - 06/10/2025 Recd revised 1008/Approval, Approved DTI 37.920%, variance < 3% is non-material. | Approved C |
| 900001687 | XXXX | 1112849 | 05/28/2025 | Compliance | Mortgage/Deed of Trust is Incomplete | DEED 0049 | 2 | Acknowledged | First lien DOT had spouse in title and second lien does not. Parties are divorced as of XX/XX. LENDER EXCEPTION in file. |  | Low LTV/CLTV/HCLTV - Low CLTV of 69.72%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for XX years.; |  | Client: Investor Acknowledged Exception. | Funded C B |
| 900001707 | XXXX | 1112798 | 05/28/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for the addition of the XX fee of $XX. --The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on XX/XX/XX: XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). | 06/02/2025 | Verified employment history - 30 plus years employment stability.; Low DTI - DTI 11 points below guidelines; |  | COC for added XX received. - 06/02/2025 COC for added HOA Certification received. | Funded C A |
| 900001717 | XXXX | 1112970 | 05/29/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified housing payment history - 81 months of verified mortgage history paid 0x30 since XXXX.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 3 plus years.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001739 | XXXX | 1112993 | 05/29/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Missing LOX as to why both borrowers marked Non-Permanent Resident Aliens on initial 1003 and marked as US Citizen on final applications. | 06/04/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 64.73%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 11 years.; |  | 06/04/2025 Email from lender received: This was marked in error and fixed by the LO, finding cleared. - 06/04/2025 Email from lender received: This was marked in error and fixed by the LO, finding cleared. | Funded C A |
| 900001708 | XXXX | 1113359 | 05/30/2025 | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 2 | Acknowledged | Missing COC for change in loan amount and term on LE issued XX/XX/XX. |  | Low LTV/CLTV/HCLTV - CLTV of 26.29% < 85% Max Allowed.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 21 plus years.; |  | 06/06/2025 EV2/B Loan was not locked when updated LE was issued and there was no fee violation associated with this disclosure. | Funded C B |
| 900001753 | XXXX | 1113515 | 06/02/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 2 | Acknowledged | Missing evidence loan disbursed after the ROR expiration date of (date). Final settlement statement and final CD dated (date) reflect a disbursement date of (date). It is noted the the settlement statements reflects interest from date of (date). (Lender to provide a certified copy of the corrected final settlement statement and PC CD if applicable). If loan disbursed prior to expiration date recession period to be re-opened. |  | Low LTV/CLTV/HCLTV - CLTV of 64.91% < 85% Max Allowed.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 8.5 years.; Low DTI - DTI of 25.75% < 45% Max Allowed.; |  | 06/09/2025 EV2/B - Recd PCCD and cover letter. US Mailbox Rule to be applied.<br>06/06/2025 Finding was partially cleared with the Amended Final Settlement Statement reflecting a disbursement and interest from date of 05/27/25.<br>\*\* Finding remains pending receipt of corresponding updated CD for dry funding state.<br>06/04/2025 Finding is partially cleared with the Amended Final Settlement Statement reflecting a disbursement and interest from date of 05/27/25.<br>\*\* Finding remains pending receipt of corresponding final CD for dry funding state.<br>06/04/2025 Interest From Date and the Disbursement date do not match. No Final CD provided. | Approved C B |
| 900001764 | XXXX | 1113571 | 06/02/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing ABD for lender. If lender has no affiliates an attestation on company letter head from a compliance officer may be provided. | 06/06/2025 | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 26 years.; Low DTI - DTI 40.07% < 45% Max Allowed.; |  | 06/06/2025 Seller confirms that there are no affiliated business relationships involved in the the subject transaction, thus no ABD is required. - 06/06/2025 Seller confirms that there are no affiliated business relationships involved in the the subject transaction, thus no ABD is required. | Funded C A |
| 900001764 | XXXX | 1114212 | 06/04/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | The appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 26 years.; Low DTI - DTI 40.07% < 45% Max Allowed.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001764 | XXXX | 1114671 | 06/06/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Approved DTI 32.308% / Review DTI 38.40%, variance > 3%. Difference is due to lender not including TI of ($) on non-subject REO or Solar Debt of ($). | 06/16/2025 | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 26 years.; Low DTI - DTI 40.07% < 45% Max Allowed.; |  | 06/16/2025 Recd revised 1008 with DTI 40.075%, variance < 3%. - 06/16/2025 Recd revised 1008 with DTI 40.075%, variance < 3%. <br>06/12/2025 Revised 1008 All Total Month Payments of $6804.85 appears to have double counted the tax and insurance on non-subject REO. <br>1008 Primary Housing Expense $3556.59 + All Other Payments $2117.17 = $5673.76, but 1008 Total All Monthly Payments reflects $6804.85 resulting in an excessive DTI of 48.064%.<br>06/11/2025 Attached 1008 reflects a DTI 48.064%. Missing revised 1008 that includes Tax and Insurance for non-subject REO and solar payment of $407 resulting in a DTI of 40.07%, as indicated in the lender posted response. | Funded C A |
| 900001757 | XXXX | 1113781 | 06/02/2025 | Compliance | ROR cannot expire in less than 3 business days from the execution or transaction date | ROR 0012 | 1 | Closed | ROR pgs 3-4 reflects an expiration date of xx/xx/xxxx. Based on transaction date of xx/xx/xx expiration date would have been xx/xx/xx. Borrower did not receive a complete 3 business day rescission period- as required per TILA regulation. (Monday, xx/xx/xx was a federal holiday and was not to be counted as a valid rescission day. Lender to provide borrower with a new 3-day rescission period. | 06/18/2025 | Verified reserves - 45 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self employed owner for 13.7 years.; Low DTI - Low DTI of 20.29%.; |  | Corrected RORs received. Expiration date was updated to xx/xx/xx and initialed by the borrower. - 06/18/2025 Corrected RORs received. Expiration date was updated to 05/28/25 and initialed by the borrower. | Funded C A |
| 900001757 | XXXX | 1114254 | 06/04/2025 | Compliance | Note is Incomplete | NOTE 0050 | 1 | Closed | Subject note does not include spouse that was included on the 1st lien Note pg xxx. Per guideline Borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note (exceptions considered on a case-by case basis). | 06/06/2025 | Verified reserves - 45 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self employed owner for 13.7 years.; Low DTI - Low DTI of 20.29%.; |  | 06/06/2025 TPR set in error. Per investor, effective immediately (xx/xx/xxxx) seller can remove/add immediate family member without it being considered an exception. - 06/06/2025 TPR set in error. Per investor, effective immediately (08/05/2024) seller can remove/add immediate family member without it being considered an exception. | Funded C A |
| 900001789 | XXXX | 1114324 | 06/04/2025 | Compliance | Note is Incomplete | NOTE 0050 | 1 | Closed | Missing copy of first lien note or mortgage statement as required by guidelines. | 07/01/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 26.04%.; Verified employment history - Borrower has been employed with same employer for 25 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 12 years.; |  | 07/01/2025 Online print out received verifying bi-weekly payment amount of ($). Monthly Escrow payment ($), Balance ($) with next draft date of xx/xx/xx. - 07/01/2025 Online print out received verifying bi-weekly payment amount of $489.09. Monthly Escrow payment 400.61, Balance $64,003.58 with next draft date of 07/05/25.<br>06/26/2025 Missing copy of first lien note or current mortgage statement from M & T Bank for A/# ending in 2341. | Funded C A |
| 900001789 | XXXX | 1114330 | 06/04/2025 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Missing insurer's replacement cost estimate to verify if coverage of ($) pg xxx is sufficient. Appraisal, page xxx, shows replacement cost new of ($). Total lien value is ($) for both liens. Unable to determine if replacement cost on policy would actually cover replacement costs new or total loan amounts of ($). | 06/11/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 26.04%.; Verified employment history - Borrower has been employed with same employer for 25 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 12 years.; |  | 06/11/2025 Recd master insurance policy that includes guaranteed replacement cost coverage up to ($), ($) value used for subject. - 06/11/2025 Recd master insurance policy that includes guaranteed replacement cost coverage up to $50,128,300, $576,900 value used for subject. | Funded C A |
| 900001789 | XXXX | 1114355 | 06/05/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Low LTV/CLTV/HCLTV - Low CLTV of 26.04%.; Verified employment history - Borrower has been employed with same employer for 25 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 12 years.; |  | 06/09/2025 EV2/B Non-Material | Funded C B |
| 900001740 | XXXX | 1114226 | 06/04/2025 | Compliance | Appraisal Dated prior to Intent to Proceed Date | TRID 0192 | 1 | Closed | Missing explanation for Appraisal being ordered prior to receiving the borrowers intent to proceed. Appraisal is dated (date). Intent to Proceed is executed (date). | 06/09/2025 | Verified employment history - B2 has been employed with current employer for 9 years and in current line of work for 19 years.; Low DTI - DTI of 30.24% < 45% Max Allowed.; |  | 06/09/2025 Recd ITP dated prior to the appraisal date (date) - 06/09/2025 Recd ITP dated prior to the appraisal date (04/22/25) | Approved C |
| 900001754 | XXXX | 1114323 | 06/04/2025 | Credit | Title Policy Coverage Amount is less than the loan amount | TITL 0016 | 1 | Closed | Junior Loan Policy, title insurance coverage is: ($), with note amount of ($). | 06/10/2025 | Verified reserves - 58 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed doing landscaping for 5.9 years.; |  | 06/10/2025 Recd Supplemental Report, proposed loan amount ($). - 06/10/2025 Recd Supplemental Report (05/19/2025), proposed loan amount $143,599. | Approved C |
| 900001781 | XXXX | 1114236 | 06/04/2025 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | PUD Rider is not in file. | 06/09/2025 | Verified employment history - Borrower has been self employed for 11 years.; Low DTI - DTI of 23.37% < 45% Max Allowed.; |  | Recd Mortgage with PUD Rider and Exhibit A. - Recd Mortgage with PUD Rider and Exhibit A. | Funded C A |
| 900001781 | XXXX | 1114237 | 06/04/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal Description is not attached to or contained within Mortgage. | 06/09/2025 | Verified employment history - Borrower has been self employed for 11 years.; Low DTI - DTI of 23.37% < 45% Max Allowed.; |  | 06/09/2025 Recd Mortgage with PUD Rider and Exhibit A. - 06/09/2025 Recd Mortgage with PUD Rider and Exhibit A. | Funded C A |
| 900001781 | XXXX | 1114241 | 06/04/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Property Costs Over Year 1 of ($) is understated. The HOA Fee of ($) included in the disclosed estimated property costs of ($) is understated by ($); Actual HOA Fee is ($) with total property costs of ($) (Costs Over Year 1 ($)). |  | Verified employment history - Borrower has been self employed for 11 years.; Low DTI - DTI of 23.37% < 45% Max Allowed.; |  | 06/18/2025 EV2 / B Post-Closing corrective action.- Corrected CD and LOE to borrower received. | Funded C B |
| 900001785 | XXXX | 1114627 | 06/06/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing xxxx Wage & Income transcripts for B1 and B2. Only xxxx-xxxx provided. | 06/25/2025 | Verified employment history - 30 years employment stability.; Low LTV/CLTV/HCLTV - Low CLTV 62%.; Verified credit history - All accounts always paid timely.; |  | 06/25/2025 xxxx Wage & Income transcript for B1 received. - 06/25/2025 2024 Wage & Income transcript for B1 received. | Funded C A |
| 900001785 | XXXX | 1114631 | 06/06/2025 | Credit | Income Calculation Discrepancy | CRED 0084 | 1 | Closed | Final 1008/1003 reflects base income of ($) used to qualify. Review calculated base income of ($). Income calculation of ($) is based on 12 mths vs 9 mths per contract. Lender income calculator for B1 reflects ($) which is based on 24 mth average of xxxx/xxxx. Borrower is a teacher and is paid on 9 mths not 12 per WVOE. Missing updated 1008 reflecting the corrected income. Review DTI 48.87%. | 06/11/2025 | Verified employment history - 30 years employment stability.; Low LTV/CLTV/HCLTV - Low CLTV 62%.; Verified credit history - All accounts always paid timely.; |  | 06/11/2025 Recd revised 1008, Approved DTI 49.400%. - 06/11/2025 Recd revised 1008, Approved DTI 49.400%. | Funded C A |
| 900001786 | XXXX | 1114408 | 06/05/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal Description attached to Mortgage in file is for a different property. | 07/01/2025 | Low LTV/CLTV/HCLTV - CLTV of 64.33% < 80% Max Allowed.; Verified housing payment history - Borrower has 99 months of verified mortgage history paid 0x30.; |  | 07/01/2025 Scrivener's Affidavit and letter of intent to re-record Schedule A received. - 07/02/2025 Scrivener's Affidavit and letter of intent to re-record Schedule A received. | Funded C A |
| 900001786 | XXXX | 1114426 | 06/05/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Low LTV/CLTV/HCLTV - CLTV of 64.33% < 80% Max Allowed.; Verified housing payment history - Borrower has 99 months of verified mortgage history paid 0x30.; |  | 06/06/2025 EV2/B - Non-Material | Funded C B |
| 900001786 | XXXX | 1114433 | 06/05/2025 | Compliance | Appraisal Dated prior to Intent to Proceed Date | TRID 0192 | 2 | Acknowledged | Appraisal Fee $645 was paid, prior to the ITP. |  | Low LTV/CLTV/HCLTV - CLTV of 64.33% < 80% Max Allowed.; Verified housing payment history - Borrower has 99 months of verified mortgage history paid 0x30.; |  | 07/07/2025 EV2/B Post-Closing Corrective Action - Appraisal fee refunded to borrower. PC CD, LOE, Refund check, and tracking received.<br>06/24/2025 Yes, investor will allow for cure of the appraisal fee. Additionally the other items noted above will also need to be corrected. Finding can be downgraded to an EV2/B with copy of refund check to the borrower for the appraisal, LOE to borrower explaining reason for refund and re-disclosure, and corrected PC CD.<br>06/18/2025 Attached PCCD and cover letter are insufficient to satisfy the exception.<br>1) Appraisal Fee Paid Prior to ITP.<br>2) Escrow section is inaccurate, 2nd lien is not escrowed and pg 1 and 4 of 5 of the CD reflects loan is escrowed. Pg 1 escrow indicators should be marked, no. Escrow Account section on pg 4 should be marked, will not have an escrow account because, select reason, and estimated property costs over year 1 provided. | Funded C B |
| 900001726 | XXXX | 1114380 | 06/05/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. | 06/11/2025 | Verified employment history - 8 plus years stable employment.; Verified credit history - Limited outstanding debt after closing.; Verified housing payment history - Timely mortgage payment history on 2 mortgages.; |  | Recd underwriting conditional approval. - 06/11/2025 Recd underwriting conditional approval. | Approved D |
| 900001726 | XXXX | 1114651 | 06/06/2025 | Credit | Missing Copy of Quit Claim Deed | QCD 0001 | 1 | Closed | Missing copy of executed deed removing XX from title. Transfer Deed in file is not executed. | 06/11/2025 | Verified employment history - 8 plus years stable employment.; Verified credit history - Limited outstanding debt after closing.; Verified housing payment history - Timely mortgage payment history on 2 mortgages.; |  | 06/11/2025 - Recd exceed transfer grant deed. - 06/11/2025 Recd exceed interspousal transfer grant deed. | Approved C |
| 900001733 | XXXX | 1114465 | 06/05/2025 | Compliance | Texas 50(a)(6) Loan Fees Exceed the Permissible Fee Limitation. | TXEQ 0015 | 1 | Closed | Missing lender rate sheet/ lock to validate bona fide discount points of ($). (Total Fees ($), less discount of ($) = ($) Total allowed is ($).) | 06/10/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 53%.; Verified housing payment history - 99 months of verified mortgage history paid 0X30 since X/XXXX.; Verified employment history - Borrower has been employed as a project manager with same employer for 26 years.; |  | 06/10/2025 Lender rate sheet received. Bona fide discount verified. Finding cleared upon resubmission. - 06/10/2025 Lender rate sheet received. Bona fide discount verified. Finding cleared upon resubmission. | Approved C |
| 900001733 | XXXX | 1114466 | 06/05/2025 | Compliance | Missing TX Home Equity Affidavit and Agreement | TXEQ 0019 | 1 | Closed | Missing TX Home Equity Affidavit and Agreement. | 06/09/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 53%.; Verified housing payment history - 99 months of verified mortgage history paid 0X30 since X/XXXX.; Verified employment history - Borrower has been employed as a project manager with same employer for 26 years.; |  | Recd TX Home Equity Affidavit & Agreement. - 06/09/2025 Recd TX Home Equity Affidavit & Agreement. | Approved C |
| 900001742 | XXXX | 1114497 | 06/05/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | Initial CD APR 10.323% / Final CD APR of 9.495%, variance > 0.125% tolerance. |  | Verified employment history - Borrowers have been employed for 15.6 and 16.6 years respectively.; Low DTI - DTI of 16.25% < 45% Max.; |  | 06/09/2025 EV2/B Non-Material, decrease is deemed to be a benefit to borrower. | Approved C B |
| 900001769 | XXXX | 1114542 | 06/06/2025 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing PUD Rider. | 06/09/2025 |  |  | 06/09/2025 Recd executed PUD Rider. - 06/09/2025 Recd executed PUD Rider. | Funded C A |
| 900001769 | XXXX | 1114546 | 06/06/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Property Costs Over Year 1 of ($) are inaccurate, estimated property costs of ($) do not include the HOA Fee ($). Actual estimated property costs are ($) with property costs over year 1 of ($). |  |  |  | 06/18/2025 EV2/B Recd PCCD and cover letter. US Mailbox Rule applied. | Funded C B |
| 900001769 | XXXX | 1114669 | 06/06/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 2 | Acknowledged | Missing investor acknowledgement for lender approved exception to waive wage transcripts with the code 10 findings. |  |  |  | 06/09/2025 EV2/B Investor Acknowledged Exception | Funded C B |
| 900001774 | XXXX | 1114681 | 06/06/2025 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed | Quit Claim Deed in file is not executed by the ex-spouse, only the borrower. Divorce Decree states the property was to be vested to borrower only as a part of the divorce settlement. Unable to verify that the subject property is vested only to the borrower. ROR, CD, and Mortgage for loan transaction is only executed by the borrower. | 06/18/2025 | Verified reserves - 14 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed in same field for 13 years with same employer.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6.5 years.; |  | 06/18/2025 Recd Quit-Claim Deed executed by the borrower and ex-spouse. - 06/18/2025 Recd Quit-Claim Deed executed by the borrower and ex-spouse. | Funded C A |
| 900001774 | XXXX | 1114771 | 06/09/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Approved DTI 29.30% / Review DTI 21.07%, variance > 3% tolerance. Approved DTI double counted first lien mortgage by including the payment of ($) in Subordinate Lien P&I of ($) on the 1008. Missing revised 1008. | 06/18/2025 | Verified reserves - 14 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed in same field for 13 years with same employer.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6.5 years.; |  | 06/18/2025 Recd revised 1008, DTI 20.016%, variance < 3% is non-material. - 06/18/2025 Recd revised 1008, DTI 20.016%, variance < 3% is non-material. | Funded C A |
| 900001746 | XXXX | 1114939 | 06/10/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing the (year) Wage and Income Transcript for both borrowers. | 06/11/2025 | Verified reserves - Borrowers have 35 months verified reserves.; Verified credit history - 800 representative credit score is 100 points above guideline requirement.; |  | Finding is cleared with the attached (year) wage transcript. - 06/11/2025 Finding is cleared with the attached (2023) wage transcript. | Approved C |
| 900001780 | XXXX | 1114886 | 06/10/2025 | Credit | Non-Arms Length Transaction | CRED 0026 | 1 | Closed | Missing investor acknowledgment, B1 is owner/president of (redacted) that originated subject loan. | 06/18/2025 | Verified employment history - Qualification on B2 only reflects self employment for 9.71 years. B1 has been owner and president of his business for 30 years - income not used in qualification.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 21 years.; |  | Cleared per investor response: This will not be considered an exception since our guidelines do not have NAL restrictions. - 06/18/2025 Cleared per investor response received via email: This will not be considered an exception since our guidelines do not have NAL restrictions. <br>06/16/2025 Escalated to investor for review.<br>06/12/2025 Missing investor acknowledgment of B1 being owner/president of mortgage company, PFN Lending Group dba Proline Mortgage, that originated subject loan. | Funded C A |
| 900001759 | XXXX | 1115242 | 06/11/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | All borrower's on the first lien are not on the subject loan as required per guidelines. Investor Acknowledged Exception in file pg XX. |  | Verified employment history - 20 years stable employment.; Established credit history - 771 credit score with all accounts always paid timely.; |  | Client: EV2/B Investor Acknowledged Exception | Funded C B |
| 900001790 | XXXX | 1114988 | 06/10/2025 | Compliance | Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) | TRID 0166 | 2 | Acknowledged | Total Payments disclosed on CD signed at closing was $100 less than Total Payments disclosed on PCCD (Page xx, xx). -- |  | Low LTV/CLTV/HCLTV - CLTV of 48.05% < 80% Max Allowed.; Verified credit history - 752 Middle Credit Score > 720 Min Required.; | Corrected ROR received. ROR expiration date is xx/xx/xx. Loan will be updated on xx/xx/xx once the ROR has expired. | 07/07/2025 EV2/B Post-Closing Corrective Action -- Copy of refund check in the amount of $65 received with corrective PC CD, LOE to borrower and ROR. Per lender ROR was corrected prior to sending.<br>07/07/2025 EV2/B Post-Closing Corrective Action -- Copy of refund check in the amount of $65 received with corrective PC CD, LOE to borrower and ROR.<br>06/30/2025 Copy of refund check in the amount of $65 received with corrective PC CD, LOE to borrower and ROR. ROR forms do not reflect a transaction date or an expiration date. Missing corrected ROR forms.<br>06/16/2025 TOP violation is due to $100 Title Endorsement Fee was added on the dry funding CD, not prepaid interest. TILA 130(b) correction with LOE, refund or adjustment to ensure borrower does not pay more than amount disclosed, and proof of delivery required to cure to EV2-B. For rescindable transactions, re-opening of rescission and proof of receipt by borrower also required | Funded C B |
| 900001790 | XXXX | 1115190 | 06/11/2025 | Credit | Missing Payoff/Demand Statement | DMND 0003 | 1 | Closed | The file is missing documentation to support the payoff balance of ($) for (federal) installment loan. | 06/16/2025 | Low LTV/CLTV/HCLTV - CLTV of 48.05% < 80% Max Allowed.; Verified credit history - 752 Middle Credit Score > 720 Min Required.; |  | 06/16/2025 Payoff was taken from (xxxx) 1040 Amount Owed. - 06/16/2025 Payoff was takes from (2024) 1040 Amount Owed. | Funded C A |
| 900001767 | XXXX | 1115285 | 06/12/2025 | Compliance | Missing Designation of Homestead | TXEQ 0021 | 1 | Closed | Missing executed Designation of Homestead Affidavit. | 06/25/2025 | Verified reserves - Required 2 months of reserves with net cash out proceeds of 12 months.; Verified credit history - Required FICO of 700 with actual FICO of 757.; |  | 06/25/2025 Acknowledgement of Fair Market Value of Homestead Property received. - 06/25/2025 Acknowledgement of Fair Market Value of Homestead Property received. | Funded C A |
| 900001767 | XXXX | 1115536 | 06/13/2025 | Compliance | Notice Concerning Extension of Credit Disclosure is Missing | TXEQ 0001 | 1 | Closed | Missing copy of the Notice Concerning Extension of Credit Disclosure executed at least 12 days prior to the Note date xx/xx/xx. | 06/20/2025 | Verified reserves - Required 2 months of reserves with net cash out proceeds of 12 months.; Verified credit history - Required FICO of 700 with actual FICO of 757.; |  | 06/20/2025 Notice Concerning Extension of Credit Disclosure executed by the borrower(s) on xx/xx/xx received. - 06/20/2025 Notice Concerning Extension of Credit Disclosure executed by the borrower(s) on 05/02/25 received. | Funded C A |
| 900001767 | XXXX | 1115608 | 06/13/2025 | Compliance | Missing TX Home Equity Affidavit and Agreement | TXEQ 0019 | 1 | Closed | Missing executed TX Home Equity Affidavit and Agreement. | 06/18/2025 | Verified reserves - Required 2 months of reserves with net cash out proceeds of 12 months.; Verified credit history - Required FICO of 700 with actual FICO of 757.; |  | 06/18/2025 Recd executed TX Home Equity Affidavit and Agreement. - 06/18/2025 Recd executed TX Home Equity Affidavit and Agreement. | Funded C A |
| 900001770 | XXXX | 1115553 | 06/13/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval, only the unsigned 1008 is in the file (pxx). | 06/17/2025 | Verified reserves - Required 2 months of reserves with verified cash out proceeds of 12 months.; |  | 06/17/2025 Lender loan approval received. - 06/17/2025 Lender loan approval received. | Funded C A |
| 900001763 | XXXX | 1115453 | 06/12/2025 | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 1 | Closed | Missing borrower accepted eDisclosure. Evidence of esign in file. | 06/18/2025 | Verified credit history - 808 credit score as a result of a 38-year credit history with no late payments reported.; Low DTI - DTI of 7.5% well below guideline max of 45%.; Verified employment history - 20 years stable employment.; |  | 06/18/2025 Recd esign certificate of completion. - 06/18/2025 Recd esign certificate of completion. | Funded C A |
| 900001763 | XXXX | 1115648 | 06/13/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD is inaccurate (Page xxx), escrow indicator on pg x of x is marked with non-escrowed property costs over year 1 completed. <br>No escrow indicator should be marked with property costs over year 1 completed. |  | Verified credit history - 808 credit score as a result of a 38-year credit history with no late payments reported.; Low DTI - DTI of 7.5% well below guideline max of 45%.; Verified employment history - 20 years stable employment.; |  | 06/23/2025 EV2/B Post-Closing Corrective Action- PC CD and LOE to borrower received.<br>06/18/2025 Recd PCCD. Still missing cover letter address to borrower explaining the reason for re-disclosure. | Funded C B |
| 900001763 | XXXX | 1115889 | 06/16/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing signed business narrative providing the following information: <br>Description of business operation<br>Primary products and or services<br>Who is the customer base<br>Number of full-time employees,<br>Any other information that would help determine eligible deposits |  | Verified credit history - 808 credit score as a result of a 38-year credit history with no late payments reported.; Low DTI - DTI of 7.5% well below guideline max of 45%.; Verified employment history - 20 years stable employment.; |  | 06/25/2025 EV2/B Investor Acknowledged Exception. - Email received Investor has made an exception for the missing business narrative. Please waive/downgrade. | Funded C B |
| 900001765 | XXXX | 1115509 | 06/13/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing loan approval / underwriting decision. | 06/18/2025 | Low LTV/CLTV/HCLTV - CLTV of 57.92% < 85% Max Allowed.; Established credit history - 803 credit score with no late payments reported. Minimum credit score required 680.; |  | 06/18/2025 Recd underwriting conditional approval. - 06/18/2025 Recd underwriting conditional approval. | Funded D A |
| 900001777 | XXXX | 1115811 | 06/16/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Review DTI 48.07% > 45% Max Allowed. Bonus income is declining, review used YTD bonus annualized of ($) as opposed qualifying bonus income of YTD/xxxx averaged of ($). Borrower does not qualify for max DTI of 50% due to residual income ($) requirement not being met. | 06/23/2025 | Verified credit history - 726 credit score with a timely mortgage payment history. Minimum credit score required 680.; Verified employment history - 8 years employment stability.; Verified housing payment history - Credit report reflects 1 open mortgage satisfactorily rated 52 months.; |  | 06/23/2025 Email from employer received confirming semi-annual bonus's. Updated bonus income using YTD + Prior 2 yrs average. Final DTI 44.29%. - 06/23/2025 Email from employer received confirming semi-annual bonus's. Updated bonus income using YTD + Prior 2 yrs average. Final DTI 44.29%. | Funded C A |
| 900001804 | XXXX | 1115927 | 06/16/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Review DTI 45.66% > 45% Max Allowed. Borrower is not eligible for DTI up to 50% due to LTV 84.616% (Max Allowed 80%). Approved DTI 44.982%.<br>Lender used total monthly income of ($) broken down as follows: <br>Base ($), <br>OT ($), <br>Bonus ($), <br>Commission ($), <br>Other ($). <br>An employer email states the Other income is vacation (pg xxx). <br>Using the WVOE (pg xxx), the review total monthly income is ($) broken down as follows: <br>Base + Other (vacation) ($), <br>OT + Commission ($), <br>Bonus ($) (Declining, review used xxxx annualized).<br>--UPDATED INCOME--<br>Base Salary ($) (($) hr x 40 hr wk), which is in line with using the YTD base + other income (vacation). <br>Bonus income ($) based on xxxx Bonus annualized. Income trend is declining.<br>xxxx ($)<br>xxxx ($)<br>xxxx ($)<br>Overtime income ($) based on YTD ($). Income trend is declining.<br>xxxx ($)<br>xxxx ($)<br>xxxx ($)<br>Commission income ($) based on YTD+xxxx. Income trend in increasing.<br>xxxx ($)<br>xxxx ($)<br>xxxx ($)<br>Total Income ($) increases DTI to 45.67%.<br>| 07/14/2025 | Verified reserves - Required 2 months of reserves with cash out reserves of 25 months.; Verified credit history - Required FICO of 700 with actual FICO of 725.; |  | 07/14/2025 Updated income calculation with LOE from employer that xxxx bonus will be inline w/xxxx earnings received. Updated income calc resulted in DTI 44.98%. - 07/14/2025 Updated income calculation with LOE from employer that 2025 bonus will be inline w/2024 earnings received. Updated income calc resulted in DTI 44.98%. | Funded C A |
| 900001783 | XXXX | 1115861 | 06/16/2025 | Credit | Missing Credit Report | CR 0001 | 1 | Closed | Missing original credit report. Only gap report and credit supplement provided in file. | 06/18/2025 | Verified reserves - Required 2 months of reserves with verified liquid assets of 7 months.; |  | 06/18/2025 Recd origination credit report. - 06/18/2025 Recd origination credit report. | Funded D A |
| 900001783 | XXXX | 1115929 | 06/16/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Investor acknowledged exception in file for rural property. |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 7 months.; |  | 06/16/2025 EV2/B - Investor Acknowledged Exception. | Funded C B |
| 900001772 | XXXX | 1115849 | 06/16/2025 | Credit | Missing work visa for non-permanent resident alien. | CRED 0123 | 1 | Closed | Missing documentation to verify the borrower's ability to live and work in the United States. Per the initial final 1003s the borrower is a non-permanent resident. The file only contains a copy of the borrower's driver's license. | 06/23/2025 | Verified reserves - Required 2 months of reserves with verified liquid assets of 6 months.; Verified credit history - Required FICO of 700 with actual FICO of 726.; Low DTI - Maximum DTI of 45% with reviewed DTI of 38.32%.; |  | 06/23/2025 Corrected 1003 with changes initialed by the borrower received w/LOE from processor that the residency was marked incorrectly by mistake. - 06/23/2025 Corrected 1003 with changes initialed by the borrower received w/LOE from processor that the residency was marked incorrectly by mistake. | Funded C A |
| 900001808 | XXXX | 1116045 | 06/17/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD (Page xxx) indicates the loan has an escrow account when it is not escrowed. |  | Verified employment history - Borrowers have 12.5 and 5-years stable employment.; Verified credit history - 735 credit score as a result of a credit history with all account paid timely. Minimum credit score required 680.; |  | 07/02/2025 EV2 / B Post-Closing Corrective Action- Corrected PC CD and LOE to borrower received.<br>07/02/2025 Corrected PC CD received.<br>\*\* Finding remains, missing LOE to borrower(s) explaining the reason for re-disclosure. | Funded C B |
| 900001773 | XXXX | 1116218 | 06/18/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | B1 2nd job the State of Illinois to calculate this income. The GL's for wage earner p.xx, require wage & income transcripts for the years of qualifying income. The loan file is missing the IRS W2 xxxx transcript for B1's 2nd job with the State of Illinois. | 06/23/2025 | Verified credit history - Required FICO of 680 with actual FICO of 741.; |  | 06/23/2025 xxxx Wage & Income transcript received. - 06/23/2025 2023 Wage & Income transcript received. | Funded C A |
| 900001768 | XXXX | 1116217 | 06/18/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing loan approval / underwriting decision. | 06/20/2025 | Verified credit history - Required FICO of 700 with actual FICO of 723.; |  | 06/20/2025 Loan approval received. - 06/20/2025 Loan approval received. | Funded D A |
| 900001787 | XXXX | 1117149 | 06/25/2025 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Investor will require post-disaster inspection report for TN disaster declaration as of xx/xx/xx in the subject county. | 07/01/2025 | Verified credit history - 760 credit score with all mortgages always paid timely.; Low LTV/CLTV/HCLTV - Low 62.84 CLTV ; |  | 07/01/2025 Post-Disaster inspection report confirming no damage received. - 07/02/2025 Post-Disaster inspection report confirming no damage received. | Funded C A |
| 900001776 | XXXX | 1116670 | 06/20/2025 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 1 | Closed | Income used to qualify on the 1008 does not match the final 1003. 1008 reflects ($), 1003 reflects ($) which matches the income calculation worksheet in file pg xxx. This calculation was based on average of YTD and prior 2 years. Using the same method review calculated ($). Lender to confirm income calculation and provided either an updated 1008 or Corrected 1003 w/LOE to the borrower. | 06/24/2025 | Verified reserves - Required 2 months of reserves with verified liquid assets of 36 months.; Verified credit history - Required FICO of 700 with actual FICO of 766.; Disposable Income - GL's state residual income of ($) per month and actual is ($).; |  | 06/24/2025 Correct final 1008 which shows the qualifying income of ($) received. - 06/24/2025 Correct final 1008 which shows the qualifying income of $10,702.60 received. | Funded C A |
| 900001776 | XXXX | 1116671 | 06/20/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Review DTI of 51.73% exceeds the max allowed DTI of 50%. Review calculated income of ($) using average of YTD and prior 2 years. Income on the final 1003 reflects ($) which matches the income calculation worksheet in file pg xxx. Unable to validate income of ($) per the 1008. | 06/24/2025 | Verified reserves - Required 2 months of reserves with verified liquid assets of 36 months.; Verified credit history - Required FICO of 700 with actual FICO of 766.; Disposable Income - GL's state residual income of ($) per month and actual is ($).; |  | 06/24/2025 Updated 1008 with corrected debts and income received. Mtg liability paid by other was excluded in the re-calculation. Revised approved DTI 25.81%. Review DTI 25.83%. - 06/24/2025 Updated 1008 with corrected debts and income received. Mtg liability paid by other was excluded in the re-calculation. Revised approved DTI 25.81%. Review DTI 25.83%. | Funded C A |
| 900001795 | XXXX | 1116839 | 06/23/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing valid COC for increased loan discount on the CD issued xx/xx/xx not designate the reason. Per COC pg xxx, no change in rate or lock expiration date indicated to justify increase. -- <br>Missing valid COC for increased loan discount on the CD issued xx/xx/xx pg xxx. COC pg xxx addressed the increased fee from ($) to ($) but does not designate the reason. Per COC pg xxx, no change in rate or lock expiration date indicated to justify increase. <br>The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xxxx-xx-xx: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)) |  | Low LTV/CLTV/HCLTV - CLTV of 38.96%.; Verified employment history - Borrower 1 has 10 years employment stability.; |  | 07/09/2025 EV2/B Post-Closing Corrective Action -- LOE to borrower, Corrective PC CD, Refund check, and tracking received.<br>07/07/2025 LOE to borrower, PC CD, and copy of refund check received. Fed-Ex Label was created on 07/05/25 however, as of 07/07/25 package has not been sent. Upon verification that the documents have been sent finding can be downgraded to an EV2/B for post-closing corrective action.<br>06/30/2025 Cure would be $144. | Funded C B |
| 900001795 | XXXX | 1116950 | 06/24/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | The file is missing a letter of explanation for Borrower 2's recent three months gap in employment. | 07/02/2025 | Low LTV/CLTV/HCLTV - CLTV of 38.96%.; Verified employment history - Borrower 1 has 10 years employment stability.; |  | 07/02/2025 Agree with lender response. FNMA does not designate a specific period. - 07/02/2025 Agree with lender response. FNMA does not designate a specific period. | Funded C A |
| 900001795 | XXXX | 1116963 | 06/24/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing 2023 wage and income transcripts for B1 and B2. | 06/26/2025 | Low LTV/CLTV/HCLTV - CLTV of 38.96%.; Verified employment history - Borrower 1 has 10 years employment stability.; |  | 06/26/2025 xxxx wage and income transcripts for B1 and B2 received. - 06/26/2025 2023 wage and income transcripts for B1 and B2 received. | Funded C A |
| 900001796 | XXXX | 1116931 | 06/24/2025 | Property | Missing Appraiser License | APPR 0043 | 1 | Closed | Appraisal is missing a copy of the appraiser's license. | 07/07/2025 | Verified employment history - 9.5 years stable employment.; Verified credit history - 754 credit score with a timely mortgage payment history.; |  | 07/07/2025 Copy of appraiser license received. - 07/07/2025 Copy of appraiser license received. | Funded C A |
| 900001796 | XXXX | 1116937 | 06/24/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing the IRS Transcript for xxxx. | 06/26/2025 | Verified employment history - 9.5 years stable employment.; Verified credit history - 754 credit score with a timely mortgage payment history.; |  | 06/26/2025 xxxx Wage & Income Transcript received. - 06/26/2025 2023 Wage & Income Transcript received. | Funded C A |
| 900001814 | XXXX | 1116842 | 06/23/2025 | Compliance | Initial Closing Disclosure Sent Method Not In Person and No Received Date | TRID 0009 | 1 | Closed | Missing the disclosure tracking for the CD issued xx/xx/xx to verify borrower receipt. -- The Initial Closing Disclosure was provided on (xxxx-xx-xx) via (U.S. Mail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xxxx-xx-xx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xxxx-xx-xx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (xxxxxxxx), for consummation to occur on (xxxx-xx-xx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) | 07/14/2025 | Low LTV/CLTV/HCLTV - 58.51% w/a max allowed of 70%; Verified credit history - 710 fico w/a minimum requirement of 700.; |  | 07/14/2025 There were no changes from the CD issued on xx/xx/xx to the CD issued on the 10th. CD on the 10th was sent via eign to meet the closing date of xx-xx-xx. - 07/14/2025 There were no changes from the CD issued on 06/09/25 to the CD issued on the 10th. CD on the 10th was sent via eign to meet the closing date of 06/13/25.<br>07/09/2025 We are asking for the disclosure tracking for the CD dated 06/09/2025. See page 518 for the CD issued 06/09/25.<br>07/09/2025 Recd from lender: Plaza disagrees with this finding. The borrower eSigned on 6/10 and the earliest available closing date is 6/13.<br>\*\* Finding remains please provide a complete copy of the esigned CD or the disclosure tracking to confirm borrower receipt. The copy of the 06/09/25 CD in the loan file on pg 518 is not esigned. | Funded C A |
| 900001814 | XXXX | 1116943 | 06/24/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing the signed written business narrative as required for bank statement loans. |  | Low LTV/CLTV/HCLTV - 58.51% w/a max allowed of 70%; Verified credit history - 710 fico w/a minimum requirement of 700.; | 07/02/25 Email received from investor, ok to waive. | 07/02/2025 EV2/B - Investor Acknowledged Exception<br>06/26/2025 Loan is review to LRCP guidelines, not Plaza guidelines. Investor exception required. | Funded C B |
| 900001793 | XXXX | 1117394 | 06/26/2025 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 1 | Closed | Missing VVOE completed w/in 10 days of the Note date xx/xx/xx. | 07/02/2025 | Low LTV/CLTV/HCLTV - 71.53% CLTV w/a max allowed 85%.; Verified credit history - 737 fico w/a minimum requirement of 680.; Verified housing payment history - 60+ mths of mortgage history verified 0x30.; |  | VVOE completed xx/xx/xx received. - 07/02/2025 VVOE completed 06/10/25 received. | Funded C A |
| 900001823 | XXXX | 1117244 | 06/25/2025 | Compliance | APR Violation | TIL 0006 | 1 | Closed | APR Variance of .137% exceeds the max allowed of .125%.<br>CD x/xx/xxxx APR 10.046% pxxx<br>CD x/xx/xxxx APR 10.061% pxxx<br>CD x/xx/xxxx APR 10.178% pxxx<br>CD x/xx/xxxx APR 10.183% pxx (final) <br>Material Compliance Finding: Prior CD3 sent on (xxxx-xx-xx) was received at least 3 business days before closing. The Last CD (10.183%) is inaccurate when compared to the Prior CD3 (10.046%) APR. The Last CD sent on (xxxx-xx-xx), Prior CD1 sent on (xxxx-xx-xx), and Prior CD2 sent on (xxxx-xx-xx) were not received at least 3 business days before closing. If the APR is inaccurate, a consumer must receive a corrected CD no later than (xxxxxxxx), which is 3 business days before the (xx-xx-xx) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it 3 business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least 3 business days before closing and the actual APR. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) | 07/17/2025 | Verified credit history - 749 fico with a minimum requirement of 700.; |  | 07/17/2025 Exception escalated to compliance. Review updated the receipt date for the xx/xx/xx CD to xx/xx/xx based on the date that B1 viewed the CD (Tracking pg xxx). Previously date used was the date that the disclosure was esigned of xx/xx/xx. Finding cleared upon re-submission. - 07/17/2025 Exception escalated to compliance. Review updated the receipt date for the 06/10/25 CD to 06/10/25 based on the date that B1 viewed the CD (Tracking pg 672). Previously date used was the date that the disclosure was esigned of 06/11/25. Finding cleared upon re-submission. <br>07/14/2025 Received from lender: The Rule under TRID is that the APR disclosed on each subsequent CD is compared to the APR disclosed on the most recently issued prior CD. A new 3-day waiting period is only required for any CD reflecting a change in APR that is not within the tolerance for accuracy from the APR on the most recently issued CD.<br>\*\* Agree with lender's response however, the APR increased more than .125% on the CD issued on 06/12/25 from the prior CD issued on 06/10/25. Thus due to the increase of .126% a new 3 day period is required.<br>CD 6/10/2025 APR 10.061% p720<br>CD 6/12/2025 APR 10.178% p727 \*\* CD that triggered 3 day <br>CD 6/13/2025 APR 10.183% p53 (final) | Funded C A |
| 900001823 | XXXX | 1117674 | 06/27/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing xxxx 1040 transcript. | 07/02/2025 | Verified credit history - 749 fico with a minimum requirement of 700.; |  | xxxx 1040 transcript received. - 07/17/2025 2024 1040 transcript received. | Funded C A |
| 900001801 | XXXX | 1117265 | 06/25/2025 | Credit | HOA Payment is not verified | CRED 0133 | 1 | Closed | Missing 3rd party verification of the subject HOA dues. Reviewer used estimate of ($) per the 1008 and purchase CD page xxx. | 07/02/2025 | Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 45 months.; Verified credit history - Required FICO of 680 with actual FICO of 803.; |  | 07/02/2025 Appraisal from purchase transaction provided. Monthly HOA amount verified. - 07/02/2025 Appraisal from purchase transaction provided. Monthly HOA amount verified. | Funded C A |
| 900001801 | XXXX | 1117513 | 06/26/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | The loan file is missing the loan approval. | 07/02/2025 | Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 45 months.; Verified credit history - Required FICO of 680 with actual FICO of 803.; |  | 07/02/2025 Lender loan approval received. - 07/02/2025 Lender loan approval received. | Funded D A |
| 900001806 | XXXX | 1117375 | 06/26/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | The Estimated Taxes, Insurance, and Assessments on the final CD dated xx/xx/xx reflects hazard insurance is to be escrowed. 2nd lien program does not offer escrows. |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 28 months.; Verified credit history - Required FICO of 700 with actual FICO of 719.; Low DTI - Maximum DTI of 45% with reviewed DTI of 31.16%. ; |  | 07/11/2025 EV2/B Post-Closing Corrective Action- Corrected CD with LOE to borrower received.<br>07/09/2025 PC CD received, missing LOE explaining reason for re-disclosure. | Funded C B |
| 900001806 | XXXX | 1117722 | 06/27/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing business narrative as required for bank statement loans. |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 28 months.; Verified credit history - Required FICO of 700 with actual FICO of 719.; Low DTI - Maximum DTI of 45% with reviewed DTI of 31.16%. ; |  | 07/10/2025 Investor Acknowledged Exception - Email received that exception was granted for missing documentation.<br>07/02/2025 CPA letter provided does not disclose all the required information as outlined in the guideline for the narrative: Provide a signed written business narrative. Must include: Description of business operation,<br>Primary products and or services, Who is the customer base, Number of full-time employees, and Any other information that would help determine eligible deposits if applicable. | Funded C B |
| 900001816 | XXXX | 1117475 | 06/26/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | The loan file is missing the signed written business narrative required by the GL's p.6. |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 35 months.; Verified credit history - Required FICO of 680 with actual FICO of 766.; | 07/02/25 Email received from investor ok to waive. | 07/02/2025 EV2/B Investor Acknowledged Exception.<br>06/30/2025 Business narrative is required per the LRCP guidelines. Investor acknowledged exception required. | Funded C B |
| 900001811 | XXXX | 1117484 | 06/26/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. | 07/02/2025 | Low LTV/CLTV/HCLTV - CLTV of 64.62%.; Verified credit history - Clean credit with no reported late payments.; |  | 07/02/2025 Lender loan approval received. - 07/02/2025 Lender loan approval received. | Funded D A |
| 900001813 | XXXX | 1117559 | 06/26/2025 | Credit | Missing evidence of HOA Dues | CRED 0113 | 1 | Closed | Missing verification of HOA fees for the subject. | 07/14/2025 | Verified employment history - The borrower has 13 years stable employment.; Verified credit history - 793 credit history with all accounts paid timely.; |  | 07/14/2025 LOE from borrower received confirming no HOA. - 07/14/2025 LOE from borrower received confirming no HOA.<br>07/11/2025 Title response states that there is no HOA and that the prior deed did not include a PUD Rider. Deed referenced was for the HELOC. 1st lien DOT dated 12/18/20 recorded 01/04/21 does include a PUD rider. HOA fees would need to be verified with the borrower. If no HOA fees a loe from the borrower is acceptable. | Funded C A |
| 900001813 | XXXX | 1117560 | 06/26/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing verification of insurance premium. Hazard insurance declarations does not disclose the annual premium (pgs xxx-xxx). | 07/01/2025 | Verified employment history - The borrower has 13 years stable employment.; Verified credit history - 793 credit history with all accounts paid timely.; |  | 07/01/2025 Declarations page received which includes the policy premium. - 07/01/2025 Declarations page received which includes the policy premium. | Funded C A |
| 900001794 | XXXX | 1117872 | 06/30/2025 | Compliance | Note is Incomplete | NOTE 0050 | 2 | Acknowledged | B2 is not on first lien note. Exception page x-x; approved xx/xx/xxxx. |  | Low LTV/CLTV/HCLTV - Low CLTV of 69.76%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 9 years.; |  | Client: EV2/B Investor acknowledged exception. | Funded C B |
| 900001803 | XXXX | 1117976 | 06/30/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | Missing COC for increase in Recording fee on CD issued xx/xx/xxxx on page xxx. Fee increased from ($) to ($). (Amount to Cure ($)) -- The total amount of Closing Disclosure 10% Category fees ($) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xxxx-xx-xx, ($). The total amount of fees in this category cannot exceed ($) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). | 07/09/2025 | Verified employment history - Borrower has been employed as an engineer with same employer for 16.5 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 13 years.; Low DTI - Low DTI of 27.36%.; |  | 07/09/2025 LOE to borrower with final CD received. - 07/09/2025 LOE to borrower with final CD received.<br>07/09/2025 Correct, LOE to borrower with final CD required.<br>07/09/2025 PC CD, LOE to Borrower, and Refund check received.<br>\*\* Finding remains, Hold on cure package as based on the final settlement statement a cure would not be required. Lender to update final CD for dry funding state to balance to the settlement statement. (Actual recording fee was $146 not $475. Fee decreased not increased which was causing the exception) | Funded C A |
| 900001803 | XXXX | 1117982 | 06/30/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | Mortgage recording fee disclosed does not balance to amount charged to the borrower. CD reflects Mortgage ($), with borrower paid fee of ($). Final settlement statement requested to verify actual amount. | 07/09/2025 | Verified employment history - Borrower has been employed as an engineer with same employer for 16.5 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 13 years.; Low DTI - Low DTI of 27.36%.; |  | 07/09/2025 Final Settlement Statement received with the Final CD for dry funding state. - 07/09/2025 Final Settlement Statement received with the Final CD for dry funding state.<br>07/07/2025 Final settlement statement received. Per settlement statement actual recording fee was $146. CD reflects Mortgage $250, with borrower paid fee of $475.<br>\*\* Missing corrected CD with LOE to borrower. | Funded C A |
| 900001803 | XXXX | 1118229 | 07/01/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing a certified copy of the final settlement statement. Only the estimate was provided in file for review. Settlement statement required to verify actual recording fees. | 07/07/2025 | Verified employment history - Borrower has been employed as an engineer with same employer for 16.5 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 13 years.; Low DTI - Low DTI of 27.36%.; |  | 07/07/2025 Final settlement statement received. Recording fees verified. - 07/07/2025 Final settlement statement received. Recording fees verified. | Funded D A |
| 900001803 | XXXX | 1119573 | 07/09/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 07/09/2025 | Verified employment history - Borrower has been employed as an engineer with same employer for 16.5 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 13 years.; Low DTI - Low DTI of 27.36%.; |  |  | Funded C A |
| 900001803 | XXXX | 1119575 | 07/09/2025 | Compliance | Closing Disclosure Cash to Close on the Calculating Cash to Close table has changed from the LE with no evidence of the "Did This Change Indicator" flag (12 CFR 1026.38(i)(1)(iii)) | TRID 0125 | 1 | Closed |  | 07/09/2025 | Verified employment history - Borrower has been employed as an engineer with same employer for 16.5 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 13 years.; Low DTI - Low DTI of 27.36%.; |  |  | Funded C A |
| 900001809 | XXXX | 1118097 | 07/01/2025 | Compliance | Initial CD Received Date is < 3 business days prior to Consummation Date | TRID 0008 | 1 | Closed | Missing interim CD's and any applicable COCs for the following: CD issued/received xx/xx/xx (DTD page xxx), CD xx/xx/xx (DTD page xxx), xx/xx/xx (DTD page xxx), xx/xx/xx (DTD page xxx). Earliest CD provided (page xx) dated xx/xx/xx. -- <br>Missing interim CD's and any applicable COCs for the following: CD issued/received xx/xx/xx (DTD page xxx), CD xx/xx/xx (DTD page xxx), xx/xx/xx (DTD page xxx), xx/xx/xx (DTD page xxx). Earliest CD provided (page xx) dated x/x/xx.<br>The Initial Closing Disclosure Received Date of (xxxx-xx-xx) is not three business days before the consummation date of (xxxx-xx-xx). Three business days before the consummation date is (xxxxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) | 07/07/2025 | Verified reserves - 19 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 23 years.; |  | 07/07/2025 Initial and interim CD's with COCs received. - 07/07/2025 Initial and interim CD's with COCs received. | Funded C A |
| 900001841 | XXXX | 1118038 | 07/01/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | Final CD dated xx/xx/xxxx page xxx is missing page x of x. Unable to verify Payoffs and Payments or the Calculating Cash to Close Table. (Collection account xxxx CD was to be paid off out of loan proceeds IAO ($).) | 07/02/2025 | Verified employment history - B1 has been employed with same company for 21 years.; Low LTV/CLTV/HCLTV - 63.67% LTV/CLTV w/a max allowed of 75%.; Low DTI - Review DTI 39.65% w/a max allowed of 45%; |  | 07/02/2025 Complete copy of CD received. - 07/02/2025 Complete copy of CD received. | Funded C A |
| 900001841 | XXXX | 1118112 | 07/01/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing tax transcripts for B1 for years xxxx and xxxx as required per guidelines. | 07/30/2025 | Verified employment history - B1 has been employed with same company for 21 years.; Low LTV/CLTV/HCLTV - 63.67% LTV/CLTV w/a max allowed of 75%.; Low DTI - Review DTI 39.65% w/a max allowed of 45%; |  | 07/30/2025 xxxx and xxxx Wage & Income transcripts for both borrowers received. - 07/30/2025 2023 and 2024 Wage & Income transcripts for both borrowers received. | Funded C A |
| 900001812 | XXXX | 1118155 | 07/01/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed | Missing valid COC for added Title Binder/Commitment fee of $xx on the final CD issued x/xx/xx. COC's provided on pages xx-xx do not address added fee. (Cost to Cure $xx) | 07/14/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 51.15%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 4 years.; |  | 07/14/2025 TPR Error, Fee coded to incorrect payee. Finding cleared upon resubmission. | Funded C A |
| 900001848 | XXXX | 1118566 | 07/03/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing ABD for Lending Force. If lender has no affiliates an attestation on company letterhead is acceptable. | 07/14/2025 | Verified reserves - 28 monhts of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  | 07/14/2025 Cleared per lender response: A review of their website shows they do not have any affiliated relationships. In addition, at the time that Plaza approves any Broker or Correspondent, Plaza does a full vetting of each company, including a review of their financials. Based on our vetting done on Loan Force, they do not have any affiliated<br>relationships. - 07/14/2025 Cleared per lender response: A review of their website shows they do not have any affiliated relationships. In addition, at the time that Plaza approves any Broker or Correspondent, Plaza does a full vetting of each company, including a review of their financials. Based on our vetting done on Loan Force, they do not have any affiliated<br>relationships.<br>07/09/2025 Recd from lender: Plaza disagrees with this finding. It should be noted that an Affiliated Business Disclosure is only required to be provided to the borrower when an Affiliated relationship exists between the Lender and any third party involved in the transaction. In this case, there isn't one.<br>\*\* Attestation from lender required to verify no affiliates as without an ABD or Facts it is unknown if the lender has any affiliates to determine if there is a relationship between the lender and third parties. | Funded C A |
| 900001848 | XXXX | 1118860 | 07/07/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing xxxx/xxxx transcripts as required per guidelines. | 07/30/2025 | Verified reserves - 28 monhts of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  | 07/30/2025 xxxx/xxxx Wage & Income transcripts received. - 07/30/2025 2023/2024 Wage & Income transcripts received. | Funded C A |
| 900001848 | XXXX | 1118862 | 07/07/2025 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing Exterior PCI, Property Condition Inspection in file, page xxx, is not for subject property. | 07/09/2025 | Verified reserves - 28 monhts of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  | 07/09/2025 Subject Exterior PCI received. - 07/09/2025 Subject Exterior PCI received. | Funded C A |
| 900001818 | XXXX | 1118850 | 07/07/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated XX/XX/XXXX (Page XXX) does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified employment history - B1 has been employed with same employer for 12 years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 10 years.; |  | 07/23/2025 EV2/B Post-Closing Corrective Action - Corrective PC CD and LOE to borrower received.<br>07/21/2025 Corrected PC CD received, missing LOE to borrower explaining reason for re-disclosure.<br>07/21/2025 PC CD received, missing LOE to borrower explaining reason for re-disclosure.<br>07/14/2025 Lender provided 2 CD's dated 06/17/25. Both CD's have the same date and time stamp of 06/17/2025 12:09 PM PST and the same DocuSign tracking ID at the top. The 1st CD does reflect that the lender does not offer an escrow account which was esigned by the borrower on 06/18/25. The 2nd CD does not reflect if the borrower declined an escrow account or if one was not offered. This CD matches that final copy provided in the loan file. Unable to determine which CD was the final. | Funded C B |
| 900001818 | XXXX | 1118996 | 07/07/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing XXXX/XXXX wage and income transcripts for B1/B2. | 07/24/2025 | Verified employment history - B1 has been employed with same employer for 12 years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 10 years.; |  | 07/24/2025 XXXX/XXXX wage and income transcripts for B1/B2 received. - 07/24/2025 2023/2024 wage and income transcripts for B1/B2 received. | Funded C A |
| 900001800 | XXXX | 1118895 | 07/07/2025 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Initial loan application is not signed by borrower or lender, pages xxx/xxxx. Esign Process Summary pgs xxxx-xxxx confirms borrower esigned. | 07/14/2025 | Verified employment history - Borrower has been self employed realtor for 4.25 years.; Verified occupancy in subject property - Borrower has owned/occupied subject property for 5 years.; Low DTI - Low DTI of 7.42%.; |  | 07/14/2025 Executed initial 1003 received. - 07/14/2025 Executed initial 1003 received. | Funded C A |
| 900001800 | XXXX | 1119048 | 07/07/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing signed business narrative as required for bank statement loan. |  | Verified employment history - Borrower has been self employed realtor for 4.25 years.; Verified occupancy in subject property - Borrower has owned/occupied subject property for 5 years.; Low DTI - Low DTI of 7.42%.; |  | 07/09/2025 EV2/B Investor Acknowledged Exception. -- Email from investor received acknowledging an exception has been granted.<br>07/09/2025 Narrative is required per LRCP guidelines. | Funded C B |
| 900001802 | XXXX | 1118891 | 07/07/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | Recording fees on the final settlement statement do not balance to the CD executed at closing. Settlement statement pg xxx reflects recording fees of ($), CD dated xx/xx/xx reflects ($). Missing final CD for dry funding state that balances to the settlement statement.-- The total amount of Closing Disclosure 10% Category fees ($) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xxxx-xx-xx, ($). The total amount of fees in this category cannot exceed ($) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)) | 07/09/2025 | Verified employment history - Borrowers have been employed with same employer for 15 and 7 years respectively.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 14 years.; |  | 07/09/2025 Final CD reconciled to the final settlement statement received. Finding cleared upon re-submission with actual fees. | Funded C A |
| 900001838 | XXXX | 1118907 | 07/07/2025 | Compliance | Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 2 | Acknowledged | Final CD dated xx/xx/xx reflects that some property taxes will be escrowed. Program does not offer escrows. Missing PC CD with LOE to borrower explaining reason for change. (Noted that no escrows were established per the final CD. Only open and due property taxes were collected/paid.) |  | Verified credit history - Required FICO of 700 with actual FICO of 732. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 32 months. ; Low DTI - Maximum DTI of 45% with review DTI of 38.89%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/24/2025 EV2 / B Post-Closing Corrective Action- Corrective PC CD and LOE to the borrower received. | Funded C B |
| 900001838 | XXXX | 1119587 | 07/09/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. Only the 1008 was provided (pg xxx) | 07/17/2025 | Verified credit history - Required FICO of 700 with actual FICO of 732. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 32 months. ; Low DTI - Maximum DTI of 45% with review DTI of 38.89%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/17/2025 Commitment is lender's approval, finding cleared. - 07/18/2025 Commitment is lender's approval, finding cleared.<br>07/15/2025 Commitment letter to borrower received.<br>\*\* Finding remains, Missing lender internal loan approval. | Funded D A |
| 900001842 | XXXX | 1118908 | 07/07/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval. Used 1008 (Page xx) for DTI information. | 07/14/2025 | Verified credit history - Required FICO of 700 with actual FICO of 797. ; Verified reserves - No reserves are required per GL's; however, the cash-out on the CD p.424 shows the borrower has reserves 45 months of reserves.; Low DTI - Maximum DTI of 45% with review DTI of 39.42%.; Disposable Income - The loan has residual income of ($) monthly.; |  | Lender loan approval received. - 07/14/2025 Lender loan approval received. | Funded D A |
| 900001842 | XXXX | 1118937 | 07/07/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated xx/xx/xx pg xxx disclosed Estimates Taxes, Insurance, and Assessments of ($), with Estimated Property Costs over Year 1 of ($). Review calculated Estimates Taxes, Insurance, and Assessments of ($) with Estimated Property Costs over Year 1 of ($). Variance appears to be due to lender excluding the property taxes of ($). \*\* It is also noted that the disclosure does not indicate if the borrower declined an escrow account or if the lender did not offer one. |  | Verified credit history - Required FICO of 700 with actual FICO of 797. ; Verified reserves - No reserves are required per GL's; however, the cash-out on the CD p.424 shows the borrower has reserves 45 months of reserves.; Low DTI - Maximum DTI of 45% with review DTI of 39.42%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/21/2025 EV2/ B Post-Closing Corrective Action - LOE to borrower and PC CC received.<br>07/15/2025 Corrected PC CD received.<br>\*\* Finding remains, missing LOE to borrower explaining reason for re-disclosure. | Funded C B |
| 900001842 | XXXX | 1119240 | 07/08/2025 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | (redacted) is not listed on the approved AVM vendors per the GLs p.x. (AVM is an (redacted) AVM with a confidence score of 91 and FSD of .09.) | 07/10/2025 | Verified credit history - Required FICO of 700 with actual FICO of 797. ; Verified reserves - No reserves are required per GL's; however, the cash-out on the CD p.424 shows the borrower has reserves 45 months of reserves.; Low DTI - Maximum DTI of 45% with review DTI of 39.42%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/10/2025 (redacted), a division of (redacted), now includes (redacted) under the name (redacted). - 07/10/2025 ICE Mortgage Technology, a division of Intercontinental Exchange (ICE), now includes Collateral Analytics under the name ICE CA. | Funded C A |
| 900001819 | XXXX | 1118944 | 07/07/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR on the final Closing Disclosure dated XX/XX/XX decreased more than 0.125% compared to the disclosed APR on CD dated XX/XX/XX. Variance .187%.<br>APR CD XX/XX/XX 8.653%<br>APR CD XX/XX/XX 8.84%<br>|  | Verified credit history - Required FICO of 700 with actual FICO of 804. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 34 months. ; Disposable Income - The loan has residual income of ($) monthly.; |  | Client: EV2/B Non-Material Benefit to borrower, APR Decreased. | Funded C B |
| 900001861 | XXXX | 1119116 | 07/08/2025 | Credit | Insufficient Verified Reserves (Number of Months) | CRED 0017 | 1 | Closed | Total reserves required per g/l 2 mths / ($), Total reserves verified with cash out proceeds 1.53 / ($). No additional assets were documented in the file. Borrower is short .47/ ($). | 08/05/2025 | Verified credit history - Required FICO of 700 with actual FICO of 765. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/05/2025 Current Q1 xxxx 401K statement received. - 08/05/2025 Current Q1 2025 401K statement received.<br>07/21/2025 Borrower 401K statement for Q4 2024 received.<br>\*\* Finding remains statement was stale dated based on the application date of 05/09/25. Missing Q1 2025 statement. | Funded C A |
| 900001807 | XXXX | 1119542 | 07/09/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | The final 1003 p.xxx show a debt with(redacted) #xxxx with a balance of ($) and payment of ($). The credit report p.xx shows the debt with ($) #xxxx with a balance of ($) and payment of ($). The file is missing documentation to verify the 1003 balance and payment for ($) #xxxx. | 07/15/2025 | Verified credit history - Required FICO of 700 with actual FICO of 797. ; Low DTI - Maximum DTI of 45% with review DTI of 34.92%.; |  | 07/15/2025 Soft pull credit report which verifies current payment and balance used by the lender. - 07/15/2025 Soft pull credit report which verifies current payment and balance used by the lender. | Funded C A |
| 900001832 | XXXX | 1118988 | 07/07/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final Cd dated xx/xx/xxxx (Page xxx) does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified credit history - Required FICO of 700 with actual FICO of 796. ; Low DTI - Maximum DTI of 45% with review DTI of 17.27%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/25/2025 EV2/B Post-Closing Corrective Action - LOE to borrower with corrective PC CD received.<br>07/23/2025 Duplicate copy of the Corrected PC CD dated 07/11/25 indicating that that an escrow account was not offered received.<br>\*\* Finding remains, missing LOE to borrower explaining reason for re-disclosure.<br>07/21/2025 Corrected PC CD indicating that that an escrow account was not offered received.<br>\*\* Finding remains, missing LOE to borrower explaining reason for re-disclosure. | Funded C B |
| 900001821 | XXXX | 1119358 | 07/08/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated xx/xx/xx pg xxx does not disclose Estimated Taxes or Insurance on page x. These costs are required to be disclosed regardless of whether impounds were selected. Additionally, the disclosure does not indicate if the borrower declined an escrow account or if the lender did not offer one. |  | Verified credit history - Required FICO of 680 with actual FICO of 695.; Low DTI - Maximum DTI of 45% with review DTI of 43.24%.; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 64.54%.; |  | 07/21/2025 EV2/ B Post-Closing Corrective Action -- Corrected PC CD with LOE to borrower received.<br>07/17/2025 Corrected PC CD received.<br>\*\* Finding remains, missing LOE to borrower explaining reason for re-disclosure. | Funded C B |
| 900001827 | XXXX | 1119446 | 07/08/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated xx/xx/xx pg xx disclosed Estimated Taxes, Insurance, and Assessments of ($) with Estimated Property costs of ($). Review Calculated Estimated Taxes, Insurance, and Assessments of ($) and Estimated Property costs over 1 yr of ($). |  | Verified credit history - Required FICO of 680 with actual FICO of 788.; Verified reserves - No reserves are required per GL's; however, the cash-out on the CD p.43 shows the borrower has reserves 24months of reserves.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 37.77%.; Low DTI - Maximum DTI of 45% with review DTI of 27.61%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/28/2025 EV2 Post-Closing Corrective Action -- PC CD, LOE to borrower and updated 1008 received. <br>07/23/2025 Updated 1008/1003 received.<br>\*\* Finding remains, Missing corrective PC CD with LOE to the borrower explaining the reason for re-disclosure. | Funded C B |
| 900001853 | XXXX | 1119823 | 07/09/2025 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | No Electronic Consent documentation in file. Also, no disclosure tracking with E-consent confirmation located. | 07/21/2025 | Verified credit history - Required FICO of 680 with actual FICO of 734.; Low DTI - Maximum DTI of 45% with review DTI of 37.33%.; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 65.58%.; |  | 07/21/2025 Esign disclosure received. - 07/21/2025 Esign disclosure received. | Funded C A |
| 900001853 | XXXX | 1119832 | 07/09/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR on the final Closing Disclosure dated xx/xx/xx decreased more than 0.125% compared to the disclosed APR on CD dated xx/xx/xx. Variance .684%.<br>APR CD xx/xx/xx 8.863%<br>APR CD xx/xx/xx 9.547%<br>Change benefitted borrower - EV2 |  | Verified credit history - Required FICO of 680 with actual FICO of 734.; Low DTI - Maximum DTI of 45% with review DTI of 37.33%.; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 65.58%.; |  | 07/21/2025 EV2/B Non-Material - APR Decreased Benefit to borrower.<br>07/21/2025 The variance exceeds the allowable tolerance. Becayse the APR decreased there was a benefit to the borrower thus the finding was graded an EV/B/. No action required. | Funded C B |
| 900001853 | XXXX | 1120330 | 07/11/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing documentation to verify the borrower has been self-employed in the same business for the last 2 years and has a minimum of 25% ownership with either a Letter from the CPA / tax preparer (PTIN), regulatory agency, or equivalent. Only a borrower executed narrative was provided. (pg xxx). | 07/30/2025 | Verified credit history - Required FICO of 680 with actual FICO of 734.; Low DTI - Maximum DTI of 45% with review DTI of 37.33%.; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 65.58%.; |  | 07/30/2025 Documentation to verify borrower has 100% ownership received. - 07/30/2025 Documentation to verify borrower has 100% ownership received.<br>07/21/2025 Request as been sent to investor to see if alternative documentation to verify ownership % will be accepted on an exception basis. | Funded C A |
| 900001834 | XXXX | 1120396 | 07/11/2025 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing PUD Rider. Subject is located in a PUD with documentation to verify HOA dues (pg xxx). | 07/21/2025 | Verified credit history - Required FICO of 680 with actual FICO of 716.; Verified reserves - No reserves are required per GL's; however, the cash-out on the CD p.449 shows the borrower has reserves 19 months of reserves.; Low DTI - Maximum DTI of 45% with review DTI of 36.65%.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 48.61%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/21/2025 Corrected Mortgage w/PUD rider received along with letter on intent to re-record. - 07/21/2025 Corrected Mortgage w/PUD rider received along with letter on intent to re-record. | Funded C A |
| 900001868 | XXXX | 1120884 | 07/14/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed |  | 07/28/2025 |  |  | 07/28/2025 2024 Extension for 1120-S business received.<br>07/21/2025 Recd from lender: The guidelines reference we follow Fannie, Fannie does not require business extensions or Profit and losses.<br>\*\* Finding remains. App date was 068/25/25 which was after the initial filling deadline for 2024 taxes. Per FNMA Verification of Income - The lender may verify a self-employed borrower's employment and income by obtaining from the borrower copies of their signed federal income tax returns (both individual returns and in some cases, business returns) that were filed with the IRS for the past two years (with all applicable schedules attached). Without the extension review is unable to verify that the most current returns were provided.<br>Additionally per FNMA - The lender may use a profit and loss statement—audited or unaudited—for a self-employed borrower's business to support its determination of the stability or continuance of the borrower's income. A typical profit and loss statement has a format similar to IRS Form 1040, Schedule C.<br>A year-to-date profit and loss statement is not required for most businesses, but if the borrower's loan application is dated more than 120 days after the end of the business's tax year, the lender may choose to require this document if it believes that it is needed to support its determination of the stability or continuance of the borrower's income.<br>2024 P&L would be needed to verify income for most current year of 2024 has not declined. | Funded C A |
| 900001868 | XXXX | 1120885 | 07/14/2025 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed |  | 07/15/2025 |  |  | 07/15/2025 2022-2023 1040s received. | Funded C A |
| 900001868 | XXXX | 1120886 | 07/14/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed |  | 07/21/2025 |  |  | 07/21/2025 Final Executed CD verifying loan terms received. | Funded C A |
| 900001868 | XXXX | 1121022 | 07/14/2025 | Credit | Missing P&L | CR 0014 | 1 | Closed |  | 07/30/2025 |  |  | 07/30/2025 2024 business extension received. Since FNMA doe not specifically require a P&L the lender did not obtain one. No indication that income would decline.<br>07/21/2025 Recd from lender: The guidelines reference we follow Fannie, Fannie does not require business extensions or Profit and losses.<br>\*\* Finding remains. App date was 068/25/25 which was after the initial filling deadline for 2024 taxes. Per FNMA A year-to-date profit and loss statement is not required for most businesses, but if the borrower's loan application is dated more than 120 days after the end of the business's tax year, the lender may choose to require this document if it believes that it is needed to support its determination of the stability or continuance of the borrower's income. 2024 P&L would be needed to verify income for most current year of 2024 has not declined. | Funded C A |
| 900001868 | XXXX | 1121043 | 07/14/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed |  | 07/31/2025 |  |  | 07/31/2025 CD from the refinance of 1186 Kitsap Lake Rd Received confirming the pay off of the following accounts: Amex Balance $22,222, BOA Balance $21,764, Discover Balance $14,927, and JPMC Balance 13,681. Review revised DTI 44.19%<br>07/30/2025 Please provide the final CD for 4256153076 to support updated amounts/liabilities.<br>07/21/2025 Recd from lender: this was a simultaneous close , per Uw that should clear this. <br>\*\* Finding does not address the DTI discrepancy. Review is unable to pin point the variance as the debts on the final 1003 do not match the 1008. | Funded C A |
| 900001852 | XXXX | 1120945 | 07/14/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing xxxx W2 or Wage & Income transcript for current employer XXXX. VVOE verifies start date of xx/xx/xx. | 07/15/2025 | Verified credit history - Required FICO of 680 with actual FICO of 722.; Verified reserves - Required 2 months of reserves with verified liquid assets of 4 months. ; Low DTI - Maximum DTI of 45% with review DTI of 42.29%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/15/2025 Cleared per lender response. No reported income in xxxx. - 07/15/2025 Cleared per lender response. No reported income in 2024. | Funded C A |
| 900001854 | XXXX | 1120492 | 07/11/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | CD xx/xx/xxxx APR 9.619%<br>CD xx/xx/xxxx APR 9.474%<br>Reduction 0.145%<br>|  | Verified credit history - Required FICO of 700 with actual FICO of 775. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 64 months. ; Low DTI - Maximum DTI of 45% with review DTI of 6.59%.; Disposable Income - The loan has residual income of ($) monthly.; |  | Client: EV2/B Non-Material APR decreased, benefit to borrower. | Funded C B |
| 900001854 | XXXX | 1121046 | 07/14/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Borrower(s) on the first mortgage note are not the same as the borrower(s) on the second mortgage note. There is a lender acknowledged exception as noted by email chain in the file pgs xxxx-xxxx. Missing investor acknowledgment of exception. |  | Verified credit history - Required FICO of 700 with actual FICO of 775. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 64 months. ; Low DTI - Maximum DTI of 45% with review DTI of 6.59%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/17/2025 EV2/B Investor Acknowledged Exception - Investor approved exception form received. | Funded C B |
| 900001828 | XXXX | 1121177 | 07/15/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender internal loan approval. 1008 pg x was not executed by the UW. | 07/17/2025 | Verified credit history - Required FICO of 700 with actual FICO of 738. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 31 months. ; Low DTI - Maximum DTI of 45% with review DTI of 34.53%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/17/2025 Lender loan approval received. - 07/18/2025 Lender loan approval received. | Funded D A |
| 900001856 | XXXX | 1121348 | 07/15/2025 | Property | Final Reconciled Value is greater than original value used to calculate LTV/CLTV. | APPR 0052 | 1 | Closed | The 1008 and approval both show value used is ($). This amount appears to be the stated value per the initial application. AVM returned value of ($). Zillow estimate in file reflects value of ($). No indication as to why the stated value was used for LTV/CLTV. | 07/21/2025 | Verified credit history - Required FICO of 680 with actual FICO of 724.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 21 months.; Low DTI - Maximum DTI of 45% with review DTI of 29.22%.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 59.08%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/21/2025 Updated 1008 received reflecting value of ($) w/LTV/CLTV of 10.77/54.26%. - 07/21/2025 Updated 1008 received reflecting value of $464,269 w/LTV/CLTV of 10.77/54.26%. | Funded C A |
| 900001831 | XXXX | 1121691 | 07/16/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing xxxx Wage & Income transcript | 07/21/2025 | Verified credit history - Required FICO of 700 with actual FICO of 778. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 26 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.99%. ; Low DTI - Maximum DTI of 45% with review DTI of 22.16%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/21/2025 xxxx Wage & Income transcript received. - 07/21/2025 2023 Wage & Income transcript received. | Funded C A |
| 900001867 | XXXX | 1122079 | 07/17/2025 | Property | Missing Property Condition | APPR 0020 | 1 | Closed | Missing the PCI to verify property condition. | 08/04/2025 | Verified credit history - Required FICO of 680 with actual FICO of 764.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 27 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 65.34%. ; Low DTI - Maximum DTI of 45% with review DTI of 39.46%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/04/2025 Property Condition Report provided with average condition note. Finding cleared. - 08/04/2025 Property Condition Report provided with average condition note. Finding cleared.<br>07/28/2025 An Exterior Property Condition Inspection report is required with an AVM. PCI must indicate average condition or better. Disaster certification is not required. | Funded C A |
| 900001867 | XXXX | 1122130 | 07/17/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | GL's p.x require wage and income transcripts for the year(s) of qualifying income. The file contains the W2's for (years) for both borrowers and the IRS W2 transcript for (year) for both borrowers. The file is missing the IRS W2 transcripts for (year) for both borrowers. | 08/15/2025 | Verified credit history - Required FICO of 680 with actual FICO of 764.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 27 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 65.34%. ; Low DTI - Maximum DTI of 45% with review DTI of 39.46%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/15/2025 Finding is cleared with the attached (year) wage transcripts. - 08/15/2025 Finding is cleared with the attached 2023 wage transcripts. | Funded C A |
| 900001826 | XXXX | 1121852 | 07/16/2025 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Missing ROR for non-borrowing title holder. | 07/24/2025 | Verified credit history - Required FICO of 680 with actual FICO of 779.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 39 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 72.85%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.06%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/24/2025 Executed ROR received. - 07/24/2025 Executed ROR received. | Funded C A |
| 900001829 | XXXX | 1121951 | 07/16/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for CD dated xx/xx/xx, Discount fee increased by ($) - from (redacted) to (redacted). No valid COC or lender cure noted in loan file. | 07/25/2025 | Verified credit history - Required FICO of 680 with actual FICO of 712.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 2 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 65.75%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.28%.; Disposable Income - The loan has residual income of ($) monthly.; |  | COC received, finding cleared upon re-submission. - 07/25/2025 COC received, finding cleared upon re-submission. | Funded C A |
| 900001829 | XXXX | 1121953 | 07/16/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | Recording fee increased by ($) - from ($) to ($). Increase exceeds the 10% tolerance allowed. \*\* Final review is pending receipt of the final settlement statement to verify final fees for dry funding state. | 07/25/2025 | Verified credit history - Required FICO of 680 with actual FICO of 712.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 2 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 65.75%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.28%.; Disposable Income - The loan has residual income of ($) monthly.; |  | Final settlement statement and final CD based on actual charges at closing received. Finding cleared upon re-submission with final docs. - 07/25/2025 Final settlement statement and final CD based on actual charges at closing received. Finding cleared upon re-submission with final docs. | Funded C A |
| 900001829 | XXXX | 1122487 | 07/18/2025 | Credit | Missing W2(s) | CRED 0137 | 1 | Closed | Missing xxxx W2's or Wage & Income transcripts for B1/B2. | 07/25/2025 | Verified credit history - Required FICO of 680 with actual FICO of 712.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 2 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 65.75%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.28%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/25/2025 xxxx Wage & Income transcripts for B1/B2 received. - 07/25/2025 2023 Wage & Income transcripts for B1/B2 received. | Funded C A |
| 900001829 | XXXX | 1122488 | 07/18/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing copy of the final settlement statement to verify final fees for dry funding state. | 07/25/2025 | Verified credit history - Required FICO of 680 with actual FICO of 712.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 2 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 65.75%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.28%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/25/2025 Final settlement statement received. - 07/25/2025 Final settlement statement received. | Funded D A |
| 900001829 | XXXX | 1123996 | 07/25/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0123 | 1 | Closed |  | 07/25/2025 | Verified credit history - Required FICO of 680 with actual FICO of 712.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 2 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 65.75%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.28%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | Funded C A |
| 900001840 | XXXX | 1122460 | 07/18/2025 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing 3rd party verification of B2 2nd business (Sch C Educational Services) | 07/24/2025 | Verified credit history - Required FICO of 680 with actual FICO of 728.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 44 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 66.21%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.65%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/24/2025 Finding Cleared, TPR error. Sch-C income was not used to qualify. - 07/25/2025 Finding Cleared, TPR error. Sch-C income was not used to qualify. <br>07/23/2025 VVOE and SOS for Little Artists Preschool received.<br>\*\*Finding remains, missing 3rd party verification for secondary Sch C self-employment. Documents provided were from primary employment source. | Funded C A |
| 900001847 | XXXX | 1122673 | 07/21/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing xxxx Wage & Income transcript. | 07/23/2025 | Verified credit history - Required FICO of 680 with actual FICO of 728.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 14 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 47.55%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.80%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/23/2025 xxxx Wage & Income transcript received. - 07/23/2025 2023 Wage & Income transcript received. | Funded C A |
| 900001847 | XXXX | 1122674 | 07/21/2025 | Credit | Missing W2(s) | CRED 0137 | 1 | Closed | Missing xxxx W2. (xxxx Wage & Income transcript may be accepted in lieu of the W2) | 07/23/2025 | Verified credit history - Required FICO of 680 with actual FICO of 728.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 14 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 47.55%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.80%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/23/2025 xxxx Wage & Income transcript received. - 07/23/2025 2023 Wage & Income transcript received. | Funded C A |
| 900001820 | XXXX | 1122429 | 07/18/2025 | Compliance | Notice Concerning Extension of Credit Disclosure is Missing | TXEQ 0001 | 1 | Closed | Missing executed Notice Concerning Extension of Credit (TX 50 (a)(6)) disclosure dated w/in 12 business days of the Note date XX/XX/XX. Unexecuted disclosures are in file on page XXX and XXX. | 07/24/2025 | Verified credit history - Required FICO of 680 with actual FICO of 700.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 40 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 62.33%. ; Low DTI - Maximum DTI of 45% with review DTI of 28.73%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/24/2025 12 day disclosures executed XX/XX/XX received. - 07/25/2025 12 day disclosures executed 05/21/25 received. | Funded C A |
| 900001820 | XXXX | 1122877 | 07/22/2025 | Compliance | Fair Market Value Disclosure not provided or executed by Title Holders or Lender | TXEQ 0011 | 1 | Closed | Fair Market Value Disclosure not provided or executed by Title Holders or Lender (pg XXX) | 07/28/2025 | Verified credit history - Required FICO of 680 with actual FICO of 700.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 40 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 62.33%. ; Low DTI - Maximum DTI of 45% with review DTI of 28.73%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/28/2025 Fully executed Acknowledgment of Fair Market Value received. - 07/28/2025 Fully executed Acknowledgment of Fair Market Value received.<br>07/25/2025 Acknowledgment of Fair Market Value executed by borrower received.<br>\*\* Finding remains, Lender has not executed the disclosure as required. | Funded C A |
| 900001857 | XXXX | 1122948 | 07/22/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Final CD dated xx/xx/xx does not indicate if the lender did not offer an escrow account or if the borrower declined it. |  | Verified credit history - Required FICO of 680 with actual FICO of 693.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 15 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 66.94%. ; Low DTI - Maximum DTI of 45% with review DTI of 36.11%.; Disposable Income - The loan has residual income of ($) monthly.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001887 | XXXX | 1122787 | 07/21/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated xx/xx/xx does not any disclosed estimated taxes, insurance, and assessments or the Estimated Property Costs over Year 1. Review calculated estimated taxes, insurance, and assessments of ($) with Estimated Property Costs over Year 1 of ($) (Taxes ($) per yr/ ($), Insurance ($) / ($)) Additionally the CD does not indicate if the borrower declined the escrow account or if the lender does not offer one. (1st lien is not escrowed) |  | Verified credit history - Required FICO of 680 with actual FICO of 770.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 34 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 56.75%. ; Low DTI - Maximum DTI of 45% with review DTI of 39.48%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/08/2025 EV2/B Post-Closing Corrective Action -- Corrected PC CD and LOE to borrower received. | Approved C B |
| 900001876 | XXXX | 1123444 | 07/23/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI of 45.16% exceeds the max allowed of 45%. The Gap credit report reflects a new debt, (creditor) with a balance of ($), no payment and noted as deferred. Review used a payment of ($) which increased the DTI from 44.64% to 45.16%. The loan does not meet the GL criteria for a 50% DTI as the FICO of 687 is below the required 720 score. |  | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 70.47%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/11/2025 EV2/B - Investor Acknowledged Exception.<br>07/28/2025 07/28/25 - LRCP defers to FNMA where guideline is silent. Per FNMA "For deferred loans or loans in forbearance, the lender may calculate a payment equal to 1% of the outstanding student loan balance (even if this amount is lower than the actual fully amortizing payment), or a fully amortizing payment using the documented loan repayment terms. Review used 1% payment to qualify. | Approved C B |
| 900001865 | XXXX | 1123805 | 07/24/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Final CD in file dated xx/xx/xx shows a disbursement date of xx/xx/xxxx - while Right to Cancel signed by co-borrower has a rescission end date of midnight on xx/xx/xx. | 07/30/2025 | Verified credit history - Required FICO of 680 with actual FICO of 724.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49%. ; Low DTI - Maximum DTI of 45% with review DTI of 40.25%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/30/2025 Final settlement statement received reflecting the actual disbursement date of xx/xx/xx. - 07/30/2025 Final settlement statement received reflecting the actual disbursement date of 07/15/25. | Funded C A |
| 900001865 | XXXX | 1124019 | 07/25/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing confirmation from employer if the borrower has returned to work full-time. If borrower has not returned is there an anticipated date? All of the May Pay stubs provided reflect that the borrower is currently receiving Short Term Disability and using PTO. Per FNMA - If the borrower will return to work as of the first mortgage payment date, the lender can consider the borrower's regular employment income in qualifying. If the borrower will not return to work as of the first mortgage payment date, but is able to qualify using the lesser of the borrower's temporary leave income (if any) or regular employment income, that "lesser of" income amount must be used. \*\* Final income calculation is pending. Note if borrower is still on leave a breakdown from the employer will be required to break all YTD income as the WVOE does not explain the "Other". | 08/07/2025 | Verified credit history - Required FICO of 680 with actual FICO of 724.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49%. ; Low DTI - Maximum DTI of 45% with review DTI of 40.25%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/07/2025 Experian policy received confirming that the borrower is active and not on leave per their reporting. - 08/07/2025 Experian policy received confirming that the borrower is active and not on leave per their reporting.<br>07/30/2025 Verification stating active does not not confirm that the borrower has returned to work full time from short term disability. \*\* Finding remains, confirmation from employer required. | Funded C A |
| 900001865 | XXXX | 1124510 | 07/28/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing copy of the final settlement statement to verify the actual disbursement date. CD in file dated xx/xx/xx reflects disbursement date of xx/xx/xx which is prior to the ROR expiration date. | 08/04/2025 | Verified credit history - Required FICO of 680 with actual FICO of 724.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49%. ; Low DTI - Maximum DTI of 45% with review DTI of 40.25%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/04/2025 PCCD and LOE provided reflecting disbursement date of xx/xx/xx, post rescission expiration. Finding resolved. - 08/04/2025 PCCD and LOE provided reflecting disbursement date of 7/15/25, post rescission expiration. FInding resolved.<br>07/30/2025 Final settlement statement received reflecting the actual disbursement date of 07/15/25.<br>\*\* Finding remains pending receipt of correct PC CD with updated disbursement date and interest from date with an LOE to the borrower. | Funded D A |
| 900001865 | XXXX | 1124525 | 07/28/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing Updated Softpull to verify final balances and accounts as referenced on the final 1003 and CD payoffs. | 07/30/2025 | Verified credit history - Required FICO of 680 with actual FICO of 724.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49%. ; Low DTI - Maximum DTI of 45% with review DTI of 40.25%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/30/2025 Soft pull report dated xx/xx/xx received. Liabilities updated. - 07/30/2025 Soft pull report dated 07/15/25 received. Liabilities updated. | Funded C A |
| 900001846 | XXXX | 1123978 | 07/25/2025 | Compliance | Loan cannot close during 12-day cooling off period | TXEQ 0007 | 1 | Closed | Loan file does not contain TX50(A)(6) disclosure prior to closing date of xx/xx/xxxx. Early disclosure required at least 12 days prior to closing. | 07/30/2025 | Verified credit history - Required FICO of 700 with actual FICO of 729. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 35 months. ; Low DTI - Maximum DTI of 45% with review DTI of 42.63%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 07/30/2025 Disclosure executed by borrowers on xx/xx/xx received. - 07/30/2025 Disclosure executed by borrowers on 06/05/25 received. | Funded C A |
| 900001860 | XXXX | 1124458 | 07/28/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing xxxx Wage & Income transcripts. | 08/05/2025 | Verified credit history - Required FICO of 700 with actual FICO of 810. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 27 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 72.23%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/05/2025 xxxx Wage & Income transcripts received. - 08/05/2025 2023 Wage & Income transcripts received. | Approved C |
| 900001883 | XXXX | 1124476 | 07/28/2025 | Compliance | NMLS IDs do not match | NMLS 0011 | 1 | Closed | Loan Officer name and NMLS ID on the final 1003 pg xx does not match the NMLS on the Initial 1003 (pg x) and Final CD ###### (pg xx), Note xx, Mortgage of ######. No explanation from lender provided. | 08/08/2025 | Verified credit history - Required FICO of 700 with actual FICO of 749. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 22 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 64.73%. ; Low DTI - Maximum DTI of 45% with review DTI of 31.52%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/08/2025 Corrected 1003 received. - 08/08/2025 Corrected 1003 received. | Approved C |
| 900001883 | XXXX | 1124478 | 07/28/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR on the Final CD dated xx/xx/xxxx decreased more than 0.125 compared to the disclosed APR on CD dated xx/xx/xxxx. Variance 0.213<br>APR on xx/xx/xx CD - 9.694%<br>APR on xx/xx/xx CD - 9.481%<br>Grade - EV2 |  | Verified credit history - Required FICO of 700 with actual FICO of 749. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 22 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 64.73%. ; Low DTI - Maximum DTI of 45% with review DTI of 31.52%.; Disposable Income - The loan has residual income of ($) monthly.; |  | Client: EV2/B Non-Material, APR decreased, benefit to borrower. | Approved C B |
| 900001858 | XXXX | 1124534 | 07/28/2025 | Credit | Asset Documentation is Insufficient | CRED 0083 | 2 | Acknowledged | The final 1003 p.xx assets in checking and savings with balances of ($) and ($) respectively. The file is missing documentation to verify the assets reflected on the final signed 1003 or a corrected final 1003 removing the assets. |  | Verified credit history - Required FICO of 700 with actual FICO of 770. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 29 months. ; Low DTI - Maximum DTI of 45% with review DTI of 41.99%.; Disposable Income - The loan has residual income of ($) monthly.; |  | Client: EV2/B - Mon-Material, cash out proceeds provide sufficient assets to meet the reserves requirement of 2 mths. | Funded C B |
| 900001836 | XXXX | 1124827 | 07/29/2025 | Credit | Asset Documentation is Insufficient | CRED 0083 | 2 | Acknowledged | The final signed 1003 p.xxx lists an asset of ($) in checking account xx with no bank name provided. The file does not contain any asset documents for this cash-out loan. |  | Verified credit history - Required FICO of 700 with actual FICO of 766. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 28 months. ; Low DTI - Maximum DTI of 45% with review DTI of 40.57%.; Disposable Income - The loan has residual income of ($) monthly.; |  | Client: EV2/B Non-Material, Cash Out proceeds used to meet reserves requirement. | Funded C B |
| 900001886 | XXXX | 1125468 | 07/31/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing the IRS Wage and Income transcripts for xxxx and xxxx for both borrowers. | 08/07/2025 | Verified credit history - Required FICO of 700 with actual FICO of 763. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 20 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 57.43%. ; Low DTI - Maximum DTI of 45% with review DTI of 36.32%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/07/2025 Transcripts received. - 08/07/2025 Transcripts received. | Funded C A |
| 900001869 | XXXX | 1125512 | 07/31/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing the IRS Wage and income transcripts for xxxx for the co-borrower. | 08/05/2025 | Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 23 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 42.79%. ; Low DTI - Maximum DTI of 45% with review DTI of 22.45%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/05/2025 xxxx Wage and income transcripts for co-borrower received. - 08/05/2025 2023 Wage and income transcripts transcripts for co-borrower received. | Funded C A |
| 900001872 | XXXX | 1125531 | 07/31/2025 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing the PUD rider. | 08/07/2025 | Verified credit history - Required FICO of 700 with actual FICO of 741. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 3 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.66%. ; Low DTI - Maximum DTI of 45% with review DTI of 43.50%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/07/2025 Executed PUD Rider received. - 08/07/2025 Executed PUD Rider received. | Funded C A |
| 900001872 | XXXX | 1125554 | 07/31/2025 | Compliance | Notice Concerning Extension of Credit Disclosure is Missing | TXEQ 0001 | 1 | Closed | Missing executed Texas 50(a)(6) Notice Concerning Extension of Credit. Disclosure is required at least 12 days prior to closing date of xx/xx/xx. | 08/07/2025 | Verified credit history - Required FICO of 700 with actual FICO of 741. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 3 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.66%. ; Low DTI - Maximum DTI of 45% with review DTI of 43.50%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/07/2025 Texas 50(a)(6) Notice Concerning Extension of Credit executed xx/xx/xx received. - 08/07/2025 Texas 50(a)(6) Notice Concerning Extension of Credit executed 06/14/25 received. | Funded C A |
| 900001872 | XXXX | 1125555 | 07/31/2025 | Compliance | Missing TX Home Equity Affidavit and Agreement | TXEQ 0019 | 1 | Closed | Missing the executed TX Home Equity Affidavit and Agreement. | 08/07/2025 | Verified credit history - Required FICO of 700 with actual FICO of 741. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 3 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.66%. ; Low DTI - Maximum DTI of 45% with review DTI of 43.50%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/07/2025 Executed TX Home Equity Affidavit and Agreement received. - 08/07/2025 Executed TX Home Equity Affidavit and Agreement received. | Funded C A |
| 900001871 | XXXX | 1126166 | 08/04/2025 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Title Commitment is missing Legal Description (Page xxx-xxx). | 08/07/2025 | Verified credit history - Required FICO of 700 with actual FICO of 739. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 22 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 51.82%. ; Low DTI - Maximum DTI of 45% with review DTI of 29.51%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/07/2025 Complete copy of the preliminary title received. - 08/07/2025 Complete copy of the preliminary title received. | Funded C A |
| 900001894 | XXXX | 1126199 | 08/04/2025 | Credit | Missing Final 1003 Application | APP 0001 | 1 | Closed | Missing Final executed 1003 Application. | 08/08/2025 | Verified credit history - Required FICO of 700 with actual FICO of 715. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 35 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80.52%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/08/2025 Final executed 1003 received. - 08/08/2025 Final executed 1003 received. | Approved D |
| 900001894 | XXXX | 1126214 | 08/04/2025 | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 1 | Closed | Missing all CD's. Only the initial CD dated (date) was in the file. Final Compliance submission pending. | 08/08/2025 | Verified credit history - Required FICO of 700 with actual FICO of 715. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 35 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80.52%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | Final CD executed by the borrower (date) received. - Final CD executed by the borrower (date) received. | Approved C |
| 900001894 | XXXX | 1126217 | 08/04/2025 | Compliance | Missing proof that all title holders received a copy of the Final CD at or prior to closing | TRID 0188 | 1 | Closed | Missing NPS executed CD. Only the initial CD dated (date) was in the file. Final Compliance submission pending. | 08/12/2025 | Verified credit history - Required FICO of 700 with actual FICO of 715. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 35 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80.52%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/12/2025 Finding is cleared with the attached final CD executed by NBS, (name). Borrower signed CD provided via stip presentment HUD 0028. - 08/12/2025 Finding is cleared with the attached final CD executed by NBS, Melvin Brown. Borrower signed CD provided via stip presentment HUD 0028.<br>08/12/2025 Missing final CD (7/11) executed by the Non-Borrowing Spouse, Mabel Brown.<br>08/08/2025 Duplicate copy of the final CD executed by the borrower received.<br>\*\* Missing copy of CD acknowledged by NPS Mable R Brown. | Approved C |
| 900001894 | XXXX | 1126468 | 08/05/2025 | Credit | VVOE dated outside of required timeframe | CRED 0072 | 1 | Closed | Missing re-verification of employment for B1/B2 dated w/in 10-days of the Note date (date). | 08/08/2025 | Verified credit history - Required FICO of 700 with actual FICO of 715. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 35 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80.52%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/08/2025 Re-verifications for B1/B2 completed (date) received. - 08/08/2025 Re-verifications for B1/B2 completed 07/10/25 received. | Approved C |
| 900001862 | XXXX | 1125879 | 08/01/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing loan approval. (1008 pg xx is not executed) | 08/05/2025 | Verified credit history - 693 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.74% CLTV w/a max allowed of 75%.; |  | 08/05/2025 UW executed 1008 received. - 08/05/2025 UW executed 1008 received. | Funded D A |
| 900001862 | XXXX | 1125882 | 08/01/2025 | Compliance | Scrivener's Error | NOTE 0060 | 1 | Closed | Incorrect property address is reflected on the Note pg xxx. <br>| 08/04/2025 | Verified credit history - 693 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.74% CLTV w/a max allowed of 75%.; |  | 08/04/2025 Rebuttal provided accepted as legal description aligns to subject property across all documents. Finding resolved. - 08/04/2025 Rebuttal provided accepted as legal description aligns to subject property across all documents. Finding resolved. | Funded C A |
| 900001862 | XXXX | 1125970 | 08/01/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Final CD dated xx/xx/xx does not indicate if the borrower declined an escrow account or if one was not offered. |  | Verified credit history - 693 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.74% CLTV w/a max allowed of 75%.; |  | 08/05/2025 PC CD received. Finding remains, missing LOE to borrower explaining the reason for re-disclosure. (Note finding will remain a B Grade for post-closing corrective action). | Funded C B |
| 900001873 | XXXX | 1126689 | 08/06/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | LENDER ACKNOWLEDGED EXCEPTION— the husband being on this loan while both the husband and wife are on the first mortgage. Lender acknowledged exception on pages x and x with LRP approving the exception request. GL p.x states exceptions are considered on a case-by-case basis when compensating factors exist to offset the risk. Prior approval from LRP is required. GL p.x states borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note (exceptions considered on a case-by case basis). |  | Verified credit history - Required FICO of 700 with actual FICO of 772. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 10 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | Client: EV2/B Lender Acknowledged Exception | Approved C B |
| 900001873 | XXXX | 1126690 | 08/06/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Review DTI of 45.89% exceeds the max allowed of 45%. Variance is due to lender excluding ($) payment to SST. Per the credit report the balance is ($) which 12.41 mths remaining. | 08/08/2025 | Verified credit history - Required FICO of 700 with actual FICO of 772. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 10 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/08/2025 Cleared, TPR error. Verification account was paid in full in file pg xxx. - 08/08/2025 Cleared, TPR error. Verification account was paid in full in file pg 142. | Approved C |
| 900001873 | XXXX | 1126911 | 08/06/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing Exhibit A to the Mortgage. | 08/08/2025 | Verified credit history - Required FICO of 700 with actual FICO of 772. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 10 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/08/2025 Complete copy of the mortgage received. - 08/08/2025 Complete copy of the mortgage received. | Approved C |
| 900001859 | XXXX | 1126453 | 08/05/2025 | Compliance | Non Standard Agency Form Type payments are not applied on the scheduled due date | NOTE 0064 | 1 | Closed | Note does not stipulate payments will be applied on the scheduled due date. Payments paragraph of Note could be interpreted as Daily Simple Interest (DSI). Investor Acknowledgment Required. (Sent to Investor 08/07/25) | 08/14/2025 | Verified reserves - Required 2 months of reserves with verified liquid assets of 3 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 78.66%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/14/2025 Note format does not present a definitive violation of 50(a)(6), cleared. - 08/14/2025 Note format does not present a definitive violation of 50(a)(6), cleared. | Approved C |
| 900001859 | XXXX | 1126471 | 08/05/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | HOA disclosed on CD and 1008 of ($) is less than the verified HOA dues as documented on the monthly statement of ($). Borrower's are paying an RV storage fee of ($) per the statement. Review calculated Estimated Taxes, Insurance, and Assessments ($) with Estimated costs over 1 year of ($) (11 mths). |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 3 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 78.66%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/14/2025 EV2/B - Finding downgraded with the attached PCCD and corresponding cover letter. US Mailbox Rule applied.<br>08/14/2025 Recd updated 1008 and UW Conditional Approval. -- Finding remains. Missing PCCD and cover letter issued within 60 days of consummation. | Approved C B |
| 900001859 | XXXX | 1126508 | 08/05/2025 | Compliance | Fair Market Value Disclosure not provided or executed by Title Holders or Lender | TXEQ 0011 | 1 | Closed | Fair Market Value disclosure is not executed by the Lender. | 08/12/2025 | Verified reserves - Required 2 months of reserves with verified liquid assets of 3 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 78.66%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/12/2025 Recd lender executed Acknowledgment of Fair Market Value of Homestead Property. - 08/12/2025 Recd lender executed Acknowledgment of Fair Market Value of Homestead Property. | Approved C |
| 900001863 | XXXX | 1126530 | 08/05/2025 | Credit | Missing copy of green card for permanent resident alien. | CRED 0122 | 1 | Closed | 1003s reflect B2 is a Permanent Resident Alien. Residency documentation was not documented in file. | 08/18/2025 | Verified credit history - Required FICO of 700 with actual FICO of 743. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 20 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 71.80%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.87%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/18/2025 Recd corrected 1003 with change initial by the borrower to evidence acknowledgment of the change. - 08/18/2025 Recd corrected 1003 with change initial by the borrower to evidence acknowledgment of the change.<br>08/13/2025 Recd Certificate of Citizenship for B2. Name listed matches to the Name Affidavit in file. Included is a corrected 1003. The finding can be cleared upon receipt of evidence that the corrected 1003 was sent to borrower (electronically or by courier) or a borrower signed copy of the corrected 1003 to evidence acknowledgment of the change to the citizenship status. | Funded C A |
| 900001930 | XXXX | 1126783 | 08/06/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Approval is not in file (1008 Page x). | 08/13/2025 | Verified credit history - Required FICO of 700 with actual FICO of 705. ; Low DTI - Maximum DTI of 45% with review DTI of 42.62%.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49.49%. ; |  | 08/13/2025 Finding is cleared with the attached Underwriting Conditional Approval. - 08/13/2025 Finding is cleared with the attached Underwriting Conditional Approval. | Funded D A |
| 900001930 | XXXX | 1126797 | 08/06/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC or General Credit for increase in Loan Discount Fee on CD issued (redacted). Final HUD and CD post disbursement are not in file.(Loan amount did change) -- |  | Verified credit history - Required FICO of 700 with actual FICO of 705. ; Low DTI - Maximum DTI of 45% with review DTI of 42.62%.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49.49%. ; |  | 09/09/2025 EV2/B - Finding is downgraded with the attached PCCD, cover letter, copy of refund check $540.64, and courier receipt to evidence delivery to borrower was completed within 60 days of consummation. <br>08/27/2025 0% tolerance violation is $540.64, loan discount increased from $7,114 on the LE to $7,654.64 on the CD.<br>08/13/2025 Recd COC, 7/22/2025 - Interest rate lock extended which changed borrower paid loan cost from<br>$7,114 to $7,654.64. -- Finding remains. Rate lock agreement in file indicates that the rate was locked 6/3 and expires 7/30. The discount points appears to have increased due to an increase to the loan amount. Missing COC for the increase to the loan amount. | Funded C B |
| 900001930 | XXXX | 1126799 | 08/06/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | Missing COC or General Credit for increase in Recording Fee on CD issued (redacted). Final HUD and CD post disbursement are not in file. (Loan amount did change) -- | 08/27/2025 | Verified credit history - Required FICO of 700 with actual FICO of 705. ; Low DTI - Maximum DTI of 45% with review DTI of 42.62%.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49.49%. ; |  | 08/27/2025 Finding is cleared with the attached dry funding (final) CD and corresponding final settlement statement. - 08/27/2025 Finding is cleared with the attached dry funding (final) CD and corresponding final settlement statement. | Funded C A |
| 900001930 | XXXX | 1132641 | 08/27/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 08/27/2025 | Verified credit history - Required FICO of 700 with actual FICO of 705. ; Low DTI - Maximum DTI of 45% with review DTI of 42.62%.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49.49%. ; |  |  | Funded C A |
| 900001879 | XXXX | 1127321 | 08/08/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified reserves - 2 months reserves or ($) required, borrower is receiving 30.94 months or ($) in cash out proceeds.; Verified credit history - FICO 758, minimum required 700; |  | Client: EV2/B Non-Material | Approved C B |
| 900001908 | XXXX | 1127051 | 08/07/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final Compliance review is pending verification of the subject HOA dues. |  | Verified credit history - Required FICO of 700 with actual FICO of 820. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 34 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 65.55%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.01%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/02/2025 EV2/B PC CD received does not reflect the corrected Estimated taxes, insurance, and HOA or Property costs over 1 year. Costs were over-disclosed. <br>08/26/2025 Missing PCCD with cover letter addressed to borrower explaining the reason for re-disclosure. Disclosed estimated taxes, insurance, and HOA $1,173.56 with property costs over 1 year $12,909.16 is inaccurate. Actual taxes, insurance, and HOA is $1,063.88 with property costs over year 1 of $11,702.68. <br>08/19/2025 Attached loe and snippet from AVM are insufficient to satisfy the exception. -- Finding remains. Borrower was qualified using documented HOA from Other REO. TPO Zillow search indicates borrower is subject to $55 monthly HOA fee for Mount Vista subdivision. Title commitment indicates property may be subject to HOA dues. Missing verification from the HOA that they borrower is not subject to any HOA fees.<br>08/15/2025 Prior Deed of Trust confirms property is a PUD (pg 373). Missing verification of HOA dues. | Funded C B |
| 900001908 | XXXX | 1127766 | 08/11/2025 | Credit | HOA Payment is not verified | CRED 0133 | 2 | Acknowledged | Missing verification of subject HOA fees. 1008 reflects payment of ($) was used to qualify. (HOA statement in file pg xx is not for the subject property). |  | Verified credit history - Required FICO of 700 with actual FICO of 820. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 34 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 65.55%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.01%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/26/2025 EV2/B - Finding is downgraded with the attached updated 1008 and post-consummation dated processor cert confirming HOA fee of $55 was obtained via online resource. Confirmed HOA fee < HOA fee considered in qualifying.<br>08/19/2025 Attached loe and snippet from AVM are insufficient to satisfy the exception. -- Finding remains. Borrower was qualified using documented HOA from Other REO. TPO Zillow search indicates borrower is subject to $55 monthly HOA fee for Mount Vista subdivision. Title commitment indicates property mat be subject to HOA dues. Missing verification from the HOA that they borrower is not subject to any HOA fees.<br>08/15/2025 Prior Deed of Trust confirms property is a PUD (pg 373). Missing verification of HOA dues. | Funded C B |
| 900001908 | XXXX | 1127779 | 08/11/2025 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Missing exterior property condition inspection report with photos. PCI must indicate average condition or better. | 08/25/2025 | Verified credit history - Required FICO of 700 with actual FICO of 820. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 34 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 65.55%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.01%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/25/2025 Exterior PCI received. Condition noted as Good. - 08/25/2025 Exterior PCI received. Condition noted as Good.<br>08/12/2025 The loan file contains invoices for an AVM ($35) and an AVM + PCI ($195). The loan file appears to only contain the AVM. There is no evidence of an onsite inspection completed. AVM in file contains a photo from Google. | Funded C A |
| 900001898 | XXXX | 1127081 | 08/07/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | Initial CD issued and received (date) with an APR of 8.494%. <br>Final CD issued (date) and received (date) with an APR of 8.119%. |  | Verified credit history - Required FICO of 700 with actual FICO of 782. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 38 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 63.96%. ; Low DTI - Maximum DTI of 45% with review DTI of 36.57%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/12/2025 EV2/B Non-Material -- APR Decreased, benefit to borrower. | Approved C B |
| 900001898 | XXXX | 1127578 | 08/11/2025 | Credit | Credit Report is Incomplete | CR 0002 | 1 | Closed | Missing updated pre-close credit report. Final 1003 reflects 4 updated liabilities and indicates a new debt with (creditor) from the soft pull with a balance of ($) and payment of ($). The file contains a credit report dated (date) and a statement from (creditor, #) which shows a zero balance and payment. Final DTI review pending. | 08/12/2025 | Verified credit history - Required FICO of 700 with actual FICO of 782. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 38 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 63.96%. ; Low DTI - Maximum DTI of 45% with review DTI of 36.57%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/12/2025 Finding is cleared with the attached pre-close credit report. Final DTI < 3% variance from the approved DTI. - 08/12/2025 Finding is cleared with the attached pre-close credit report. Final DTI < 3% variance from the approved DTI. | Approved C |
| 900001901 | XXXX | 1127176 | 08/08/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Variance of ($) per month. 1008 (Page x) shows taxes paid per month as ($). Calculated taxes are ($) per month (Page x, x).<br>Final CD dated xx/xx/xx pg x disclosed Estimated Taxes, Insurance, and Assessments of ($) with Estimated Property Costs over Year 1 of ($) (x mths). Review Calculated Estimated Taxes, Insurance, and Assessments of ($) with Estimated Property Costs over Year 1 of ($). Variance is in the subject taxes. |  | Verified credit history - Required FICO of 700 with actual FICO of 736. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 5 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.86%. ; Low DTI - Maximum DTI of 45% with review DTI of 27.25%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/20/2025 EV2/B Post-Closing Corrective action. PC CD with LOE to borrower received.<br>08/18/2025 Recd PCCD and updated 1008. -- Finding remains. Missing cover letter addressed to borrower addressing the reason for re-disclosure. | Funded C B |
| 900001901 | XXXX | 1127627 | 08/11/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | The file contains a LOE for an inquiry with Citi Cards CBNA (date) which shows a new account was opened with a zero balance. The file is missing documentation such as a credit supplement or account statement to verify the terms of the new debt. | 08/15/2025 | Verified credit history - Required FICO of 700 with actual FICO of 736. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 5 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.86%. ; Low DTI - Maximum DTI of 45% with review DTI of 27.25%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/15/2025 Finding is cleared with the attached PreClose Credit Report reflecting new tradeline with ($) balance. - 08/15/2025 Finding is cleared with the attached PreClose Credit Report reflecting new tradeline with $0 balance. | Funded C A |
| 900001902 | XXXX | 1127201 | 08/08/2025 | Compliance | Insurance Premiums must be escrowed in accordance with HFIAA | FLOOD 0005 | 1 | Closed | Missing copy of 1st lien mortgage statement to confirm flood is escrowed. | 08/25/2025 | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 70.94%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/25/2025 1st lien mortgage statement located in file pages 175-176. - 08/25/2025 1st lien mortgage statement located in file pages 175-176. | Funded C A |
| 900001902 | XXXX | 1128139 | 08/12/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing lender explanation for the subject transaction. A HELOC was completed (date), first payment (date). Subject loan closed (date). Per the CD lender paid all closing costs.&nbsp;&nbsp;&nbsp;&nbsp; | 08/18/2025 | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 70.94%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/18/2025 08/18/25 Recd from lender: The reason for the refinance is because the original loan was a high-cost loan and didn't meet guidelines. <br>We are refinancing the borrower out of the original loan and into new loan covering the closing costs and lowering the borrower's interest rate due to our error on the original transaction. <br>- 08/18/2025 08/18/25 Recd from lender: The reason for the refinance is because the original loan was a high-cost loan and didn't meet guidelines. <br>We are refinancing the borrower out of the original loan and into new loan covering the closing costs and lowering the borrower's interest rate due to our error on the original transaction. | Funded C A |
| 900001881 | XXXX | 1127269 | 08/08/2025 | Compliance | NMLS IDs do not match | NOTE 0059 | 1 | Closed | Note and Mortgage includes a Broker (Company) NMLS number of (number), however, no broker is noted per the Application or CD(s).<br>| 08/18/2025 | Verified credit history - Required FICO of 700 with actual FICO of 766. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 37 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49.99; Low DTI - Maximum DTI of 45% with review DTI of 41.02%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/18/2025 TPO completed NMLS search that confirms NMLS ID (number) corresponds with the lender. - 08/18/2025 TPO completed NMLS search that confirms NMLS ID 1382232 corresponds with the lender. <br>08/14/2025 Confirmed the Note and Mortgage both reflect a broker NMLS ID 1382232. | Funded C A |
| 900001915 | XXXX | 1127339 | 08/08/2025 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | E-Sign Disclosure is not in file. Tracking is not in file. | 08/11/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects two open mortgages satisfactorily rated (redacted) and (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed for DTI up to (redacted).; |  | 08/11/2025 Finding is cleared with the attached borrower accepted eConsent. - 08/11/2025 Finding is cleared with the attached borrower accepted eConsent. | Funded C A |
| 900001915 | XXXX | 1127439 | 08/09/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated (redacted) indicates that the loan has an escrow account when it is not escrowed. |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects two open mortgages satisfactorily rated (redacted) and (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed for DTI up to (redacted).; |  | 08/14/2025 EV2/B - Recd PCCD and cover letter, CD page 4 now has box selected for "will not have an escrow account balance" & "you declined it". US Mailbox Rule applied. | Funded C B |
| 900001915 | XXXX | 1127442 | 08/09/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Post Closing CD issued (redacted) adds a (redacted) credit check fee to section B. It is paid to the Title Company. Reviewer cannot verify the fee was part of the title fees borrower shopped for due to being placed in section B. -- | 08/14/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects two open mortgages satisfactorily rated (redacted) and (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed for DTI up to (redacted).; |  | 08/14/2025 EV2/B - Recd PCCD and cover letter. US Mailbox Rule applied. | Funded C A |
| 900001915 | XXXX | 1127647 | 08/11/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Investor acknowledged exception for DTI 50% w/ residual income < (redacted).<br>|  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects two open mortgages satisfactorily rated (redacted) and (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed for DTI up to (redacted).; |  | 08/11/2025 EV2/B - Investor Acknowledged Exception. | Funded C B |
| 900001915 | XXXX | 1127687 | 08/11/2025 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 1 | Closed | Missing credit supplement to document the current balance and payment due on (redacted). The liability was to be paid at closing, but the payment of (redacted) < (redacted) current balance as per the supplemental report. Review calculated the payment using current balance (redacted). DTI > 50% Max Allowed using the full payment from the supplemental report. | 08/27/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects two open mortgages satisfactorily rated (redacted) and (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed for DTI up to (redacted).; |  | 08/27/2025 Finding is cleared with the attached credit supplement reflecting $0 balance / $0 due reporting thru (redacted). Note - last payment of (redacted) appears to be a typo of (redacted) as the funds disbursed (redacted). - 08/27/2025 Finding is cleared with the attached credit supplement reflecting $0 balance / $0 due reporting thru 8/2025. Note - last payment of 7/5 appears to be a typo of 7/25 as the funds disbursed 7/24.<br>08/14/2025 Escalated to investor for review.<br>08/12/2025 Missing credit supplement to document the current balance and payment due on WFBNA Card 8159. The liability was to be paid at closing, but the payment of $5,671 < $6,564 current balance as per the supplemental report (pg 304, 21). | Funded C A |
| 900001915 | XXXX | 1128568 | 08/14/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 08/14/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects two open mortgages satisfactorily rated (redacted) and (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed for DTI up to (redacted).; |  | Duplicate of 0195 - Duplicate of 0195 | Funded C A |
| 900001864 | XXXX | 1127758 | 08/11/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing borrower signed Authorization to Close Line of Credit. | 08/18/2025 | Verified credit history - Middle Credit Score 747 > 680 Minimum Required.; Verified housing payment history - Credit Report reflects 2 open mortgages satisfactorily rated 47 and 30 months.; Low LTV/CLTV/HCLTV - 72.62% CLTV < 80% Max Allowed.; |  | 08/18/2025 Recd borrower signed Authorization to Close Line of Credit. - 08/18/2025 Recd borrower signed Authorization to Close Line of Credit. | Funded C A |
| 900001884 | XXXX | 1127780 | 08/11/2025 | Credit | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Investor acknowledged exception in file for rural property. |  | Verified credit history - 746/744 Middle Credit Scores > 700 Minimum Required.; Verified housing payment history - Credit report reflects 1 open mortgage and 1 open HELOC satisfactorily rated 51 and 73 months respectively.; Low LTV/CLTV/HCLTV - 62.55% CLTV < 75% Max Allowed for Rural Property.; |  | 08/14/2025 EV2/B - Investor Acknowledged Exception. | Approved C B |
| 900001997 | XXXX | 1127667 | 08/11/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal Description is not attached to or contained within Mortgage. | 08/19/2025 | Verified housing payment history - B1 credit report reflects (redacted) open mortgages, one with B2 satisfactorily rated (redacted) months and the other (redacterd) months.; Verified credit history - (redacted) Middle Credit Scores ; |  | 08/19/2025 Recd completed copy of the recorded mortgage. - 08/19/2025 Recd completed copy of the recorded mortgage. | Approved C |
| 900001997 | XXXX | 1127670 | 08/11/2025 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 2 | Acknowledged | Missing B2 signed Initial Application. |  | Verified housing payment history - B1 credit report reflects (redacted) open mortgages, one with B2 satisfactorily rated (redacted) months and the other (redacterd) months.; Verified credit history - (redacted) Middle Credit Scores ; |  | 08/28/2025 EV2/B - Finding is downgraded with the attached LO signed 1003 for B1/B2.<br>08/21/2025 B2 Final 1003 is not signed by the LO. Per posted response, We provide a fully executed final 1003, signed by all parties, which is enough to satisfy this requirement. Both an initial and final are not needed.<br>08/18/2025 B2 Initial 1003 is not signed by the borrower or the LO. Finding can be downgraded to EV2 upon receipt of the LO signed B2 initial 1003. | Approved C B |
| 900001997 | XXXX | 1127699 | 08/11/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | Lender paid state tax decreased on CD issued (redacted). Loan is not a (redacted) transaction. Unable to verify if tax paid by lender is required. -- | 08/28/2025 | Verified housing payment history - B1 credit report reflects (redacted) open mortgages, one with B2 satisfactorily rated (redacted) months and the other (redacterd) months.; Verified credit history - (redacted) Middle Credit Scores ; |  | 08/28/2025 Agree with lender response, corrected system. Finding cleared upon re-submission. - 08/28/2025 Agree with lender response, corrected system. Finding cleared upon re-submission. | Approved C |
| 900001997 | XXXX | 1128011 | 08/12/2025 | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 1 | Closed | Missing insurers replacement cost estimate. EOI does not reflect replacement cost coverage. Dwelling Coverage (redacted) < (redacted) Total Combined Loan Amount and (redacted) of Cost New Per Appraisal of (redacted). | 09/05/2025 | Verified housing payment history - B1 credit report reflects (redacted) open mortgages, one with B2 satisfactorily rated (redacted) months and the other (redacterd) months.; Verified credit history - (redacted) Middle Credit Scores ; |  | 09/05/2025 CoreLogic RCE received reflecting replacement cost of (redacted) received. HOI Coverage (redacted). Coverage exceeds replacement cost. - 09/05/2025 CoreLogic RCE received reflecting replacement cost of $654,443 received. HOI Coverage $655,161. Coverage exceeds replacement cost.<br>08/28/2025 Recd RCE $670,148. Dwelling coverage $655,151 is insufficient to cover the RCE or 1st and 2nd lien loan amounts of $760,407.30. | Approved C |
| 900001997 | XXXX | 1128089 | 08/12/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | The Escrow indicators are marked yes on (redacted)of the final CD, but the second lien is not escrowed. | 08/21/2025 | Verified housing payment history - B1 credit report reflects (redacted) open mortgages, one with B2 satisfactorily rated (redacted) months and the other (redacterd) months.; Verified credit history - (redacted) Middle Credit Scores ; |  | 08/21/2025 Agree, two CD's issued (redacted). The CD with the latest timestamp reflects no escrows. - 08/21/2025 Agree, two CD's issued 7/29. The CD with the latest timestamp reflects no escrows (pg 90). | Approved C |
| 900001997 | XXXX | 1128136 | 08/12/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing evidence of (redacted) months receipt of tenants share of rent of (redacted). Only (redacted) of (redacted) verified. Review used (redacted) rent of documented (redacted) of (redacted).-- Per guidelines, If rental income is being used in addition to bank statement income then it must be documented with a current lease agreement and the most recent (redacted) months receipt. | 08/21/2025 | Verified housing payment history - B1 credit report reflects (redacted) open mortgages, one with B2 satisfactorily rated (redacted) months and the other (redacterd) months.; Verified credit history - (redacted) Middle Credit Scores ; |  | 08/21/2025 Confirmed lender only used (redacted) share of rent to qualify, thus no additional documentation needed for tenant share not considered. - 08/21/2025 Confirmed lender only used section 8 housing voucher share of rent to qualify, thus no additional documentation needed for tenant share not considered.<br>08/18/2025 Missing 2 months receipt of tenants share of rent of $218 (pg 151). The bank statements do not reflect the deposits of $218 from tenant. | Approved C |
| 900001997 | XXXX | 1128137 | 08/12/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 1 | Closed | Missing letter of explanation addressing the source of large deposit posted (redacted) in the amount of (redacted). The (redacted) months bank statements do not reflect a history of regular deposits; Transactions consist of (redacted)Deposits, (redacted) Payments, Wire Transfers and Remote Deposits. DTI > (redacted)% with the large deposit excluded. -- Per guidelines, Ineligible deposits include but are not limited to:<br>Transfers from other borrower bank accounts (except business to personal),<br>Refunds (e.g., tax refund),<br>Payroll deposits from other income sources,<br>Advances and or loan proceeds,<br>Unexplained large deposits, and<br>Any recognizable non-business-related deposit. | 10/15/2025 | Verified housing payment history - B1 credit report reflects (redacted) open mortgages, one with B2 satisfactorily rated (redacted) months and the other (redacterd) months.; Verified credit history - (redacted) Middle Credit Scores ; |  | Finding reviewed and cleared. DTI < (redacted) with installment tradeline < (redacted) remaining and duplicate (redacted) tradeline excluded. - 09/25/2025 EV2/B - Investor Acknowledged Exception, DTI 47.37% > 45% Max with unsourced deposit excluded.<br>09/13/2025 Recd copy of cashiers check in the amount of $27,800. -- Finding remains. The cashiers check was issued by Abraham and Rose Stern who share the same last name as borrowers. No information was provided in the memo line. Review is unable to confirm funds are income related, not funds from family member.<br>09/05/2025 Updated 1008/1003/Income Calculator is adding transfers from another source, Montvale Solar, noting an exception for 1 year self-employment on the revised 1008. B1 has 50% ownership of the related business, Montvale Solar LLC, that was incorporated 5/14/2024 < 2 years. B1/B2 own 100% of the qualifying business, Tri-State Solar. Most recent CPA letter dated 7/24/2025 removed verification of Montvale Solar LLC that was previously listed on letters dated 7/15 and 7/2. The business description and number of employees were stated to be exactly the same as the qualifying self-employment entity, Tri-State Solar. No google search of the Montvale Solar was provided in file. SOS search for Montvale Solar does not reflect an active business status and is not dated. NJ charges for verification of entity status. The self-employment business, Montvale Solar, was initially disclosed on the 1003 and is not listed on the final 1003. The bank statements for Montvale Solar are on hold due to returned mail, which was being returned from the Tri-State Solar business address, 180 Summit Ave. Credit report does not list Montvale Solar as employer, nor was the business reporting within the fraud report. Review excluded the transfers from Montvale Solar. -- Per guidelines, Ineligible deposits include but are not limited to: Transfers from other borrower bank accounts. Investor exception is required to include transfers from other self-employment business, Montvale Solar. Upon receipt of investor acknowledgement the income calculation can be re-reviewed by TPO.<br>08/28/2025 Attached updated 1008 and income calculator are insufficient to satisfy the finding. Lender excluded the unsourced deposit, but then appears to included unsourced online transfers (Chase 9205). Per guidelines, Ineligible deposits include but are not limited to: Transfers from other borrower bank accounts (except business to personal).<br>08/18/2025 The loan was approved under the bank statement program. Letter of explanation addressing irregular deposits is required. | Approved C |
| 900001997 | XXXX | 1128147 | 08/12/2025 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed | Certificate of Title reflects an additional existing mortgage (redacted) in the amount of (redacted), which appears to be a loan from (redacted) for energy efficiency and renewable energy projects. Verification of Mortgage was not provided in file. | 08/21/2025 | Verified housing payment history - B1 credit report reflects (redacted) open mortgages, one with B2 satisfactorily rated (redacted) months and the other (redacterd) months.; Verified credit history - (redacted) Middle Credit Scores ; |  | 08/21/2025 Recd email confirmation from title agent that the final title report has 2 mortgages listed on the mortgage schedule within the report. Included is a copy of the Certificate of Title without the (redacted) mortgage listed. - 08/21/2025 Recd email confirmation from title agent that the final title report has 2 mortgages listed on the mortgage schedule within the report. Included is a copy of the Certificate of Title without the 3rd mortgage listed.<br>08/18/2025 Two versions of Certificate of Title with the same date of 6/26/2025 were provided, one with mortgage 3 and one without. Review is unable to confirm which version is final. | Approved C |
| 900001944 | XXXX | 1127899 | 08/12/2025 | Compliance | Prior Loan Estimate Received Date and Consummation Date | TRID 0015 | 1 | Closed | LE issued xx/xx/xxxx was received on xx/xx/xxxx(Sunday) per the disclosure tracking xxx. The final LE must be received at least 4 business days prior to consummation date. Loan transaction date is xx/xx/xxxx. | 09/05/2025 | Verified credit history - Required FICO of 700 with actual FICO of 779. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 31 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49.64%. ; Low DTI - Maximum DTI of 45% with review DTI of 43.02%.; Disposable Income - The loan has residual income of (4) monthly.; |  | 09/05/25 Copy of LE dated/executed xx/xx/xxxx received. - 09/05/2025 09/05/25 Copy of LE dated/executed 07/18/25 received. | Funded C A |
| 900001944 | XXXX | 1136153 | 09/05/2025 | Compliance | Last Loan Estimate Received Date and Consummation Date | TRID 0022 | 1 | Closed | Last LE dated xx/xx/xxxx was not viewed or esigned by the borrower until xx/xx | 09/05/2025 | Verified credit history - Required FICO of 700 with actual FICO of 779. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 31 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49.64%. ; Low DTI - Maximum DTI of 45% with review DTI of 43.02%.; Disposable Income - The loan has residual income of (4) monthly.; |  | LE dated xx/xx/xx esigned xx/xx/xx received. - LE dated xx/xx/xx esigned xx/xx/xx received. | Funded C A |
| 900001917 | XXXX | 1127952 | 08/12/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated xx/xx/xx (Page xxx) does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified credit history - Required FICO of 700 with actual FICO of 712. ; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 64.11%. ; |  | Client: EV2/B Non-Material | Funded C B |
| 900001917 | XXXX | 1129587 | 08/18/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Review calculated DTI of 45.38% exceeds the max allowed of 45%. Variance is due to lender utilizing taxes from the 1st lien mortgage statement vs current actual verified taxes and insurance. Borrower does not qualify for extended DTI up to 50% as the fico is less than 720. |  | Verified credit history - Required FICO of 700 with actual FICO of 712. ; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 64.11%. ; |  | 08/25/2025 EV2/B Investor Acknowledged Exception - Email received from LRCP confirming DTI exception has been approved. | Funded C B |
| 900001933 | XXXX | 1128015 | 08/12/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing COC for CD dated (redacted) for the increased points. Fee increased from ($) to ($). | 09/09/2025 | Verified credit history - Required FICO of 700 with actual FICO of (redacted). ; Verified reserves - Required 2 months of reserves with verified liquid assets of (redacted) months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted).; Low DTI - Maximum DTI of 45% with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 09/09/2025 - Recd rate sheet confirming par rate and cost to borrower. Supporting documentation - Lock Confirmation dated (redacted), Par Rate 10.125 pg x, Lock Agreement pg xx. - 09/09/2025 Recd rate sheet confirming par rate and cost to borrower. Supporting documentation - Lock Confirmation dated 7/22, Par Rate 10.125 pg 9, Lock Agreement pg 97.<br>09/03/2025 Attached itemization of amount financed is insufficient to satisfy the finding. -- Missing rate sheet reflecting the par rate (undiscounted rate) with cost to borrower for reduced rate of 9.75%.<br>08/27/2025 Attached lock confirmation doesn't reflect the par rate (undiscounted rate). Borrower initially locked at 10.25% with loan discount of $4,214.60 (3.242%). Rate reduced to 9.75% with loan discount of $1,231.10 (.947%).<br>08/26/2025 It appears that the borrower bought down the rate from 10.25% to 9.875%. Missing rate sheet with PAR rate showing cost for 9.875% rate.<br>08/18/2025 Attached COC indicated rate was extended, but it does not address rate change from initial LE of 10.25% to initial CD rate 9.875%. No interim LE's were provided. | Funded C A |
| 900001899 | XXXX | 1128054 | 08/12/2025 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | Initial CD issued (date) is incomplete. Missing Pages x and x of disclosure. | 08/18/2025 | Verified credit history - Required FICO of 700 with actual FICO of 768. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 55 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 80% with review CLTV of 69.73%. ; Low DTI - Maximum DTI of 45% with review DTI of 26.72%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/18/2025 Finding is cleared with the attached copy of the initial CD. - 08/18/2025 Finding is cleared with the attached copy of the initial CD. | Funded C A |
| 900001920 | XXXX | 1128305 | 08/13/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing loan approval / underwriting decision. Only 1008 provided in file. | 08/14/2025 | Verified credit history - 716/705 Middle Credit Scores > 700 Minimum Required.; Verified housing payment history - Credit report reflects 1st and 2nd mortgages satisfactorily rated 23 and 33 months respectively.; Low DTI - DTI 31.31% < 45% Max Allowed.; |  | 08/14/2025 Recd Underwriting Decision. - 08/14/2025 Recd Underwriting Decision. | Funded C A |
| 900001920 | XXXX | 1128370 | 08/13/2025 | Credit | Insufficient Verified Reserves (Number of Months) | CRED 0017 | 1 | Closed | Less than 1 month reserves documented with cash out loan proceeds < 2 months required for CLTV > 75%. No documented assets in file. 1008 indicated no reserves required. | 08/19/2025 | Verified credit history - 716/705 Middle Credit Scores > 700 Minimum Required.; Verified housing payment history - Credit report reflects 1st and 2nd mortgages satisfactorily rated 23 and 33 months respectively.; Low DTI - DTI 31.31% < 45% Max Allowed.; |  | 08/19/2025 Recd updated AUS submission #x, no reserves required. Per agency, if the lender has documented sufficient liquid assets to cover the actual amount of assets required to close the transaction, no resubmission required Otherwise, loan casefile must be resubmitted to DU. - 08/19/2025 Recd updated AUS submission #8, no reserves required. Per agency, if the lender has documented sufficient liquid assets to cover the actual amount of assets required to close the transaction, no resubmission required Otherwise, loan casefile must be resubmitted to DU.<br>08/14/2025 Attached DU #1 was submitted prior to the subject loan application date and does not reflect final DTI, value, or note rate. Missing final DU submission. | Funded C A |
| 900001920 | XXXX | 1128375 | 08/13/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Escrow account section on page x of the CD does not indicate whether the borrower declined an escrow account or if the lender did not offer one. |  | Verified credit history - 716/705 Middle Credit Scores > 700 Minimum Required.; Verified housing payment history - Credit report reflects 1st and 2nd mortgages satisfactorily rated 23 and 33 months respectively.; Low DTI - DTI 31.31% < 45% Max Allowed.; |  | 08/13/2025 EV2/B - Non Material | Funded C B |
| 900001918 | XXXX | 1128500 | 08/13/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval / UW decision. Only the 1008 was provided in file. | 08/21/2025 | Verified housing payment history - Credit report reflects 1st lien satisfactorily rated 35 months.; Verified credit history - Middle Credit Scores (redacted) > 680 Minimum Required.; Low DTI - Approved DTI (redacted) < 45% Max Allowed.; |  | 08/21/2025 Recd underwriting conditional approval. - 08/21/2025 Recd underwriting conditional approval.<br>08/18/2025 Recd loan commitment letter. Missing final loan approval. Attached commitment does not reflect final loan terms. | Funded C A |
| 900001934 | XXXX | 1128722 | 08/14/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Missing student loan documentation to verify the actual monthly payment is ($). The credit report reflects (redacted) xxxx with balance of ($) with no payment listed. Review used a 1% payment of ($) which increased the DTI from 36.631% to 61.52%. Lender to provide student loan documentation to verify the actual monthly payment is ($). -- Fannie Mae GL B3-6-05 states: If the credit report does not provide a monthly payment for the student loan, the lender must determine the qualifying monthly payment using one of the following options. 1. If the borrower is on an income-driven payment plan, the lender may obtain student loan documentation to verify the actual monthly payment is $0. The lender may then qualify the borrower with a $0 payment. 2. For deferred loans or loans in forbearance, the lender may calculate a payment equal to 1% of the outstanding student loan balance (even if this amount is lower than the actual fully amortizing payment), or a fully amortizing payment using the documented loan repayment terms. | 09/10/2025 | Verified credit history - Required FICO of 700 with actual FICO of 711. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 3 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 82.96%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/10/2025 Per FNMA payment may be omitted as borrower is on an income driven plan and ($) payment verified per letter. - 09/11/2025 Per FNMA payment may be omitted as borrower is on an income driven plan and $0 payment verified per letter. <br>08/19/2025 Escalated to investor for review.<br>08/18/2025 Attached documentation is insufficient to satisfy the finding. Borrower has $0 payment due thru 7/17/2026. The scheduled payment of $1,258.20 < 12 months from the first payment increases the DTI 62.87%. | Funded C A |
| 900001919 | XXXX | 1128314 | 08/13/2025 | Compliance | Flood Notice Was Not Executed | FLOOD 0003 | 1 | Closed | Missing evidence of delivery to borrower of the flood notice Flood Notice at least 10 days prior to closing. The flood notice issued xx/xx/xxxx (Page xxx) is not executed by the borrower. Disclosure tracking does not reflect the flood notice as being included in the initial disclosure package. Flood Notice issued xx/xx/xxxx (Page xxx) was executed by borrower at closing. | 08/25/2025 | Verified credit history - Middle Credit Score 711 > 700 Minimum Required.; Verified housing payment history - The credit report reflects 2 mortgages satisfactorily rated 14 and 59 months.; |  | 08/25/2025 Executed flood notice received. - 08/25/2025 Executed flood notice received. | Funded B A |
| 900001919 | XXXX | 1128757 | 08/14/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender loan approval / UW decision. Only 1008 provided in file. | 08/19/2025 | Verified credit history - Middle Credit Score 711 > 700 Minimum Required.; Verified housing payment history - The credit report reflects 2 mortgages satisfactorily rated 14 and 59 months.; |  | Recd underwriting decision. - 08/19/2025 Recd underwriting decision. | Funded C A |
| 900001919 | XXXX | 1128780 | 08/14/2025 | Credit | Unacceptable transaction type | CRED 0044 | 1 | Closed | Missing investor acknowledgement of lender approved exception for concurrent refinance of 1st lien (pg xxx, xxx, xxx, xx, xxx). Per guidelines, Ineligible Transactions: Purchase and concurrent refinance. | 08/20/2025 | Verified credit history - Middle Credit Score 711 > 700 Minimum Required.; Verified housing payment history - The credit report reflects 2 mortgages satisfactorily rated 14 and 59 months.; |  | 08/20/2025 Recd response from investor, we permit concurrent refinances for (redacted), no exception. Investor overlay for lender on file, thus exception is cleared. - 08/20/2025 Recd response from investor, we permit concurrent refinances for PRMG, no exception. Investor overlay for lender on file, thus exception is cleared.<br>08/19/2025 Recd lender approved exception. Missing investor, LRCP, acknowledgement of lender approved exception for concurrent refinance of 1st lien (pg 323,156,372,67,249). Per guidelines, Ineligible Transactions: Purchase and concurrent refinance. | Funded C A |
| 900001919 | XXXX | 1128785 | 08/14/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 2 | Acknowledged | Missing verification of new loan terms for concurrent refinance of 1st lien, New (redacted) (redacted). Final DTI / CLTV calculation is pending receipt of verification of mortgage. Loan file does not contain any documentation for the new loan. CLTV is indicated to increase to 80% as per 1008. Payoff provided (pg xxx, xx, xxx). Per guidelines, Copy of first mortgage note or billing statement (if contains terms of Note) must be included in the loan file. |  | Verified credit history - Middle Credit Score 711 > 700 Minimum Required.; Verified housing payment history - The credit report reflects 2 mortgages satisfactorily rated 14 and 59 months.; |  | 08/19/2025 EV2/B - Recd CD for concurrent refinance of 1st lien. CD is post-consummation dated, but dated prior to subject transaction disbursement date. | Funded C B |
| 900001919 | XXXX | 1128788 | 08/14/2025 | Credit | Missing CPA Letter | CRED 0138 | 2 | Acknowledged | Missing PTIN verification for tax preparer, (redacted) |  | Verified credit history - Middle Credit Score 711 > 700 Minimum Required.; Verified housing payment history - The credit report reflects 2 mortgages satisfactorily rated 14 and 59 months.; |  | 08/19/2025 EV2/B - Recd post-consummation dated verification of IRS tax preparer search. | Funded C B |
| 900001919 | XXXX | 1128794 | 08/14/2025 | Credit | Entity Documentation is Insufficient | CRED 0143 | 1 | Closed | Missing validation of self-employment, Tourism and Recreation, existence. Per tax preparer the borrower has been filing Schedule C self-employment since xx/xx/xxxx (pg xx), but the Schedule C indicates the business was started or acquired during xxxx. It is noted that the xxxx gross income of ($) is approximately half of xxxx gross income of (4) which supports partial year reporting in xxxx. Self-employment income may not be eligible if the most recent tax return does not reflect a full year (12 months) self-employment income. NOTE: FNMA requires two years tax returns for businesses in existence < 5 years. Only 1 year tax return provided.<br>| 08/25/2025 | Verified credit history - Middle Credit Score 711 > 700 Minimum Required.; Verified housing payment history - The credit report reflects 2 mortgages satisfactorily rated 14 and 59 months.; |  | 08/25/2025 Updated 1008 and AUS (DU # x) received. Self-employment income was removed. Borrower is qualifying on rental income only. - 08/25/2025 Updated 1008 and AUS (DU # 8) received. Self-employment income was removed. Borrower is qualifying on rental income only. | Funded D A |
| 900001919 | XXXX | 1128798 | 08/14/2025 | Credit | Missing Evidence of Ownership of Free and Clear Property | CR 0011 | 1 | Closed | Missing evidence REO, (redacted), is owned free and clear. Balloon Mortgage matures (redacted) (pg xx). Rental income was considered in qualifying. VOM was not provided. NOTE(S): Tax return Schedule E cannot be relied upon to evidence free and clear as the borrower is not reporting mortgage interest from other open mortgage on other REO, (redacted) (pg xxx, xx). Free and clear status cannot be confirmed through the fraud report since the property is vested in the name of an LLC, which is reporting through the Schedule E rental real estate. | 08/19/2025 | Verified credit history - Middle Credit Score 711 > 700 Minimum Required.; Verified housing payment history - The credit report reflects 2 mortgages satisfactorily rated 14 and 59 months.; |  | 08/19/2025 Recd VOM. Refer to new exception CRED 0004. DTI > 45% Max with the undisclosed mortgage payment considered. The closing disclosure for subject transaction reflects cash in hand to borrower of ($) < outstanding balance of ($). The CD reflects no debts being paid. - 08/19/2025 Recd VOM. Refer to new exception CRED 0004. DTI > 45% Max with the undisclosed mortgage payment considered. The closing disclosure for subject transaction reflects cash in hand to borrower of $51,016.09 < outstanding balance of $115,516.50. The CD reflects no debts being paid. | Funded C A |
| 900001919 | XXXX | 1128805 | 08/14/2025 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Missing confirmation from borrower that the following REO do not have insurance policies: <br>(redacted)<br>(redacted)<br>NOTE: Tax return Schedule E real estate cannot be relied upon to confirm no insurance expenses as the borrower is not reporting any insurance expense for REO, (redacted), that is being escrowed (pg xxx, xx, xxx). Mortgage statement escrow payment exceeds tax liability from the fraud report, thus supporting insurance is being escrowed. | 08/18/2025 | Verified credit history - Middle Credit Score 711 > 700 Minimum Required.; Verified housing payment history - The credit report reflects 2 mortgages satisfactorily rated 14 and 59 months.; |  | 08/18/2025 Borrower attestation located in file pg xx. - 08/18/2025 Borrower attestation located in file pg 43. | Funded C A |
| 900001919 | XXXX | 1128823 | 08/14/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Missing letter of explanation as to why the borrowers bank statements, property tax bills, and mortgage billing statements for other REO are being sent to rental REO, (redacted) (pg xx, xx, xx, and xxx). Rental income was considered in qualifying from REO, (redacted). | 08/25/2025 | Verified credit history - Middle Credit Score 711 > 700 Minimum Required.; Verified housing payment history - The credit report reflects 2 mortgages satisfactorily rated 14 and 59 months.; |  | 08/25/2025 LOE from borrower received. - 08/25/2025 LOE from borrower received. | Funded C A |
| 900001919 | XXXX | 1130127 | 08/19/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | UPDATED 47.71% DTI > 45% Max % Max with the new payment on the 1st considered.<br>NEW 54.04% DTI > 45% Max Allowed, borrower is not eligible for DTI up to 50%. Recd VOM for non-subject REO (Refer CR 0011). Also provided is the CD for concurrent refinance of 1st lien (Refer CRED 0093).DTI > Max Allowed with P&I payment considered for non-subject REO and new payment on concurrent refinance of 1st lien. | 08/20/2025 | Verified credit history - Middle Credit Score 711 > 700 Minimum Required.; Verified housing payment history - The credit report reflects 2 mortgages satisfactorily rated 14 and 59 months.; |  | 08/20/2025 Finding is cleared with the CD for concurrent refinance of 1st lien (Refer CRED 0093). - 08/20/2025 Finding is cleared with the CD for concurrent refinance of 1st lien (Refer CRED 0093). | Funded C A |
| 900001910 | XXXX | 1128566 | 08/14/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 2 | Acknowledged | Missing copy of the dry funding CD that matches to the final settlement statement. CD signed at closing stated a disbursement date of (date). Final settlement statement states a disbursement date of (date). |  | Verified credit history - Required FICO of 700 with actual FICO of 724. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 9 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 23.75%. ; Low DTI - Maximum DTI of 45% with review DTI of 27.90%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/22/2025 EV2/B Post Closing Corrective action. 08/22/05 LOE to borrower, PC CD, copy of refund check, and Fed-Ex tracking received. <br>08/19/2025 Recd PCCD. -- Finding remains. Missing cover letter and evidence of delivery to borrower of refund check of $225. PCCD cash to borrower $34,335.65 > settlement statement cash to close of $34,110.65, difference is tolerance cure of $225 disclosed on PCCD. | Funded C B |
| 900001924 | XXXX | 1128796 | 08/14/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR on Final CD dated xx/xx/xxxx decreased more than 0.125% compared to the disclosed APR on the initial CD dated xx/xx/xxxx.<br>Variance of 0.130<br>APR on 08/01/25 CD 8.771%<br>APR on 08/05/25 CD 8.641% |  | Verified credit history - Required FICO of 680 with actual FICO of 690.; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 3 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 45.18%. ; Low DTI - Maximum DTI of 45% with review DTI of 32.85%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/25/2025 EV2/B Non-Material - APR Decreased, benefit to borrower. | Funded C B |
| 900001924 | XXXX | 1129558 | 08/18/2025 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 1 | Closed | The signed final 1003 p.xxx lists 2 revolving debts that the payments and balances do not match the credit report and no supplement /statement provided. : (redacted) #xxxx with balance of ($) and payment of ($), The credit report p.xx reflects a balance of ($), payment of ($); <br>(redacted) #xxxx with balance of ($) and payment of ($). The credit report p.xx reflects a balance of ($), payment of ($).<br>| 08/25/2025 | Verified credit history - Required FICO of 680 with actual FICO of 690.; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 3 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 45.18%. ; Low DTI - Maximum DTI of 45% with review DTI of 32.85%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/25/2025 Pre-close report verifying updated balances and payments received. - 08/25/2025 Pre-close report verifying updated balances and payments received. | Funded C A |
| 900001924 | XXXX | 1129561 | 08/18/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | The signed final 1003 p.xxx and the 1008 p.x both list an Other payment of ($) as part of the total PITIA for the subject. The file is missing documentation to verify the ($). | 08/25/2025 | Verified credit history - Required FICO of 680 with actual FICO of 690.; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 3 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 45.18%. ; Low DTI - Maximum DTI of 45% with review DTI of 32.85%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/25/2025 Cleared per lender response: UW's response: The ($) is added in other in order to make sure the PITI matches the mortgage statement payment. In this case after adding in taxes and insurance to the base P&I payment we were still short($). If you add up the P&I + Ins + Taxes + the ($) you will get the Full PITI payment as per the mortgage statement. We do<br>this on every 2nd mortgage we have. <br>- 08/25/2025 Cleared per lender response: UW's response: The $467 is added in other in order to make sure the PITI matches the mortgage statement payment. In this case after adding in taxes and insurance to the base P&I payment we were still short $467.39. If you add up the P&I + Ins + Taxes + the $467.39 you will get the Full PITI payment as per the mortgage statement. We do<br>this on every 2nd mortgage we have. | Funded C A |
| 900001968 | XXXX | 1129648 | 08/18/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing the IRS Wage and Income transcripts for xxxx and xxxx. | 09/15/2025 | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 16 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 78.59%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.66%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/15/2025 xxxx-xxxx Wage & Income transcripts received. - 09/15/2025 2023-2024 Wage & Income transcripts received. | Funded C A |
| 900001922 | XXXX | 1128667 | 08/14/2025 | Credit | Missing Final 1003 Application | APP 0001 | 1 | Closed | Missing the final 1003. The file contains the initial 1003 p.x. | 08/21/2025 | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 84.37%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.94%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/21/2025 Recd final 1003. - 08/21/2025 Recd final 1003. | Funded D A |
| 900001922 | XXXX | 1128672 | 08/14/2025 | Compliance | Missing Initial Closing Disclosure | TRID 0129 | 1 | Closed | Loan file does not contain an initial CD | 08/22/2025 | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 84.37%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.94%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/22/2025 Initial and interim CDs received. - 08/22/2025 Initial and interim CDs received.<br>08/21/2025 Missing interim CD's or signed attestation from lender that there were no interim disclosures issued to borrower. | Funded C A |
| 900001922 | XXXX | 1128678 | 08/14/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | The file is missing the Final CD and Settlement statement. | 08/19/2025 | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 84.37%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.94%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/19/2025 Recd closing CD. - 08/19/2025 Recd closing CD. | Funded D A |
| 900001922 | XXXX | 1129810 | 08/19/2025 | Credit | Missing Title Evidence | TITL 0001 | 1 | Closed | Missing title commitment or final title policy and closing instructions. | 08/21/2025 | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 84.37%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.94%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/21/2025 Agree, per guidelines O&E is acceptable. O&E previously presented x/xx. - 08/21/2025 Agree, per guidelines O&E is acceptable. O&E previously presented 8/19.<br>08/19/2025 Attached title document does not include the requirements for transaction or any exceptions to title. | Funded D A |
| 900001922 | XXXX | 1129816 | 08/19/2025 | Credit | Missing Employment doc (VOE) | CRED 0007 | 1 | Closed | Missing VOE completed within 10 days of closing. The file contains a WVOE dated xx/xx/xxxx. The Note is dated xx/xx/xxxx. | 08/19/2025 | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 84.37%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.94%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/19/2025 Recd VOE completed within 10 days of closing. - 08/19/2025 Recd VOE completed within 10 days of closing. | Funded C A |
| 900001922 | XXXX | 1129817 | 08/19/2025 | Credit | Asset Documentation is Insufficient | CRED 0083 | 1 | Closed | Missing (redacted) 401K quarterly statement covering thru xx/xx/xxxx. The file contains a quarterly statement for (redacted) 401K p.xx which has expired. The Note date is x/xx/xxxx and the 401K statement date is x/xx/xxxx which is xxx days old. The file contains an online printout dated xx/xx/xxxx with only an account balance; however, it does not reflect the account holder name, account number, bank name or transaction history. The subject loan requires 2 months of reserves of ($). The CD is missing to determine if there is sufficient cash out to cover the reserves. If the 401K funds are required for reserves, updated 2 months of statements are needed. | 08/19/2025 | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 84.37%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.94%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/19/2025 Recd final CD (Refer HUD 0001), reserve requirements met with cash received at closing. - 08/19/2025 Recd final CD (Refer HUD 0001), reserve requirements met with cash received at closing. | Funded C A |
| 900001922 | XXXX | 1131075 | 08/21/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 1 | Closed | Missing valid COC for the addition of the Title Services Fee of ($) paid to provider. | 08/22/2025 | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 84.37%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.94%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/22/2025 COC for CD issued xx/xx/xxxx received. Finding cleared upon re-submission w/valid change of circumstance. - 08/22/2025 COC for CD issued 06/17/25 received. Finding cleared upon re-submission w/valid change of circumstance. | Funded C A |
| 900001912 | XXXX | 1129946 | 08/19/2025 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | The appraisal was completed As-is. However, the photos on pages xxx and xxx show a hole in the subject roof with a comment that it is minor roof repair. There are no additional comments on the appraisal regarding the roof damage and there is no documentation in the file to clarify if the damage in the photos is missing shingles with the tar paper showing or an actual hole. Cost to cure is not provided. | 08/21/2025 | Verified reserves - Required 2 months of reserves with verified liquid assets of 42 months. ; Low DTI - Maximum DTI of 45% with review DTI of 39.06%.; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 08/21/2025 Recd updated appraisal, Two shingles were sticking up due to wind damage with NO hole in the roof and NO tar paper missing - that is a shadow from the sun. Therefore NO cost to cure is necessary as laying the two shingle back down by the home owner has no cost. - 08/21/2025 Recd updated appraisal, Two shingles were sticking up due to wind damage with NO hole in the roof and NO tar paper missing - that is a shadow from the sun. Therefore NO cost to cure is necessary as laying the two shingle back down by the home owner has no cost. | Funded C A |
| 900001913 | XXXX | 1129030 | 08/15/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing evidence of the hazard insurance premium. Insurance documents in the file do not disclose the premium amount. Reviewer used (redacted) annual/(redacted) monthly based on the escrow amount for the 1st mortgage:<br>Escrow payment from 1st mtg statement (redacted), (redacted) MIP Ins Disbursed on statement (redacted), Documented taxes (redacted). Verified costs (redacted) MIP + property taxes (redacted)<br>Remaining escrow payment used as insurance (redacted)<br>| 08/21/2025 | Verified reserves - No reserves required, borrowers are receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 08/21/2025 Recd EOI reflecting the annual policy premium. - 08/21/2025 Recd EOI reflecting the annual policy premium. | Funded C A |
| 900001913 | XXXX | 1129031 | 08/15/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated (redacted) does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified reserves - No reserves required, borrowers are receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 08/19/2025 EV2/B - Non-Material | Funded C B |
| 900001913 | XXXX | 1129039 | 08/15/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. | TRID 0121 | 1 | Closed | COC states change was new information and further describes a change in product type due to creditworthiness, however no details surrounding the change were provided. Review identified a reduction of lender credit from(redacted) to (redacted) -- | 08/21/2025 | Verified reserves - No reserves required, borrowers are receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 08/21/2025 Recd COC. Loan file contains corresponding lock confirmation reflecting pricing to support change to the lender credit, lock extended. - 08/21/2025 Recd COC. Loan file contains corresponding lock confirmation reflecting pricing to support change to the lender credit, lock extended (pg 194, 582). | Funded C A |
| 900001913 | XXXX | 1129887 | 08/19/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing lender approval / underwriting decision, only the unsigned 1008 is in the file. | 08/21/2025 | Verified reserves - No reserves required, borrowers are receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 08/21/2025 Recd underwriting decision. - 08/21/2025 Recd underwriting decision. | Funded C A |
| 900001913 | XXXX | 1129889 | 08/19/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | The borrowers on the first mortgage are (redacted) and (redacted), only (redacted) name is on the subject second mortgage. Per guidelines, borrowers on the first mortgage note must be the same as the borrowers on the second mortgage note. |  | Verified reserves - No reserves required, borrowers are receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 08/19/2025 EV2/B - Investor acknowledged exception | Funded C B |
| 900001913 | XXXX | 1131072 | 08/21/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing dry funding CD. Final settlement statement was not in file to confirm date of disbursement. The loan disbursement date (redacted) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (redacted). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) | 08/27/2025 | Verified reserves - No reserves required, borrowers are receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 08/27/2025 Finding is cleared with the dry funding CD (final) and attached corresponding final settlement statement, disbursement date confirmed to be (dated). - 08/27/2025 Finding is cleared with the dry funding CD (final) and attached corresponding final settlement statement, disbursement date confirmed to be 8/12/2025.<br>08/22/2025 Final settlement statement received confirming a funding date of 08/12/25.<br>\*\* Finding remains, Missing final updated CD to match the final HUD. | Funded C A |
| 900001927 | XXXX | 1130430 | 08/20/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | LENDER ACKNOWLEDGED EXCEPTION— for the subject property being rural. GL p.x states rural properties require prior approval. The subject loan is a rural property using 12 months of bank statements requiring reductions of CLTV by 10% and 5% respectively for a final CLTV of 70%. The Exception request is p.xxx with a lender email approving the exception on p.xxx. |  | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted); |  | 08/22/2025 LENDER ACKNOWLEDGED EXCEPTION | Funded C B |
| 900001927 | XXXX | 1130431 | 08/20/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | The lender notes on the 1008 state the borrower is doing this cash-out refinance to purchase an investment property and the estimated PITIA for the investment property is included in the DTI. The file is missing documentation to verify the loan amount of (redacted) and PITIA of (redacted) for the investment property being purchased. Lender may provide best know information at the time via a 1003, 1008, LE, or CD. | 08/28/2025 | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted); |  | 08/28/2025 Finding is cleared with the attached 1008, updated 1003 that includes the address and final loan terms for concurrent purchase transaction, and CD for concurrent transaction. DTI with final debt service on concurrent refinance is within 3% tolerance of the approved DTI, thus update is deemed immaterial and does not require borrowers signature. - 08/28/2025 Finding is cleared with the attached 1008, updated 1003 that includes the address and final loan terms for concurrent purchase transaction, and CD for concurrent transaction. DTI with final debt service on concurrent refinance is within 3% tolerance of the approved DTI, thus update is deemed immaterial and does not require borrowers signature.<br>08/21/2025 Attached updated 1003 in insufficient to satisfy the finding. Missing evidence that the concurrent purchase transaction has been canceled with an updated 1008. Corrected 1003 application is to be signed by the borrower to evidence acknowledgement of the change. | Funded C A |
| 900001931 | XXXX | 1130230 | 08/20/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated xx/xx/xxxx (Page xxx) does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified credit history - Required FICO of 700 with actual FICO of 704. ; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 6 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 35.88%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/26/2025 EV2/B Non-Material | Funded C B |
| 900001931 | XXXX | 1130830 | 08/21/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | The loan file is missing the signed written business narrative required by the GL. | 08/22/2025 | Verified credit history - Required FICO of 700 with actual FICO of 704. ; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 6 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 35.88%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 08/22/2025 Exception set in error, full doc loan. - 08/22/2025 Exception set in error, full doc loan. | Funded C A |
| 900001931 | XXXX | 1131066 | 08/21/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing copy of the final settlement statement to confirm the actual disbursement date. Settlement statement in file pg xxx reflects a settlement date of xx/xx/xx and disbursement date of xx/xx/xx. Final CD dated xx/xx/xx pg xxx reflects a closing date of xx/xx/xx and disbursement date of xx/xx/xx. (Transaction date per the ROR xx/xx/xx). \*\* Corrected CD may be required. | 09/05/2025 | Verified credit history - Required FICO of 700 with actual FICO of 704. ; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 6 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 35.88%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/05/2025 Copy of closing package executed xx/xx/xx. Finding cleared upon re-submission with final docs. - 09/05/2025 Copy of closing package executed 08/13/25. Finding cleared upon re-submission with final docs.<br>08/26/2025 Lender to confirm if the documents were resigned. The Note, mortgage, ROR and other docs provided were all dated 07/15/25. The HUD / PC CD reflects a transaction date of 08/13/25 and Funding date of 08/18/25. The interest from date was updated to 09/01/25. Note reflects a first payment date of 09/01/25.<br>08/22/2025 Final settlement statement received. Statement reflects a disbursement / Interest from date of 08/18/25. Missing final CD matching settlement statement as required for Dry funding state. | Funded D A |
| 900001998 | XXXX | 1130900 | 08/21/2025 | Property | Missing Property Condition | APPR 0020 | 1 | Closed | Missing exterior property condition inspection. PCI must indicate average condition or better. | 08/25/2025 | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted).; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted)% with review CLTV of (redacted)%. ; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 08/25/2025 Exterior PCI indicating the subject to be in Average condition received. - 08/25/2025 Exterior PCI indicating the subject to be in Average condition received. | Approved C |
| 900001998 | XXXX | 1131128 | 08/22/2025 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | ICE CA Value AVM is not one the approved AVM Vendor's listed on the GL (redacted) | 08/25/2025 | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted).; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted)% with review CLTV of (redacted)%. ; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 08/25/2025 AVM is a product of (redacted) / (redacted) - 08/25/2025 AVM is a product of Stewart / ProTeck (Collateral Analytics) | Approved C |
| 900001900 | XXXX | 1130337 | 08/20/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  | Verified credit history - Required FICO of 700 with actual FICO of 743. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 104 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 82.61%. ; Low DTI - Maximum DTI of 45% with review DTI of 30.70%.; Disposable Income - The loan has residual income of ($) monthly.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001967 | XXXX | 1130816 | 08/21/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated xx/xx/xxxx pg xxx disclosed Estimated Taxes, Insurance, and Assessments of ($) w/ Estimated Property costs over 1 year of ($) (11 mths). Review calculated ($) with Estimated Property costs over 1 year of ($). |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 48 months. ; Low DTI - Maximum DTI of 45% with review DTI of 35.94%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/16/2025 EV2/B Post-Closing Corrective Action- Corrected PC CD and LOE received. | Approved C B |
| 900001967 | XXXX | 1131666 | 08/25/2025 | Credit | Unacceptable Mortgage History | CRED 0001 | 2 | Acknowledged | The credit report p.xx reflects a 1x30 day late in xx/xxxx for the 1st lien mortgage with (redacted). The subject Note date is xx/xx/xxxx. The GL's p. x states housing history can only reflect 0x30 in the prior 24 months. |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 48 months. ; Low DTI - Maximum DTI of 45% with review DTI of 35.94%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/02/2025 EV2/B Investor Acknowledged Exception- Email received from LRCP that they are ok with granting a 1 time exception.<br>08/27/2025 Escalated to investor for review.<br>08/26/2025 Recd loe from borrower with snippet from sellers guidelines. -- Finding remains. 0x24x30 is required per investor guidelines. | Approved C B |
| 900001903 | XXXX | 1131093 | 08/21/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Final CD dated (redacted) disclosed Estimated Taxes, Insurance, and Assessments of (redacted) w/estimated property costs over 1 year of (redacted) (xx mths). Review calculated (redacted) w/estimated property costs over x year of (redacted). | 08/26/2025 | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 66 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 08/26/2025 Finding re-reviewed and cleared. Confirmed that the documented property costs matches to the disclosed property costs. Disclosed tax (redacted) was calculated using the annual tax, not rounded. Initial review appears to have double counted the county tax. Loan information section is the total annual tax due. - 08/26/2025 Finding re-reviewed and cleared. Confirmed that the documented property costs matches to the disclosed property costs. Disclosed tax $239.80 was calculated using the annual tax, not rounded. Initial review appears to have double counted the county tax. Loan information section is the total annual tax due. | Funded C A |
| 900001929 | XXXX | 1131938 | 08/25/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing documentation to verify borrower's ownership percentage in (redacted). (redacted) Letter does not confirm the borrower's percentage of ownership. | 08/26/2025 | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - Required (redacted) months of reserves with verified liquid assets of (redacted) months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 08/26/2025 Recd (redacted) letter confirming borrowers percentage of ownership. - 08/26/2025 Recd CPA letter confirming borrowers percentage of ownership. | Funded C A |
| 900001941 | XXXX | 1131540 | 08/23/2025 | Compliance | High Cost Failure | HCOST 0001 | 1 | Closed | The loan fees ($) exceed the (XX) High Cost fee limit, which is ($), the difference is ($).<br>The loan fees ($) exceed the (xx_Investor) High Cost fee limit, which is ($), the difference is ($). | 09/15/2025 | Verified credit history - Required FICO of 680 with actual FICO of 687.; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 14 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 63.35%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/15/2025 Lender rate sheet provided confirming discount was bona fide. Finding cleared upon resubmission. - 09/15/2025 Lender rate sheet provided confirming discount was bona fide. Finding cleared upon resubmission.<br>09/02/2025 Lender's Mavent report includes, Other Adjustment(s): ($1,300.00), to state high cost fee testing.<br>08/27/2025 Fees included in the High Cost calculation:<br>Loan Discount $1,332.50<br>Underwriting $1,629<br>Flood Cert $14<br>Settlement $400<br>Verification $199<br>Closing Protection Letter $50<br>Total $3,624.50. | Funded C A |
| 900001999 | XXXX | 1132333 | 08/26/2025 | Credit | Missing CPA Letter | CRED 0138 | 2 | Acknowledged | Tax preparer letter does not provide each borrower's percentage of ownership. |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating.; |  | 09/16/2025 EV2/B - Recd email correspondence from the CPA stating, "Craig is the only owner. I will have to correct this next week after the 9/15 deadline I'm up against." CPA email is in support of the 1003, business narrative, articles, and SOS which only list B1 as being associated with the business.<br>09/02/2025 Recd SOS and Articles of Organization. -- Finding remains. CPA states both borrowers have ownership of the self-employment, thus indicating that there has been an amendment to the operating agreement since the Articles of Organization was executed. Missing CPA letter confirming borrower's percentage of ownership. | Funded C B |
| 900001999 | XXXX | 1132334 | 08/26/2025 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 1 | Closed | No employment is listed on the 1003 for B2, but the (redacted) letter indicates B2 is part owner of the self-employment business for which income was used for qualifying (redacted). | 09/16/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating.; |  | 09/16/2025 Refer to CRED 0103 - Recd email correspondence from the (redacted) stating, "(redacted) is the only owner. I will have to correct this next week after the (redacted) deadline I'm up against." (redacted) email is in support of the 1003, business narrative, articles, and SOS which only list B1 as being associated with the business, thus no correction required. - 09/16/2025 Refer to CRED 0103 - Recd email correspondence from the CPA stating, "Craig is the only owner. I will have to correct this next week after the 9/15 deadline I'm up against." CPA email is in support of the 1003, business narrative, articles, and SOS which only list B1 as being associated with the business, thus no correction required. | Funded C A |
| 900001999 | XXXX | 1132335 | 08/26/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing final loan approval / underwriting decision. Only the 1008 was provided. | 08/27/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating.; |  | 08/27/2025 Recd underwriting decision. - 08/27/2025 Recd underwriting decision. | Funded C A |
| 900001999 | XXXX | 1132356 | 08/26/2025 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Per title commitment, (redacted). Contains provision for continuing assessment liens, compliance should be checked by contacting the homeowner's association. Missing confirmation subject property is not located in a PUD which would require a PUD rider. (redacted) search indicates subject property is subject to HOA fees. | 09/16/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating.; |  | 09/16/2025 Finding is cleared with the attached re-recorded Corrected Deed of Trust that includes a PUD rider. - 09/16/2025 Finding is cleared with the attached re-recorded Corrected Deed of Trust that includes a PUD rider. | Funded C A |
| 900001999 | XXXX | 1132372 | 08/26/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 2 | Acknowledged | Missing letter of explanation for borrower drawing (redacted) from credit lines in the past (redacted) months, which is approximately (redacted) of gross income. Current balance in the borrower's business bank account is (redacted). The loan repayments are approximately (redacted) of the monthly qualifying income. Excessive loan advances could indicate possible cash flow issues.<br>(redacted) |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating.; |  | 10/02/2025 EV2/B Recd Post-Consummation dated LOE from the borrower stating that the use of credit line is manage cash flow due to differences between payables and receivables. -- It is common practice for businesses to use a line of credit to manage cash flow, especially for short-term needs like covering payroll, inventory, and seasonal fluctuations. A line of credit provides flexible access to funds when needed, allowing businesses to only pay interest on the amount borrowed, which helps maintain a steady cash flow without incurring unnecessary debt. <br>09/17/2025 Recd business statement income calculator. -- Finding remains. Missing borrower LOE for drawing $258,774 from credit lines in the past 12 months, which is approximately 40% of gross income. Excessive loan advances could indicate possible cash flow issues. | Funded C B |
| 900001999 | XXXX | 1132400 | 08/26/2025 | Credit | CLTV Exceeds Max Allowed | CRED 0012 | 2 | Acknowledged | (redacted) CLTV > (redacted) Max Allowed ((redacted) Max less (redacted) reduction for bank statement loan program). Approved CLTV of (redacted) is based on a value of (redacted), but no valuation was provided in file to support. Review used the AVM value of (redacted). |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating.; |  | 10/01/2025 EV2/B - Investor Acknowledged Exception.<br>09/17/2025 Escalated to investor for review. | Funded C B |
| 900001999 | XXXX | 1132403 | 08/26/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 1 | Closed | Most recent business bank statement is dated (redacted) > (redacted) days from the Note date of (redacted). -- Per guidelines, Provide (redacted) or (redacted) month's complete and consecutive bank statements within (redacted) days of Note date. | 09/17/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating.; |  | 09/17/2025 Finding is cleared with the attached (redacted) statement. Updated bank statement income calculator was provided to CRED 0104. - 09/17/2025 Finding is cleared with the attached 6/30 statement. Updated bank statement income calculator was provided to CRED 0104. | Funded C A |
| 900001999 | XXXX | 1132406 | 08/26/2025 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 1 | Closed | Missing verification of the (redacted) HOA fee. The (redacted) property details on printout in file was not expanded prior to printing to reflect the (redacted) HOA fee. | 09/02/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating.; |  | 09/02/2025 Recd (redacted) confirming (redacted) HOA fee. - 09/02/2025 Recd Redfin confirming $30 HOA fee. | Funded C A |
| 900001925 | XXXX | 1132543 | 08/27/2025 | Credit | Unacceptable Credit History | CRED 0009 | 2 | Acknowledged | Credit report reflects HELOC 1x30 (redacted). The subject Note date is (redacted). The GL's Mortgage/Credit history requirements p.x state 0x30 in the last 24 months. |  | Verified credit history - Required FICO of 700 with actual FICO of 755. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted). ; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 08/28/2025 Lender Acknowledged Exception. | Funded C B |
| 900001925 | XXXX | 1132779 | 08/27/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing documentation to verify ownership percentage. (redacted) letter in file does not verify ownership percentage. AOI's and By-Laws do not verify ownership. | 08/28/2025 | Verified credit history - Required FICO of 700 with actual FICO of 755. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted). ; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 08/28/2025 Letter confirming 100% ownership received. - 08/28/2025 Letter confirming 100% ownership received. | Funded C A |
| 900001925 | XXXX | 1132819 | 08/27/2025 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | Missing explanation regarding the appraisal being dated prior to the brokers application date of (redacted). Appraisal is dated (redacted) and was paid for by the borrower on (redacted). | 09/02/2025 | Verified credit history - Required FICO of 700 with actual FICO of 755. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted). ; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 09/02/2025 Recd transfer letter. - 09/02/2025 Recd transfer letter.<br>08/28/2025 Missing transfer letter. | Funded C A |
| 900001905 | XXXX | 1132011 | 08/25/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing affiliated business disclosure. No Facts disclosure for for (redacted). in file. If lender has no affiliates an attestation on company letterhead may be provided. | 09/02/2025 | Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.66%. ; Verified credit history - Required FICO of 700 with actual FICO of 732. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 9 months. ; Low DTI - Maximum DTI of 45% with review DTI of 43.24%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/02/2025 Attestation from (redacted) that (redacted) has no affiliates received. - 09/02/2025 Attestation from Plaza that Liberty 1st Lending Inc. has no affiliates received. | Funded C A |
| 900001905 | XXXX | 1132023 | 08/25/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing Final CD. Only one CD dated (date) provided. Final compliance review pending receipt of the final and any subsequent CDs. | 09/02/2025 | Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.66%. ; Verified credit history - Required FICO of 700 with actual FICO of 732. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 9 months. ; Low DTI - Maximum DTI of 45% with review DTI of 43.24%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/02/2025 Final CD dated/executed (date) received. - 09/02/2025 Final CD dated/executed 08/11/25 received. | Funded D A |
| 900001905 | XXXX | 1134472 | 09/02/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 09/02/2025 | Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.66%. ; Verified credit history - Required FICO of 700 with actual FICO of 732. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 9 months. ; Low DTI - Maximum DTI of 45% with review DTI of 43.24%.; Disposable Income - The loan has residual income of ($) monthly.; |  | Duplicate of 0195 - Duplicate of 0195 | Funded C A |
| 900001906 | XXXX | 1133064 | 08/28/2025 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | The file is missing a VVOE dated w/in 10 days of the note date of xx/xx/xx. | 09/02/2025 | Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 10 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 73.10%. ; Verified credit history - Required FICO of 700 with actual FICO of 770. ; |  | 09/02/2025 VVOE completed xx/xx/xx received. - 09/02/2025 VVOE completed 08/08/25 received. | Funded C A |
| 900001906 | XXXX | 1133238 | 08/28/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing WVOE and/or current pay stubs covering 30 days income to support base income of ($) and overtime of ($) used to qualify. Only the xxxx/xxxx Wage and Income transcripts were provided for review. Final DTI review is pending. | 09/02/2025 | Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 10 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 73.10%. ; Verified credit history - Required FICO of 700 with actual FICO of 770. ; |  | 09/02/2025 TWN WVOE received. - 09/02/2025 TWN WVOE received. | Funded C A |
| 900001948 | XXXX | 1133953 | 08/29/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing Business Narrative, as required per guidelines for Bank Statement loans. |  | Verified reserves - 2 months reserves or ($) required, borrower is receiving 27.10 months or ($) in cash out proceeds.; Verified credit history - FICO 721, minimum required 700; |  | 09/05/2025 Email recd from LRCP, exception to waive documentation approved. | Funded C B |
| 900001948 | XXXX | 1134373 | 09/02/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | DTI variance from the lender exceeds x%. The reason for the variance is the income calculation. It appears the lender included all "Web to DDA fr DDA" deposits in qualifying income, it appears these are transfers from other accounts that are undocumented. |  | Verified reserves - 2 months reserves or ($) required, borrower is receiving 27.10 months or ($) in cash out proceeds.; Verified credit history - FICO 721, minimum required 700; |  | Mitigated Risk: Non-material issue - DTI is still within guidelines. | Funded C B |
| 900001953 | XXXX | 1134878 | 09/03/2025 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | The 1008 p.xx, Loan Confirmation p.xxx and Lock p.xxx all reflect the subject value as ($). The AVM p.xxx reflects the value as ($) which increases the CLTV from 58.478% to 59.35%. Lender to provide documentation to support using value of ($) or updated 1008. | 09/03/2025 | Verified credit history - Required FICO of 700 with actual FICO of 769. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 19 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 59.35%. ; Low DTI - Maximum DTI of 45% with review DTI of 34.23%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/03/2025 Corrected 1008 reflecting value of ($) received. - 09/03/2025 Corrected 1008 reflecting value of $868,421 received. | Funded C A |
| 900001953 | XXXX | 1134908 | 09/03/2025 | Compliance | HUD-1 is Incomplete | HUD 0024 | 1 | Closed | Missing copy of the final settlement statement to verify the actual disbursement date. Final CD in file reflects a disbursement date of xx/xx/xxd settlement statement was provided for review. | 09/05/2025 | Verified credit history - Required FICO of 700 with actual FICO of 769. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 19 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 59.35%. ; Low DTI - Maximum DTI of 45% with review DTI of 34.23%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/05/25 Final settlement statement and CD received confirming funding date of xx/xx/xx. - 09/05/2025 09/05/25 Final settlement statement and CD received confirming funding date of 08/27/25. | Funded C A |
| 900001953 | XXXX | 1134909 | 09/03/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Final CD dated xx/xx/xx pg xxx reflects a disbursement date of xx/xx/xx which was the same date the the ROR expired. Copy of final settlement statement requested to verify disbursement date. Final updated CD will be required. | 09/05/2025 | Verified credit history - Required FICO of 700 with actual FICO of 769. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 19 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 59.35%. ; Low DTI - Maximum DTI of 45% with review DTI of 34.23%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/05/25 Final settlement statement and CD received confirming funding date of xx/xx/xx. - 09/05/2025 09/05/25 Final settlement statement and CD received confirming funding date of 08/27/25. | Funded C A |
| 900001926 | XXXX | 1133674 | 08/29/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | No Affiliated Business Disclosure or FACTS sheet located in loan file for (redacted) to determine if lender of record has affiliates. If lender has no affiliates an attestation on company letterhead may be provided. | 09/02/2025 | Verified credit history - Required FICO of 700 with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted). ; Low DTI - Maximum DTI of 45% with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 09/02/2025 Recd seller attestation that the lender has no affiliated business relationships to disclose, thus no abd required. - 09/02/2025 Recd seller attestation that the lender has no affiliated business relationships to disclose, thus no abd required. | Funded C A |
| 900001943 | XXXX | 1134632 | 09/02/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated xx/xx/xx pg xxx disclosed Estimated Taxes, Insurance, and Assessments of ($) with estimated costs over 1 year of ($). Actual estimated taxes insurance and assessments ($) with costs over 1 year of ($) (11 mths). |  | Verified credit history - Required FICO of 700 with actual FICO of 740. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 15 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.87%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/05/2025 EV2/B Post Closing Corrective Action - PC CD and LOE to borrower received. | Funded C B |
| 900001943 | XXXX | 1135500 | 09/04/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | 8.01% DTI Variance- Review DTI 48.31%, Approved DTI 40.299%. Variance is due to subject taxes and insurance. 1008 reflects lender only used ($) for each. Actual taxes ($)/ Ins ($). Borrower does qualify for extended DTI up to 50% | 09/05/2025 | Verified credit history - Required FICO of 700 with actual FICO of 740. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 15 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.87%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/05/2025 Updated 1008 received. Lender final DTI 48.32%. - 09/05/2025 Updated 1008 received. Lender final DTI 48.32%. | Funded C A |
| 900001937 | XXXX | 1135247 | 09/03/2025 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 1 | Closed | Loan file contains Affidavit terminating Joint Tenancy (PDF p.xxx). Borrower's spouse passed in (redacted) per executed affidavit. Death certificate referenced as attachment to affidavit is missing. Lender to provide copy of Death Certificate for (redacted). | 09/09/2025 | Verified credit history - Required FICO of 700 with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted). ; Low DTI - Maximum DTI of 45% with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 09/09/2025 Recd death certificate. - 09/09/2025 Recd death certificate. | Funded C A |
| 900001956 | XXXX | 1136060 | 09/05/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | LENDER ACKNOWLEDGED EXCEPTION - The subject loan was approved with a loan amount of (redacted). The GL's p.x shows the minimum loan amount is ($). Lender acknowledged exception for the loan amount on pages x to x with (redacted) approving the exception request. GL p.x states exceptions are considered on a case-by-case basis when compensating factors exist to offset the risk. Prior approval from (redacted) is required. |  | Verified credit history - Required FICO of 700 with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted). ; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 09/09/2025 EV2/B Investor acknowledged exception | Funded C B |
| 900001977 | XXXX | 1136137 | 09/05/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | No Affiliated Business Disclosure or FACTS sheet located in file for (redacted). If lender has no affiliates an attestation on company letterhead may be provided. | 09/11/2025 | Verified credit history - Required FICO of 700 with actual FICO of 784. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 21 months.; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 60.81%. ; |  | 09/11/2025 Attestation that lender has no affiliates received. - 09/11/2025 Attestation that lender has no affiliates received.<br>09/11/2025 Please provide an attestation from the lender on Company letterhead that attests to no affiliates. If Plaza verifies that the Correspondent has no affiliates in the approval process, the attestation from Plaza is acceptable. | Funded C A |
| 900001946 | XXXX | 1136425 | 09/08/2025 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing VVOE from employer (redacted) dated w/in 10 days of the Note date xx/xx/xx. | 09/11/2025 | Verified credit history - Required FICO of 700 with actual FICO of 705. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 10 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 78.83; |  | 09/11/2025 WVOE completed xx/xx/xx received. - 09/11/2025 WVOE completed 08/20/25 received. | Funded C A |
| 900001946 | XXXX | 1136722 | 09/08/2025 | Credit | Missing Paystub(s) | CRED 0136 | 1 | Closed | Missing YTD pay stubs covering 30 days and/or WVOE from (redacted)to verify Base income of ($) and bonus income of ($) used to qualify. Only the xxxx/xxxx Wage and Income transcripts were provided. Final DTI is pending. | 09/11/2025 | Verified credit history - Required FICO of 700 with actual FICO of 705. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 10 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 78.83; |  | 09/11/2025 Pay stubs and WVOE received. - 09/12/2025 Pay stubs and WCOE received. | Funded C A |
| 900001946 | XXXX | 1136723 | 09/08/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing documentation to verify monthly pension of ($) used to qualify. Final DTI is pending. | 09/11/2025 | Verified credit history - Required FICO of 700 with actual FICO of 705. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 10 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 78.83; |  | 09/11/2025 Verification of retirement benefits received. (See attachments with CRED 0068.) - 09/12/2025 Verification of retirement benefits received. (See attachments with CRED 0068.) | Funded C A |
| 900001957 | XXXX | 1136358 | 09/07/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated xx/xx/xxxx (Page xxx) does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified credit history - Required FICO of 700 with actual FICO of 783. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 21 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 68.67%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | Client: EV2/B Non-Material | Funded C B |
| 900001954 | XXXX | 1137425 | 09/10/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | All borrower(s) on the first mortgage note are not the same as the borrower(s) on the second mortgage note. LRCP exception in file xxx-xxx |  | Verified credit history - Required FICO of 700 with actual FICO of 727. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 26 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80.02%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.96%.; Disposable Income - The loan has residual income of ($) monthly.; |  | Client: Investor Acknowledged Exception | Funded C B |
| 900001963 | XXXX | 1137432 | 09/10/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing Lender Loan Approval with date of approval. Unsigned 1008 provided in file (pg x). | 09/11/2025 | Verified housing payment history - 88 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 62.81%, maximum of 85% allowed per guidelines. ; Verified credit history - 779 qualifying credit scores, minimum required of 680. No derogatory credit. ; |  | 09/11/2025 Lender loan approval received. - 09/11/2025 Lender loan approval received. | Funded C A |
| 900002001 | XXXX | 1137010 | 09/09/2025 | Compliance | Unacceptable Loan Originator Compensation | COMP 0031 | 1 | Closed | Missing evidence credit report fee of (redacted) paid to the 3rd party and not the broker as shown on CD issued (redacted). | 09/18/2025 | Verified housing payment history - (redacted) months of mortgage history paid (redacted), verified per credit report.; Verified credit history - (redacted) qualifying credit score, minimum required of (redacted). No derogatory credit. ; Verified reserves - (redacted) months of PITI reserves required. Verified PITI reserves from proceeds of (redacted) months.; |  | 09/18/2025 Recd the final dry funding CD. - 09/18/2025 Recd the final dry funding CD. | Approved C |
| 900002001 | XXXX | 1137582 | 09/10/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing Lender Loan Approval with date of approval. Unsigned (redacted) provided in file. | 09/11/2025 | Verified housing payment history - (redacted) months of mortgage history paid (redacted), verified per credit report.; Verified credit history - (redacted) qualifying credit score, minimum required of (redacted). No derogatory credit. ; Verified reserves - (redacted) months of PITI reserves required. Verified PITI reserves from proceeds of (redacted) months.; |  | 09/11/2025 Lender loan approval received. - 09/11/2025 Lender loan approval received. | Approved C |
| 900002001 | XXXX | 1137617 | 09/10/2025 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 1 | Closed | Missing (redacted) filing extension for (redacted) return in the name of (redacted). | 10/03/2025 | Verified housing payment history - (redacted) months of mortgage history paid (redacted), verified per credit report.; Verified credit history - (redacted) qualifying credit score, minimum required of (redacted). No derogatory credit. ; Verified reserves - (redacted) months of PITI reserves required. Verified PITI reserves from proceeds of (redacted) months.; |  | 10/03/2025 Recd (redacted) extension to file (redacted) return. - 10/03/2025 Recd 1120S extension to file 2024 return. | Approved C |
| 900002001 | XXXX | 1137618 | 09/10/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | 1) Missing (redacted) YE P&L and Balance Sheet for (redacted). Only (redacted) YTD P&L/Balance Sheet provided. Unable to accurately calculate income without (redacted) tax returns or P&L. <br>2) Additional (redacted) entity listed on (redacted), (redacted). Loss from (redacted) (redacted) returns included. Loss increased from (redacted) to (redacted). Missing YE (redacted) and YTD (redacted) P&L confirming that losses are not continuing to increase in (redacted) and (redacted). |  | Verified housing payment history - (redacted) months of mortgage history paid (redacted), verified per credit report.; Verified credit history - (redacted) qualifying credit score, minimum required of (redacted). No derogatory credit. ; Verified reserves - (redacted) months of PITI reserves required. Verified PITI reserves from proceeds of (redacted) months.; |  | 10/03/2025 EV2/B - Recd post-consummation dated 2024 P&L and Balance Sheet. LOE presented 9/26 addressed part 2 of the exception, LLC ceases to exist. <br> 09/26/2025 LOE received from borrower that operations for XXXX ceased operations and is no longer active after 12/31/24. <br> \*\* Finding remains Missing 2024 YE P&L and Balance Sheet for Wynn Medical Center. Only 2025 YTD P&L/Balance Sheet provided (pg 260). Unable to accurately calculate income without 2024 tax returns or P&L. | Approved C B |
| 900001973 | XXXX | 1136949 | 09/09/2025 | Compliance | Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 | TRID 0089 | 2 | Acknowledged | TPR audit calculated PFC fees as ($) - including Sec H fees totaling ($). Lender PFC calculations per Compliance Ease report in file (PDF p.xxx) are listed as ($) - which does not include Sec H fees (($) Mortgage Satisfaction Tracking and ($) Tech Fee). Lender to cure PFC fail and provide borrower reimbursement, PCCD, and proof of delivery to borrower. --The disclosed finance charge (($)) is (($)) below the actual finance charge (($)). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1)<br>|  | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 51 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 68.49%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/24/2025 EV2/B Post Closing Corrective Action - Confirmed w/counsel that the amount refunded of the actual fees causing the under disclosure is sufficient as the the fee variance of $14.10 is below the $35 threshold for a rescindable transaction. <br>09/23/2025 09/23/25 PC CD received with lender credit, refund check of $72.50, LOE to borrower, and tracking.<br>\*\* Finding remains Reimbursement of $72.50 is insufficient to cover the under disclosure of $86.60. | Funded C B |
| 900001973 | XXXX | 1137762 | 09/11/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Guidelines pg.x require wage and income transcripts for the year(s) of qualifying income. The file contains the xxxx and xxxx W2's for the primary job with (redacted) and the xxxx W2 for the 2nd job with (redacted). The file is missing the IRS W2 transcripts for xxxx for both jobs. | 09/15/2025 | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 51 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 68.49%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/15/2025 xxxx transcripts received. - 09/15/2025 2024 transcripts received. | Funded C A |
| 900001939 | XXXX | 1137798 | 09/11/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing xxxx transcripts to support the xxxx W2s. Guidelines require transcripts for all years considered. The borrower works two jobs, two year history required. | 09/15/2025 | Verified employment history - The borrower has been with both current employers 5+ years.; Verified reserves - No reserves required, 10.69 months reserves or ($) received from cash out proceeds.; Low LTV/CLTV/HCLTV - CLTV 46.52%, up to 75% acceptable; |  | 09/15/2025 xxxx wage & income transcripts received. - 09/16/2025 2023 wage & income transcripts received. | Funded C A |
| 900001940 | XXXX | 1137096 | 09/09/2025 | Credit | Missing Initial 1003 Application | APP 0003 | 1 | Closed | Initial application executed by loan originator not in file. | 09/15/2025 | Verified credit history - Required FICO of 700 with actual FICO of 712. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 74.47%. ; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/15/2025 LO executed initial 1003 received. - 09/15/2025 LO executed initial 1003 received. | Funded C A |
| 900001978 | XXXX | 1137670 | 09/10/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Final CD dated xx/xx/xx Disclosed Estimated Taxes, Insurance & Assessments of ($) with Estimated Property Costs over Year 1 of ($) (11 mths). Review Calculated Taxes, Insurance & Assessments of ($) with Estimated Property Costs over Year 1 of ($) (11 mths). (xxxx taxes ($) pg xxx / HOI ($) pg xxx) | 09/16/2025 | Verified credit history - Required FICO of 700 with actual FICO of 748. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 28 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 77.84%. ; Low DTI - Maximum DTI of 45% with review DTI of 32.08%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/16/2025 Agree w/lender response, TPR error. - 09/16/2025 Agree w/lender response, TPR error. | Funded C A |
| 900001978 | XXXX | 1137683 | 09/10/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Verified credit history - Required FICO of 700 with actual FICO of 748. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 28 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 77.84%. ; Low DTI - Maximum DTI of 45% with review DTI of 32.08%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/15/2025 No Remediation required. Finding is EV2/B. | Funded C B |
| 900001987 | XXXX | 1137403 | 09/10/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 2 | Acknowledged | Right to cancel is (redacted) which is the same days as disbursement date per final CD dated (redacted). Settlement statement requested to verify the the actual disbursement date. Corrected final CD may be required. |  | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 39 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Low DTI - Maximum DTI of (redacted) with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 09/19/2025 EV2/B - Recd PCCD and cover letter, CD updated to correct disbursement date, reduced title fees, and cash to borrower to match the final settlement statement. No restitution required, thus US Mailbox Rule can be applied. - 09/19/2025 EV2/B - Recd PCCD and cover letter, CD updated to correct disbursement date, reduced title fees, and cash to borrower to match the final settlement statement. No restitution required, thus US Mailbox Rule can be applied.<br>09/18/2025 Recd final settlement statement confirming disbursement on 9/3. The cash to borrower on the 9/17 PCCD of $101,751.58 does not match to the settlement statement cash to borrower of $102,040.58.<br>09/17/2025 Recd the same final settlement statement previously presented that reflects a disbursement date of 9/2 with funds to borrower of $102,014.69. Included is a PCCD dated 9/17 that reflects a disbursement date 9/3 with funds to borrower $101,751.58. Missing final settlement statement from the settlement agent that supports the changes disclosed on the PCCD.<br>09/16/2025 The loan disbursed on 09/02/25. ROR expired 09/02/25, earliest funding/disbursement date would have been 09/03/25. Recession to be re-opened and the borrower given the proper 3 days. Copy of new ROR and proof of delivery required.<br>09/16/2025 Final settlement statement received confirmed that the loan disbursed on 09/02/25. ROR expired 09/02/25, earliest funding/disbursement date would have been 09/03/25. Recession to be re-opened and the borrower given the proper 3 days. Copy of new ROR and proof of delivery required. | Funded C B |
| 900001987 | XXXX | 1137414 | 09/10/2025 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing ABD no facts disclosure found in file. If lender has no affiliates an attestation may be provided on company letterhead. | 09/16/2025 | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 39 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Low DTI - Maximum DTI of (redacted) with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 09/16/2025 FACTS disclosures received confirming (redacted) has no affiliates. - 09/16/2025 FACTS disclosures received confirming Nations Direct has no affiliates. | Funded C A |
| 900001987 | XXXX | 1137415 | 09/10/2025 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Missing Homeownership Counseling Disclosure. | 09/15/2025 | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 39 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Low DTI - Maximum DTI of (redacted) with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 9/15 - Homeownership Counseling Disclosure provided. Finding cleared. - 09/19/2025 9/15 - Homeownership Counseling Disclosure provided. Finding cleared. | Funded C A |
| 900001987 | XXXX | 1137428 | 09/10/2025 | Compliance | Missing Intent to Proceed | TRID 0130 | 1 | Closed | Missing Intent to Proceed. | 09/16/2025 | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 39 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Low DTI - Maximum DTI of (redacted) with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 09/16/2025 ITP executed (redacted) received. - 09/16/2025 ITP executed 08/05/25 received. | Funded C A |
| 900001987 | XXXX | 1138314 | 09/12/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 1 | Closed | Missing copy of the final settlement statement to verify the actual disbursement date. CD in file reflects that the loan disbursed on (redacted) which is the date the ROR expired. | 09/16/2025 | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 39 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Low DTI - Maximum DTI of (redacted) with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 09/16/2025 Final settlement statement received confirming the loan disbursement date of (redacted). - 09/16/2025 Final settlement statement received confirming the loan disbursement date of 09/02/25. | Funded D A |
| 900001965 | XXXX | 1138121 | 09/12/2025 | Credit | Missing or Incomplete 4506-T/4506-C | CRED 0095 | 1 | Closed | Missing executed 4506-C for borrower 2, who qualified on W2 income. The file includes transcripts and the taxpayer consent form, but not the executed 4506-C form. | 09/17/2025 | Verified reserves - No reserves required, the borrowers will be receiving (redacted) months reserves or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; Low LTV/CLTV/HCLTV - CLTV (redacted), up to (redacted) acceptable.; |  | 09/17/2025 Recd 4506C signed by B2 at closing. - 09/17/2025 Recd 4506C signed by B2 at closing. | Funded C A |
| 900002016 | XXXX | 1138329 | 09/12/2025 | Compliance | Prior Loan Estimate Sent Method Not In Person and No Received Date | TRID 0016 | 1 | Closed | Missing the disclosure tracking to verify the receipt date of the LE issued (redacted). | 09/30/2025 | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - Required (redacted) months of reserves with verified liquid assets of (redacted) months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Low DTI - Maximum DTI of (redacted) with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 09/30/2025 Finding is cleared with the attached borrower signed LE (redacted). - 09/30/2025 Finding is cleared with the attached borrower signed LE (8/27).<br>09/19/2025 The issue in question is not related to the esign consent. The issue is that there is a timing violation using the mail box rule for the LE issued 08/27/25. The disclosure tracking is required to verify the date that the borrower viewed and/or esigned the document.<br>09/17/2025 Attached eSign Process Summary is for the initial disclosure package dated 8/22. Missing is evidence of delivery to borrower of the LE issued 8/27. | Funded C A |
| 900002016 | XXXX | 1138556 | 09/15/2025 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 2 | Acknowledged | The 1003 lists an employer name of New Employer for the borrower with no employment information or salary. Borrower appears to be retired. |  | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - Required (redacted) months of reserves with verified liquid assets of (redacted) months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Low DTI - Maximum DTI of (redacted) with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  | 09/17/2025 EV2/B Non-Material, no further action by seller required. | Funded C B |
| 900001981 | XXXX | 1138499 | 09/15/2025 | Credit | Discrepancy between 1003 and documentation stated and/or verified in file | APP 0006 | 1 | Closed | The signed final 1003 p.xxx lists an asset with (redacted) sav #xxxx with balance of ($). The 1008 p.xx also lists a verified asset of ($). The file is missing any asset documentation for (redacted) sav #xxxx. | 09/24/2025 | Verified credit history - Required FICO of 700 with actual FICO of 712. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.58%. ; Low DTI - Maximum DTI of 45% with review DTI of 37.29%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/24/2025 Bank statement received. - 09/24/2025 Bank statement received. | Funded C A |
| 900001981 | XXXX | 1138500 | 09/15/2025 | Credit | Unacceptable Mortgage History | CRED 0001 | 1 | Closed | Missing most recent 12 mths mortgage history for the 1st lien (redacted) A/# ending in xxxx. Account was in the name of the borrowers deceased spouse only. Only 3 statements for xx/xx/xx (pg xxx) xx/xx/xx (pg xxx), xx/xx/xx (pg xxx) provided for review. | 09/26/2025 | Verified credit history - Required FICO of 700 with actual FICO of 712. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.58%. ; Low DTI - Maximum DTI of 45% with review DTI of 37.29%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/26/2025 (redacted) servicing print out covering xx/xx-xx/xx received. History verified 0x30. - 09/26/2025 PMC servicing print out covering 08/24-08/25 received. History verified 0x30. | Funded C A |
| 900001981 | XXXX | 1138501 | 09/15/2025 | Credit | Unacceptable Credit History | CRED 0009 | 1 | Closed | Missing documentation to verify the student loan monthly payments reflected on the final 1003 used to qualify. The signed final 1003 p.xxx, xxx list 4 student loans with (redacted) showing monthly payments of ($), ($), ($) and ($). The credit report p.xx shows the 4 student loans with no payments reflected. | 09/24/2025 | Verified credit history - Required FICO of 700 with actual FICO of 712. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.58%. ; Low DTI - Maximum DTI of 45% with review DTI of 37.29%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/24/2025 Documentation received to verify borrower is currently enrolled in an Income-Driven Repayment (IDR) plan, specifically the (redacted)program. His required monthly payment is ($), and he is not required to recertify until xx/xx. Lender used conservative amount as no payment is currently due.<br>- 09/24/2025 Documentation received to verify borrower is currently enrolled in an Income-Driven Repayment (IDR) plan, specifically the Saving on a Valuable Education (SAVE) program. His required monthly payment is $0, and he is not required to recertify until 06/26. Lender used conservative amount as no payment is currently due. | Funded C A |
| 900002028 | XXXX | 1138508 | 09/15/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing most recent (redacted) months of business bank statements to confirm borrower maintains separate accounts as required for Personal Bank Statement loans. No LOE in addressing business statements in file. Lender did apply (redacted) expense factor. | 09/18/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; |  | 09/18/2025 Recd response from investor, We would not consider this an exception. This would fall into the comingled account category which would qualify as a business bank statement loan. - 09/18/2025 Recd response from investor, We would not consider this an exception. This would fall into the comingled account category which would qualify as a business bank statement loan. <br>09/17/2025 Recd LOE stating, I do not maintain a separate business bank account at this time; all business-related funds<br>are deposited directly into my personal account. -- Finding remains. Missing investor acknowledgment waiving the requirement for 2 months business bank statements. | Approved C |
| 900002028 | XXXX | 1138509 | 09/15/2025 | Credit | Missing CPA Letter | CRED 0138 | 2 | Acknowledged | (redacted) letter does not disclose the borrower's percentage of ownership or how long the borrower has been self-employed. |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; |  | 09/19/2025 Partially agree, the borrower and (redacted) acknowledged the existence of an (redacted), (redacted), for tax purposes, but percentage of ownership was not provided. TPO pulled SOS search which reflects the business as inactive as of (redacted). How the business is operating must be determined. - 10/15/2025 EV2/B - Finding is downgraded with the attached post-consummation dated CPA letter confirming borrower is 100% of the Schedule C business.<br>10/03/2025 CPA letter conflicts with the attached posted rebuttal. The CPA states SCorp is used for tax purposes and makes no indication that the borrower is filing Schedule C under their individual name. Missing CPA letter/email addressing how the business is operating and borrowers percentage of ownership.<br>09/19/2025 Partially agree, the borrower and CPA acknowledged the existence of an S-Corp, Terpstra Insurance, for tax purposes, but percentage of ownership was not provided. TPO pulled SOS search which reflects the business as inactive as of 10/17/2021. How the business is operating must be determined.<br>09/17/2025 Recd license information confirming the borrowers license status since 10/02/2024 < 12 months. -- Finding remains. Missing CPA letter confirming percentage of ownership and number of years self-employed. | Approved C B |
| 900001982 | XXXX | 1137834 | 09/11/2025 | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Missing final lender approval. File includes an unsigned 1008 and Commitment Letters but the Commitment Letters do not match the final interest rate of (redacted). | 09/25/2025 | Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; |  | 09/25/2025 Recd underwriting conditional approval. - 09/25/2025 Recd underwriting conditional approval.<br>09/18/2025 Recd 1008. Missing the lender's loan approval / UW decision. | Funded C A |
| 900001982 | XXXX | 1137858 | 09/11/2025 | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Final CD dated (redacted) disclosed Estimated Taxes, Insurance, and Assessments of (redacted) w/Estimated property costs over year 1 of (redacted) (12 mths). Review calculated Estimated Taxes, Insurance, and Assessments of (redacted) w/Estimated property costs over year 1 of (redacted). (Taxes $(redacted) / (redacted) HOI (redacted) |  | Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; |  | 09/18/2025 EV2/B - Recd PCCD and cover letter. US Mailbox Rule to be applied. | Funded C B |
| 900001982 | XXXX | 1137859 | 09/11/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | APR decreased on interim and final CD by more than .125 from the initial CD.<br>APR initial CD (redacted) 8.089% <br>APR interim CD (redacted) 7.832% <br>APR Final CD (redacted) 7.829% |  | Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; |  | 09/18/2025 EV2/B APR decreased, benefit to borrower. No further action required by seller. | Funded C B |
| 900001980 | XXXX | 1137927 | 09/11/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing legal description on exhibit A from the Deed of Trust. | 09/16/2025 | Verified reserves - No reserves required due to LTV < (redacted). Verified reserves from proceeds of (redacted). ; Verified housing payment history - (redacted) months of mortgage history paid 0x30, verified per credit report. ; |  | 09/16/2025 Recd copy of DOT with Exhibit A included. - 09/16/2025 Recd copy of DOT with Exhibit A included. | Funded C A |
| 900001980 | XXXX | 1137928 | 09/11/2025 | Compliance | Missing Notary on Mortgage/DOT | DEED 0022 | 1 | Closed | Missing page x of the Deed of Trust. Unable to verify the NMLS IDs on the document are correct, and unable to verify if and when the document was notarized. | 09/17/2025 | Verified reserves - No reserves required due to LTV < (redacted). Verified reserves from proceeds of (redacted). ; Verified housing payment history - (redacted) months of mortgage history paid 0x30, verified per credit report. ; |  | 09/17/2025 Recd recorded copy of the DOT that includes the notary page for B2 signature. - 09/17/2025 Recd recorded copy of the DOT that includes the notary page for B2 signature.<br>09/17/2025 Recd recorded copy of the DOT that includes the notary page for B2 signature.<br>09/16/2025 DOT presented DEED 0022 - Finding remains. Notary stamp is for borrower on 8/22. NBS signed separately on 8/23, but there is no notary acknowledgement for that day. | Funded C A |
| 900002013 | XXXX | 1139129 | 09/16/2025 | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | The file is missing documentation to verify the monthly HOA fee for (redacted). The signed final 1003 REO section lists an investment property at (redacted) with (redacted) in the HOI, Taxes and HOA box. The mortgage statement shows the payments is escrowed. The file contains a letter from the borrower stating the monthly HOA fee is (redacted). The file is missing documentation to verify the monthly HOA fee for (redacted). | 09/18/2025 | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - Required (redacted) months of reserves with verified liquid assets of (redacted) months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Disposable Income - The loan has residual income of(redacted) monthly.; |  | 09/18/2025 Finding is cleared with the attached HOA transaction history. - 09/18/2025 Finding is cleared with the attached HOA transaction history. | Approved C |
| 900001976 | XXXX | 1139031 | 09/16/2025 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing the PUD Rider to go with the Texas Home Equity Security Instrument (pg xx). | 09/24/2025 | Verified credit history - Required FICO of 700 with actual FICO of 806. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 42 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 58.83%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.37%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/24/2025 PUD Rider received. - 09/24/2025 PUD Rider received. | Funded C A |
| 900001976 | XXXX | 1139037 | 09/16/2025 | Compliance | Right of Rescission is not executed by Title Holder(s) | ROR 0004 | 1 | Closed | Missing Notice of Right to Cancel executed by (redacted) | 09/24/2025 | Verified credit history - Required FICO of 700 with actual FICO of 806. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 42 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 58.83%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.37%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/24/2025 ROR executed by B2 xx/xx/xx received. - 09/24/2025 ROR executed by B2 08/25/25 received. | Funded C A |
| 900001976 | XXXX | 1139103 | 09/16/2025 | Compliance | Notice Concerning Extension of Credit Disclosure is Missing | TXEQ 0001 | 1 | Closed | Notice Concerning Extension of Credit Disclosure (PDF p. xxx) is not executed by borrowers. | 09/24/2025 | Verified credit history - Required FICO of 700 with actual FICO of 806. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 42 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 58.83%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.37%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/24/2025 TX 12 day disclosure executed by borrowers xx/xx/xx received. - 09/24/2025 TX 12 day disclosure executed by borrowers 08/04/25 received. | Funded C A |
| 900001976 | XXXX | 1139104 | 09/16/2025 | Compliance | Fair Market Value Disclosure not provided or executed by Title Holders or Lender | TXEQ 0011 | 1 | Closed | Fair Market Value Disclosure (PDF xxx) is not signed by lender. | 09/24/2025 | Verified credit history - Required FICO of 700 with actual FICO of 806. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 42 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 58.83%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.37%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/24/2025 Fair Market Value Disclosure executed by lender received. - 09/24/2025 Fair Market Value Disclosure executed by lender received. | Funded C A |
| 900001976 | XXXX | 1139105 | 09/16/2025 | Compliance | Missing TX Home Equity Affidavit and Agreement | TXEQ 0019 | 1 | Closed | TX Home Equity Affidavit and Agreement located is missing. | 09/24/2025 | Verified credit history - Required FICO of 700 with actual FICO of 806. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 42 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 58.83%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.37%.; Disposable Income - The loan has residual income of ($) monthly.; |  | 09/24/2025 TX Home Equity Affidavit and Agreement received. - 09/24/2025 TX Home Equity Affidavit and Agreement received. | Funded C A |
| 900002023 | XXXX | 1139748 | 09/18/2025 | Compliance | Notice Concerning Extension of Credit Disclosure is Missing | TXEQ 0001 | 1 | Closed | Missing executed (redacted) Notice Concerning Extension of Credit Disclosure. | 09/25/2025 |  |  | 09/25/2025 Recd borrower signed (redacted) Notice Concerning Extension of Credit Disclosure. - 09/25/2025 Recd borrower signed TX Notice Concerning Extension of Credit Disclosure. | Approved C |
| 900002023 | XXXX | 1139750 | 09/18/2025 | Compliance | Texas 50(a)(6) Loan Fees Exceed the Permissible Fee Limitation. | TXEQ 0023 | 1 | Closed | Fee total of (redacted) > (redacted) allowable based on (redacted) of the principal balance. Lender's (redacted) report in file was not summitted with final CD, submission CD (redacted) with final CD issued (redacted). Loan file is missing documented par rate (rate available at no cost to borrower), thus unable to confirm if any portion of the loan discount is excludable. | 10/17/2025 |  |  | 10/17/2025 Bonafide discount confirmed which can be excluded under (redacted) Constitution. - 10/17/2025 Bonafide discount confirmed which can be excluded under TX Constitution. <br>10/14/2025 Received snippet from the lenders mavent report reflecting a bonafide discount of $950 being excluded. -- Finding remains. Missing rate sheet reflecting the par rate (rate at no cost to borrower) and rate borrower chose with cost to borrower.<br>09/30/2025 Difference between the review and lender report is the loan discount fee of $3305. Loan file is missing documented par rate (rate available at no cost to borrower), thus unable to confirm if any portion of the loan discount is excludable.<br>09/25/2025 Attached Mavent report was submitted using the interim CD. Missing lender's compliance report submitted using the final CD issued 9/4. | Approved C |
| 900002023 | XXXX | 1140094 | 09/19/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Exception in file for Rural Property approved (redacted) |  |  |  | 09/19/2025 EV2/B - Investor acknowledged exception in file. No further action from seller required. | Approved C B |
| 900002023 | XXXX | 1140704 | 09/24/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 1 | Closed |  | 10/17/2025 |  |  |  | Approved C |
| 900001979 | XXXX | 1140327 | 09/22/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Missing appraiser's executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. |  |  |  | Client: EV2/B Non-Material | Funded C B |
| 900002024 | XXXX | 1140318 | 09/22/2025 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Initial Application for B2 is not in file. | 10/27/2025 |  |  | 10/27/2025 Copy of the initial 1003 executed by B2 at closing on (redacted) received. - 10/27/2025 Copy of the initial 1003 executed by B2 at closing on 09/08/25 received.<br>10/09/2025 Received a copy of the final 1003s dated 9/8/2025. Missing is a copy of B2's initial 1003.<br>09/26/2025 Copy of initial application when B2 was added is still required. | Funded C A |
| 900002024 | XXXX | 1140665 | 09/23/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing (redacted) and (redacted) (redacted) transcripts to validate (redacted) income used to qualify for B2. Only the Wage & Income transcripts were documented in the loan file. | 10/28/2025 |  |  | 10/28/2025 10/24/25 (redacted)Transcripts received. - 10/28/2025 10/24/25 2023/2024 1040 Transcripts received.<br>10/14/2025 Copies of the borrower's most recent two years 1099's were not provided in file. Borrower was qualified using 1040 Schedule C income, thus two years tax transcripts are required. <br>10/03/2025 Wage transcripts are insufficient to satisfy the finding. Tax return transcripts are required for self-employed borrowers.<br>09/26/2025 Duplicate copy of 2024 Wage & Income transcripts received.<br>\*\* Finding remains Missing 2023 and 2024 1040 transcripts to validate Sch C income used to qualify for B2. | Funded C A |
| 900001992 | XXXX | 1140773 | 09/24/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing (redacted) letter or complete copy of the Articles of Organization with copy of change of Registered Agent to verify borrower is 100% owner of (redacted). | 09/25/2025 |  |  | 09/25/2025 State issued business license in file grants authority to borrower to operate the business. The license was issued (redacted) and is valid through (redacted). - 09/25/2025 State issued business license in file grants authority to borrower to operate the business. The license was issued 7/11/2022 and is valid through 1/31/2027. | Funded C A |
| 900001986 | XXXX | 1141065 | 09/25/2025 | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 1 | Closed | Dwelling Coverage of (redacted) < (redacted) 1st + 2nd Liens. | 09/29/2025 | Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; Verified credit history - (redacted) Middle Credit Score > (redacted) Min Required.; |  | 09/29/2025 EOI notes dwelling coverage is based on an estimate of the cost to rebuild the home, coverage A + other structures > RCE. - 09/29/2025 EOI notes dwelling coverage is based on an estimate of the cost to rebuild the home, coverage A + other structures > RCE. | Funded C A |
| 900001995 | XXXX | 1141070 | 09/25/2025 | Compliance | Loan was not properly executed by the guarantor(s) and the trustee | TRST 0002 | 1 | Closed | Missing executed and notarized Certification of Trust. | 10/03/2025 | Low LTV/CLTV/HCLTV - (redacted) LTV/CLTV w/a max allowed of (redacted).; Verified credit history - (redacted) fico w/a minimum requirement of (redacted).; |  | 10/03/2025 Finding is cleared with the attached executed copy of the certification of trust. - 10/03/2025 Finding is cleared with the attached executed copy of the certification of trust. | Approved C |
| 900002010 | XXXX | 1141174 | 09/26/2025 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 1 | Closed | Missing initial 1003 executed by the LO. (Neither the initial or final was executed). | 10/01/2025 |  |  | 10/01/2025 LO executed 1003 received. - 10/01/2025 LO executed 1003 received. | Funded C A |
| 900002015 | XXXX | 1141160 | 09/26/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Missing business narrative for self-employed bank statement loan. |  |  |  | 10/08/2025 EV2/B - Investor Acknowledged Exception<br>09/30/2025 Disagree, business narrative requirement is listed under general criteria. Per guidelines, General Criteria:<br>Provide a signed written business narrative. Must include:<br>Description of business operation<br>Primary products and or services<br>Who is the customer base<br>Number of full-time employees,<br>Any other information that would help determine eligible deposits | Approved C B |
| 900002005 | XXXX | 1141376 | 09/29/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Guideline exception for rural property approved with max CLTV of (redacted) and (redacted) FICO, page (redacted). |  | Low DTI - (redacted) DTI < (redacted) Max Allowed.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; |  | 09/30/2025 EV2/B - Investor Acknowledged Exception in file. | Funded C B |
| 900002004 | XXXX | 1141306 | 09/26/2025 | Compliance | Cannot Reconcile LE / CD Versioning | TRID 0137 | 1 | Closed | Tracking document and COC ((redacted) shows a revised CD issued (redacted) and received (redacted). CD issued (redacted) is not in file. | 10/02/2025 | Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; Low DTI - (redacted) DTI < (redacted) Max Allowed.; |  | 10/02/2025 Confirmed per the lender that the CD sent on (redacted) has an Issue Date of (redacted). No additional CD was provided. - 10/02/2025 Confirmed per the lender that the CD sent on 9/12 has an Issue Date of 9/15. No additional CD was provided. | Funded C A |
| 900002004 | XXXX | 1141308 | 09/26/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing documentation to support the qualifying property insurance payment of (redacted) (redacted). Reviewer calculated insurance in the amount of (redacted) per month (redacted). | 10/02/2025 | Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; Low DTI - (redacted) DTI < (redacted) Max Allowed.; |  | 10/02/2025 Updated HOI policy received. - 10/02/2025 Updated HOI policy received. | Funded C A |
| 900002019 | XXXX | 1141389 | 09/29/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Missing verification of property taxes. Title Commitment refers to attachment for taxes but attachment is not included (redacted). AVM does not state a tax amount (redacted). | 10/02/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 10/02/2025 Subject tax cert received. - 10/02/2025 Subject tax cert received. | Approved C |
| 900002019 | XXXX | 1141390 | 09/29/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD issued (redacted) (redacted) does not indicate of the borrower declined an escrow account or if the lender does not offer one. (PCCD expected for CA loan is not in file) |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 09/30/2025 EV2/B - Non-Material | Approved C B |
| 900002019 | XXXX | 1141391 | 09/29/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal Description is not attached to or contained within Mortgage (redacted). | 10/02/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 10/02/2025 Complete copy of Mortgage / DOT received. - 10/02/2025 Complete copy of Mortgage / DOT received. | Approved C |
| 900002018 | XXXX | 1141484 | 09/29/2025 | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | No Homeownership Counseling Disclosure located in loan file | 10/01/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 10/01/2025 Homeownership Counseling Disclosure issued (redacted)received. - 10/01/2025 Homeownership Counseling Disclosure issued 08/25/25 received. | Approved C |
| 900002018 | XXXX | 1141518 | 09/29/2025 | Compliance | Initial Closing Disclosure Sent Method Not In Person and No Received Date | TRID 0009 | 1 | Closed | Missing evidence of delivery to borrower of the initial CD. Timing requirement is not met with US Mailbox Rule applied. | 10/01/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 10/01/2025 Initial CD issued (redacted) received. Finding cleared upon re-submission. - 10/01/2025 Initial CD issued 09/10/25 received. Finding cleared upon re-submission. | Approved C |
| 900002038 | XXXX | 1141551 | 09/30/2025 | Credit | Final 1003 Application is Incomplete | APP 0002 | 2 | Acknowledged | B2 employment start date s/b xx/xx/xxxx instead of xx/xx/xxxx, per WVOE page x and initial 1003 pagex. |  | Verified credit history - Middle Credit Score 770 > 700 Minimum Required.; Low DTI - 32.36 DTI < 45% Max Allowed.; |  | 09/30/2025 EV2/B - Non-Material | Funded C B |
| 900002038 | XXXX | 1141553 | 09/30/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 2 | Acknowledged | Missing COC for increase in lender points on LE issued (redacted). |  | Verified credit history - Middle Credit Score 770 > 700 Minimum Required.; Low DTI - 32.36 DTI < 45% Max Allowed.; |  | 10/28/2025 EV2/ B Post-Closing Corrective Action. Verified package is on the way w/ scheduled delivery date of Wednesday 10/29/25 before 8:00 PM. Copy of refund check, LOE, PC CD provided 10/24/25.<br>10/24/2025 Copy of refund check, LOE, PC CD, and Fed-Ex tracking received. As of 10/24/25 at 2:41pm Fed-label has been created but not in transit. Pending verification of receipt of package by Fed-Ex. <br>10/03/2025 Loan Discount Increased from $11,101 on 9/4 to $11,431.20 9/8, difference is $330.20. | Funded C B |
| 900002011 | XXXX | 1141772 | 10/01/2025 | Credit | Missing copy of green card for permanent resident alien. | CRED 0122 | 1 | Closed | Missing copy of the borrowers unexpired permanent resident card. NOTE: H1B expired (redacted). | 10/07/2025 | Verified reserves - (redacted) months of verified reserves when guidelines required zero.; Low DTI - Low DTI of (redacted).; Verified employment history - Borrower has been employed as a physician with same employer for (redacted) years.; |  | 10/07/2025 Received a copy of the borrowers unexpired permanent resident card. - 10/07/2025 Received a copy of the borrowers unexpired permanent resident card. | Approved C |
| 900002022 | XXXX | 1142693 | 10/06/2025 | Compliance | Missing PUD Rider | DEED 0007 | 1 | Closed | Missing the PUD rider. | 10/09/2025 | Low LTV/CLTV/HCLTV - Low CLTV of (redacted).; Verified employment history - Borrower has been self employed for (redacted) years.; Verified occupancy in subject property - Borrower has occupied the subject property for (redacted) years.; |  | 10/09/2025 Received a copy of the executed PUD Rider. - 10/09/2025 Received a copy of the executed PUD Rider. | Approved C |
| 900002022 | XXXX | 1142694 | 10/06/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Missing Exhibit A, legal description. | 10/10/2025 | Low LTV/CLTV/HCLTV - Low CLTV of (redacted).; Verified employment history - Borrower has been self employed for (redacted) years.; Verified occupancy in subject property - Borrower has occupied the subject property for (redacted) years.; |  | 10/10/2025 Received a copy of the recorded Deed of Trust with the Exhibit A Property Description. - 10/10/2025 Received a copy of the recorded Deed of Trust with the Exhibit A Property Description.<br>10/09/2025 Received Title Commitment Exhibit A with the property description. Missing is the Exhibit A that was attached to the Deed of Trust. | Approved C |
| 900002021 | XXXX | 1142171 | 10/02/2025 | Compliance | Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing | TRID 0206 | 2 | Acknowledged | Final APR Outside Tolerance of (redacted) from APR (redacted) Business Days Prior to Closing. APR CD (redacted), APR final CD dated (redacted). APR decreased, benefit to borrower. |  | Verified reserves - (redacted) months of verified reserves when GL required (redacted) months.; Verified occupancy in subject property - Borrowers have occupied the subject property for (redacted) years.; |  | 10/03/2025 EV2/B - Decrease in the APR is a benefit to borrower. | Approved C B |
| 900002021 | XXXX | 1142540 | 10/03/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing B1 employer LOE addressing B1s annual salary. The annual salary on the WVOE of (redacted) is not supported by YTD or prior years earnings. B1s YTD base pay as of (redacted) is (redacted). | 10/10/2025 | Verified reserves - (redacted) months of verified reserves when GL required (redacted) months.; Verified occupancy in subject property - Borrowers have occupied the subject property for (redacted) years.; |  | 10/10/2025 Received lender rebuttal with prior two years year end paystubs. YTD paystubs, prior two years year end paystubs, two years W2s, and wage transcripts satisfactorily documented the income. Since the WVOE was not relied upon the finding can be cleared. - 10/10/2025 Received lender rebuttal with prior two years year end paystubs. YTD paystubs, prior two years year end paystubs, two years W2s, and wage transcripts satisfactorily documented the income. Since the WVOE was not relied upon the finding can be cleared.<br>10/07/2025 The WVOE was relied upon to calculate the commission income. Since the document was relied upon for qualifying the discrepancy noted between the base income and paystubs must be satisfactorily addressed. Employer to confirm annual salary. It is noted that the stated annual salary > base + commission income.<br>10/06/2025 Finding remains. Stated salary on the WVOE $170,000 appears to be inaccurate. The salary is is not supported by YTD or prior years earnings. Employer to confirm annual salary. | Approved C |
| 900001996 | XXXX | 1142369 | 10/03/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing rescored fraud report with all fraud findings satisfactorily addressed. Adjusted score in file is a moderate (redacted) with high risk fraud finding not addressed. | 10/06/2025 | Low LTV/CLTV/HCLTV - Low CLTV of (redacted).; Verified reserves - (redacted) Months of verified reserves when none were required based on LTV.; Verified occupancy in subject property - Borrowers have occupied the subject property for (redacted) years.; |  | 10/06/2025 Received rescored fraud report fraud report loan summary with all fraud findings cleared. - 10/06/2025 Received rescored fraud report fraud report loan summary with all fraud findings cleared. | Approved C |
| 900002020 | XXXX | 1142888 | 10/06/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated (redacted) does not indicate if the borrower declined an escrow account or if the lender does not offer one. (No PCCD in file for (redacted) loan) |  | Verified reserves - (redacted) months of verified reserves when guidelines required (redacted) months.; Verified employment history - Borrower has been self employed for (redacted) years.; Verified occupancy in subject property - Borrower has occupied the subject property for (redacted) years.; |  | 10/07/2025 EV2/B - Non-Material | Approved C B |
| 900002012 | XXXX | 1142913 | 10/06/2025 | Compliance | Missing Legal Description on Mortgage/DOT | DEED 0021 | 1 | Closed | Legal Description is not attached to or contained within Mortgage. | 10/10/2025 | Verified employment history - B1 has been employed with same employer for (redacted) years. B2 has been self employed for (redacted) years.; Verified occupancy in subject property - Borrowers have occupied the subject property for (redacted) years.; Low DTI - Low DTI of (redacted).; |  | 10/10/2025 Received copy of the recorded Deed of Trust that includes Exhibit A. - 10/10/2025 Received copy of the recorded Deed of Trust that includes Exhibit A. | Approved C |
| 900002012 | XXXX | 1142920 | 10/06/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated (redacted) does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Verified employment history - B1 has been employed with same employer for (redacted) years. B2 has been self employed for (redacted) years.; Verified occupancy in subject property - Borrowers have occupied the subject property for (redacted) years.; Low DTI - Low DTI of (redacted).; |  | 10/08/2025 EV2/B - Non-Material. | Approved C B |
| 900002031 | XXXX | 1143158 | 10/07/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing business narrative. Per guidelines, General Criteria - Provide a signed written business narrative. Must include:<br>Description of business operation<br>Primary products and or services<br>Who is the customer base<br>Number of full-time employees,<br>Any other information that would help determine eligible deposits |  | Verified reserves - 37 months of verified reserves.; Verified employment history - Borrower has been self employed owner of pizzaria for 17 years.; Verified occupancy in subject property - Borrower has occupied the subject property for 6.8 years.; |  | 10/16/2025 EV2/B Investor Acknowledged Exception - An exception has been approved for lack of business narrative.<br>10/10/2025 Received rebuttal with snippet of guidelines. Snippet does not appear to come from the guidelines used for review, LRP Closed-End Second Lien V2.3. Business narrative requirement is under income general criteria. Lenders snippet applies to business bank statement income calculation section. | Approved C B |
| 900002037 | XXXX | 1143124 | 10/07/2025 | Compliance | Initial CD Received Date is < 3 business days prior to Consummation Date | TRID 0008 | 1 | Closed | Missing Initial Closing Disclosure dated at least 3 business days prior to loan closing date of (redacted) and any interim CDs. | 10/14/2025 | Verified employment history - Borrower has been employed as a teacher for 27 years.; Verified occupancy in subject property - Borrower has occupied the subject property for 5.5 years.; |  | 10/14/2025 Received the initial CD. - 10/14/2025 Received the initial CD. | Approved C |
| 900002037 | XXXX | 1143125 | 10/07/2025 | Compliance | The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. | TRID 0205 | 2 | Acknowledged | Final CD dated (redacted) has a title service fee of $x that was not previously disclosed and exceeds 10% TRID tolerance. Lender to provide valid COC for addition of fee and/or tolerance cure documentation. Refer TRID 0008 - Initial and Interim CDs are missing. Final compliance test is pending missing disclosures. |  | Verified employment history - Borrower has been employed as a teacher for 27 years.; Verified occupancy in subject property - Borrower has occupied the subject property for 5.5 years.; |  | 10/20/2025 EV2/B Post-Closing Corrective Action- LOE, PC CD, copy of refund check, and UPS tracking received.<br>10/14/2025 Baseline Title / Recording Fees $540 x 110% = $594 Allowable / Actual $633, variance $39 exceeds 10% tolerance. | Approved C B |
| 900002029 | XXXX | 1143455 | 10/08/2025 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing VOE for borrowers employment with (redacted) | 10/14/2025 | Verified employment history - Borrower has been employed as a teacher for 30 years.; Verified occupancy in subject property - Borrower has occupied the subject property for 18 years.; |  | 10/14/2025 VOE dated (redacted) received, exception cleared. - 10/14/2025 VOE dated 9/17/2025 received, exception cleared. | Approved C |
| 900002029 | XXXX | 1143467 | 10/08/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing income docs. File contains (redacted) transcripts. | 10/14/2025 | Verified employment history - Borrower has been employed as a teacher for 30 years.; Verified occupancy in subject property - Borrower has occupied the subject property for 18 years.; |  | 10/14/2025 Sufficient income documentation received, exception cleared. - 10/14/2025 Sufficient income documentation received, exception cleared. | Approved C |
| 900002029 | XXXX | 1144036 | 10/10/2025 | Credit | Income Calculation Discrepancy | CRED 0084 | 1 | Closed | Missing updated 1008. Review DTI 27.78% / Approved DTI 13.89%, variance > 3%. Lender appears to have double counted the base income. 1008 reflects (redacted) monthly income, but the comments states that qualifying income was to be (redacted)/mo. Refer to CRED 0082. | 10/14/2025 | Verified employment history - Borrower has been employed as a teacher for 30 years.; Verified occupancy in subject property - Borrower has occupied the subject property for 18 years.; |  | 10/14/2025 Updated 1008 and 1003 received with corrected income and DTI. Exception cleared. - 10/14/2025 Updated 1008 and 1003 received with corrected income and DTI. Exception cleared. | Approved C |
| 900002040 | XXXX | 1143617 | 10/09/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 1 | Closed | Missing updated 1008. Approved DTI 48.013% / Review DTI 43.78%, variance > 3% due to lender double counting property costs escrowed with first lien. | 10/14/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 72.69%.; Verified occupancy in subject property - Borrower has occupied the subject property for 25 years.; |  | 10/14/2025 Updated final 1008 and 1003 received. - 10/14/2025 Updated final 1008 and 1003 received. | Funded C A |
| 900002040 | XXXX | 1143619 | 10/09/2025 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure | TRID 0195 | 1 | Closed | Missing valid COC for increase to the discount from $969 to $1,854.33. | 10/30/2025 | Low LTV/CLTV/HCLTV - Low CLTV of 72.69%.; Verified occupancy in subject property - Borrower has occupied the subject property for 25 years.; |  | 10/30/2025 LE dated 08/20/25 with COC dated 08/19/25 for customer requested changes received. Finding cleared upon re-submission. - 10/30/2025 LE dated 08/20/25 with COC dated 08/19/25 for customer requested changes received. Finding cleared upon re-submission.<br>10/28/2025 COC was seen. Additionally the corresponding LE or CD was not found either. Please provide the missing disclosure that corresponds with the 08/19/25 COC for customer requested change. | Funded C A |
| 900002042 | XXXX | 1143817 | 10/09/2025 | Property | Appraisal Discrepancy | APPR 0076 | 1 | Closed | Photo on AVM does not reflect same property in Property Condition Inspection, pages x, x. | 10/21/2025 | Verified housing payment history - 99+ months of mortgage history paid 0x30 on credit report since x.; Verified occupancy in subject property - Borrowers have occupied the subect property for 10 years.; Verified employment history - B2 has been employed as (redacted)Supervisor for 18 years.; | Recd from (redacted)- Our analytics team has provided the following information: The photo included in the AVM is a Google-generated image. After conducting a Google search and reviewing the Street View, we identified the source of the inconsistency.<br> The initial Street View displays an image from xx. However, when clicking the navigation arrow, the view shifts to a photo from xx. This discrepancy appears to stem from slight variations in the geo tags associated with the property. When using the geo coordinates for the property, Google defaults to the x image, which is what appears in the AVM as it aligns with the subject's location. Since we're unable to manually update the photo, we've omitted it from the report. Please let us know if there's anything else we can assist with. | 10/21/2025 10/21/25 LOE from (redacted) received with revised AVM with photo omitted. Explanation added to comments. - 10/21/2025 10/21/25 LOE from Clear capital received with revised AVM with photo omitted. Explanation added to comments. | Funded C A |
| 900002042 | XXXX | 1143932 | 10/10/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 1 | Closed | Missing LOX indicating (redacted) is dba or fka (redacted) per TWN page x. | 10/28/2025 | Verified housing payment history - 99+ months of mortgage history paid 0x30 on credit report since x.; Verified occupancy in subject property - Borrowers have occupied the subect property for 10 years.; Verified employment history - B2 has been employed as (redacted)Supervisor for 18 years.; |  | (redacted) Internet search for (redacted)received. Search confirms company provides payroll administration services. - 10/28/2025 Internet search for XXXX received. Search confirms company provides payroll administration services. | Funded C A |
| 900002042 | XXXX | 1143938 | 10/10/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing rescored fraud report with all fraud finding satisfactorily addressed. Fraud report in file reflects a score of x - critical risk; high fraud alerts not cleared (pg x), regarding employment, potential FC and NMLS discrepancies. | 10/16/2025 | Verified housing payment history - 99+ months of mortgage history paid 0x30 on credit report since x.; Verified occupancy in subject property - Borrowers have occupied the subect property for 10 years.; Verified employment history - B2 has been employed as (redacted)Supervisor for 18 years.; |  | xxx FraudGuard received. - 10/16/2025 FraudGuard received. | Funded C A |
| 900002034 | XXXX | 1144617 | 10/14/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing dry-funding CD. Subject is located in (redacted). Disbursement date on final CD, is (redacted) with expiration date on ROR of (redacted). | 10/16/2025 | Low LTV/CLTV/HCLTV - Low CLTV of (redacted).; Verified occupancy in subject property - Borrower has occupied the subject property for (redacted) years.; Verified reserves - (redacted) months of verified reserves when guidelines required none on extremely low CLTV.; |  | 10/16/2025 10/16/25 Final CD reflecting actual disbursement date of (redacted) received. - 10/16/2025 10/16/25 Final CD reflecting actual disbursement date of 09/29/25 received. | Approved C |
| 900002032 | XXXX | 1145371 | 10/17/2025 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Missing VOE within 10 days prior to note date. | 10/24/2025 | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 on credit report since x.; Verified occupancy in subject property - Borrower has occupied the subject property for 10 years.; |  | 10/24/2025 VVOE completed received. - 10/24/2025 VVOE completed 09/23/25 received. | Approved C |
| 900002032 | XXXX | 1145373 | 10/17/2025 | Credit | Missing Tax Transcript(s) | CRED 0091 | 1 | Closed | Missing tax transcripts. | 10/24/2025 | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 on credit report since x.; Verified occupancy in subject property - Borrower has occupied the subject property for 10 years.; |  | 10/24/2025 2024/2023 Wage and Income transcripts received. - 10/24/2025 2024/2023 Wage and Income transcripts received. | Approved C |
| 900002032 | XXXX | 1145374 | 10/17/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing all income docs: Paystubs, W2's and/or WVOE to support base income used to qualify. | 10/24/2025 | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 on credit report since x.; Verified occupancy in subject property - Borrower has occupied the subject property for 10 years.; |  | - 10/24/2025 Paystubs, 2024 W2, and 2023 W2 received. Qualifying income verified. | Approved C |
| 900002049 | XXXX | 1145300 | 10/17/2025 | Compliance | Closed-End Finance Charge Rescission Tolerance | TRID 0086 | 2 | Acknowledged | Lender Compliance Report shows the Commitment Fee paid to the Lender in the amount of (redacted) is not included in the financed charges resulting in the variance with the calculated total. -- The disclosed finance charge (redacted) is less than the actual finance charge (redacted) by (redacted). For rescission purposes, the Truth in Lending Act considers the finance charge inaccurate if it is understated by more than half of (redacted) of the note amount (redacted) or (redacted), whichever is greater. (12 CFR 1026.23(g); OSC 17(c)(2)(ii)-1) |  | Verified employment history - Borrower has been self employed for (redacted) years.; Verified occupancy in subject property - Borrower has occupied subject property for (redacted) years.; |  | 11/03/2025 EV2/B - Attached courier tracking receipt confirms delivery to borrower on 10/31 of the ROR with reopened rescission, expiration 11/3/2025. PCCD with evidence of refund was previously posted 10/27.<br>10/27/2025 Refund check in the amount of $995, LOE to borrower, PC CD, and Fed-Ex tracking received.<br>\*\*Finding remains missing evidence the recession period has been re-opened. | Funded C B |
| 900002049 | XXXX | 1145302 | 10/17/2025 | Compliance | Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 | TRID 0089 | 2 | Acknowledged | Lender Compliance Report shows the Commitment Fee paid to the Lender in the amount of (redacted) is not included in the financed charges resulting in the variance with the calculated total. -- The disclosed finance charge (redacted) is (redacted) below the actual finance charge (redacted). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than (redacted) below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) |  | Verified employment history - Borrower has been self employed for (redacted) years.; Verified occupancy in subject property - Borrower has occupied subject property for (redacted) years.; |  | 11/03/2025 EV2/B - Attached courier tracking receipt confirms delivery to borrower on 10/31 of the ROR with reopened rescission, expiration 11/3/2025. PCCD with evidence of refund was previously posted 10/27.<br>10/27/2025 Refund check in the amount of $995, LOE to borrower, PC CD, and Fed-Ex tracking received.<br>\*\*Finding remains missing evidence the recession period has been re-opened. | Funded C B |
| 900002047 | XXXX | 1145481 | 10/20/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 1 | Closed | Loan Disclosures / Escrows section of Final CD dated (redacted) does not indicate if the borrower declined an escrow account or if the lender does not offer one. | 10/24/2025 | Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Disposable Income - The loan has residual income of (redacted) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; |  | 10/24/2025 Final CD for dry funding state received indicates the lender did not offer an escrow account. - 10/24/2025 Final CD for dry funding state received indicates the lender did not offer an escrow account. | Funded C A |
| 900002047 | XXXX | 1145482 | 10/20/2025 | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Expiration Date | ROR 0009 | 1 | Closed | Missing the final settlement statement and final CD for Dry funding state. CD signed at closing was issued on (redacted) with a stated closing date of (redacted) and disbursement date of (redacted). The loan was not closed until (redacted) and the ROR was hand corrected with an expiration date of (redacted). Estimated settlement statement in file reflects disbursement date of (redacted). | 10/24/2025 | Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Disposable Income - The loan has residual income of (redacted) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; |  | 10/24/2025 Final settlement statement and CD received. Funding date of (redacted) confirmed. - 10/24/2025 Final settlement statement and CD received. Funding date of 10/16/25 confirmed. | Funded C A |
| 900002047 | XXXX | 1145633 | 10/20/2025 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 2 | Acknowledged | Review DTI of (redacted) exceeds the max allowed of (redacted). Variance is in the liabilities used to qualify. (redacted) in file does not match the final (redacted). (redacted) reflects other monthly payments of (redacted). Actual other payments (redacted). (Borrower does not meet the fico requirement for extended DTI up to (redacted)) |  | Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Disposable Income - The loan has residual income of (redacted) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; |  | 11/04/2025 Email received from investor - The DTI exception is approved. Please waive/downgrade the findings.<br>11/03/2025 Escalated to investor for review.<br>10/28/2025 10/28/25 Updated - Email received from lender: Uplift debt is reported as Celtic A/#4964 installment on the CBR. Account status is cleared/paid as agreed but reflects actual payment of $138, Balance $0, Scheduled payment $0. This debt will be excluded. Current review DTI 49.90%.<br>10/22/2025 Recd from lender: UPLIFT and GENESIS have less that 10 installment payments remaining and are excluded on final 1008 Bringing the DTI to 42.797%.<br>\*\* Finding remains, missing documentation to verify liability to Uplift as it is not reported on the credit report. Also Genesis is an auto lease. Lease payments must be considered as recurring monthly debt obligations regardless of the number of months remaining on the lease. | Funded C B |
| 900002047 | XXXX | 1145634 | 10/20/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | Acknowledged | Missing Long Run Exception Acknowledgment- (redacted) notes that an exception was granted for the husband being on this loan while both the husband and wife are on the first mortgage. |  | Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Disposable Income - The loan has residual income of (redacted) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; |  | 10/22/2025 EV2/B Investor Acknowledged Exception - LRCP Exception approved 10/06/25 received. | Funded C B |
| 900002047 | XXXX | 1145635 | 10/20/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing documentation to verify the following liabilities disclosed on the final (redacted). <br>(redacted) | 10/28/2025 | Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Disposable Income - The loan has residual income of (redacted) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; |  | 10/28/2025 Email received from lender: (redacted) debt is reported as (redacted) installment on the CBR. Account status is cleared/paid as agreed but reflects actual payment of (redacted), Balance (redacted), Scheduled payment (redacted). This debt will be excluded. - 10/28/2025 Email received from lender: Uplift debt is reported as Celtic A/#4964 installment on the CBR. Account status is cleared/paid as agreed but reflects actual payment of $138, Balance $0, Scheduled payment $0. This debt will be excluded.<br>10/22/2025 Recd from lender: UPLIFT and GENESIS have less that 10 installment payments remaining and are excluded on final 1008 Bringing the DTI to 42.797%<br>\*\*Updated 1003 received reflects the reported balance and payment for the Cap one as per the credit report. Finding remains missing documentation to verify the payments and balances for UPLFT/CB #4964 with a balance of $136 and payment of $138. This debt is not listed on the 9/23/2025 credit report.; | Funded C A |
| 900002047 | XXXX | 1145972 | 10/21/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 2 | Acknowledged | Missing the final (redacted). (redacted) in file does not match the final (redacted). (redacted) reflects other monthly payments of (redacted). Actual other payments (redacted). |  | Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Disposable Income - The loan has residual income of (redacted) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; | 10/28/25 Updated - Email received from lender: (redacted) debt is reported as (redacted) installment on the CBR. Account status is cleared/paid as agreed but reflects actual payment of (redacted), Balance (redacted), Scheduled payment (redacted). This debt will be excluded. Review total other monthly payment with updated (redacted). Current review DTI (redacted). | 11/04/2025 EV2/B - Investor Acknowledged Exception to allow DTI up to 50%.<br>11/03/2025 Escalated to investor for review.<br>10/28/2025 10/28/25 Updated - Email received from lender: Uplift debt is reported as Celtic A/#4964 installment on the CBR. Account status is cleared/paid as agreed but reflects actual payment of $138, Balance $0, Scheduled payment $0. This debt will be excluded. Current review DTI 49.90%.<br>10/22/2025 Updated 1008 and 1003 received. CapOne payment was updated per the CBR on the 1003. Lender noted that the Genesis payments were omitted due to less than 10 mths remaining. Genesis is a lease and cannot be excluded. Review DTI updated to 51.16%. | Funded C B |
| 900002036 | XXXX | 1145523 | 10/20/2025 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed | Missing copy of completed Quit Claim Deed removing Ex from title. | 10/24/2025 | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 72.44%. ; Disposable Income - The loan has residual income of $4,167.62 monthly.; Low DTI - Maximum DTI of 45% with review DTI of 35.22%.; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 33 months.; Verified credit history - Required FICO of 680 with actual FICO of 735.; |  | 10/24/2025 Copy of recorded deed received. - 10/24/2025 Copy of recorded deed received. | Approved C |
| 900002036 | XXXX | 1145524 | 10/20/2025 | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Loan Disclosures / Escrows section of Final CD dated does not indicate if the borrower declined an escrow account or if the lender does not offer one. |  | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 72.44%. ; Disposable Income - The loan has residual income of $4,167.62 monthly.; Low DTI - Maximum DTI of 45% with review DTI of 35.22%.; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 33 months.; Verified credit history - Required FICO of 680 with actual FICO of 735.; |  | Client: EV2/B Non-Material | Approved C B |
| 900002048 | XXXX | 1146785 | 10/24/2025 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. |  | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 73.07%. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 5 months.; Verified credit history - Required FICO of 680 with actual FICO of 772.; Low DTI - Maximum DTI of 45% with review DTI of 37.63%.; Disposable Income - The loan has residual income of $7,795.87 monthly.; |  | Client: EV2/ B Non-Material | Funded C B |
| 900002039 | XXXX | 1147195 | 10/28/2025 | Credit | Title Issue affecting Lien Position | TITL 0003 | 1 | Closed | The file is missing the final title policy showing our subject loan will be in second position and that the 9 judgments for child, family, or support reflected on the Preliminary Title pages xxx and xxx, #7 to #15 have been cleared/omitted. The PreClose credit report p.xxx shows the borrowers opened a new Home Improvement Mortgage debt in x/xx with (redacted). The contract for this debt p.xxx shows the security interest you are giving us in the Property comes ahead of the claim of any other general or secured creditor on p.xxx. (See TITL 0014 for details on judgments) | 10/31/2025 | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 56.43%. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 6 months.; Verified credit history - Required FICO of 680 with actual FICO of 717.; Low DTI - Maximum DTI of 45% with review DTI of 42.20%.; Disposable Income - The loan has residual income of $x monthly.; |  | 10/31/2025 Clear FTP received. - 10/31/2025 Clear FTP received. | Funded C A |
| 900002039 | XXXX | 1147196 | 10/28/2025 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | The file is missing the final title policy showing our subject loan will be in second position and that the 9 judgments for child, family, or support reflected on the Preliminary Title pages xxx and xxx, #7 to #15 have been cleared/omitted. The file is missing documentation verifying these 9 judgments are not for x. If any of them belong to x, lender to provide documentation verifying the judgments are released or if not, provide documents for the terms of these judgments. (See TITL 0003 for details on lien position) | 10/31/2025 | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 56.43%. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 6 months.; Verified credit history - Required FICO of 680 with actual FICO of 717.; Low DTI - Maximum DTI of 45% with review DTI of 42.20%.; Disposable Income - The loan has residual income of $x monthly.; |  | 10/31/2025 Clear FTP received. Document is attached to TITL 0003. - 10/31/2025 Clear FTP received. Document is attached to TITL 0003. | Funded C A |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **State** | **Lien Position** | **Loan Purpose** | **QM Designation Type** |
| XXXX | XXXX | 2 C B A | NV | 2 | Purchase | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | DE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | DE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | MT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | DE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | KS | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | ND | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | KY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AK | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | OK | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | DE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | DC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | PA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MS | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | DE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | ME | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | PA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | IA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | WV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | KY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | RI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | DE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | OK | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | KY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AK | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | LA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | SD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A | LA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | WI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | OK | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | PA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | LA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | LA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | PA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | KY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | OK | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | LA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | HI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | DC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | ME | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A B | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | WI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | KS | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | ME | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | PA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | LA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | WI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | KY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | PA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | KY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | DE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | KY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | KY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | WY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NM | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | AL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A C | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | DE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | PA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | DE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | IN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | UT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 D A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | KS | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | SC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | KY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | WI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 D B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | DE | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | PA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | TN | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CT | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | DC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | TX | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | WI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NJ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NV | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OH | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | IL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | OR | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | FL | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MD | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | ID | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | AZ | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NY | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | VA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | GA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | WI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 2 C B A | CO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 C A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MO | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | NC | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | CA | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | RI | 2 | Cash Out Refinance | Non-QM / Compliant |
| XXXX | XXXX | 1 A | MI | 2 | Cash Out Refinance | Non-QM / Compliant |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **DUMMY ID** | **Loan Number (Selling Lender)** | **Loan Status** | **Final Overall Event Level** | **Final Credit Event Level** | **Final Compliance Event Level** | **Final Property Event Level** | **Credit Exceptions** | **Compliance Exceptions** | **Property Exceptions** | **Compensating Factors** | **Immaterial/Waived** | **Lender Commentary** | **Cleared Exceptions** | **Exceptions** |
| 900000641 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Mid FICO of 737 exceeds the minimum required of 680 by 107 points.; None; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Missing documentation to verify lender property tax calculation of $xx yearly. Subject is new construction and title commitment does not reflect tax rates.-- Final CD Disclosed $xx, Review calculated $xx via Title Commitment. $xx yearly/ $xx monthly. - EV2 Final CD disclosed $xx, Lender calculation $xx (12 mths). Subject is new constructions. Lender over disclosed estimated taxes. |  | PROP 0019 FNMA/FHLMC loan with no secondary valuation to support appraised value - Missing required secondary appraisal review. FNMA UCDP Submission Summary Report dated xx/xx/xx with value of $xxx and 3.1 risk score exceeds 2.5 maximum. - 04/27/22 Updated FNMA SSR dated xx/xx/xx reflecting a risk score of 1.2 received.<br>CRED 0097 Missing Verification of Liability (Contingent or Otherwise) - Missing documentation to verify credit account has been paid in full with a $0 balance. Lender excluded payment of $xx in qualifying DTI. 1003 reflects account to be paid off at or prior to closing. Review DTI with payment included 48.05%. (Gap report dated xx/xx/xx reflects balance of #xx/pmt $xx) - 04/27/22 1st lien settlement statement and CD provided which verifies account paid at closing.<br>CRED 0093 Credit Documentation is Insufficient - Missing copy of Right to Copy of Appraisal Disclosure. - 04/26/22 Notice of Right to Copy of Appraisal Disclosure received.<br>APPR 0044 HPML Appraisal Requirements are Not Met - Missing executed certificate that appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - 05/10/22 Updated appraisal with FIREEA verbiage on pg 3 of 6 received.<br>CRED 0007 Missing Employment doc (VOE) - Missing 3rd Party verification of self employment dated w/in 30 days of the Note date. - 04/26/22 Google search and verification of active license provided. <br>GIDE 0001 Guideline Exception(s) - Missing required documents for concurrent (1st Lien). No copy of the 1st mortgage note found to verify Loan amount of $xx and payment of $xx. - 04/26/22 No copy of the 1st mortgage note received.<br>CRED 0016 Insufficient Verified Funds to Close - Total funds required to close $xx, total funds verified $xx, Short $xx. - 06/17/22 Per Investor Updated DU will not be required as this is a non agency loan.<br>05/18/22 Updated settlement statement received reflecting the lender credit of ofxx which was applied via principal reduction. Total funds to close updated to per revised statement to $xx. Total funds verified $xx (Review updated and used amount used for IRA to 70%)<br>QMATR 0014 AUS is invalid - conditions were not met - Missing copy of AUS approve/eligible to confirm loan was underwritten according to AUS requirements as required by program guidelines. Subject to re-verification and re-calculation, additional conditions may apply. \*\* Note Per guidelines "To obtain accurate DU findings on standalone transactions, enter the UPB of the first lien for "loan amount" and input the second (subject) lien loan amount in the "subordinate financing" field in the "details of transaction" section. - 05/04/22 Corrected DU findings received.<br>|  |
| 900000640 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Mid FICO of 758 exceeds the minimum required of 680 by 78 points.; Verified reserves - 35.34 months verified reserves.; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing COC for the additional of the $200 Signing Agent Fee - A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($125.00) were applied to the total fee variance of ($138.02) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance., Compensating Factors: - 7/16/2022 - Recd attestation on lenders company letterhead stating, "There was no post consummated CD issued xx/xx/xx. The subject on the email verifying the delivery of the revised ROR was incorrect and in error. No post consummated CD was issued on xx/xx/xx." \*\* Exception overridden to EV2 with PCCD issued x/xx and refund provided via stip presentment on x/xx. No ROR was required to be re-opened as fee charged over legal limit does not effect APR. US Mailbox rule applied since evidence of delivery of the restitution check was previously provided via stip presentment on x/xx; curative action completed within 60 days of discovery under 130(b) for the numerical error. TRID 0205 Exception Overridden to EV2;Verified reserves |  | QMATR 0014 AUS is invalid - conditions were not met - Missing updated AUS. - 04/21/22 Updated AUS findings reflecting the 1st lien loan received. <br>GIDE 0001 Guideline Exception(s) - 1) Missing copy of 1st mortgage note or billing statement<br>2) Missing copy of first and second lien note for non-subject REO - 04/26/22 Credit supplement verifying loan was a HELOC provided. <br>04/22/22 Finding Partially cleared. Item #2 first and second lien note received.<br>PROP 0019 FNMA/FHLMC loan with no secondary valuation to support appraised value - Missing required secondary appraisal review. - 05/04/22 CDA supporting value of $xxxK received.<br>CRED 0083 Asset Documentation is Insufficient - Missing copy of the (institution) February statement. - 04/26/22 Copy of the February statement received.<br>CRED 0093 Credit Documentation is Insufficient - Missing copy of Right to Copy Appraisal Disclosure. - 04/22/22 Appraisal disclosure received.<br>ROR 0001 Missing Right of Rescission - Missing ROR. Subject was owner occupied refinance with intent to use cash out proceeds to purchase a new primary residence. Why the loan was properly approved as an investment as that was the intended use of the property the borrower was still occupying the subject as his primary residence. - 7/11/2022 - Exception is cleared with the attached ROR form electronically signed and dated by the borrower; ROR expiration date has passed with no evidence transaction was rescinded. ROR 0001 Exception Cleared; <br>|  |
| 900000639 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Mid FICO of 760 for lowest score of 2 borrowers exceeds the minimum required of 680 by 60 points.; Low DTI - 29.13% DTI is 20.87% lower than 50% maximum.&nbsp;&nbsp;&nbsp;&nbsp; ; |  |  | QMATR 0014 AUS is invalid - conditions were not met - Missing updated AUS. Per guidelines "To obtain accurate DU findings on standalone transactions, enter the UPB of the first lien for "loan amount" and input the second (subject) lien loan amount in the "subordinate financing" field in the "details of transaction" section. (AUS reflects loan amount to be the subject loan amount of $xxxx.) - 05/13/22 Updated DU findings provided.<br>|  |
| 900000642 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 93 mos verified assets exceed the Agency requirement.; Verified employment history - Verified B1 employed as a project manager for same engineering firm for 13+ years.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed estimated property costs over Year 1 is incorrect., Compensating Factors: - 7/16/2022 - Exception is overridden to EV2 with the attached copy of the refund check (REF TRID 0124) and courier tracking slip; tracking search confirms delivery to borrower completed 7/13/2022, which is within 60 days from discovery under 130(b) for the numerical error. TRID 0204 Exception Overridden to EV2;Verified reserves<br>NMLS 0011 NMLS IDs do not match - Final CD NMLS does not match the Note, DOT, and 1003 NMLS. - EV2 Post closing corrective action- PC CD with LOE to the borrower<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increase to Recording Fee from $175 to $318 at closing.<br>The total amount of Closing Disclosure 10% Category fees ($1,038.00) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on 2022-04-01, ($895.00). The total amount of fees in this category cannot exceed ($984.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v))., Compensating Factors: - 7/16/2022 - Exception is overridden to EV2 with the attached copy of the refund check and courier tracking slip; tracking search confirms delivery to borrower completed xx/xx/xx, which is within 60 days from discovery under 130(b) for the numerical error. PCCD and cover letter previously provided via stip presentment on xx/xx. Reopened rescission is not required as the fee did not impact APR. TRID 0204 Exception Overridden to EV2;Verified reserves |  | CRED 0070 Calculated Amortized Term does not match Term of Note - Subject Note reflects loan as Fixed Rate however Payment Amount is an IO payment. - 6/10/2022 - Exception is cleared with the attached IO Addendum to Note. CRED 0070 Exception Cleared;<br>TRID 0109 Adjustable Payment Table was disclosed but the system did not calculate an Adjustable Payment Table as loan does not contain any Interest Only features - Subject Note reflects loan as Fixed Rate however CD reflects 10 Yr IO Fixed Rate -- - 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0109 Exception Cleared;<br>CRED 0117 Questionable Occupancy - Questionable Occupancy. Subject HOI policy reflects the subject to be rental. Loan closed as a Second Home. - 06/03/22 Recd from lender: Policy carries no loss of use or loss or rents/rental loss or landlord coverage. It also has a vacant/seasonal use clause. \*\* Exception is cleared. Policy includes additional living expense OR fair rental market value, personal property replacement cost, and permitted vacancy OR seasonal usage clause, thus supporting subject is being used for personal use. CRED 0017 Exception Cleared;<br>QMATR 0014 AUS is invalid - conditions were not met - Missing updated AUS. - 06/09/22 Updated AUS findings received.<br>TRID 0123 Missing Evidence of Re-disclosure and a valid COC for the total amount of the 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. <br>CRED 0121 Loan disbursed prior to loan transaction date. - Per the CD Loan Disbursement / Interest From date is is Prior to the transaction date. - 05/31/22 Final settlement statement and PC CD dated xx/xx/xx confirm loan disbursement date of xx/xx/xx.<br>TRID 0004 Corrected Closing Disclosure No Later Than 3 Business Days Before Consummation (Inaccurate Loan Product) - Subject Note reflects loan as Fixed Rate however CD 10 Yr IO Fixed Rate --The Loan Product of (10 Year Interest Only, Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Negative Amortization, Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) - 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0004 Exception Cleared;<br>TRID 0090 Disclosed Loan Estimate Projected Payments Table columns does not match the System Calculated number of columns (12 CFR 1026.37(c)(1)(i)) - Subject Note reflects loan as Fixed Rate however CD reflects 10 Yr IO Fixed Rate -- - 6/10/2022 - Exception is cleared with the attached IO addendum to Note. TRID 0090 Exception Cleared;<br>AUS 0002 Missing Final UCD Findings - Agency findings not located in file. - 06/03/22 findings received.<br>TRID 0078 Last Closing Disclosure Total Interest Percentage (TIP) > System Calculated - Subject Note reflects loan as Fixed Rate however CD reflects 10 Yr IO Fixed Rate --The Last Closing Disclosure Total Interest Percentage (TIP) of (228.533%) is greater than the system calculated TIP of (-41.324%). The difference is (269.857%). The TIP is the total amount of interest that the borrower will pay over the loan term as a percentage of the note amount. It is the loan's total interest payments plus prepaid interest divided by the note amount, calculated as follows: (-82971.98 + 324.66/200000.0). (12 CFR 1026.38(o)(5)) - 05/31/22 Final settlement statement and PC CD with LOE to the borrower received (Dry Funding State). Finding cleared upon resubmission with final CD. <br>|  |
| 900000643 | XXXX | Approved | 2 | 2 | 2 | 1 |  |  |  | Verified reserves - 31.69 months verified assets exceed the 6 months required verified reserves by AUS.; Verified employment history - Verified B1 self-employment history.; Verified credit history - Mid FICO of 715 exceeds the minimum required of 680 by 35 points.; | CRED 0093 Credit Documentation is Insufficient - Missing Right to Copy of Appraisal Disclosure. - Investor acknowledged exception. Confirmation of appraisal delivery to borrower confirmed.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Lender disclosed Estimated Property Costs over Year 1 of xx, Review calculated $xx for the HOA per the appraisal. - EV2 Post closing corrective action- PC CD and LOE to the borrower dated xx/xx/xx reflecting corrected Estimated Property Costs over Year 1 of $xx received xx/xx/xx. |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing updated Drive report with all alerts addressed. Report in file reflects Auto Refer with a score of "0". - 06/16/22 Updated fraud report received.<br>APRV 0010 Underwriting Loan Approval is Deficient - Lender to provide updated AUS approval with following items corrected:<br>1) Correct property type from detached SFR to detached PUD per appraisal.;<br>3) 1st lien PI payment. Lender used $xx and reviewer used xx per statement, Total 1st lien PITIA xx. - 06/16/22 Updated DU (Submission #20) received.<br>|  |
| 900000688 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 82 mths verified reserves w/cash out proceeds.; |  |  | TRID 0027 Initial Loan Estimate Sent Date > 3 Business Days from Application Date (Enterprise Rule) - Missing the initial LE and any subsequent LE's. (Only the LE dated ##/##/## with COC dated ##/##/## for rate lock were presented for review.) - 08/01/23 LE dated ##/##/## received.<br>TRID 0008 Initial CD Received Date is < 3 business days prior to Consummation Date - Missing the initial and subsequent CD's issued. Only the final CD dated ##/##/## was presented for review. - 08/01/23 CD dated ##/##/## received.<br>DMND 0003 Missing Payoff/Demand Statement - Missing copy of most recent statement for (creditor) A/# ending in ####. LQ credit report dated ##/##/## reflects a balance of XXXX. Final CD reflects payoff of XXX which is not sufficient to exclude the debt in qualification. - 10/06/23 Review updated to include qualifying payment of $XX in the final DTI <br>TRID 0130 Missing Intent to Proceed - Missing the intent to proceed. - 08/14/23 ITP received.<br>DEED 0021 Missing Legal Description on Mortgage/DOT - Missing Exhibit A to the Deed of Trust. - 08/01/23 DOT with Exhibit A included received.<br>APP 0003 Missing Initial 1003 Application - Missing LO executed Initial 1003 Application to verify the app date. - 08/14/23 Initial 1003 esigned by the borrower ##/##/## received.<br>APPR 0020 Missing Property Condition - Missing verification of property condition. Must be average or better. - 10/06/23 Updated guidelines received. AVM with exterior property inspection is not required per the Loan Stream Closed in Second Matrix/Guide.<br>CRED 0004 Back-end Ratio exception (DTI) - Review calculated DTI of 48.42% exceeds the max allowed DTI of 45%. - 10/06/23 Updated guidelines received. Max allowed DTI for LTV < 80% is 50%. Subject DTI 48.42%.<br>CRED 0006 Missing Employment doc (VVOE) - Missing VVOE completed w/in 10 days of closing ##/##/##. - 08/01/23 VVOE completed ##/##/## received.<br>TRID 0187 Missing Evidence of Initial Disclosure(s) - Missing copies of all initial disclosures dated w/in 3 business days of the application. (Only the Notice to home Loan Applicant, Homeownership Counseling Organization List dated ##/##/## and Fact's disclosure dated ##/##/## were presented for review. (Missing ABD, SPL, HLTK, esign, etc) - 10/09/2023 - Exception is cleared with the attached copy of the SPL. TRID 0187 Exception Cleared;<br>APPR 0002 Appraisal is Incomplete - Missing AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation and Must be an approved AVM provider) - 10/06/23 Updated guidelines received. AVM with exterior property inspection is not required per the Loan Stream Closed in Second Matrix/Guide.<br>APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval and 1008. - 08/16/23 Lender 1008 received. Final approved DTI per 1008 46.99/48.47. Loan approval previously received ##/##/##.<br>TRID 0134 Missing E-Sign Disclosure - Missing E-Sign Disclosure if esign was utilized. - 08/01/23 DocuSign tracking confirming borrower consent ##/##/## received.<br>|  |
| 900000687 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - B1 VOE confirms 8+ years employment with present employer.; Verified credit history - 706 mid FICO w/a minimum requirement of 660.; Low LTV/CLTV/HCLTV - 22.39% LTV / 63.38% CLTV. Max allowed CLTV 90%.; | HAZ 0004 Hazard Insurance Coverage Amount is Insufficient - Missing insurer's RCE. Dwelling coverage of $XXX is not sufficient to cover the minimum (agency) requirement of 80% of the Replacement cost new per the Appraisal. - Investor acknowledged exception for the insurance coverage being $Xk less than the required amount. The insurance shortage is not significant and this one has a low CLTV (63.38).<br>CRED 0082 Income Documentation is Insufficient - Missing WVOE to breakdown base and overtime earnings for B1. Paystubs include Overtime in YTD Income, thus unable to develop an average of Regular Income. - 9/13/2023 - Received response from investor, "The borrower's two most recent paystubs show that the borrower is consistently working a minimum of 40 hours a week. Although the YTD does not separate base and overtime, the borrower works 40 hours a week. In addition, only the base salary was used to qualify. The ($#,###.##)/mo used to qualify is supported by the YTD earnings." \*\* Agree, YTD earnings support base wages used for qualifying. CRED 0082 Exception Overridden to EV2 - Investor Acknowledged Exception; |  | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed amount $XXXX / Calculated amount $XXXX (11 mos), variance $XXX due to qualifying property tax payment. Lender used lower tax amount of $XXX. Review used taxes of $XX as per Tax Cert. - 8/23/2023 - Recd updated 1008/1003; property taxes corrected to $XXX. Exception is cleared. Estimated Taxes, Insurance, and Assessments not in escrow are outside of scope. TRID 0204 Exception Cleared;<br>GIDE 0001 Guideline Exception(s) - Missing #### earning documentation for B1. Guidelines required documented two-years prior earning for B1, only YTD paystubs and #### W2 provided. - 09/07/23 Updated guidelines provided. Only 1 year required for full doc. <br>|  |
| 900000684 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - VOE's confirm 21+ years for B1 and 6+ years for B2 with present employer.; Verified credit history - Middle credit scores 773/749 > 700 Minimum Required.; |  |  | FRAUD 0001 Fraud report alerts have not been addressed - 1) Missing social security verification for B2.<br>2) Missing updated drive report with full employer name submitted. Verification of business name / legitimacy could not be completed due to abbreviated employer name. - 8/29/2023 - Recd SS Verification for B2. FRAUD 0001 Exception Cleared;<br>|  |
| 900000685 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Middle Credit Score 749 > 660 Minimum Required.; Low LTV/CLTV/HCLTV - 19.46% LTV / 74.39% CLTV < 90% Maximum Allowed; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification that the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations., Compensating Factors: Verified credit history |  | TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - COC dated xx/xx does not satisfactorily explain the reason for the decrease to lender credit from $XXXX to $XXX. - 8/22/2023 - "An increase in DTI will change pricing and this is a valid coc. See the Lock Confirmations which show the DTI hit." Included is the pricing sheet dated XX/XX with DTI 32.13% and Net Price of 101.000 and lock confirmation dated XX/XX with DTI 43.01-45% and Net Price 100.200. TRID 0121 Exception Cleared;<br>APP 0002 Final 1003 Application is Incomplete - Final 1003 included overtime income with the base income. 1003 should list base and overtime income separately. - 08/22/23 Corrected 1003 received with Base and overtime income broken out.<br>APP 0004 Initial 1003 Application is Incomplete - Missing borrower signed initial 1003. - 08/22/23 Borrower executed 1003 received. Per lender response borrower signed initial 1003 with closing docs.<br>|  |
| 900000700 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Credit report confirms 25 months satisfactory mortgage rating on 1st Lien and 12 months on 2nd Lien. No history of delinquency reported on prior closed mortgages.; |  |  | HELC 0001 "When Your Home Is On the Line" Is Missing - Missing "When Your Home Is On the Line" disclosure. Loan file contains Home Loan Toolkit. - 10/10/2023 - Exception set in error. HELC 0001 Exception Cleared;<br>CRED 0095 Missing or Incomplete 4506-T/4506-C - Missing B1/B2 4506-C form executed at closing. Loan file provided for review only has B1 4560-C signed prior to closing #/##/####. Per guideline, The IRS form 4506-C is required for all Borrowers. - 10/10/2023 - Exception is cleared with the attached 4506-C forms executed prior to closing. CRED 0095 Exception Cleared;<br>CRED 0104 Missing Letter of Explanation - B1 is indicated to be employed with (employer) since ##/#/####. Credit report installment tradeline, (creditor ####), reflects, "XX". Missing letter of explanation addressing credit report message to confirm that there was no employment gap not disclosed on the VOE.<br>- 11/13/2023 - Recd response from investor, "Could you please review the exception that is posted in mTrade below? The VOE does not show any employment gaps and the guidelines have been met. \*\* Agree. Recall to service most recent 2 years and VOE confirms most recent 2 years employment. CRED 0104 Exception Cleared; <br>CRED 0007 Missing Employment doc (VOE) - Missing investor approved exception for missing WVOE(s). Loan file contains LES, W2, and Wage Transcript for B1 and LES, W2, and YTD WVOE for B1. Processor cert in file states, "Income verification is not available for (B2) as she is XX with (employer). I spoke with (name) at the (center ###-###-#### x# x#) to confirm." Borrowers are both XXXX. Without WVOE the non-taxable income used for B2 in qualifying is only documented two months. Loan does not qualify without the use of B2 non-taxable income.<br>Investor defers to (agency), The standards for employment documentation are the same for DU loan casefiles as they are for manually underwritten loan. Base Pay (Salary or Hourly) Income DU will require the following:<br>a completed Request for Verification of Employment (Form 1005), <br>the borrower's recent paystub and W-2 forms covering the most recent one-year period, or<br>the borrower's recent Leave and Earnings Statement for XX income. - 10/10/2023 - "B1 is XX. B2 is (employer) and receives XX pay. See VOEs." \*\* Agree. Recd new guidelines, WVOE only required where W2 or most recent tax returns not provided. Loan file contains paystubs and most recent year W2. CRED 0007 Exception Cleared;<br>CRED 0003 Credit Score (FICO) exception - B2 middle credit score 602 < 700 Minimum required. Investor defers to (agency). Per (agency), If there are multiple borrowers, determine the applicable credit score for each individual borrower and select the lowest applicable score from the group as the representative credit score for the loan. - 10/24/2023 - Recd new GL, "Credit report – a triple merge credit report is required for all applicants and will use a middle score to issue final approval. If more than one applicant, the middle highest credit score will be used to issue final approval." \*\* B1 middle credit score 702. Exception is cleared. CRED 0003 Exception Cleared;<br>|  |
| 900000689 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  |  |  |  | APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. - 10/10/2023 - Exception is cleared with the attached CU score of 1.6. APPR 0046 Exception Cleared;<br>CRED 0003 Credit Score (FICO) exception - Credit Score 689 < 700 minimum required per guideline (B1 689 / B2 753). Per (agency), If there are multiple borrowers, determine the applicable credit score for each individual borrower and select the lowest applicable score from the group as the representative credit score for the loan. - 10/10/23 Updated guidelines received. Minimum FICO per the (lender) guidelines is 680.<br>|  |
| 900000693 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed for 7+ years and Co-borrower for 17+ years with same employers. ; Net tangible benefit - Borrowers received cash out on subject transaction of $XXXX that provides additional reserves. ; | CRED 0082 Income Documentation is Insufficient - Missing Borrower's 30 days of paystubs as required per guidelines dated within 60 days of Note date. - EV2 WVOE obtained in lieu of pay stubs.<br>CRED 0001 Unacceptable Mortgage History - Missing additional 12 months satisfactory mortgage payment history for total of 24 months. VOM in file reflects 12 months prior history. Guidelines require 0x30x24 for prior housing.&nbsp;&nbsp;&nbsp;&nbsp; - Investor Acknowledged Exception based on 12 mths verified housing 0x30. |  | CRED 0095 Missing or Incomplete 4506-T/4506-C - Missing copy of borrowers executed 4506-T/4506-C. - 10/25/23 Exception set in error based on initial review to LRCP guidelines. Not required per TSFB guidelines as borrower is not self-employed and no rental income was used to qualify.<br>FRAUD 0001 Fraud report alerts have not been addressed - Missing updated Fraud Report reflecting all alerts satisfactorily addressed with updated score. - 10/11/2023 - "Most updated Fraud is in the package. At the time file was underwritten we allowed for 2 years post BK, and guidelines have since updated to match FNMA 7 yrs. Please request exception to waive." \*\* Exception re-reviewed and cleared. Fraud summary reflects high severity alert as cleared, "meets waiting period requirements". Review confirmed BK Discharge XX/XX to App Date > 7 yrs. FRAUD 0001 Exception Cleared;<br>APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation as required by securitization to support original appraisal value of $XXXX. - 10/11/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared;<br>|  |
| 900000694 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 787 mid-score with guideline requiring 680. All credit reported paid 0x30 for history. Oldest tradeline reported back to 04/1995 to support a 28 year credit history. ; |  |  | CRED 0095 Missing or Incomplete 4506-T/4506-C - Missing guideline required borrower executed 4506-T/4506-C. - 10/19/2023 - "Per our management direction underwriters began asking for Transcripts for files Underwritten x/xx/xxxx. This file was initially underwritten prior to that date so no transcripts or 4506C are available". \*\* Agree. Recd new GL. 4506-C is only required for self-employed borrower and where rental income is considered. CRED 0095 Exception Cleared;<br>FRAUD 0001 Fraud report alerts have not been addressed - Missing updated Fraud Report/score to confirm all alerts are satisfactorily addressed. - 10/11/2023 - Exception set in error. Fraud report located on page 187. No high severity alerts. Review confirmed phone number was entered correctly. FRAUD 0001 Exception Cleared;<br>APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. - 10/10/2023 - Exception is cleared with the attached CU score of 1.7. APPR 0046 Exception Cleared;<br>|  |
| 900000690 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 800 FICO w/a minimum of 680.; |  |  | CRED 0095 Missing or Incomplete 4506-T/4506-C - Missing guideline required executed 4506-T/4506-C by both borrowers. - 10/10/2023 - Exception is cleared with the attached copies of the borrower signed 4506-C forms. CRED 0095 Exception Cleared;<br>APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. - 10/10/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared;<br>|  |
| 900000691 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 13+ months of verified reserves remain after closing from borrower checking account and subject loan cashout proceeds. Guidelines require 2 months. ; Verified credit history - 743 FICO w/a minimum requirement of 680.; |  |  | APPR 0046 Missing Third Party Appraisal Review - Missing satisfactory 3rd Party Valuation report as required for securitization to support original Appraisal value of $XXXX. - 10/10/2023 - Exception is cleared with the attached CU score of 2.2. APPR 0046 Exception Cleared;<br>CRED 0095 Missing or Incomplete 4506-T/4506-C - Missing guideline required executed 4506. File contains transcripts. - 10/10/2023 - Exception is cleared with the attached copy of the borrower executed 4506-C form. CRED 0095 Exception Cleared;<br>|  |
| 900000692 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Middle credit score 744 > 700, no history of delinquency reported.; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulation. - EV2 Non-Material |  | CRED 0004 Back-end Ratio exception (DTI) - Missing investor acknowledgment for approved DTI 46.683% > 45% Max Allowed. - 10/10/23 Updated guidelines received. Max allowed DTI per guide 50%.<br>APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. - 10/10/2023 - Exception is cleared with the attached CU score of 1. APPR 0046 Exception Cleared;<br>|  |
| 900000696 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Per CBR borrower has 100+ mths of mtg history verified 0x30.; Verified credit history - 752 Mid FICO w/a minimum requirement of 680.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 - Non-Material |  | CRED 0095 Missing or Incomplete 4506-T/4506-C - Missing executed 4506T.<br>|  |
| 900000699 | XXXX | Approved | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - B2 VOE confirms 20+ years employment with same employer.; Low DTI - 46.64% DTI < 50% Max Allowed; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 - Immaterial<br>CRED 0082 Income Documentation is Insufficient - Missing B2 paystubs covering 30 days, as required per seller guidelines. Paystub in file dated X/XX covering X/X-X/XX is less than 30 days. - Investor acknowledged exception to accept 1 pay stub as income is supported by TWN WVOE and YTD on the pay stub provided. |  | APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. - 10/25/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared;<br>|  |
| 900000695 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - 723 mid fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 63.24% CLTV w/a max allowed of 80%.; Verified reserves - 13 mths reserves verified exclusive of cash out proceeds w/no minimum requirement.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | CRED 0004 Back-end Ratio exception (DTI) - Updated Exception - Review Final DTI 50.64% > 50% Max. 1008 excluded the following payments: (creditor) $X/$X, (creditor) $XX/$XX, (creditor) $XX/$XXX, and (creditor) $XX/$XXX.<br>Original Exception - Review Final DTI is pending receipt of the 1st lien mortgage statement to verify if escrowed. Current DTI of 57.71% includes taxes of $246.14 and insurance of $225.42. - 10/26/2023 - "We exclude debts with less than 10 months of payments remaining." \*\* Agree. Per GL, if the borrower has less than 10 payments left on the car loan/lease or credit care, and type of installment loan, payment can ben excluded from DTI calculations. DTI< 50% with liabilities excluded. CRED 0004 Exception Cleared;<br>APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. - 10/25/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared;<br>CRED 0096 Missing proof of PITI payment on non-subject property - Missing copy of first lien mortgage statement for (creditor) A/# ending in #### to verify if taxes and insurance are included in payment of $XXXX per the CBR. - 10/25/2023 - Exception is cleared with the attached copy of the the 1st lien mortgage statement. CRED 0096 Exception Cleared;<br>|  |
| 900000698 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Middle credit score 774 > 680 Minimum Required, no history of delinquency reported in the past 5 years.; Low DTI - 43.67% DTI < 50% Max Allowed.; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - Initial Grade - EV2 |  | APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable - 10/26/2023 - Exception is cleared with the attached AVM. Value +XX% variance from the original appraised value. Low value range < +10% variance from the original appraised value. APPR 0046 Exception Cleared;<br>CRED 0012 CLTV Exceeds Max Allowed - 91.74% CLTV > 90 Max Allowed. Missing investor acknowledgment for the exception to guidelines.<br>(creditor) 1st Lien $XXXX + 2nd Lien $XXX = $XXX / XXXX = 91.74% - 10/25/2023 - Exception is cleared with the attached credit supplement evidencing lower 1st lien balance, thus reducing the CLTV to 90%. CRED 0012 Exception Cleared;<br>|  |
| 900000701 | XXXX | Approved | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - VOE confirms 17.5 years employment with present employer.; Low LTV/CLTV/HCLTV - 67.24% CLTV < 90% Max.; Low DTI - 38.48% DTI < 50% Max.; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 - Non-Material<br>CRED 0136 Missing Paystub(s) - Missing paystubs covering 30 consecutive days, as required per lender guidelines. Paystub dated #/##/#### > 60 days old. Updated paystub dated #/#/#### only covers two weeks. - Investor acknowledged exception as income used to qualify is supported by WVOE in addition to the pay stub provided. |  | APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. - 10/26/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared;<br>TITL 0013 Title Policy - Schedule A Exception - Junior loan policy lists two exceptions 2 and 3 for UCC financing statements with (creditor) and (creditor). Missing policy with the exceptions removed. UCC termination in file for UCC filing with (creditor). Per UCC financing statement filed ##/#/#### (creditor) is DBA (creditor). - 11/8/2023 - Exception is cleared with the attached recorded copies for UCC terminations for both title exceptions. TITL 0013 Exception Cleared;<br>|  |
| 900000697 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Middle credit scores 798/769, no history of delinquency reported.; Verified housing payment history - Credit report confirms 35 months satisfactory mortgage rating on existing 1st lien.; Low DTI - 38.43% DTI < 50% Max Allowed.; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 - Immaterial |  | APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. - 10/27/2023 - Exception is cleared with the attached CU score < 2.5. APPR 0046 Exception Cleared;<br>|  |
| 900000702 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Prior homeowner with housing history verified on credit report reflecting a 0x30 payment history back to XX/XXXX. ; Verified credit history - Strong verified credit history with indicator credit score being 763. Oldest noted tradeline dates back to XXXX supporting 40 years of established satisfactory credit history. ; |  |  | APPR 0002 Appraisal is Incomplete - Missing corrected appraisal reflect corrected bathroom count. Appraisal reflects a discrepancy on number of bathrooms which affects comparable adjustments. Appraiser indicates subject has XX bathroom; however, photos and sketch reflects XX. - 11/17/23 Revised appraisal received. Updated appraiser comments: Sketch shows XX bath on the basement level. Thus only XX bath is above grade. Both baths are shown in the photos. Thus the adjustment is based on the lower level finish.<br>APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. - 11/17/23 FNMA/FHLMC SSR reports received. FNMA Score 1.4, FHLMC 2.5.<br>|  |
| 900000703 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 38 combined months mortgage history verified on credit report paid 0x30. ; Verified credit history - Both borrower's mid-score is 747 with credit report reflecting minimal outstanding revolving debt and all history paid 0x30. Oldest noted tradeline opened xx/xxxx. ; | PROP 0002 Property Type is prohibited - Subject property is reflected to be in xx location. xx Property is ineligible per LRCP guidelines. Pending Investor Acknowledgment. - EV2 Investor Acknowledged Exception |  |  |  |
| 900000704 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 37 combined months of satisfactory housing history per credit report paid 0x30. ; Verified employment history - Borrowers both have long term employment verified. Borrower has been with employer for seven years and co-borrower with employer for 32 years. ; |  |  |  |  |
| 900000705 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Verified 1st lien mortgage history paid 0x30 for 30 months reviewed per credit report. ; Verified employment history - Borrower has seven years verified employment with same employer which was two companies that merged with same primary owner. Borrower qualified with base salary only. Evidence of bonus earnings confirmed and not considered. ; Income verified was not used in qualifying - Borrower has evidence of bonus / other earnings that was not considered in qualifying.; | PROP 0002 Property Type is prohibited - XXXX property is ineligible per LRCP guidelines. Pending Investor acknowledgement. (Subject property is X.XX acres) - Investor acknowledged exception. |  | APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. - 11/17/23 FNMA/FHLMC SSR reports received. FNMA SSR 2.4/ FHLMC 3. <br>|  |
| 900000706 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 33 months of verified mortgage history on 1st lien paid 0x30. 12 months history on 2nd lien paid off with subject transaction paid 0x30. ; Income verified was not used in qualifying - Co-borrower VOE reflects additional history of bonus earnings that Review did not consider in total DTI.; |  |  | APPR 0046 Missing Third Party Appraisal Review - Missing 3rd party valuation report as required for securitization. The Seller may utilize Collateral Underwriter (CU) as a secondary valuation if the score is <=2.5, an AVM or CDA is also acceptable. - 11/17/23 FNMA/FHLMC SSR reports received. FNMA score 2.2, FHLMC 1.<br>|  |
| 900000707 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Middle credit score 791 with no history of delinquency reported.; Low LTV/CLTV/HCLTV - 75.58% CLTV < 90%; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - Initial Grade EV2 Non-Material |  | CRED 0104 Missing Letter of Explanation - Borrowers hire date is (#/##/####) with (current employer). No VOE provided from prior employer,(prior employer). (year) wages with prior employer is ($###,###.##). Borrowers annual salary with new job is ($##,###.##). Missing letter of explanation for leaving previous employer with reduced pay. - 12/5/2023 - Recd response from investor, "Wanted to follow up on this one and see if an LOE is required to clear the condition below. It does not appear to be a guideline violation and based on the loan app, it looks like the borrower likely lost her job, took a job in a different industry until she found a new job in the security industry again (lower pay). However, the income being used to qualify is from the most recent, lower paying job." \*\* Agree, Borrower prior employment in field (#/##/#### - #/##/####), interim position (#/##/#### - #/##/####), and new hire date in field (#/##/####). Guidelines do state complete 24 months employment verification is required. CRED 0104 Exception Cleared;<br>|  |
| 900000709 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 19.23% LTV / CLTV 61.95% with a max allowed of 85%.; Verified credit history - 737 FICO w/a minimum requirement of 680.; Verified housing payment history - 34 mths mortgage history for first lien verified 0x30x34.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. - 12/08/23 Loan loan approval received.<br>CRED 0091 Missing Tax Transcript(s) - Missing to years Wage and income transcripts as required by LRCP guidelines. - 12/18/2023 - Exception is cleared with the attached two years wage transcripts. CRED 0091 Exception Cleared;<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increases to the following fees: Settlement Fee $160 to $325, Title Endorsement $60 (no disclosed on LEs)-- - 12/07/23 COC received. Finding cleared upon resubmission.<br>|  |
| 900000711 | XXXX | Approved | 2 | 1 | 1 | 2 |  |  |  | Low LTV/CLTV/HCLTV - 52.78% CLTV < 85% Max.; Verified credit history - Middle credit scores 730/755 with no history of delinquency reported.; | APPR 0046 Missing Third Party Appraisal Review - Missing 3rd Party Desk Review, as required for securitization reviews. Only Property Condition Report w/ AVM completed by Stewart provided. - Additional valuation waived by investor. Additional valuation was requested by the investor and not required by the guidelines. |  | COMP 0047 File Documentation is Incomplete (Compliance) - B1 copy of drivers license is expired, XX/XX/XX. Patriot Act form reflects issuance on XX/XX/XX with an expiration date of XX/XX/XX. Missing copy of the renewed license. - 12/15/2023 - Recd copy of verification of license renewal from state website; issuance date agrees with patriot act form provided in file and the customer number agrees with copy of expired license and patriot act form. COMP 0047 Exception Cleared;<br>TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing evidence of delivery to borrower of the latest issued LE dated XX/XX/XX. Timing requirement is not satisfied with the US Mailbox Rule applied. - 12/12/23 Electronic document tracking for LE issued XX/XX/XX received. Borrower receipt confirmed on XX/XX/XX.<br>APRV 0003 Missing Loan Approval Date - Missing underwriting decision with the loan approval date. Only 1008 provided in file. - 12/12/23 Lender loan approval received.<br>|  |
| 900000717 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Primary wage earner mid fico 725 w/a minimum requirement of 680.; Low DTI - Review DTI 25.48% w/a max allowed of 45%.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 Non-Material<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - CD dated XX/XX/XX disclosed non-escrowed property costs of $XX. Review calculated $XXXX (Taxes $XXXX / HOI $XXXX). - 1/10/2024 - Exception is cured with the attached PCCD and corresponding LOX. TRID 0204 Exception Overridden to EV2; |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. - 12/20/23 Lender loan approval and 1008 received.<br>CRED 0091 Missing Tax Transcript(s) - Missing most recent two years Wage & Income transcripts. - 01/02/2024 - Recd most recent two years wage transcripts.;<br>01/08/24 Additional W2 for B2 received which supports transcripts provided.<br>|  |
| 900000708 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrowers have been with same employer for 18+ years.; Verified credit history - Qualifying FICO is 745 w/a minimum requirement of 680.; |  |  | CR 0004 Fraud Alert on Credit Report not addressed - Missing letter of explanation used to address medium risk finding for B2 having associated business. Cleared fraud comments reflect this was addressed by the borrower. - 12/12/23 Cleared per lender response: We have 2year+ W2 employment history fully verified, and the business has been not active in over 2 years.<br>|  |
| 900000715 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - 6+ yrs verified w/current employer.; Verified credit history - 690 FICO w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.62% CLTV w/a max allowed of 75%.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 Non-Material<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Transfer taxes of $XXXX were not disclosed on the LE. COC for change of Settlement Service Provider XX/XX/XX is not sufficient COC for fee addition.-- - EV2 Post Closing Corrective Action- Copy of PC CD, Refund check, LOE, and FedEx Tracking received. |  | CRED 0089 Missing Required Fraud Tool - Missing required fraud report with all alerts sufficiently addressed. - 12/27/2023 - Exception is cleared with the attached fraud report with all fraud findings cleared. Appraiser possible watchlist match, XXXX, was not a match to XXXX. CRED 0089 Exception Cleared;<br>CRED 0091 Missing Tax Transcript(s) - Missing XXXX/XXXX Wage and Income transcripts. - 12/27/2023 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared;<br>ROR 0004 Right of Rescission is not executed by Title Holder(s) - Missing ROR executed by NBS XXXX. - 12/27/2023 - Exception is cleared with the attached ROR form signed by the NBS. ROR 0004 Exception Cleared;<br>|  |
| 900000716 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - B1 VOE confirms 14+ years employment with present employer.; Verified housing payment history - Credit report confirms 25 months satisfactory mortgage rating.; Verified credit history - Primary wage earner FICO 763 w/a minimum requirement of 680. ; | PROP 0002 Property Type is prohibited - Subject is indicated to located in a XXX area, of XX and XX with XX zoning. Lock in file indicates a subject property location is XXXX. - Investor Acknowledged Exception for XXXX property. |  | FLOOD 0007 Missing Flood Insurance Cert. - Flood cert in file reflects the incorrect address. AVM indicates that the house number changed in XXXX to XXXXXX, however, tax cert, title commitment and property report reflect XXXX. - 12/27/2023 - Exception is cleared with the attached flood cert. FLOOD 0007 Exception Cleared;<br>APPR 0046 Missing Third Party Appraisal Review - Missing Investor required BPO to support AVM value of $XXXX (Diligence to order upon receipt of investor approval). - 1/9/2024 - Recd lender ordered 3rd Party BPO with value of $XXXX. APPR 0046 Exception Cleared;<br>|  |
| 900000718 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 99+ months satisfactory mortgage rating.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - COC provided for the addition of the recordation tax of $XXX, however, reason for the increase was not provided. Missing valid reason for the increase in fees. - EV2 Post Closing Corrective Action -01/10/24 Fed Ex Tracking received confirming borrower receipt. <br>1/5/2024 - Copy of the corrective CD, refund check, and tracking slip received.<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Borrower chose provider from the service provider list. Tolerance violation due to settlement charges disclosed in section C. COC provided for increase in loans fees of $XX, however, reason for the increase was not provided. Missing valid reason for the increase in fees. - EV2 Post Closing Corrective Action -01/10/24 Fed Ex Tracking received confirming borrower receipt. <br>1/5/2024 - Copy of the corrective CD, refund check, and tracking slip received.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - PCCD estimated tax and insurance is disclosed as $X with property costs over year 1 of $XX. Actual tax and insurance is $XXX. |  | CRED 0087 Tax Returns/Transcripts are Insufficient - Missing XXXX/XXXX Wage Transcripts. - 12/19/23 Wage & Income transcripts received.<br>APPR 0046 Missing Third Party Appraisal Review - Missing 3rd Party BPO to support the original AVM value of $XXXX, as required for securitization loans. (Diligence to order) - 12/13/23 BPO received with "As-Is Value of $XXXX which is a variance of -4.03%. Variance is w/in allowable 10% tolerance.<br>APRV 0003 Missing Loan Approval Date - Missing lenders underwriting decision with the loan approval date. Only 1008 provided in file. - 12/19/23 Lender loan approval received.<br>|  |
| 900000723 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - VOE confirms 14+ years employment with present employer.; Verified credit history - Middle credit score 786 with no history of delinquency reported in the past 24 months.; |  |  | CRED 0087 Tax Returns/Transcripts are Insufficient - Missing most recent two years wage transcripts as required per guidelines. - 1/5/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0087 Exception Cleared;<br>APRV 0003 Missing Loan Approval Date - Missing underwriter decision with loan approval date. - 12/19/23 Lender loan approval received.<br>|  |
| 900000777 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - VOE confirms 7+ years employment with present employer.; Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; | PROP 0002 Property Type is prohibited - Missing investor acknowledgment for XXX property. - Investor Acknowledged Exception for XX property.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - REFER HAZ 0004 2/2: Disclosed property tax and insurance of $XX with property costs of $XX is inaccurate. Actual tax and insurance is $XX with property costs over 11 months of $XX. - EV2 Post-Closing Corrective Action.-- 02/21/24 LOE to borrower received, 02/14/24 PC CD was received. Notification of CD deficiency initially report 02/02/24 not 12/13/23. |  | HAZ 0004 Hazard Insurance Coverage Amount is Insufficient - Missing insurers replacement cost estimate. - 2/2/2024 - Exception is cleared with the attached updated EOI providing coverage of $XXXX with Increased Cost Endorsement of 25% totaling $XXX, which is greater than 80% of Cost New per Appraisal. Insurance premium increased to $XXXX. Included is a PCCD and updated 1008. HAZ 0004 Exception Cleared;<br>APPR 0046 Missing Third Party Appraisal Review - Missing 3rd Party valuation to support the original appraised value of $XXXX. CU scores > 2.5. - 02/24/24 CDA supporting value of $XXXX received.<br>CRED 0091 Missing Tax Transcript(s) - Missing XXXX/XXXX Wage & Income Transcripts as required per guidelines. - 02/14/24 XXXX/XXXX Wage & Income Transcripts received.<br>|  |
| 900000712 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 6 months verified reserves > 2 months reserves required.; Low DTI - Approved DTI 39.998% < 45% Max Allowed.; Verified housing payment history - Credit report confirms 24 months satisfactory mortgage rating. ; |  |  | APRV 0003 Missing Loan Approval Date - Missing underwriting decision with loan approval date. Only 1008 provided in file. - 12/19/23 Lender loan approval received.<br>|  |
| 900000789 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Low DTI - 31.46% DTI < 45% Max Allowed.; Verified employment history - VOE confirms 9+ years employment with present employer.; Verified credit history - Middle credit scores 744/734 > 680 Minimum Required.; Verified housing payment history - Credit report confirms 34 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 56.63% LTV < 85% Max Allowed.; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increased Recording fee from $115 to $146 at closing. - EV2 Post - Closing Corrective Action --03/07/24 LOE to the borrower received. XX/XX/XX Copy of check showing it was deposited by the borrower received. XX/XX/XX - Exception is partially cured with the attached PCCD; Disclosed $19.50 credit to cure.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Estimated property tax, insurance, and HOA of $XX with property costs over year 1 of $XX is inaccurate. Actual property tax, insurance, and HOA is $XX. - 1/30/2024 - Exception is overridden to EV2 with the attached documented HOA fee from realtor.com and the PCCD; Disclosed estimated property tax, insurance and HOA payment of $XX with property costs over 11 months of $XX is over disclosed. TRID 0204 Exception Overridden to EV2;<br>CRED 0096 Missing proof of PITI payment on non-subject property - Missing verification of subject HOA fee. Review used $XX as per CD. - 1/30/2024 - Exception is overridden to EV2 with the attached documented HOA fee from realtor.com and the PCCD; Disclosed estimated property tax, insurance and HOA payment of $XX with property costs over 11 months of $XX is over disclosed. QMATR 0016 Exception Overridden to EV2; |  | CRED 0024 Missing Proof Judgement and/or Tax Lien Paid/Released - Missing evidence that the judgements reflected on title do not belong to the borrower or that they have been satisfied:<br>- 2/8/2024 - "Attached are the emails from title stating that none of these judgments were reflecting on their search package and therefore not being reflected on title. With that being said if these any of these judgements were still valid than they would have appeared on the search package and reflected on the prelim." \*\* Exception is cleared with the attached email correspondence from the title agent confirming all judgements, including child support, have expired (10+ years in state of xx). CRED 0024 Exception Cleared;<br>CRED 0091 Missing Tax Transcript(s) - Missing Wage Transcripts as required per guidelines. - 1/26/2024 - Exception is cleared with the attached copies of the most recent two years wage transcripts. CRED 0091 Exception Cleared;<br>APPR 0046 Missing Third Party Appraisal Review - Missing BPO to support the AVM value of $XXXX. (BPO to be ordered by diligence 12/19/23.) - 12/20/23 BPO received. Value returned at $XX variance is w/in acceptable 10% tolerance range at (-9.24%).<br>|  |
| 900000713 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 100 combined months of mortgage payment history paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 799 for Borrower. Co-borrower's is 764. Borrowers credit history reflects payments made 0x30 for all mortgages and installment debt both current and prior. One minor revolving account that is paid off reported a 1x30 within previous 24 month. All other revolving history is also 0x30. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations - EV2 Non-Material |  |  |  |
| 900000714 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 99 months of combined satisfactory mortgage history paid 0x30 per credit report. ; Verified employment history - Co-borrower has been on her job with same employer for 9 years per re-verification of employment. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. - EV2 Non-Material |  |  |  |
| 900000719 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 4.3 years. ; Verified housing payment history - 70 months of combined mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt with subject refinance eliminating $XXXX in monthly payments of which $XXX was monthly installment debt. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated XX/XX/XX reflects Estimated Taxes, Insurance & Assessments of $1.00 with Estimated Property Costs over 1 year of $11. Review calculated $XXX per mth with an estimate of 11 mths totaling $XXXX. - EV2 Post closing corrective action - Corrective PC CD dated 01/09/24 received w/LOE to the borrower. |  |  |  |
| 900000754 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 35 years. ; Verified housing payment history - 76 combined months of mortgage history paid 0x30 per the credit report. ; Net tangible benefit - Borrower paid off consumer debt with the subject refinance eliminating $XXXX in total monthly payments of which $XXXX was monthly installment debt. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD reflects Estimated Taxes, Insurance & Assessments of $X with Estimated Property Costs over 1 year of $X. Review calculated $XX per mth with an estimate of 11 mths totaling $XX. - 1/4/2024 - Exception is cleared with the attached PCCD disclosing the correct property tax and insurance costs over year 1; 11 mos. REID 0204 Exception Overridden to EV2; |  | CRED 0091 Missing Tax Transcript(s) - Missing (two years) Wage & Income transcripts for B1. - 1/10/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared;<br>TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing a valid COC for the addition of $160 Notary fee and $45 Sub-escrow on the final CD paid by the borrower. - 2/5/2024 - Recd PCCD, cover letter, copy of refund check $XX, with courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. TRID 0205 Exception Overridden to EV2;<br>|  |
| 900000722 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with the same employer for 19 years.; Verified housing payment history - 36 months of prior mortgage history paid 0x30 per credit report and VOM in file. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated XX/XX/XX reflects Estimated Taxes, Insurance & Assessments of $2.00 with Estimated Property Costs over 1 year of $22. Review calculated $XXX per mth with an estimate of 11 mths totaling $XXXX. - EV2 Post-Closing corrective action --01/12/24 PC CD dated XX/XX/XX received with LOE to borrower. Estimated Taxes, Insurance & Assessments of $XXX with Estimated Property Costs over 1 year of $XXXX.<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. - EV2 Non-Material |  | CRED 0091 Missing Tax Transcript(s) - Missing XXXX/XXXX Wage & Income transcripts for B1. - 1/10/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared;<br>|  |
| 900000742 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Borrower credit score is 722 with evidence that all credit per credit report has been paid 0x30. Oldest trade listed dates back to XX/XXXX. ; |  |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval. - 12/29/2023 - Exception is cleared with the attached Underwriting Decision. APRV 0003 Exception Cleared;<br>INS 0001 Missing Sufficient Evidence of Insurance - Missing evidence of borrower Homeowner's Hazard Insurance premium and proof annual premium does not exceed $XXX. Proof of insurance in file does not disclose the premium amount used in qualifying. - 01/11/24 HOI deck page confirming annual premium of $XXX received.<br>CRED 0006 Missing Employment doc (VVOE) - Missing VVOE dated w/in 10 days of the note date.<br>- 01/23/23 VVOE received verifying borrower active employment as of XX/XX/XX.<br>|  |
| 900000788 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Credit report confirms 39 months satisfactory mortgage rating.; Verified credit history - Middle credit score 752 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 69.79% CLTV < 85% Max Allowed.; | CRED 0086 Undisclosed or Excluded Debt - Installment debt was excluded in qualifying. Including the debt increases the DTI to 56.20% (Max 45%). Investor defers to (agency). <br>Deferment with 2 mo extension granted on installment debt. Borrower is a co-signor for the liability held in the name of a business for which borrower is (position). Monthly payment was excluded in qualifying with 12 months bank statements provided to evidence the business is paying the debt. Letter of explanation indicates a financial hardship due to slow business. No cash flow analysis provided. - Investor Acknowledged Exception<br>CRED 0087 Tax Returns/Transcripts are Insufficient - Missing most recent two years Tax Transcripts. Borrower was qualified with XXXX income, however, documentation in file indicates ownership of (business). Installment debt paid by business was excluded in qualifying (REFER CRED 0086). <br>- Investor Acknowledged Exception |  |  |  |
| 900000720 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - B1 has been with current employer since XX/XXXX supporting employment longevity. ; Verified housing payment history - 83 months of mortgage history verified on credit report paid 0x30. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated XX/XX/XX Disclosed Estimated taxes and Insurance of $XX per month with Estimated Costs over 1 year of of $XX. Review calculated $XXX (HOI $XXX / $XXX per yr / Taxes $XXX / $XXX per yr). - EV2 Post-Closing Corrective Action: 01/12/24 PC CD with LOE to the borrower received. Estimated taxes and Insurance updated to $XXX. Estimated Property Costs over Year 1 $XXXX (11mths) |  | CRED 0091 Missing Tax Transcript(s) - Missing XXXX/XXXX Wage & Income transcripts for both borrowers. - 1/9/2024 - Exception is cleared with the attached two years wage transcripts for B1 and B2. CRED 0091 Exception Cleared;<br>|  |
| 900000710 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been with same employer for 10 years plus, confirming employment longevity. ; Verified housing payment history - 110 months of combined verified satisfactory payment record per credit report in file.; Net tangible benefit - Borrower paid off consumer debt with subject refinance eliminating two installment debts totaling $XXX in monthly payments and an additional revolving account with a $XX payment. ; |  |  | APPR 0046 Missing Third Party Appraisal Review - Missing BPO as required by Investor for AVM (Diligence to Order) - 01/02/2024 - Exception is cleared with the attached post-closing 3rd Party BPO; value < 10% variance from the original AVM value. APPR 0046 Exception Cleared;<br>|  |
| 900000726 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B2 has been with same employer for 8 plus years. ; Net tangible benefit - Borrowers paid off 24 consumer accounts with subject refinance eliminating $XXXX in total monthly outlay debt payments. ; Verified credit history - 738 Indicator credit score with all credit paid 0x30 within previous 24 months. Present and prior mortgage histories all indicate 0x30 history for all months reviewed. ; |  |  | TRID 0171 Missing valid Change of Circumstance(s) - 1) Missing COC for LE issued XX/XX/XX.<br>2) Missing COC for LE issued XX/XX/XX. - 01/02/2024 - Exception is cleared with the attached COC's. TRID 0171 Exception Cleared;<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - No COCs provided for review. Final compliance results pending receipt of all applicable COCs for disclosures issued XX/XX/XX, XX/XX/XX, XX/XX/XX, and XX/XX/XX.-- - 01/02/2024 - Exception auto-cleared with resubmission. Refer TRID 0171 01/02/2024. TRID 0195 Exception Cleared;<br>APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. - 01/10/24 Lender loan approval received.<br>|  |
| 900000775 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - VOE confirms 15+ years employment with present employer.; Verified housing payment history - Credit report confirms 35 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 52.16% CLTV < 85% Max Allowed.; Verified credit history - Middle credit score 794 > 700 Minimum Required.; Low DTI - 29.19% DTI < 45% Max Allowed.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for the addition of the PCR eValuation with Interior Inspection fee of $XX. COC dated XX/XX/XX does not reflect the addition of the fee. - 2/9/2024 - Exception is cured with the attached PCCD, cover letter, copy of refund check for $XXX, and courier receipt to evidence delivery to borrower was completed within 60 days from discovery. TRID 0195 Exception Overridden to EV2;<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing valid reason for the increase to the recording fee disclosed on xx/xx/xx. COC does not provide the reason for the increase. - 2/9/2024 - Exception is cured with the attached PCCD, cover letter, copy of refund check for $XXX, and courier receipt to evidence delivery to borrower was completed within 60 days from discovery. TRID 0124 Exception Overridden to EV2; |  | CRED 0096 Missing proof of PITI payment on non-subject property - Missing documented hazard insurance liability for non-subject REO. - 01/25/24 LOE from borrower confirming no HOI for REO received.<br>APRV 0010 Underwriting Loan Approval is Deficient - Missing final underwriting decision. UW Decision in file reflects the incorrect appraisal value of $XXX; Actual appraisal value is $XXX. Approved LTV 13.504% / CLTV 65.574%; Actual LTV 10.78% / CLTV 52.16%. Approved DTI 35.518% double counted the tax and insurance for subject property that is being escrowed on first lien. Review calculated DTI 29.19%. - 1/24/2024 - Exception is cleared with the attached Underwriting Conditional Approval. APRV 0010 Exception Cleared;<br>APPR 0046 Missing Third Party Appraisal Review - Missing Property Condition Report eValuation with Inspection. PCR with Exterior Inspection was ordered and charged $XX fee charged to Borrower prior to the appraisal report being ordered. - 02/27/24 AVM and PCR received.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing EOI for subject property with lender listed as additional insured. Only billing information with RCE provided in file. - 1/4/2024 - Exception is cleared with the attached EOI. CRED 0103 Exception Cleared;<br>CRED 0091 Missing Tax Transcript(s) - Missing XXXX/XXX Wage Transcripts. - 1/4/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared;<br>|  |
| 900000721 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified housing payment history - 59 months of mortgage history verified as paid 0x30. ; Verified employment history - B2 has been with same employer for 7 years plus. ; | PROP 0002 Property Type is prohibited - Missing Investor acceptance of Property type. Subject property location is reflected to be XXXX, under 25% built up. LRP Guidelines do not allow for XXXX property location. - Investor Acknowledged Exception to accept XXXX property.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated XX/XX/XX reflects Estimated Taxes, Insurance & Assessments of $X with Estimated Property Costs over 1 year of $X. Review calculated $XXX per mth. - EV2 Post-Closing corrective action- 01/12/24 LOE to the borrower and PC CD dated XX/XX/XX reflecting Estimated Taxes, Insurance & Assessments of $XXX with Estimated Property Costs over 1 year of $XXX. |  | CRED 0091 Missing Tax Transcript(s) - Missing XXXX/XXXX Wage & Income transcripts for B1 and B2. - 1/4/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared;<br>|  |
| 900000730 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Credit report in file reflects present and multiple previous mortgage accounts all reporting 0x30 payment records. While there are some gaps between mortgages reported, the oldest mortgage account dates back to XX/XXXX. ; Net tangible benefit - Borrower paid off a consumer account with subject cash out eliminating a $XX monthly payment and received $XX cash in hand. ; Verified credit history - Borrower has 708 indicator credit score with all consumer debt paid 0x30 for previous 24 month history. ; | PROP 0002 Property Type is prohibited - Missing Investor acceptance of Property type. Subject property location is reflected to be XX on XX acres. LRP Guidelines do not allow for XX property location. - Investor Acknowledged Exception.<br>APP 0016 Missing Borrower Job Title - Missing final job title on final 1003 application. Per VOE in file, title is XXXX. - EV2 Non-Material |  | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations - 1/10/2024 - Exception is cleared with the attached updated appraisal with the attached USPAP Compliance Addendum Additional Certification confirming appraisal was prepared in accordance with Title XI. APPR 0044 Cleared;<br>|  |
| 900000724 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 88 months of verified housing history on credit report paid 0x30. ; Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating $XXXX in monthly payments. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD reflects Estimated Taxes, Insurance & Assessments of $2.00 with Estimated Property Costs over 1 year of $22. Review calculated $XXX per mth with an estimate of 11 mths totaling $XXXX. - 1/10/2024 - Exception is cleared with the attached PCCD; correct taxes and insurance in 11 mos disclosed. TRID 0204 Exception Overridden to EV2;<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. - EV2 Non-Material |  | TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing a valid COC for the decrease in lender credits. - 1/10/2024 - Data entry error identified; lender credit duplicated on initial CD by reviewer. Exception cleared upon resubmission. TRID 0121 Exception Cleared;<br>TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. <br>|  |
| 900000764 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - B1 has been verified to be on present job for 19 years. ; Net tangible benefit - Borrowers paid off consumer debt with subject loan totaling $XXX which eliminated a total of $XXX in monthly payment outlay. ; Verified housing payment history - Over 100 combined months of prior mortgage payment history verified paid 0x30 per credit report. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD reflects Estimated Taxes, Insurance & Assessments of $X with Estimated Property Costs over 1 year of $XX. Review calculated $XXX per mth with an estimate of 11 mths totaling $XXXX. - 1/10/2024 - Exception is overridden to EV2 with the attached PCCD; actual tax and insurance in 11 mos disclosed. TRID 0204 Exception Overridden to EV2;<br>PROP 0002 Property Type is prohibited - Property population density per AVM in file is reflected as XX. Missing Investor acceptance of Property type. Subject property population density on AVM is reflected to be XX. (investor) Guidelines do not allow for XX property location. - 1/16/2024 - Recd response from investor, "We are ok with granting the exceptions listed below. Exception for XX property." PROP 0002 Investor Acknowledged Exception; |  | TRID 0016 Prior Loan Estimate Sent Method Not In Person and No Received Date - Missing evidence of electronic delivery of the Loan Estimate date issued on (##/#/####). Borrower did not execute nor is there proof of confirmed electronic delivery/receipt to eliminate the Mail Box rule. - 01/08/24 Document tracking details for LE issued (##/#/####) received.<br>FLOOD 0007 Missing Flood Insurance Cert. - Missing evidence of Flood Certification from file. Unable to determine flood zone. - 01/08/24 Subject flood cert received. Subject confirmed Zone X.<br>CRED 0091 Missing Tax Transcript(s) - Missing:<br>1) (two years) Wage & Income transcripts for B1<br>2) (tow years) Wage & Income transcripts for B2 - 1/17/2024 - Part 2 of the exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Remains;<br>TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing evidence of electronic delivery of the Loan Estimate date issued on (##/#/####). Borrower did not execute nor is there proof of confirmed electronic delivery/receipt to eliminate the Mail Box rule. - 2/12/2024 - Exception is cleared with the attached copy of the latest issued LE wet signed by the borrowers on the issuance date. TRID 0023 Exception Cleared;<br>|  |
| 900000790 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off consumer debt with subject loan eliminating a monthly payment of $XXX per month. ; Verified employment history - B1 has been with current employer for 11 years plus. ; Verified credit history - 740 indicator credit score for primary wage earner B1 with proof that all credit reflected on credit report in file is paid 0x30 including all mortgage histories listed. ; | GIDE 0001 Guideline Exception(s) - Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. File contains a VM effective XX/XX/XX and separate Exterior PCI- Property Condition Inspection dated XX/XX/XX. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) Must be an approved AVM provider.<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR on the PC CD dated XX/XX/XX 10.338%, APR on the CD executed at closing XX/XX/XX 10.341%. APR Decreased. - EV2 Non-Material - Benefit to borrower as APR decreased.<br>TRID 0148 LE or CD is Deficient - Loan Disclosures, Escrow Account information section on the Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material |  | APPR 0046 Missing Third Party Appraisal Review - Post close BPO required by investor to support AVM value of $XXXX (Diligence to Order).<br>HAZ 0005 Missing evidence of Hazard Insurance - Missing evidence of Hazard Insurance Declarations page on subject property. None located in file. File contains a Replacement Cost Estimate but does not confirm Policy annual Premium nor the Policy term. Unable to confirm amount of monthly HOI used in qualifying of $XXXX annually or $XXXX per month. - 01/23/24 HOI Deck page reflecting subject lender as mortgagee w/loan number.<br>APRV 0001 Missing Underwriter Loan Approval - Missing Lender Underwriting Approval. - 1/9/2024 - Exception is cleared with the attached Underwriting Decision. APRV 0001 Exception Cleared;<br>DEED 0049 Mortgage/Deed of Trust is Incomplete - Missing certification that Notary date is XX/XX/XX. Per the Notary certification on the Mortgage, the handwritten date reflects XX/XX/XX. - 1/26/2024 - Exception is cleared with the attached notary certification with letter of intent to rerecord. DEED 0049 Exception Cleared;<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - ROR disclosed hand changed amended expiration date of XX/XX/XX is the same as the final CD disbursement date. - 03/07/24 Final HUD confirming disbursement date of XX/XX/XX with interest from XX/XX/XX (PPI XX) received. <br>HUD 0001 Missing Final HUD-1 - Missing copy of the final settlement statement to verify the funding date. Final CD dated XX/XX/XX reflects a disbursement date of XX/XX/XX which is the same date that the ROR expired. - 02/05/24 Final Settlement statement received reflecting a disbursement date of XX/XX/XX.<br>|  |
| 900000737 | XXXX | Funded | 2 | 2 | 2 | 2 |  |  |  | Verified credit history - Middle credit score 769 with no history of delinquency reported. Minimum credit score required 700.; Verified reserves - Two months reserves are required, cash out proceeds will provide borrower with 57 months combined mortgage payments reserves; | APPR 0039 Appraisal Value is not supported by comparables - AVM in file dated XX/XX/XX returned with a Confidence score of 89, FSD 0.11 which is outside the acceptable tolerance of 90%, FSD 0.10. - Investor acknowledged Exception to accept AVM as submitted. BPO returned supporting value.<br>TRID 0148 LE or CD is Deficient - Loan Disclosures, Escrow Account information section on the Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material<br>GIDE 0001 Guideline Exception(s) - AVM in file dated XX/XX/XX provided with separate Exterior PCI dated XX/XX/XX. This does not meet the guideline requirement of AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) - Must be an approved AVM provider. - 01/16/24 Investor acknowledged. BPO dated XX/XX/XX returned with Value of $XXXX |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender approval. - 1/9/2024 - Exception is cleared with the attached Underwriting Decision. APRV 0001 Exception Cleared;<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for the increase to the Loan Discount, the CD dated XX/XX/XX reflects $XX which increased to $XXX without a changed circumstance. - 1/9/2024 - Exception is cleared with the attached COC due for pricing adjustment due to appraisal value decrease. TRID 0195 Exception Cleared;<br>COMP 0043 Compliance Submission Pending Update<br>|  |
| 900000725 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - LTV 4.98%, CLTV 38.71%, maximum LTV is 85%.; Verified credit history - Middle credit score 750 with no history of delinquency reported. Minimum credit score required 700.; Low DTI - DTI 36.85%, maximum DTI 45%; Verified employment history - The borrower has been with their current employer for more than 20 years.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender approval. - 1/8/2024 - Exception is cleared with the attached Underwriter Decision. APRV 0001 Exception Cleared;<br>APPR 0046 Missing Third Party Appraisal Review - Missing 3rd Party BPO. BPO to be ordered by the diligence co. - 01/08/24 BPO received with As Is value of $XXXX. Variance of -8.96% is w/in the acceptable 10% tolerance.<br>|  |
| 900000776 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Income verified was not used in qualifying - Borrower qualified on base earnings only. YTD paystubs confirm a greater earnings record than used in qualifying. ; Net tangible benefit - Borrower paid off XXXX in consumer debt eliminating $XXXX in monthly outlay payments. ; |  |  | HCOST 0001 High Cost Failure - The loan fees ($2,821.13) exceed the (FED2014) (Note Amount >=$24,866.00) fee limit, which is 5% of the Total Loan Amount ($2,794.41), the difference is ($26.72). (12 CFR 1026.32). - 02/23/24 Copy of cancelled check from NAF in the amount of $XXX to XXX dated XX/XX/XX received. Verified fee is a pass through cost. Finding cleared upon resubmission.<br>|  |
| 900000733 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 79.05% CLTV < 85% Max Allowed.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for increase to Loan Discount from $XXX disclosed on XX/XX to $XXX at closing. - EV2 Post-Closing corrective action--01/12/24 Duplicate copy of the PC CD dated XX/XX/XX received w/letter of explanation, copy of refund check, and evidence of trackable delivery to borrower<br>APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material<br>TRID 0148 LE or CD is Deficient - Loan Disclosures, Escrow Account information section on the Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material --Note PC CD dated XX/XX/XX was updated to reflect that the lender does not offer an escrow account. |  | TRID 0162 LE is not within 3 business days of Change of Circumstance. - CD dated XX/XX/XX was not issued within 3 business days of the rate lock date of XX/XX/XX. 3 business days excluding Saturday and the Thanksgiving Holiday is XX/XX/XX. - 1/9/2024 - "Please see LOX regarding Rate Lock on XX/XX/XX LE, with delay due to observance of Thanksgiving and Lender office closed." Exception is cleared. COC removed from compliance testing. tolerance violation cured with PCCD. TRID 0162 Exception Cleared;<br>APRV 0001 Missing Underwriter Loan Approval - Missing underwriting decision with the documented loan approval date. - 1/9/2024 - Exception is cleared with the attached copy of the Underwriting Decision. APRV 0001 Exception Remains;<br>QMATR 0016 Missing Documentation or Proof of ATR Underwriting Factors - Missing documented hazard insurance payment for non-subject REO, XXXX. - 01/22/23 LOE from borrower received confirming no HOI for REO.<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Borrower was not provided complete 3 days to rescind the transaction. Loan disbursement date XX/XX/XX is prior to the ROR expiration XX/XX/XX. - 01/12/24 Duplicate copy of the PC CD dated XX/XX/XX received w/letter of explanation, copy of refund check, and evidence of trackable delivery to borrower<br>CRED 0104 Missing Letter of Explanation - Missing employer letter of explanation for YTD income thru XX/XX/XX per paystub of $XXXX does not correspond with the YTD income on the WVOE of $XXXX. - 01/24/24 LOE reced from employer: Looking at his break down, I forgot to mention that he is a XX employee, I actually just listed his gross pay for regular, overtime and double time. Our system shows the union benefits separate.<br>VSD $XXXX<br>SAFETY(BDAY PAY) $XXX<br>VAC $XXX<br>SUP $XX<br>When adding all his gross income and fringe benefits it gives us a total of $XXXX. <br>TITL 0009 Missing Required Property Title Search - Missing supplemental title report or final title policy with coverage sufficient to cover the Note amount of $XXXX. Supplemental report coverage $XXXX < Note Amount. - 1/9/2024 - Exception is cleared with the attached email correspondence from the title agent confirming coverage of $XXX. TITL 0009 Exception Cleared;<br>|  |
| 900000729 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - Indicator credit score is 728 with all credit paid 0x30 for prior 48 months per credit report.; Verified housing payment history - 66 combined months of mortgage history paid 0x30 per credit report. ; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD issued on XX/XX/XX disclosed APR of 11.291%. <br>CD issued XX/XX/XX disclosed APR of 11.143%.<br>CD issued XX/XX/XX and executed XX/XX/XX disclosed APR of 11.115%. - EV2 Non-Material APR Decreased, thus a benefit to the borrower.<br>APP 0014 Missing Borrower Employer Phone Number - B2 Employer Phone Number not included on Final Application. - EV2 Non-Material |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender approval. - 01/11/24 Lender loan approval received.<br>|  |
| 900000755 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 99+ months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 69.82% < 85% Max Allowed.; Verified credit history - Middle credit score 793 with no history of delinquency reported. Minimum credit score required 680.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed taxes, insurance, and HOA Dues of $XX with property costs in year 1 is inaccurate. Actual association fee is $XX/mo. Taxes and insurance $XXX are escrowed on first mortgage. - EV2 Post-Closing corrective action--01/12/24 PC CD dated XX/XX/XX received with LOE to the borrower. Disclosed taxes, insurance, and HOA Dues $XXX, Estimated Property Costs over Year 1 $XXX (11 mths). |  | CRED 0092 Missing income calculation worksheet and/or detail - Missing employer explanation for the following:<br>1) Semi-Monthly Pay Rate per Paystubs $XXXX does not match to the WK# pay rate of $XXXX. Annual salary of $XXXX calculated semi-mo pay rate is $XXXX.<br>2) Missing employer letter of explanation for the variance between wages reported on the W2s/Wage transcripts and the WVOE/WK#. - 02/07/24 Part 2 Cleared, the difference reporting on the W-2 of $XXX versus the $XXX is $XXX which was deductions that were not included in the Line 1, Short term Disability, Group term life for employee and group term life child.;<br>01/22/23 Part 1 of the exception is cleared upon further review of the pay stub and TWN WVOE.<br>|  |
| 900000727 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 742 indicator credit score. Borrower mortgage history for prior 24 months paid 0x30 for both subject residence and additional home owned. ; Verified reserves - 28 months of reserves verified when guidelines do not require any. ; Low DTI - Low 9.20% DTI when guidelines allow up to 45% based on income calculated from bank statement program.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender approval. - 01/10/24 Lender loan approval received.<br>|  |
| 900000747 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Both borrowers have employment longevity. B1 has been on their job for 15 years per the VOE in file. B2 has been on their job for 19 years per VOE in file. ; Verified housing payment history - 33 months of verified mortgage history paid 0x30 per credit report. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD reflects Estimated Taxes, Insurance & Assessments of $X with Estimated Property Costs over 1 year of $X. Review calculated $XXX per mth with an estimate of 11 mths totaling $XXX. - EV2 Post Closing Corrective Action -- PC CD dated (##/##/##) w/LOE to the borrower received. <br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for increase in Courier - Title fee is paid to affiliate chosen from Service Provider List. -- - 2/5/2024 - Exception is cured with the attached PCCD, Letter of Explanation, Refund Check, and tracking slip to evidence delivery to borrower was completed within 60 days from closing. Reopened rescission is not required as the fee tolerance violation is considered non-material. TRID 0195 Exception Overridden to EV2; |  |  |  |
| 900000738 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 49 months satisfactory mortgage rating.; Verified credit history - Middle credit score 719 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 59.75% CLTV < 85% Max Allowed.; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material<br>TRID 0147 LE or CD Loan Terms Section is Deficient - CD is deficient. No selection was made as to whether the borrower declined the escrow account or if it was not offered by the lender. - EV2 Non-Material |  | APRV 0003 Missing Loan Approval Date - Missing underwriter decision with documented loan approval date. - 1/12/2024 - Exception is cleared with the attached underwriting Decision. APRV 0001 Exception Cleared;<br>CRED 0082 Income Documentation is Insufficient - Missing employer explanation for missing two years income on WVOE. - 1/16/2024 - Exception is cleared with the attached documentation that evidences borrowers employment was acquired by present employer. W2 covering prior to acquisition provided in file. Time with present employer 1.99 years after borrower returned from a leave of absence. CRED 0082 Exception Cleared;<br>|  |
| 900000728 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Middle credit score 811 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 60.18% CLTV < 85% Max Allowed.; Low DTI - 29.35% DTI < 45% Max Allowed.; | TRID 0148 LE or CD is Deficient - CD loan disclosure section is deficient; there is no selection made as to whether the borrower declined an escrow account or if an escrow account was not offered by the lender. - EV2 Non-Material |  | APRV 0003 Missing Loan Approval Date - Missing underwriting decision with the documented loan approval date. - 01/12/24 Lender loan approval received.<br>|  |
| 900000739 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for over 7 years.; Verified credit history - Borrower indicator credit score is 734 with all credit reporting on credit report paid 0x30. ; Net tangible benefit - Borrower paid off debt with subject loan transaction eliminating $XXXX in monthly payment outlay reducing debt owed by $XXXX. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated XX/XX/XX disclosed Estimated Taxes, Insurance, and Assessments of $2 and disclosed Non Escrowed Estimated Property Costs over 1 year of $22. Review calculated amount $XXX (Taxes $XX mth/$XXX yr, HOI $XX mth/$XX yr). - EV2 Post-Closing Corrective Action- 01/23/24 LOE to borrower and corrective PC CD received. PC CD disclosed Estimated Property Costs over Year 1 of $XXXX which is based on 11 mths.<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | COMP 0043 Compliance Submission Pending Update<br>CRED 0091 Missing Tax Transcript(s) - Missing XXXX Wage and Income transcripts for B1. - 01/22/23 1040 transcripts received.<br>|  |
| 900000745 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been on the job with same employer for 8 years. ; Net tangible benefit - Borrower paid off two Consumer accounts eliminating $XXXX in total debt eliminating payments of over $XXX per month. ; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - PC CD reflects a lender credit of $XX was added. Credit is not reflected on the final HUD or final CD. Missing evidence of refund check to the borrower, LOE explaining the reason for re-disclosure, and proof delivery to borrower. -- - 2/2/2024 - Attached copy of the final settlement evidences that that the borrower was credited the $XX at closing, as disclosed on the PCCD. TRID 0195 Exception Overridden to EV2; |  |  |  |
| 900000746 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 74 combined months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.36% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 737/756 with no history of delinquency reported. Minimum credit score required 680.; Net tangible benefit - Borrower paid off consumer debt with subject transaction eliminating $XXX in monthly payments and $XXXX in total debt.; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed taxes and insurance of $X with property costs in 11 months of $XX is inaccurate. Actual taxes and insurance is $XXX with property costs in 11 months of $XXX. - EV2 Post Closing Corrective Action -- PC CD dated XX/XX/XX w/LOE to the borrower received. |  | CRED 0082 Income Documentation is Insufficient - Missing employer confirmation of employment dates.<br>NOTE: The (WVOE) doesn't confirm when employment ended prior to the most recent start date, thus unable to confirm the employment gap dates. - 2/5/2024 - Attached email correspondence confirms employment dates, thus 5.5 month gap identified with 24+ years employment pre gap and 7+ months post gap documented. CRED 0082 Exception Cleared;<br>APPR 0046 Missing Third Party Appraisal Review - Missing third party Appraisal review per Investor as SSR's in file did not return scores - 01/13/24 AVM received with value of $XXXX, Confidence 93%, FSD 0.07.<br>COMP 0047 File Documentation is Incomplete (Compliance) - Missing copy of B2 valid state issued identification card. Drivers license provided in file expired prior to the application date. The Patriot Act for has a handwritten correction changing the expiration date, however, a copy of the ID was not provided. - 01/25/24 Copy of valid state issued driver's license received.<br>TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing evidence of delivery to borrower of the latest issued LE. Timing requirement not met with the US Mailbox Rule applied. - 01/17/24 Copy of LE dated and eSigned (##/##/##) received.<br>APRV 0010 Underwriting Loan Approval is Deficient - Approval in file indicates loan to close by XX/XX/XX or be re-underwritten. Loan closed after the expire date and no updated approval provided. - 01/17/24 Updated approval received.<br>CRED 0091 Missing Tax Transcript(s) - Missing most recent two years Wage and Income transcripts for B1 and B2 - 1/26/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared;<br>|  |
| 900000778 | XXXX | Funded | 2 | 2 | 2 | 2 |  |  |  | Verified housing payment history - Credit report confirms 54 months combined satisfactory mortgage rating.; Verified credit history - Middle credit score 779 with no history of delinquency reported. Minimum credit score required 680.0; Net tangible benefit - Borrower paid off consumer debt with subject refinance eliminating $XXXXX in total monthly debt and $XXX in monthly payments. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed property tax and insurance payment of $X with property costs in year 1 of $XX is inaccurate. Actual taxes and insurance is $XX/mo. Review calculated property costs over 11 months is $XX - EV2 Post Closing Corrective Action -- PC CD dated xx/xx/xx w/LOE to the borrower received. <br>CRED 0017 Insufficient Verified Reserves (Number of Months) - NEW EXCEPTION 2/26 (REFER APPR 0046): Cash Out Proceeds < 2 Months Minimum Reserves Required for CLTV > 75%. - Investor acknowledged exception for reserves.<br>APPR 0046 Missing Third Party Appraisal Review - Missing secondary valuation (BPO). (Diligence to order) - 2/26/2024 - Recd response from investor, "We are ok to proceed with the updated CLTV calculation using the lower BPO value". APPR 0046 Investor Acknowledged Exception;<br>GIDE 0001 Guideline Exception(s) - AVM provided does not meet the guideline requirements of having a minimum confidence score of 90%, FSD 0.10. AVM dated XX/XX/XX returned w/a confidence score of 89% and FSD of 0.11. Additional valuation product required. - Investor Acknowledged Exception. |  |  |  |
| 900000735 | XXXX | Funded | 2 | 1 | 2 | 2 |  |  |  | Verified employment history - Borrower has been employed with same employer for 25 years.; Verified housing payment history - 78 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt eliminating $XXXX in total monthly payments. ; | TRID 0148 LE or CD is Deficient - Loan Disclosures, Escrow Account information section on the Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material<br>APPR 0039 Appraisal Value is not supported by comparables - Appraisal value is not supported by the comparables provided. Although the subject value is not supported by the comps provided, SSR reports in file both reflect scores within acceptable tolerance. - EV2 FNMA SSR Score 1.7, FHLMC SSR Score 1. |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. - 1/16/2024 - Exception is cleared with the attached underwriting Decision. APRV 0001 Exception Cleared;<br>|  |
| 900000731 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Borrower paid off consumer debt with subject transaction totaling $XXXX that eliminates $XXX in monthly payments. Also borrower paid off taxes totaling $XX.; Verified housing payment history - 123 months of combined mortgage history paid 0x30 per credit report. ; |  |  |  |  |
| 900000734 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in total consumer debt eliminating $XXX in monthly payments. ; Verified housing payment history - 96 combined months of mortgage history paid 0x30 per credit report. ; |  |  |  |  |
| 900000732 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt eliminating $XXX in total monthly payments. ; Verified housing payment history - 64 combined months of mortgage history paid 0x30 per credit report. ; |  |  |  |  |
| 900000736 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with the same employer for 17 years.; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject refinance eliminating $XXX in monthly payments. ; Verified housing payment history - 83 combined months of mortgage history paid 0x30 per credit report. ; |  |  |  |  |
| 900000740 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 25 months of current mortgage history on subject loan paid 0x30 per credit report. ; Verified reserves - Verified 5 months for subject loan and 2 months for PITIA reserves when guidelines require none. ; Low LTV/CLTV/HCLTV - 9.20% LTV when guidelines allow up to 85%. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Lender disclosed Estimated Taxes, Insurance and Assessments of $XX (Tax and Ins $XX, HOA $ XX) with Estimated Property Costs over Year 1 of $XX (11 mths). Escrows for taxes and insurances verified to be escrowed in 1st lien. Review calculated Estimated Property Costs over Year 1 of $XXX (HOA only) or $XXXX with taxes, insurance, and HOA. - 1/26/2024 - Exception is cured with the attached PCCD with the corresponding letter of explanation. TRID 0204 Exception Overridden to EV2; |  | HAZ 0005 Missing evidence of Hazard Insurance - Missing HOI Deck page renewal. HOI policy in file expired prior to the first payment on XX/XX/XX and does not reflect the 2nd mortgagee. Review used $XXX per month or $XXXX premium to qualify per Lender 1008. - 01/25/24 Evidence of current HOI policy received. Policy expiration date XX/XX/XX.<br>APP 0004 Initial 1003 Application is Incomplete - Missing Borrower and LO executed initial 1003. Copy in file reflects no signatures. - 01/25/23 Copy of borrower and LO executed initial 1003 received. <br>CRED 0091 Missing Tax Transcript(s) - Missing evidence of XXXX tax transcript per g/line requirement. - 1/29/2024 - Exception is cleared with the attached tax transcript. CRED 0091 Exception Cleared;<br>|  |
| 900000741 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 22 years. ; Net tangible benefit - Borrower paid off consumer debt with subject transaction totaling $XXXX eliminating $XXX in total monthly payments.; Income verified was not used in qualifying - Borrower has history of earning greater income than amount used in qualifying based on past years and YTD earnings averages. ; Verified housing payment history - 95 combined months of mortgage history paid 0x30 per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. - EV2 Non-Material |  | TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing documentation to verify borrower receipt of the LE issued XX/XX/XX. - 01/25/24 Disclosure tracking details received confirming borrower receipt XX/XX/XX.<br>|  |
| 900000756 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 53 combined months of mortgage history paid 0x30 per credit report. ; Verified credit history - 725 indicator credit score with all credit history paid 0x30 per credit report. Oldest reporting tradeline from XX/XXXX, which is 16 years of satisfactory credit history. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Lender disclosed Estimated Taxes, Insurance, and Assessments of $XX (Taxes and Insurance $X and HOA $XXX) with Estimated Property Costs over Year 1 of $XXXX. Review calculated Estimated Taxes, Insurance, and Assessments of $XXX for HOA only as taxes and insurance are included in the first lien escrows with the Estimated costs for 11 mths of $XXX. Lender disclosed on final CD that no escrow account required as Lender does not offer one. - 1/26/2024 - Exception is cured with the attached PCCD and corresponding cover letter. TRID 0204 Exception Overridden to EV2;<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | CRED 0091 Missing Tax Transcript(s) - Missing XXXX/XXXX Wage and Earnings Tax Transcripts as required per guidelines. Email copy in file confirm an order date of XX/XX/XX. - 1/26/2024 - Recd most recent two years wage transcripts confirming wage income. CRED 0091 Exception Cleared;<br>CRED 0082 Income Documentation is Insufficient - Missing XXXX 1099 for XXXX or XXXX Wage and Earnings transcript to confirm earnings for XXXX. Per benefit letter in file, effective date was XX/XX/XX. <br>- 1/26/2024 - Recd most recent two years wage transcripts confirming wage income. CRED 0082 Exception Cleared;<br>|  |
| 900000743 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off consumer debt with subject transaction totaling $XXXX eliminating $XXX in total monthly debt. ; Verified employment history - Borrower has been employed with current employer for 6 years plus. ; Verified housing payment history - 65 combined months of mortgage history paid 0x30 per credit report. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed Projected Estimated Costs on Final CD issued are $XXX. This is 11 months of estimated HOA costs plus $X per month other. Review calculated Estimated Taxes, Insurance, and Assessments of $XX for HOA only as taxes and insurance are included in the first lien escrows with the Estimated costs for 11 mths of $XXX. Lender disclosed no escrow account needed as Lender does not offer one. - 1/26/2024 - Exception is cured with the PCCD and corresponding letter of explanation. TRID 0204 Exception Overridden to EV2; |  | CRED 0091 Missing Tax Transcript(s) - Missing Wage and Income Transcripts for most recent two years on both borrowers as required per guidelines. - 01/25/24 Wage and income transcripts received for B1 and B2. <br>|  |
| 900000768 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history; Verified housing payment history; | TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) |  | APRV 0001 Missing Underwriter Loan Approval<br>|  |
| 900000757 | XXXX | Funded | 2 | 1 | 2 | 2 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in total consumer debt eliminating $XXX in total monthly payments. ; Verified employment history - Borrower has been with current employer for 37 years. ; Verified credit history - Borrower middle credit score 814 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 70.25% CLTV < 85% Max Allowed.; | APPR 0046 Missing Third Party Appraisal Review - Missing BPO as required by Investor (Diligence Ordered XX/XX/XXXX). - Investor Acknowledged - BPO Value returned returned outside the acceptable 10% allowable tolerance at $XXXX / -15.86%. Investor accepts and will base LTV/CLTV on value of $XXXX. Final review LTV/CLTV 23.08% /83.49%. <br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed taxes and insurance of $X with property costs over 11 months of $XX is inaccurate. Actual taxes and insurance is $XXXX with property costs over 11 months of $XXX. - EV2 Post-Closing Corrective Action-- 02/08/24 PC CD received. 02/09/24 LOE to borrower received. |  |  |  |
| 900000780 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXX in consumer debt and an obligation of $XXXX with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower1 has been with same employer for 14 years. ; | TRID 0148 LE or CD is Deficient - Final CD dated XX/XX/XX Loan Disclosures does not indicate if the borrower declined an escrow account or if one was not offered. - EV2 Non-Material<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - B2 executed the final CD and Mortgage DOT XX/XX/XX. Loan Disbursed XX/XX/XX which is the date that the ROR should reflect as the expiration date based on the signing date of XX/XX/XX (XX/XX/XX Federal Holiday). Final review is pending receipt of executed ROR's. Note if loan funded prior to recession period expiring, recession will have to be reopened and new RORs executed. - 2/7/2024 - Exception is cured with the attached PCCD and corresponding letter of explanation. ROR 0009 Exception Overridden to EV2; |  | CRED 0082 Income Documentation is Insufficient - Missing XXXX YTD P&L for self-employment for B2. XXXX income decline was greater than 40%. <br>APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. - 1/26/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared;<br>ROR 0001 Missing Right of Rescission - Missing executed RORs. Final compliance review pending. - 2/1/2024 - Exception is cleared with the attached ROR. ROR 0001 Exception Cleared;<br>|  |
| 900000750 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has five mortgage accounts reporting on credit all paid 0x30 for all months reviewed. Four of the five accounts are reporting for 40 months of history. ; Verified employment history - Borrower has been employed with current employer for 13 years. ; | GIDE 0001 Guideline Exception(s) - Asset depletion use for other income is unacceptable for FNMA on cash out refinance (Income Assessment/other sources of income: Employment-Related Assets as Qualifying). Investor acknowledged exception in file. - Investor Acknowledged Exception<br>CRED 0020 Loan Amount Exception - Subject loan amount is $XXXX. Guidelines max allowed is $XXXX. No evidence of granted exception for loan amount. Investor provided email on XX/XX/XX they allow this Seller to go up to $XXXX. - Investor Acknowledged exception for lender up to $XXXX. |  | CRED 0082 Income Documentation is Insufficient - Missing XXXX/XXXX K1s to verify ownership percentage of business. If ownership is 25% or greater business return(s) will be required. \*Note No income was used from this business per the final 1003. - 1/30/2024 - Exception is cleared with the attached two years schedule K-1s confirming < 25% ownership. CRED 0082 Exception Cleared;<br>CRED 0006 Missing Employment doc (VVOE) - Missing 3rd party verification of self-employment. - 1/30/2024 - Exception is cleared with the attached post-consummation dated SOS; no income was considered in qualifying. CRED 0006 Exception Cleared;<br>APRV 0003 Missing Loan Approval Date - Missing lenders underwriting decision with the loan approval date. - 02/05/24 Lender loan approval received.<br>|  |
| 900000748 | XXXX | Funded | 2 | 2 | 1 | 2 |  |  |  | Verified employment history - Borrower has been employed for 7 years with same employer. ; Verified housing payment history - 87 combined mortgage history paid 0x30 per credit report. ; | APPR 0046 Missing Third Party Appraisal Review - BPO required per investor requirements for AVM. (Diligence ordered XX/XX/XX) - 1/30/2024 - Recd response from investor, Use the lower value for LTV/CLTV. Updated CLTV 60.19% < 85% Max Allowed. APPR 0046 Investor Acknowledged Exception; <br>GIDE 0001 Guideline Exception(s) - 1) AVM confidence score of 86 / FSD 0.14 does not meet the guideline requirements. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation.<br>2) Missing investor acknowledgement for separate AVM and Property inspection. AVM provided by XXX, property inspection by XXX. - Investor Acknowledged Exception |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender loan approval. Missing Lender 1008. Copy in file is only partial of page. <br>UPDATE 1/31: CLTV is to be recalculated using the lesser BPO value of $XXXX. - 02/05/24 Lender loan approval and 1008 received.<br>DEED 0021 Missing Legal Description on Mortgage/DOT - Missing referenced "Exhibit A" Legal Description not attached to or contained within Mortgage.<br>- 02/05/24 Complete copy of executed Mortgage/DOT w/Exhibit A received.<br>|  |
| 900000766 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off $xxxx in total consumer debt with subject transaction eliminating $xxx in monthly payments. ; Verified housing payment history - 49 months of combined mortgage payment history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with present employer for 12 years.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated xx/xx/xx disclosed Estimated Taxes, Insurance, and Assessments of $x for taxes and Insurance with Estimated Property Costs over Year 1 of $xx. Review confirmed that taxes and insurance are escrowed on the first lien. Estimated property costs $x. - EV2 Post-Closing Corrective Action --02/25/24 PC CD received w/LOE to the borrower. Estimated Taxes, Insurance, and Assessments updated to actual amount $xxx for taxes and Insurance with Estimated Property Costs over Year 1 of $xxx (11 mths).<br>PROP 0002 Property Type is prohibited - Subject property location is reflected to be xx, on x acres. LRP Guidelines do not allow for xx property location. - Investor Acknowledged Exception for xxxx property.<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations.<br>- Ev2 Non-Material |  | CRED 0093 Credit Documentation is Insufficient - Missing documentation or a credit supplement to confirm two original Student Loan debt collection accounts have zero balances Inclusion of debt results in an excessive DTI. - 02/14/23 Credit Supplement dated xx/xx/xx received. Supplement verifies accounts are a duplicates.<br>|  |
| 900000749 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 138 combined months of mortgage housing paid 0x30 per credit report.; Verified employment history - Borrower has been with current employer for 23+years. ; |  |  | CRED 0006 Missing Employment doc (VVOE) - Missing VVOE for B1 dated w/in dated within 10 days prior to the Note. The VOE document in file is stale-dated and is addressed to the Borrower and not the Lender. - 1/31/2024 - Exception is cleared with the attached WVOE. CRED 0006 Exception Cleared;<br>|  |
| 900000744 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off consumer debt totaling $XXXX with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 142 combined months of housing history paid 0x30 per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. - EV2 Non-Material |  |  |  |
| 900000752 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 80 combined months of housing history paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 701 for the primary wage earner (B1) with all credit history reporting on credit to be paid 0x30. ; Net tangible benefit - Borrowers paid off $XXX in consumer debt with subject transaction eliminating monthly debt of $XXX per month. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations<br>- EV2 Non-Material |  |  |  |
| 900000753 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off consumer debt totaling $XXX with subject refinance eliminating $XXX in total monthly payments. ; Verified housing payment history - 90 combined months of housing payments paid 0x30 per credit report. ; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR LE XX/XX/XX 10.43%, APR CD XX/XX/XX 10.389%, APR CD XX/XX/XX 10.38% - EV2 Non-Material APR decreased 0.050% |  | PROP 0002 Property Type is prohibited - Missing Investor acceptance of Property type. Subject property location is reflected to be XXX. LRP Guidelines do not allow for XXX property location. - 02/05/24 Investor Exception approval dated 01/22/24 received. <br>|  |
| 900000791 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 54 combined months of housing payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in total debt with subject transaction eliminating $XXX in monthly payments. ; | PROP 0002 Property Type is prohibited - Missing Investor acceptance of Property type. - Investor Acknowledged Exception |  | CRED 0015 Questionable Occupancy - Hazard policy does not reflect personal property coverage which suggested the occupancy is not confirmed. Borrower uses PO Box. Missing letter of explanation with current utility bill to confirm occupancy. - 02/12/24 LOE from borrower received w/current utility bill.<br>CRED 0004 Back-end Ratio exception (DTI) - 51.07% DTI exceeds the LRC guideline max of 45%. Review income calculated based on paystub YTD, XXXX and XXXX year ending paystubs averaged. The 3RD Party VOI did not provide a breakdown of earnings for XXXX, thus stubs were used. Lender income worksheet in file does not support the income reflected on the final 1003 and 1008. Unable to confirm how Lender derived at higher income figure. Review lower average results in excessive DTI. - 02/13/24 Updated 1008 and updated income worksheet provided by UW. Final DTI 43.98%. Review updated income calculation's per worksheet which was supported by TWN WVOE, XXXX and XXXX year end pay stubs. Review final DTI 43.98%.<br>HCOST 0001 High Cost Failure - The loan fees ($2,784.62) exceed the (XX) High Cost fee limit, which is ($2,775.00), the difference is ($9.62). - 02/13/24 Copy of final settlement statement received with lender response. Fee naming updated and finding cleared upon resubmission.<br>NOTE 0006 Missing Subordination Agreement - Subordination agreement for Solar UCC filing states new loan amount was not to exceed $XXXX. Actual loan amount $XXX. - 02/12/24 Updated subordination agreement reflecting the correct subject loan amount of $XXXX received.<br>|  |
| 900000761 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in total consumer debt with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 64 combined months of housing history paid 0x30 per credit report. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed property tax and insurance of $X with property costs over 11 months of $XX is inaccurate. Actual tax and insurance is $XXX with property costs over 11 months of $XXXX. - 2/7/2024 - Exception is cured with the attached PCCD and corresponding letter of explanation. TRID 0204 Exception Overridden to EV2; |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing updated Lender Approval to confirm not expired. - 2/7/2024 - Exception is cleared with the attached updated approval; new expirey is after the Note date. APRV 0010 Exception Cleared; <br>|  |
| 900000751 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Middle credit score 760 with no history of delinquency reported.; Verified housing payment history - Credit report confirms 54 combined months satisfactory mortgage rating.; Net tangible benefit - Borrower paid off consumer debt totaling $XXXX with subject transaction eliminating $XXX in monthly debt. ; Income verified was not used in qualifying - Borrower has additional income earnings that were not used to qualify.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed taxes, insurance, and HOA of $XXX with property costs of $XXX was developed using the escrow payment from the 1st lien escrow and HOA Fee. Tax cert indicates borrower is exempt from paying property taxes which was effective XX/XX/XX. Initial grade EV2 due to the taxes, insurance, and HOA being overstated. - EV2 Non-material |  |  |  |
| 900000759 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 116 combined months of housing history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt with subject refinance totaling $XXXX eliminating $XXXX in monthly payments. ; Verified employment history - Borrower has been with current employer for 23 years plus. ; |  |  | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed estimated taxes and insurance of $XXX with property costs of $XXXX is inaccurate. Actual taxes and insurance is $XXXX with property costs over 11 months of $XXX. - 2/7/2024 - "Please see the attached showing the UW calculated the insurance correctly at $XXX mo. I believe they were looking at the old premium, please see attached insurance reflecting the new premium amount." \*\* Exception is cleared with the attached hazard insurance renewal with annual premium of $XXX. TRID 0204 Exception Cleared;<br>APRV 0001 Missing Underwriter Loan Approval - Missing Lender Approval. Unable to confirm loan approval date. - 2/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared;<br>|  |
| 900000784 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in total consumer debt eliminating $XXX in monthly payments. ; Low LTV/CLTV/HCLTV - Low 17.16% LTV and 45% CTLV (rounded) when guidelines allow up to 85% LTV.; Verified housing payment history - 119 combined months of housing payment history paid 0x30 per credit report. ; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC to address increased recording fee from $115 to $216.50. COCs in file address rate lock and increase in Lender's title policy and closing fees. Difference in allowable charges $90. -- - 2/27/2024 - Recd PCCD, LOE, refund check, and courier tracking slip. Tracking confirms deliver 2/29, which is within 60 days from discovery. TRID 0124 Exception Overridden to EV2; |  | APPR 0046 Missing Third Party Appraisal Review - Missing BPO as required by Investor (Diligence Ordered 02/02/24) - 02/05/24 BPO received value of $XXXX supported.<br>|  |
| 900000758 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 7 plus years.; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified housing payment history - 101 combined months of housing payment history paid 0x30 per credit report. ; |  |  | INS 0001 Missing Sufficient Evidence of Insurance - Missing documentation to verify the HOI annual premium to confirm $XXX payment used to qualify. Declarations page in file does not confirm the annual HOI premium. - 2/6/2024 - Exception is cleared with the attached EOI reflecting the annual premium to support the qualifying payment. INS 0001 Exception Cleared;<br>|  |
| 900000781 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 74 combined months of housing history paid 0x30 per credit report; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; |  |  | CRED 0004 Back-end Ratio exception (DTI) - Review DTI of 60.58% exceeds max allowed of 45% per LRC guidelines. Per lender 1008, the 1st lien mortgage payment with XXX of $XXX (P&I) was omitted from the total housing payment and qualifying. <br>Lender income reflected on 1008 and final 1003 is primary employment (hourly at XX hours) and Borrower income for dependent of $XXX per month. File contains an additional verification that was no considered in qualifying. Review did not consider more income than that of the Lender. DTI exceeds guidelines.&nbsp;&nbsp;&nbsp;&nbsp; - 02/21/24 Current bank statements confirming receipt of income received. Bank statements support borrower as rep payee. DTI with income 43.80%<br>CRED 0045 Questionable continuation of income - Missing documentation to verify proof of current receipt and documentation to verify 3 year continuance of benefits received as required. Borrower receives benefits for XX individuals, relationship unknown. - 02/21/24 Current bank statements confirming receipt of income received. Bank statements support borrower as rep payee. <br>APRV 0001 Missing Underwriter Loan Approval - Lender loan approval not in file. Unable to confirm approval date and any conditions of approval. - 02/09/24 Lender loan approval received.<br>|  |
| 900000774 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low LTV at 5.94% and Low CLTV of 22.66%. Guidelines allow up to 85% LTV.; Verified housing payment history - 131 combined months of mortgage housing history paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 804 with all credit reported on credit report paid 0x30. No derogatory credit reflected in history with oldest tradeline reflected to date back to XX/XXXX. ; | TRID 0148 LE or CD is Deficient - Loan disclosures / Escrow section of the final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material |  | APPR 0046 Missing Third Party Appraisal Review - Missing BPO as required by Investor (Diligence Ordered 02/06/24). - 02/08/24 BPO received. Value returned at XXXX which is a variance of less than 1%.<br>APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. - 02/08/24 Lender loan approval received.<br>TRST 0001 Missing Inter Vivos Revocable Trust Agreement - Trust Certification / Agreement not in file. Loan closed in name of Trust. - 02/12/24 Copy of trust documents received.<br>|  |
| 900000767 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - Credit report history dates back to XXXX with no late payments reported.; Income verified was not used in qualifying - The borrower receives bonus income that was not considered in qualifying; | COND 0002 Condo Documentation is Insufficient - Per guidelines, Fannie Mae form 1076 or equivalent project questionnaire required on non-detached condos. The file contains a condo review and evidence the project is approved by FNMA but the actual condo questionnaire was not in the file. - Investor Acknowledged Exception - Verification project is warrantable in file as verified by FNMA project approval.<br>APPR 0044 HPML Appraisal Requirements are Not Met - The appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | CRED 0121 Loan disbursed prior to loan transaction date. - The last Closing Disclosure in the file reflects the closing and disbursement date as XX/XX/XX, the borrower signed on XX/XX/XX. - 02/14/24 Final CD and PC CD received confirming disbursement date of XX/XX/XX.<br>APRV 0001 Missing Underwriter Loan Approval - Missing the lender's Loan Approval, only an unsigned 1008 that does not reflect the correct interest rate is in the file. - 2/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared;<br>HUD 0001 Missing Final HUD-1 - Missing final CD. Subject property is in a dry funding state and the last CD in the file is the one signed at closing. The disclosure reflects the wrong closing and disbursement date. Additionally, the lock was extended on XX/XX/XX) indicating disbursement did not occur until after the XX/XX/XX lock expiration. - 02/15/24 Final settlement statement received.<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Subject loan is a second lien transaction on the borrowers primary residence as confirmed by the Occupancy Affidavit. The Notice of Right to Cancel was signed at closing reflecting the rescission period did not expire until XX/XX/XX. The final CD reflects the loan disbursed on XX/XX/XX, no rescission period. The ALTA settlement statement reflects the disbursement date as XX/XX/XX, insufficient rescission period. - 02/15/24 Final CD and PC CD confirming disbursement date of XX/XX/XX received.<br>|  |
| 900000760 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  |  | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | CRED 0006 Missing Employment doc (VVOE) - Missing VVOE for B2 dated w/in 10 days of the Note date. VVOE in file was completed > 10 days.<br>NOTE: XX/XX/XX - Exception for B1, not B2. - 2/7/2024 - Exception is cleared with the attached post consummation dated VOE to support the pre-consummation dated VOE in file. CRED 0006 Exception Cleared;<br>|  |
| 900000770 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 78 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations - EV2 Non-Material<br>TRID 0148 LE or CD is Deficient - Loan Disclosures/ Escrows Section of the Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. - 02/07/24 Lender loan approval received.<br>|  |
| 900000765 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Borrowers paid off consumer debt totaling $XXXX with subject transaction eliminating $XXXX in total payments. ; Verified employment history - B1 has been on job with same employer for 12 years and B2 has been with same employer for 23 years. ; Verified housing payment history - 99 combined months of mortgage pay history paid 0x30 for 99 months reviewed. ; |  |  |  |  |
| 900000779 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 103 combined months of mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been on the job with the same employer for 5 plus years. ; Income verified was not used in qualifying - Verified income not used to qualify.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - The PC CD reflects APR reduction by .162. CD signed at closing 12.958%, post closing CD 12.796% - EV2 Non-Material, APR Decreased.<br>APPR 0044 HPML Appraisal Requirements are Not Met - The appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | TRID 0146 LE / CD Re-Disclosure Made Post-Consummation - PC CD dated xx/xx/xx reflects updates to the following fess: Doc prep fee $100, updated to lender paid, Settlement fee $500, updated to lender paid. Final settlement statement reflects these fees as borrower paid. Missing evidence of refund of $600 in fees to borrower. (Verified no principal reduction per servicing history p 6.) - 2/20/24 - Recd final ALTA settlement statement from title reflecting the seller credit and disbursement to borrower $xxxxx ($xxxxxx on ALTA at closing)<br>|  |
| 900000773 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 15 years plus. ; | GIDE 0001 Guideline Exception(s) - Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. File contains a AVM effective XX/XX/XX and separate Exterior PCR- Property Condition Inspection dated XX/XX/XX. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) Must be an approved AVM provider. Additional Property Details report in file. - Investor Acknowledged Exception |  | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - LE XX/XX/XX APR 10.066%<br>Initial CD APR 10.086%<br>Interim CD APR 10.216%<br>Final CD APR 10.229%<br>- 02/15/24 Confirmation from lender received that for TRID CD and LE purposes Saturday is considered as a business day.<br>APPR 0008 Subject Property Address does not match Appraisal Address - AVM reflects the City name of XX, XX while the Note and Property Condition Report reflect XX, XX. - 02/09/24 Cleared per lender response with supporting searches: Per internet search of address the results return the same property. In addition the property APN on the AVM and PCR both match title report.<br>APPR 0046 Missing Third Party Appraisal Review - Missing BPO as required by Investor (Diligence to Order). - 02/12/24 BPO received, value returned at $XXXX.<br>APRV 0001 Missing Underwriter Loan Approval - Missing the underwriting approval. - 02/09/24 Lender loan approval received.<br>|  |
| 900000782 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 11.4 mths reserves verified w/a minimum requirement of 2.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Unable to validate lenders disclosed Estimated Taxes, Ins, & Assessments of $XXXX and Estimated Property Costs over Year 1 of $XXXX (11mths). Annual taxes per tax cert and tax information sheet $XXXX. HOI Total Policy Premium $XXXX, Total XXXX / 12 = XXXX x 11 = XXXX. - 2/26/2024 - Exception is cured with the attached PCCD and corresponding LOE. TRID 0204 Exception Overridden to EV2. |  | INS 0001 Missing Sufficient Evidence of Insurance - Missing evidence of insurance in place at the time of closing. Insurance documentation in the file is for the renewal policy effective XX/XX/XX, loan closed XX/XX/XX. - 02/13/24 Copy of current policy received. <br>APRV 0010 Underwriting Loan Approval is Deficient - Missing the final Underwriter Approval. There is an approval in the file but it reflects the wrong loan amount and interest rate. - 02/24/24 Final loan approval received.<br>|  |
| 900000762 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified ownership of subject property - The borrower has owned the subject property since XXXX.; Low LTV/CLTV/HCLTV - LTV is 8.929%, CLTV is 72%; |  |  | APPR 0046 Missing Third Party Appraisal Review - Diligence to order CDA as the FNMA and FHLMC SSR scores both exceed 2.5. - 02/12/24 CDA received supporting value of $XXXX.<br>|  |
| 900000823 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Income verified was not used in qualifying - 3 year history of XXX and XXX for B1/B2 was documented but not considered in the qualifying income by the lender.; Verified housing payment history - 60+ mths of mtg history verified 0x30 per CBR.; Low LTV/CLTV/HCLTV - 67.07% CLTV w/a max allowed of 85% for FICO > 700.; Verified credit history - Qualifying FICO 702 w/a minimum requirement of 680.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Unable to validate lenders calculated Estimated Taxes, Insurance, & Assessments of XXX, Estimated Property Costs over Year 1 of $XXXX (11 mths). Review calculated Estimated TI&A $XXX, Costs over 1 yr $XXXX (11 mths). Taxes per tax cert and title $XXX per yr. HOI Total Premium $XXX. - EV2 Post Closing Corrective Action- PC CD dated XX/XX/XX received w/LOE to the borrower explaining the the reason for re-disclosure. |  | CRED 0096 Missing proof of PITI payment on non-subject property - Credit report reflects a mortgage to XXXX A/# ending in XXXX opened XX/XX which is not tied to an REO on the 1003. Missing documentation to verify property associated with this mortgage. Opening Balance $XXXX, Current Balance $XXXX, Payment $XXX. (Date of last activity XX/XX. Noted that this mortgage is not reflected on title for the subject) - 3/18/2024 - Recd Time Share annual billing statement. Lender also provided updated 1008/1003. B2 income was updated to include bonus and overtime to keep the DTI under 45%.<br>DEED 0005 Mortgage/Deed of Trust is not Recorded - Missing copy of recorded mortgage or a copy of the lender's closing instructions to the settlement agent to verify the requirement to record. - 02/13/24 Copy of recorded Deed of Trust received.<br>|  |
| 900000763 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 785 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 24.59% LTV, 69.09% CLTV w/a max allowed CLTV of 85% for fico > 700.; Verified housing payment history - 60+ mths of mtg history verified 0x30 per CBR (1x30 12/17).; | GIDE 0001 Guideline Exception(s) - Missing investor acknowledgment of separate AVM and property inspection. File contains AVM dated XX/XX/XX and Exterior PCR also dated XX/XX/XX. - Investor acknowledged exception. |  | APPR 0046 Missing Third Party Appraisal Review - Missing BPO supporting $XXXX due to AVM with Property Condition Report used for valuation. Diligence to order. - 02/12/24 BPO Received. Value returned at $XXXX variance of -3.7% within allowable tolerance.<br>|  |
| 900000793 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 28 months satisfactory mortgage rating.; Verified employment history - B1 VOE confirms 7+ years employment with present employer.; Low LTV/CLTV/HCLTV - 80% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 705/730 with no history of delinquency reported. Minimum credit score required 700.; Verified ownership of subject property - 26.33% DTI < 45% Max Allowed.; Verified reserves - 30+ mths of reserves verified.; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - COC dated XX/XX does not provide a reason for the increase to the loan discount from $541 to $1117. - EV2 Post-Closing Corrective Action -- 03/11/24 Delivery Confirmed. XX/XX/XX PCCD dated XX/XX/XX received with LOE to the borrower, refund check.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed property tax and insurance of $X with property costs over 11 months of $XX is inaccurate. Taxes and insurance are escrowed with first lien mortgage $XXXX. Actual documented tax and insurance is $XXXX with property costs over 11 months $XXXX. - EV2 Post-Closing Corrective Action - 02/21/24 PC CD and LOE to the borrower received. Estimated taxes, insurance, & assessments updated. |  | CRED 0017 Insufficient Verified Reserves (Number of Months) - 1.57 months reserves cash in had received at closing < 2 months required for CLTV > 75%. No additional reserves documented in file. Missing investor acknowledgment for insufficient documented reserves. - 02/22/24 Asset statements for B2 received which verify sufficient funds to meet the reserves requirement.<br>|  |
| 900000769 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B2 has 19+ yrs verified w/current employer.; Verified housing payment history - 32 mths mtg history verified 0x30 per cbr.; Verified reserves - 15 mths reserves verified w/cash out proceeds, minimum requirement 2 mths. ; |  |  |  |  |
| 900000847 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - B2 VOE confirms 10+ years employment with present employer.; Verified housing payment history - Credit report confirms 137+ months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 61.70% CLTC < 75% Max Allowed.; Verified credit history - Middle credit scores 705/691 > 680 Minimum Required.; Low DTI - 30.15% DTI < 45% Max Allowed.; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR decreased greater than .125, thus considered a benefit to the borrower. - EV2 Non-Material |  | TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing evidence of the latest issued loan estimate. Timing requirement not met with US Mailbox rule applied. - 3/12/2024 - Exception is cleared with the attached disclosure tracking evidencing delivery of the latest issued LE on the issuance date. TRID 0023 Exception Cleared;<br>DD 0001 Missing Divorce Decree and/or Separation Agreement - Missing B1 divorce agreement. Search in file reflects divorce/separation filed XX/XX/XX. - 04/10/24 Complete copy of BK docs filed XX/XX/XX received. BK docs confirm no liability and that at the time the borrower was actually receiving child support.<br>|  |
| 900000792 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - 719 mid fico w/a minimum requirement of 680.; Verified housing payment history - 64 mths of mtg history verified 0x30 per CBR.; | TRID 0146 LE / CD Re-Disclosure Made Post-Consummation - Post closing CD issued on XX/XX/XX reflects a decrease in recording fees with increased cash to borrower. Disbursement ledger reflects $xxxx wired to the borrower on the funding date xx/xx/xx, missing evidence of refund or principal reduction for the recording fee overcharge. - EV2 Post-Closing Corrective Action- 03/11/24 Delivery confirmed. Copy of refund check to the borrower for $XX received w/LOE and tracking. |  |  |  |
| 900000785 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Credit score 789, minimum required 700; Verified employment history - The borrower has been with their current employer for 17 years.; Low DTI - DTI is 34.67%, maximum 45%.; |  |  | HAZ 0001 Missing Hazard Insurance Proof of Premium - Missing evidence the premium on the renewal insurance policy has been paid. - 2/28/2024 - Exception is cleared with the attached insurance paid receipt. HAZ 0001 Exception Cleared;<br>|  |
| 900000771 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900000786 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Credit report confirms 37 months satisfactory mortgage rating.; Verified credit history - 755 Credit Score > 700 Minimum Required; Low LTV/CLTV/HCLTV - 80.05% CLTV < 85% Max Allowed.; Low DTI - 19.93% DTI < 45% Max Allowed.; |  |  | TITL 0013 Title Policy - Schedule A Exception - Missing junior policy or title supplement with coverage sufficient to cover the loan amount of $XXXX; Preliminary title report reflects coverage of $XXX. - 02/22/24 Updated preliminary title reflecting the proposed loan amount of $XXXX received. <br>|  |
| 900000794 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - The borrower has been with their current employer for 10 years.; Verified ownership of subject property - The borrower has owned the subject property since xxxx.; |  |  | TITL 0014 Title Policy - Schedule B Exception - 1. Missing the judgment release which was to be recorded at closing.<br>2. The preliminary title report includes a survey exception, no survey in the file. - 03/06/24 Notarized Owners Affidavit verifying no improvement's to the property received. <br>|  |
| 900000787 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - B2 VOE confirms 17+ years with present employer.; Verified housing payment history - Credit report confirms 87 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 44.11% CLTV < 85% Max Allowed.; Verified credit history - Middle credit scores 725/790 > 680 Minimum Required.; Low DTI - 21.39% DTI < 45% Max Allowed.; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | CRED 0082 Income Documentation is Insufficient - B1 VOE confirms 19+ years employment, however, only most recent year and YTD information provided. Start date on the 1003 is XXXX. Most recent two years W2s from other employer, with no VOE provided. <br>1) Missing B1 employer confirmation of employment dates. <br>2) Missing B1 prior employer VOE.<br>3) B1 and B2 employer to confirm borrowers are paid XX months out of the year. - 2/29/2024 - Part 1 and 3 of the exception are cleared with the attached email correspondence from the borrowers employer confirming B1 employment dates and that B1 is paid on XX mo basis with B2 being paid on XX mo basis. CRED 0082 Exception Cleared;<br>|  |
| 900000808 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 26 months satisfactory mortgage rating.; Verified employment history - VOE confirms 19+ years employment with present employer.; Low LTV/CLTV/HCLTV - 57.23% CLTV < 75% Max Allowed.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid reason for the addition of the $140 Intangible Tax. Borrower used a provider from the service provider list. - EV2 Post-Closing Corrective Action-- PCCD, LOE, refund check, and verification of delivery received. |  | CRED 0004 Back-end Ratio exception (DTI) - Review DTI 45.72% > 45% Max Allowed; Qualifying income of $XXXX included XXXX and XXXX. YTD income $XXXX / XX = $XXXX. Missing verification of last pay increase from employer to support the use of the base salary of $XXXX instead of the lesser YTD average. Guidelines defer to agency, calculations must be compared with the documented year-to-date base earnings (and past year earnings, if applicable) to determine if the income amount appears to be consistent. - 3/15/2024 - Recd consummation dated and post-consummation pay stubs to evidence qualifying income is supported; Pay rate increased to $XX on the consummation dated pay stub. DTI < 45% with the lesser pay rate of $XX documented in file. CRED 0004 Exception Cleared;<br>|  |
| 900000783 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 17.43 months reserves from the cash out proceeds available, 2 months required.; Verified housing payment history - The credit report reflects 41 months of mortgage payment history, 28 months on the first mortgage, 0x30; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | CRED 0082 Income Documentation is Insufficient - Missing documentation to confirm the borrower's pay while on leave is the same as base pay. Income was calculated from paystub through XX/XX/XX borrower started a 6 week leave on XX/XX/XX with an expected return XX/XX/XX, so there are no paystubs in the file reflecting income while on leave. The employer correspondence does not address if the rate of pay is affected. The borrower is scheduled to return to work prior to the first payment date of XX/XX/XX, but per FNMA the leave pay must be documented if the borrower is on leave at the time of closing. - 02/27/24 Pay stubs for pay periods ending XX/XX/XX and XX/XX/XX received. No change in pay verified.<br>|  |
| 900000772 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 34 months satisfactory mortgage rating.; Verified employment history - VOE confirms 19+ years employment with present employer.; Low LTV/CLTV/HCLTV - 64.06% CLTV < 85% Max Allowed.; Verified credit history - Middle credit score 715 < 680 Minimum Required.; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  |  |  |
| 900000805 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - The borrower is receiving 45.62 months PITIA reserves from the cash out proceeds, only 2 months required.; Low DTI - DTI 23.82%, maximum 45%; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows Section of the Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material |  | APRV 0001 Missing Underwriter Loan Approval - Loan Approval not in file, only an unsigned 1008. - 02/27/24 Lender loan approval received.<br>CRED 0006 Missing Employment doc (VVOE) - Missing VVOE within 30 calendar days prior to the note<br>date for self-employment. The file contains a printout from the website dated xx/xx/xx but does not include the address or phone number. Per FNMA Selling guide a self employment VOE may be completed through a third party, such as a CPA, regulatory agency, or the applicable licensing bureau, if possible; or by verifying a phone listing and address for the borrower's business using a telephone book, the internet, or directory assistance. - 02/27/24 Updated web printout with phone number and address received.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Proof of Insurance does not include premium amount. Unable to determine Hazard Insurance costs. - 03/07/24 Email from insurance agent confirming the total policy premium of $XXXX for policy dated XX/XX/XX-XX/XX/XX received. Monthly estimate updated to XXX.<br>|  |
| 900000795 | XXXX | Funded | 2 | 2 | 1 | 2 |  |  |  | Verified reserves - Borrower is receiving 20.65 months PITIA reserves from the cash out proceeds, no reserves are required.; Verified credit history - FICO score 766, minimum required 680; | PROP 0002 Property Type is prohibited - XX properties are Ineligible - Neighborhood on the appraisal is marked "xx" but the area appears to be xx. Zoning is for xxx, xx. The appraiser did not view any indication of xx use for the subjects xx acres. Due to the conflicting information, clarification from appraiser stating why they consider it xx with these features present or visa versa. - 2/26/2024 - Recd response from investor, We are ok with granting exceptions for the property 1003808. APPR 0029 Investor Acknowledged Exception;<br>APPR 0029 Property Acreage exceeds 10 Acres - Per the appraisal the property is xx acres. Per guidelines properties with more than 10 acres are ineligible. No approved exception located in the file. - 2/26/2024 - Recd response from investor, We are ok with granting exceptions for the acreage. APPR 0029 Investor Acknowledged Exception; |  |  |  |
| 900000797 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV for the subject is 68.75%; Established credit history - Tradelines reported on credit date back to XXXX with no reported late payments.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Unable to validate Estimated Taxes, Insurance & Assessments of $XXX with Estimated Property Costs over Year 1 of $XX (10 mths) on the finial CD. Review calculated Taxes $XX, HOI $XX with Costs over 1 year of $XX (10 mths). - 2/28/2024 - Exception is overridden to EV2 with the attached PCCD and corresponding LOE; estimated escrow updated with 10 months property costs disclosed. TRID 0204 Exception Overridden to EV2; |  | HAZ 0001 Missing Hazard Insurance Proof of Premium - The hazard insurance is not escrowed on the first loan, insurer correspondence states the borrower is on a monthly plan, total premium has not been paid in full. - 02/27/24 Verification HOI policy has been paid in full received.<br>APPR 0046 Missing Third Party Appraisal Review - Investor Requires BPO for to support AVM value of $XXXX. Diligence to ordered. - 02/21/24 BPO received. Value returned at $XXXX. Variance is less than 5% and w/in the acceptable 10% tolerance range.<br>|  |
| 900000826 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 56 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; |  |  | APP 0002 Final 1003 Application is Incomplete - Final 1003 does not disclose additional REO owned by the borrowers documented in file located at XXXX. - 02/27/24 Updated 1003 including additional REO received.<br>CRED 0086 Undisclosed or Excluded Debt - Lease paid off at closing reflected a balance of $XXXX. Lease debt verified on credit report reflected a high credit of $XXXX with a balance of $XXXX. The debt paid off with $XXXX balance was not verified. And, unclear if debt ending #XXXX with $XXX payment should have been considered in total DTI. - 03/27/24 Bill of Sale reflecting a sales price of $XXXX received. Account verified as paid in full for lease/purchase. PC Credit report confirmed no new debt. <br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing evidence of HOA and HOI for reo. Evidence of taxes are in file. Per property report, appears owned free and clear of liens. If no HOI or HOA a LOE from the borrower is sufficient. - 03/06/24 Verification of No HOA fees received.<br>02/27/24 Evidence of insurance for reo received. Payment of $XXX added to qualifying payments.<br>CRED 0004 Back-end Ratio exception (DTI) - ADDED 02/27/24 - Review updated DTI with the addition of HOI expenses for XXXX is 46.27%. Max allowed DTI 45%. - 04/01/24 Income for B2 reviewed and updated. Final DTI 43.36%. <br>|  |
| 900000801 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - The borrower is receiving cash out equal to 12.28 months PITIA reserves. Only 2 months required.; Established credit history - Tradelines reported on credit date back to XXXX with no reported lates.; |  |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Final CD dated XX/XX/XX reflects a disbursement date of XX/XX/XX which is the same as the expiration date on the ROR. - 02/23/24 Final HUD and PC CD verifying actual disbursement dated of XX/XX/XX received. <br>HUD 0001 Missing Final HUD-1 - Missing a copy of the final settlement statement from the closing agent. - 02/21/24 Final HUD received. Disbursement date XX/XX/XX.<br>QMATR 0016 Missing Documentation or Proof of ATR Underwriting Factors - Prior year income is not sufficiently documented. See CRED 0082. Average income cannot be calculated as only 2 weeks income for the current employer is documented. - 2/23/24 - XXXX income documentation including W2s from current and previous employers recd.<br>APRV 0001 Missing Underwriter Loan Approval - Loan Approval not in file., only an unsigned 1008 was provided. - 02/24/24 Approval received.<br>CRED 0082 Income Documentation is Insufficient - Missing sufficient documentation to calculate income including all XXXX income documentation from current and previous employer. The written VOE for the current employer (since XX/XX/XX) does not include the Gross Earnings Breakdown Only a list of the two paystubs earned year to date is provided, along with the first XXXX paystub through XX/XX/XX. The paystub does not indicate the period it covers, only the end date. The WVOE also doesn't provide this information but appears to be weekly based on the paystub dates listed. Unable to determine the average income for the current employer. The only XXXX income documentation provided is from previous employer. XXXX income for previous employer 2 (employed through XX/XX/XX) is also not documented. XXXX W2s would have been available at the time of closing, but there are none in the file. No alternative documentation, such as year end paystubs or written VOE located. - 2/23/24 - XXXX income documentation including W2s from current and previous employers recd.<br>|  |
| 900000828 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - Both borrowers have been with their current employer more than 5 years. ; Verified reserves - Borrowers will receive 19.17 months PITIA from cash out proceeds. No reserves required for this transaction.; | CRED 0091 Missing Tax Transcript(s) - XXXX and XXX income used for income history, XXXX W2 transcripts not in file. Investor approved exception. - Investor acknowledged exception to waive XXXX Wage & Income transcripts.<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material<br>TRID 0187 Missing Evidence of Initial Disclosure(s) - The credit score disclosures provided to the borrowers are inaccurate. Per the credit report, credit scores were returned from all three bureaus, but the disclosures reflect no score returned from TransUnion or Equifax. Only the mid-scores were disclosed. - EV2 Non-Material |  | CRED 0070 Calculated Amortized Term does not match Term of Note - The Note reflects incorrect P&I payment. Note reflects P&I of $XXXX. Loan amount of $XXXX amortized over 360 payments at interest rate XXX% results in P&I $XXXX. - 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate.<br>TRID 0004 Corrected Closing Disclosure No Later Than 3 Business Days Before Consummation (Inaccurate Loan Product) - The final CD dated XX/XX/XX reflects incorrect P&I payment. CD reflects P&I of $XXXX. Loan amount of $XXXX amortized over 360 payments at interest rate XXXX% results in P&I $XXXX. -- - 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate.<br>APRV 0010 Underwriting Loan Approval is Deficient - The approval documents reflect the wrong P&I of XXXX, P&I based on the loan terms is $XXXX. Unable to determine the source of the P&I used. - 04/03/24 Finding cleared, Error identified in diligence submission. P&I is accurate.<br>TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) - 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate.<br>TRID 0078 Last Closing Disclosure Total Interest Percentage (TIP) > System Calculated - 3.041 TIP variance is due to incorrect P&I disclosed in the final CD. CD reflects P&I of $XXXX. Loan amount of $XXXX amortized over 360 payments at interest rate XXX% results in P&I $XXXX. -- - 03/21/24 Lender Mavent report received. Error identified in diligence submission. P&I is accurate. No TIP violation.<br>|  |
| 900000798 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - DTI is 27%, maximum is 45%.; Low LTV/CLTV/HCLTV - CLTV is 57.42%, maximum 85%; Verified credit history - Credit score 773, minimum required 680; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Recording fees increased from $214 to $256.50 which is more than 10% from the initial Loan Estimate. There is a COC form in the file dated xx/xx/xx, however no reason valid reason disclosed on the COC for the increase. - EV2 Post-Closing Corrective Action- PCCD, LOE, refund check, and proof of trackable delivery received. |  | APPR 0046 Missing Third Party Appraisal Review - Missing secondary appraisal review product. SSR scores for the appraisal exceed 2.5. - 02/20/24 AVM received. Value returned at $XXXX. Variance of -5.04% is w/in acceptable tolerance of 10%<br>APRV 0010 Underwriting Loan Approval is Deficient - Missing final UW Approval and 1008 with the corrected LTV and CLTV. The figures on the documents in the file are based on the current appraised value, however since the property was purchased less than 12 months ago the purchase price - $XXXX per the appraisal is to be used for LTV and CLTV calculation. - 02/22/24 Updated 1008 and approval received.<br>|  |
| 900000809 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 50+ mths of mtg history verified 0x30 per CBR.; |  |  | APPR 0046 Missing Third Party Appraisal Review - Review is pending receipt of BPO as required by investor. - 02/24/2024 - Recd 3rd Party BPO; value supports the original appraisal value with -4.8% variance. APPR 0046 Exception Cleared;<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated 02/15/24 disclosed Estimated Taxes, Ins, & Assessments of $XXX w/ Estimated Property Costs over Year 1 of $XXX (11mths). Review is pending verification of subject HOA dues to verify. - 03/13/24 Verification of subject HOA fees received. Review confirmed lender disclosure was accurate.<br>CRED 0133 HOA Payment is not verified - Missing verification of subject HOA dues. Review used XXX per month per the PCR. 1008 reflects $XX per month was used to qualify. - 03/13/24 Screen print that verifies semi-annual assessments-pool access of $XXX received. Print out verifies payments made XX/XX/XX and XX/XX/XX. <br>|  |
| 900000804 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  |  | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated XX/XX/XX disclosed Estimated Taxes, Ins, & Assessments of $XX with Estimated Property Costs over Year 1 of XXXX (11 mths). Review calculated Estimated Taxes, Ins, & Assessments of $XXX with Estimated Property Costs over Year 1 of $XXXX. (HOI $XX / Taxes $XX). - EV2 Post-Closing Corrective Action- LOE and PCCD reflecting corrected Estimated Taxes, Ins, & Assessments received 03/07/24. |  |  |  |
| 900000803 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | CRED 0097 Missing Verification of Liability (Contingent or Otherwise) - Missing copy of most recent statement for credit account ending in XXXX to verify payoff amount of $XXXX was sufficient to pay the account balance in full. Balance on Credit report dated XX/XX/XX $XXXX. - 03/06/24 Statement ending 02/23/24 received reflecting a current balance of $XXXX. Payment of $XXXX left an outstanding balance of $XXX. Review added payment of $XX to liabilities (5% of remaining balance). Review updated DTI 43.17%, max allowed 45%.<br>|  |
| 900000796 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrowers paid off $xxx in consumer debt with subject transaction eliminating $xx in monthly payments.; Verified housing payment history - 47 months of verified combined housing payment history paid 0x30 per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser include an executed certification stating the appraisal was prepared in accordance Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  |  |  |
| 900000870 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Verified housing payment history - 105 combined months of housing paid 0x30 per credit report.; Verified employment history - Borrower has been employed with the same employer for 10 years. ; | APPR 0002 Appraisal is Incomplete - Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. File contains a AVM effective XX/XX/XX and separate Exterior PCI- Property Condition Inspection XX/XX/XX. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) Must be an approved AVM provider. - Investor acknowledged exception for separate AVM and PCI. |  | CRED 0070 Calculated Amortized Term does not match Term of Note - Note states payment of $XXX for 360 months. Calculated payment based on loan amount of $XXX, Interest Rate of X% amortization over 360 mths is $XXX - 4/9/2024 - Exception is cleared with the attached corrected note. CRED 0070 Exception Cleared;<br>TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) - Final CD dated 02/28/24 reflects P&I of XXX. Calculated payment based on loan amount of $XXX, Interest Rate of X% amortization over 360 mths is $XXX -- - 4/26/2024; received copy of payment history showing principal curtailment for $XXX. LOE to borrower previously verified. Exception cleared TPR Error.<br>TRID 0078 Last Closing Disclosure Total Interest Percentage (TIP) > System Calculated - Final CD dated XX/XX/XX reflects P&I of XXX. Calculated payment based on loan amount of $XXXX, Interest Rate of X% amortization over 360 mths is $XX -- - 4/26/2024; received copy of payment history showing principal curtailment for $360. LOE to borrower previously verified. Exception cleared TPR Error.<br>|  |
| 900000855 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Established credit history - Open and active tradelines date back to XXXX without any late payments. ; Verified credit history - Credit score 807, minimum required 680; Low DTI - DTI is 24.94%, maximum allowed 45%; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Estimated Property Costs over Year 1 matches the documented annual taxes and insurance, however per the title commitment the property appears to be in a PUD. Per Zillow the HOA dues are $XX/month, $XXX/year. Using this the Estimated Property Costs over Year 1 are $XXXX. - EV2 Post-Closing Corrective Action - 04/15/24 LOE to borrower received. 4/10/2024 - Recd PCCD. |  | CRED 0133 HOA Payment is not verified - Missing verification of subject HOA dues. The property is in a PUD per title. The appraisal does not indicate the property as being in a PUD but includes PUD in the legal description. (Bank statements reflect $XX/month paid to XXX. - 03/07/24 Updated appraisal reflecting the property as a PUD received for APPR 0076 - Appraisal Discrepancy. HOA information verified with updated appraisal.<br>DEED 0007 Missing PUD Rider - Missing PUD rider to the Deed of Trust. Legal per title "Lot XXX, XXX NO. X P.U.D., a Planned Unit Development, according to the official plat thereof, on file and of record in the office of the XXXX. - 03/27/24 Copy of corrected and recorded DOT w/PUD Rider received.<br>APPR 0076 Appraisal Discrepancy - The appraisal does not indicate the property as being in a PUD as verified by title. The discrepancy is not addressed in the report.&nbsp;&nbsp;&nbsp;&nbsp; - 03/07/24 Updated appraisal reflecting the property as a PUD received. HOA information verified. <br>APRV 0001 Missing Underwriter Loan Approval - Missing Underwriter Loan Approval, only an unsigned 1008 was in the file. - 3/18/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared;<br>TRST 0001 Missing Inter Vivos Revocable Trust Agreement - Missing copy of the XXX Trust dated XX/XX/XX. - 4/2/2024 - Exception is cleared with the attached copy of the trust agreement. TRST 0001 Exception Cleared;<br>|  |
| 900000807 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900000817 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 70 months of combined housing history paid 0x30 per credit report.; Verified employment history - B1 has been working for the same employer for 17 years and B2 has been with same employer for 13 years. ; |  |  | TITL 0013 Title Policy - Schedule A Exception - Missing evidence of title confirming sufficient policy amount to cover loan amount of $XXXX. Commitment in file reflects proposed policy amount of $XXXX. - 3/12/2024 - Exception is cleared with the attached updated title commitment. TITL 0013 Exception Cleared;<br>|  |
| 900000811 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 78 combined months of housing history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off consumer debt totaling $xxxx with subject transaction eliminating $xxx in monthly payments. ; Income verified was not used in qualifying - B2 income supports greater earnings than used to qualify. ; |  |  | COMP 0006 Missing Initial Disclosure(s) - Missing copies of all initial disclosures provided to the borrower on xx/xx/xx. Only the LE was provided for review, all other disclosures are dated xx/xx/xx. (Disclosure tracking verifies documents were sent via US mail. - 03/13/24 Copies of all initial disclosures issued xx/xx/xx received.<br>COMP 0035 Affiliated Business Disclosure Not Provided Within 3 Business Days of Application - ABD in file issued xx/xx/xx. Application Date is xx/xx/xx. - 03/13/24 Copy of ABD issued xx/xx/xx received.<br>|  |
| 900000799 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrowers paid off $XXXX with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 152 combined months of housing history paid 0x30 per the credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations - EV2 Non-Material |  |  |  |
| 900000800 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 49 combined months of housing history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. - EV2 Non-Material |  |  |  |
| 900000818 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - Borrowers are receiving 33.01 months PITIA reserves from cash out proceeds, no reserves are required.; Verified ownership of subject property - The borrowers have owned the subject property for 26 years.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  | CRED 0095 Missing or Incomplete 4506-T/4506-C - Missing 4506-C signed by borrower 2. Borrower 1 signed copy only covers that individual. - 3/14/2024 - Recd form 8821 executed by B2 at application. CRED 0095 Exception Cleared;<br>|  |
| 900000806 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 73 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt eliminating $XXXX in monthly payments. ; Verified employment history - Borrower has been employed with same employer for 17 years plus. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations.<br>- EV2 Non-Material |  |  |  |
| 900000816 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Borrowers are receiving 26.60 months in PITIA reserves from the cash out proceeds, no reserves are required; Low DTI - DTI 30.77%, maximum acceptable 45%; |  |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing updated 1008 to include the P&I from the 1st lien. Both the approval and the 1008 fail to include the P&I for the first mortgage in the HTI/DTI. <br>- 3/18/2024 - Exception is cleared with the attached updated underwriting decision and 1008. APRV 0010 Exception Cleared;<br>|  |
| 900000829 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified employment history - VOE confirms 7+ years employment with present employment.; Verified occupancy in subject property; Verified credit history - Middle credit score 723 with no history of delinquency reported. Minimum credit score required 700.; Low LTV/CLTV/HCLTV - 78.66% CLTV < 85% Max Allowed.; Low DTI - 39.68% DTI < 45% Max Allowed.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR changed within 3 days of closing from 11.289% to 11.281%, which is deemed to be a benefit to borrower. - EV2 Non-Material Benefit to Borrower<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  | CRED 0091 Missing Tax Transcript(s) - Missing XXXX Wage Transcript. Per guideline, wage and income transcripts are required for the years of qualifying income. - 04/05/24 2022 and XXXX Wage and Income transcripts received.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing documentation to verify the date that the rate lock was updated to XX%. File contains 2 COCs first is dated dated XX/XX/XX and give the explanation of change as reduced value, rate updated from XX% to XX%. The 2nd COC dated XX/XX/XX also reflects an explanation of change as reduced value, rate updated from XX% to XX%. Cost to borrower for rate $XXXX, APR Updated. -- - 03/28/24 Finding cleared upon re-submission with COC. Response recd from lender: The rate increase to XX% was disclosed on the attached LE issued XX/XX. Loan points $XXXX was applicable but I was unaware loan points dropped off the system through date initial CD was issued. Loan points added back when docs ordered. Borrower agreed to pay points for the rate XX% and a revised CD issued XX/XX/XX attached to disclose points added for the rate. COC details on revised CD copied from the initial LE to support reason for loan points added.<br>PROP 0003 Missing Required Property Inspection - Missing completion report. Appraisal was completed as-is, however, 1/2 bath is missing the sink and the flooring on the stairs has been removed. The estimated cost to cure provided by the appraiser is $XXXX-$XXXX. - 03/25/24 The incomplete items do not adversely affect the safety, soundness or structural integrity of the Mortgaged Premises. Additionally the cost to cure is less than 1% of the 'as completed' value of the Mortgaged Premises.<br>|  |
| 900000820 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Credit report confirms 28 months satisfactory mortgage rating.; Verified employment history - VOE confirms 15+ years with present employer.; Verified credit history - Middle credit score 759 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 62.19% CLTV < 85% Max Allowed.; Low DTI - 27.11% DTI < 45% Max Allowed.; |  |  |  |  |
| 900000822 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Using liquid assets and cash out proceeds, the borrower will have 9.66 months PITIA reserves. No reserves required. ; Low LTV/CLTV/HCLTV - CLTV is less than 60%.; |  |  | APPR 0001 Missing Copy of Original Appraisal report - Missing Copy of Original Appraisal report. It is noted that the appraisal is required to verify if the property is fee simple or leasehold. It is also noted that the comments to clear the additional REO fraud alert reflect the subject property is two parcels including a main house and a guest house. - 3/12/2024 - Exception is cleared with the attached copy of the origination appraisal report. APPR 0001 Exception Cleared;<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal not in file, unable to review for HPML Appraisal requirements. - 3/12/2024 - Exception is cleared with the attached copy of the origination appraisal report. APPR 0044 Exception Cleared;<br>|  |
| 900000813 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in monthly payments.; Verified housing payment history - 106 combined months of housing history paid 0x30 per credit report. ; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. - EV2 Non-Material<br>CRED 0004 Back-end Ratio exception (DTI) - 2.95% DTI exception. Review DTI of 47.95% exceeds max LRC guideline allowed of 45%. Lender 1008 reflects 49.85%. No evidence of Investor granted exception. - Investor Acknowledged Exception |  | APRV 0001 Missing Underwriter Loan Approval - Lender Approval missing from file. 1008 in file. - 03/08/24 Lender loan approval received.<br>|  |
| 900000802 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Both borrowers have been with their current employer more than 5 years.; Low DTI - DTI 32.83%, maximum allowed 45%; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  |  |  |
| 900000821 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Borrowers are receiving 21.19 months reserves from cash out proceeds, no reserves required ; Verified credit history - Credit score is 740, minimum required 700; |  |  | TITL 0009 Missing Required Property Title Search - The file does not include the title commitment/preliminary title report. The loan policy does not address the type of ownership. Per the appraisal, the subject is fee simple. - 03/08/24 Cleared, appraisal used to verify property is not leasehold. Jr Alta policy acceptable per guidelines.<br>TITL 0014 Title Policy - Schedule B Exception - The loan policy includes a survey exception. No survey in the file. - 3/19/2024 - Recd response from settlement agent, "Unfortunately, since XX is not a survey requirement for (settlement agent) we do not have a survey affidavit for this state. Our affidavits are state specific for the states we require the affidavit. We would be happy to assist in getting one signed but it would need to be provided to us". \*\* Settlement agent confirmed requirement for survey affidavits are state specific, thus exception cleared. TITL 0014 Exception Cleared;<br>|  |
| 900000812 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Borrower paid off $xxx in consumer debt with subject transaction eliminating $xxx in monthly debt. ; Verified reserves - 280 months of reserves remain after closing. ; |  |  |  |  |
| 900000815 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 109 combined months of housing history paid 0x30 per credit report. ; Verified reserves - 16 months reserves remain after closing from cash out proceeds. ; |  |  |  |  |
| 900000827 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrowers paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified employment history - B1 has been on job with employer for 29 years plus and B2 has been with same employer for 17 years plus. ; Verified housing payment history - 93 combined months of housing history paid 0x30 per credit report. ; | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - ROR expiration date is the same as the disbursement date. Recession period to be re-opened to allow borrower's 3 business days. - 4/2/2024 - Reopened rescission period expired XX/XX/XX. ROR 0009 Exception Overridden to EV2; |  |  |  |
| 900000848 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 16 years plus.; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 98 combined months of housing history paid 0x30 per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations - EV2 Non-Material<br>PROP 0002 Property Type is prohibited - XXXX properties are not permitted per guidelines. - Investor Acknowledged Exception (Pre-close) |  | DD 0001 Missing Divorce Decree and/or Separation Agreement - Missing copy of Divorce Decree with XXXX to verify no Alimony or Child support obligations. Per title search case was filed XX/XX/XX. 1003 disclosed 4 dependents. - 04/17/27 LOE from borrower received. Borrower has 3 biological children and does not pay any child support. LOEs from biological mothers received confirming the same. Updated 1003 also received with number of dependents updated.<br>|  |
| 900000810 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - B1 has been employed with current employer for 7 plus years. ; Net tangible benefit - Borrowers paid off $xxxx in consumer debt along with existing 2nd lien of $xxxx with subject transaction eliminating $xxxx in total payments. ; Verified housing payment history - 126 combined months of housing history paid 0x30 per the credit report. Prior Home Equity history also paid 0x30 per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | CRED 0004 Back-end Ratio exception (DTI) - 5% DTI exception. Review DTI of 50% exceeds the max allowed of 45% per the (investor) guideline. Lender requested a DTI exception got 45.529% ; however, actual calculated is 50%. Variance is due to calculation of negative rental income on REO property owned. - 3/26/2024 - Exception set in error. Taxes and insurance are escrowed; DTI < 45% excluding Tax and Insurance that is escrowed with the mortgage for non-subject REO. CRED 0004 Exception Cleared;<br>INS 0001 Missing Sufficient Evidence of Insurance - Missing copy of current HOI policy. Policy deck page provided reflects an expiration prior to the first payment. - 3/6/2024 - Exception re-reviewed and cleared; Binder in file "Special Conditions" section reflects policy period from xx/xx/xx-xx/xx/xx and premium paid in full. INS 0001 Exception Cleared;<br>|  |
| 900000825 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 19 plus years.; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXXX in total monthly debt. ; Verified housing payment history - 126 combined months of housing payments made 0x30 per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  |  |  |
| 900000824 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with current employer for 6 years plus.; Verified housing payment history - 155 combined months of housing paid 0x30 per credit report. ; |  |  | TRID 0188 Missing proof that all title holders received a copy of the Final CD at or prior to closing - Review is pending receipt of the QCD to verify that title holder was removed from title and thus not required to receive CD/ROR. - 03/25/24 Copy of recorded QCD received.<br>TITL 0013 Title Policy - Schedule A Exception - Missing copy of fully executed Quit Claim Deed by title holder granting property solely to the borrower. QCD in file was executed by the borrower only. - 03/25/24 Copy of recorded QCD received.<br>CRED 0093 Credit Documentation is Insufficient - Missing complete copy of Debt Collection letter signed by Attorney. Letter appears to be missing the initial pages. Unable to determine what debt was referenced. - 3/29/2024 - Exception is cleared with the attached copy of pg1 HOA judgement payoff. CRED 0093 Exception Cleared;<br>|  |
| 900000814 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Borrowers paid off $xxxx in consumer debt with subject transaction eliminating $xxx in total monthly payments.; Verified housing payment history - 75 months combined housing payments paid 0x30 per credit report. ; |  |  | CRED 0004 Back-end Ratio exception (DTI) - 1.94%% DTI exception. Review DTI is 46.94%%. Lender 1008 DTI is 44.764%. Variance is in liabilities. - 3/26/2024 - Exception set in error; DTI < 45% with installment tradeline < 10 Mos excluded. CRED 0004 Exception Cleared;<br>|  |
| 900000850 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with current employer for 16 plus years.; Income verified was not used in qualifying - Borrower has history of earning overtime and other pay that was not considered in qualifying. Earning amount varies year to year but history of earnings is established. ; Verified housing payment history - 69 combined months of housing history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt totaling $XXX with subject transaction eliminating $XXX in monthly payments. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | DEED 0005 Mortgage/Deed of Trust is not Recorded - Missing copy of recorded mortgage/DOT or copy of the lenders closing instructions to the settlement agent to verify the requirement to record. - 04/15/24 Copy of recorded DOT received.<br>|  |
| 900000844 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 160 combined months of housing history paid 0x30 per credit report. ; Conservative use of credit - Borrowers have no open installment debts and three total open and active revolving accounts in addition to the mortgage account. Two of the three revolving account balances were paid off with the subject transaction. The account remaining active with a balance after closing has a 99 month history paid 0x30. ; Verified reserves - 89 months reserves verified after closing when guidelines did not require any. ; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. Only the Suspense notice and 1008 were provided for review. - 03/27/24 Lender loan approval received.<br>|  |
| 900000920 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 122 months of combined mortgage history paid 0x30 per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | APPR 0046 Missing Third Party Appraisal Review - Missing FNMA/FHLMC SSR reports. - 03/25/24 AVM received.<br>APPR 0043 Missing Appraiser License - Missing copy of Appraiser License to confirm active. Per signature line, number is XXXX and expiration date is XX/XX/XX. - 03/25/24 Appraiser license lookup received.<br>|  |
| 900000832 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified housing payment history - 104 combined months of housing payments paid 0x30 per credit report. ; Verified employment history - Long term employment history for borrower verified.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Variance is 0.157% - CD XX/XX/XX APR 10.298% , CD XX/XX/XX APR 10.141%<br>- EV2 Benefit to Borrower.<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Final CD dated XX/XX/XX reflects a disbursement date of XX/XX/XX which is the same date as the ROR expiration date. - EV2 Post closing corrective action-04/03/24 Final settlement statement received. Disbursement date of XX/XX/XX verified. XX/XX/XX PC CD w/LOE to the borrower received. |  | APRV 0001 Missing Underwriter Loan Approval - Missing lenders loan approval. Only the 1008 was provided. - 03/25/24 Loan approval received.<br>HUD 0001 Missing Final HUD-1 - Missing copy of the final settlement statement to verify the disbursement date. Only the estimate was provided. Final CD dated XX/XX/XX reflects a disbursement date of XX/XX/XX which is the same date as the ROR expiration date - 04/03/24 Final settlement statement received. Disbursement date of XX/XX/XX verified. <br>|  |
| 900000840 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject refinance eliminating $XXX in total monthly payments. ; Low LTV/CLTV/HCLTV - Low 43.35% CLTV when guidelines allow up to 85% with minimum 700 fico score. Borrower score is 703. ; | TIL 0006 APR Violation - The (10.594%) disclosed APR exceeds the actual APR of (10.46%) by more than .125%. The ($57,624.59) disclosed finance charge does not exceed the actual finance charge of ($57,624.59); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after it is mailed or delivered. (12 CFR 1026.17(f); 1026.38; 1026.19(f); 1026.22(a)(2); OSC 17(c)(2)(ii)-1) - EV2 Non-Material - Benefit to borrower |  | CRED 0093 Credit Documentation is Insufficient - Missing verification of XXXX account reported as paid off with subject transaction with a balance of $XXXX as noted on CD dated XX/XX/XX. This account was not verified on credit report in file. - 03/27/24 Verification of discover balance verified with CBR.<br>|  |
| 900000830 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed for 8 plus years with current employer and Co-borrower has been employed for 7 plus years with current employer. ; Verified housing payment history - 90 combined months of subject property mortgage history paid 0x30 per credit report. 102 combined months of satisfactory mortgage history on borrowers primary residence paid 0x30 per the credit report. ; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR decrease from 10.957% to 10.018% due to loan amount decrease. - EV2 Non-Material - Benefit to Borrower |  |  |  |
| 900000819 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - B1 has been employed with the same employer for 27 years plus. B2 has been employed with the same employer for 14 years plus. ; Verified housing payment history - 137 combined months of housing history paid 0x30 per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  |  |  |
| 900000837 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified housing payment history - 54 combined months of satisfactory mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off existing line of credit for $XXX and additional $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified employment history - Borrower has been employed with same employer for 7 plus years.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations. - EV2 Non-Material<br>CRED 0087 Tax Returns/Transcripts are Insufficient - Investor approved use of borrower provided wage transcripts - Investor Acknowledged Exception<br>TITL 0014 Title Policy - Schedule B Exception - Missing evidence that Judgment on Schedule B of title (Item #9) has been satisfied and removed. - 4/3/2024 - Exception is cleared with the attached copy of the recorded acknowledgement of full satisfaction. TIT 0014 Exception Cleared; |  | CRED 0004 Back-end Ratio exception (DTI) - Review DTI of 53.58% exceeds the guideline max of 45%. Lender DTI per 1008 is 40.061%. Tape DTI is 44.94%. XXXX debt was excluded in qualifying. Review calculated payments based on 1% of the outstanding balance. Credit report reflects payments were deferred to XX/XX/XX. - 4/3/2024 - "The XXXX is under XX starting #/##/####, see document attached." Attached letter confirms $0 payment under XXX plan. DTI < 45% max with XXXX excluded. CRED 0004 Exception Cleared;<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR exceeds exceeds actual APR by .133%. COC on XX/XX/XX states APR was incorrect on CD issued XX/XX/XX. --The (11.153%) disclosed APR exceeds the actual APR of (11.0204%) by more than .125%. The ($103,852.27) disclosed finance charge does not exceed the actual finance charge of ($103,852.27); so the overdisclosed APR is not based upon an overdisclosed finance charge amount. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before consummation. If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer<br>is deemed to have received it 3 business days after it is mailed or delivered. (12 CFR 1026.17(f); 1026.38; 1026.19(f); 1026.22(a)(2); OSC 17(c)(2)(ii)-1)<br>- EV2 Non-Material<br>|  |
| 900000856 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Income verified was not used in qualifying; Verified reserves; Verified employment history; |  |  | TRID 0134 Missing E-Sign Disclosure<br>TRID 0089 Disclosed Finance Charge Must Be >= Actual Finance Charge - $35<br>APPR 0002 Appraisal is Incomplete<br>TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3))<br>TRID 0077 Last Closing Disclosure Total Interest Percentage (TIP) < System Calculated<br>|  |
| 900000895 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; Verified housing payment history - 33 combined months of housing history paid 0x30 per credit report.; Verified employment history - Borrower has been employed with current employer for 5 years plus. ; Verified reserves - 24 months verified reserves remain after closing when guidelines required none be verified. ; Low LTV/CLTV/HCLTV - Low 47.95% CLTV when guidelines allow up to 75%. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed in accordance with Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations - EV2 Non-Material<br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material |  | TITL 0014 Title Policy - Schedule B Exception - Provide final title to confirm judgments listed on Title are cleared and removed. - 5/10/2024 - Recd loan policy with no title exceptions. TITL 0014 Exception Cleared;<br>APRV 0001 Missing Underwriter Loan Approval - Loan Approval is missing. File only contains Lender 1008. - 3/29/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared;<br>|  |
| 900000858 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Net tangible benefit - Borrower paid off all open/active consumer accounts on credit report totaling $XXXX with the subject transaction eliminating $XXX in total monthly payments. ; Verified housing payment history - 106 combined mortgage payment history paid 0x30 per credit report. ; | PROP 0002 Property Type is prohibited - Missing Investor acceptance of Property type. Subject property location is reflected to be XXXX, located in XXXX town of XXXX. LRP Guidelines do not allow for XXXX property location. - Investor Approved Exception - 04/04/24 investor exception form dated 02/16/24 received. |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC or general credit for addition of loan discount fee on CD issued XX/XX/XX. COC (Page 429) is blank. -- - 04/09/24 Explanation for fee increase received w/supporting documentation from lender. <br>|  |
| 900000836 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXX 2nd lien and $XXX in consumer debt with subject transaction to eliminate $XXX in total monthly payments. ; Verified employment history - Borrower has been employed with current employer for 15 years plus.; Verified housing payment history - 65 combined months of mortgage history paid 0x30 per credit report. ; |  |  | APPR 0043 Missing Appraiser License - Missing copy of current license for XXX Lic XXX. Copy of license provided expired XX/XX/XX. - 04/03/24 Copy of current appraiser license received.<br>|  |
| 900000838 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 60 months of verified reserves remain after closing per personal funds verified. This does not take into account the cash out received at closing. ; Verified housing payment history - Verified 39 months mortgage history for primary residence and 27 months for subject property all paid 0x30. ; Low DTI - Low 18.79% DTI when guidelines allow up to 45%.; |  |  | CRED 0082 Income Documentation is Insufficient - Missing signed business narrative confirming business operation, primary products and services, who is customer base, number of full-time employees and any other information to help with identifying eligible bank deposits. - 04/03/24 Borrower LOE received. LOE explains the description of the business operation, primary services, customer base, number of employees.<br>DEED 0013 Missing Second Home Rider - Missing 2nd Home Rider. - 4/1/2024 - Exception is cleared with the attached copy of the borrower executed Second Home Rider. DEED 0013 Exception Cleared;<br>GIDE 0001 Guideline Exception(s) - Missing the XXXX Business bank statement ending. Guidelines require bank statements be dated within 60 days of Note date. - 4/8/2024 - Exception is cleared with the attached business bank statement. GIDE 0001 Exception Cleared;<br>APRV 0001 Missing Underwriter Loan Approval - Missing Lender loan Approval. 1008 only is in file. - 4/1/2024 - Exception is cleared with the attached conditional approval. APRV 0001 Exception Cleared;<br>|  |
| 900000839 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 111 combined months of mortgage payment history paid 0x30 per credit report. ; Verified employment history - B1 has been employed for 8 years plus with same employer and B2 has been employed for 11 years plus with same employer. ; |  |  |  |  |
| 900000859 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Verified employment history - Borrower has been employed with current employer for 11 years plus. ; Verified housing payment history - 83 combined months of mortgage history paid 0x30 per credit report. ; Low LTV/CLTV/HCLTV - Low 55% CLTV when guidelines allow up to 85% with minimum 700 FICO score. ; | APPR 0002 Appraisal is Incomplete - Missing full appraisal. AVM only in file. Confidence score is 74 with FSD of 0.26. LRC guidelines require a Confidence score of at least 90 or a full appraisal is required. Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. File contains a AVM by XXX effective XX/XX/XX and separate Exterior PCI- Property Condition Inspection dated XX/XX/XX. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) Must be an approved AVM provider. - EV2 Investor Acknowledged Exception to allow for use of PC AVM. PC AVM 04/12/24, value $XXXX, Confidence 92. |  | CRED 0091 Missing Tax Transcript(s) - Missing proof of attempted request of B2 XXXX IRS 1099 transcript and the XXXX IRS 1099 to confirm income. No proof of any requests present for B2. - 4/11/2024 - Recd B2 XXXX Wage Transcript and Income Transcripts reflecting no record of return filed and XXXX/XXXX transcripts. CRED 0091 Exception Cleared;<br>|  |
| 900000842 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 141 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - B1 has been employed with same employer for 4 plus years.<br>B2 has been employed with same employer for 14 plus years.; |  |  | COMP 0006 Missing Initial Disclosure(s) - Missing a complete copy of all initial disclosures sent to the borrower XX/XX/XX as per the disclosure tracking. - 04/03/24 Complete copy of the initial disclosure package received.<br>|  |
| 900000834 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with the same employer for 24 years.; Verified housing payment history - 99 months of verified mortgage payments paid 0x30 per credit report. ; Income verified was not used in qualifying - Borrowers paystub and VOI confirm other earnings since employment that was not considered in qualifying. Only the base monthly salary was used in qualification. ; |  |  | TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) - Unable to verify cause of variance, lender Mavent report not provided for review.--T --The Maximum Principal and Interest Payment Amount in column 1 of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (720.69), while the Calculated Projected Payments Table has a value of (721.14) - 4/2/2024 - Exception auto cleared upon resubmission (2nd lien pmnt based on 366 days). TRID 0092 Exception Cleared;<br>TRID 0089 Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 - Unable to verify cause of variance, lender Mavent report not provided for review.--The disclosed finance charge ($179,401.07) is ($110.93) below the actual finance charge ($179,512.00). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - 4/2/2024 - Exception auto cleared upon resubmission (2nd lien pmnt based on 366 days). TRID 0089 Exception Cleared;<br>|  |
| 900000849 | XXXX | Funded | 2 | 1 | 2 | 2 |  |  |  | Net tangible benefit - Borrowers paid off $XXX in consumer debt with the subject transaction eliminating $XXX in monthly payments. ; Income verified was not used in qualifying - Borrower has additional income earnings documented on present job that was not considered in qualifying.; Verified housing payment history - 85 combined months of mortgage history paid 0x30 per credit report. ; Minimal outstanding debt - Borrower paid off all outstanding consumer debt exception one revolving with a small balance. Subject 2nd lien loan reflects a 20 year amortization, thus payout is a shorter term. ; | TRID 0189 Missing "Paid To" designee on Closing Disclosure (12 CFR 1026.38(f)(1-5)) - Missing the payee for the Notary - Mobile Signing Service Fee on the (##/##/##) CD - EV2 Non-Material<br>APPR 0002 Appraisal is Incomplete - Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. <br>- 4/17/2024 - Recd investor acknowledgment. APPR 0002 Investor Acknowledged Exception;<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Condition cited for final settlement statement / final CD to confirm actual disbursement date. - EV2 Post-Closing Corrective Action- LOE and PC CD reflecting a disbursement date of (##/##/##) received. |  | APP 0004 Initial 1003 Application is Incomplete - Missing the Lender Loan Information section of the Initial 1003 - 04/17/24 Loan Information section of the Initial 1003 received.<br>HUD 0001 Missing Final HUD-1 - Missing final settlement statement to verify the disbursement date and final CD - 04/03/24 Final settlement statement received confirming disbursement date of (##/##/##).<br>APRV 0001 Missing Underwriter Loan Approval - Missing Lender Approval, only an unsigned 1008 is in the file - 04/03/24 Lender loan approval received.<br>APP 0002 Final 1003 Application is Incomplete - Missing the Lender Loan Information section of the Final 1003. - 04/03/24 Lender Loan Information to the final 1003 received.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC or lender credit for the following fee increases: Loan Discount increased form $1,353.10 to $1,563.10 on the (##/##/##) CD, no COC form provided.<br>- 04/03/24 COC for rate extension received.<br>|  |
| 900000843 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Borrowers paid off $XXX in total consumer debt with the subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 156 combined months of mortgage payment history paid 0x30 per credit report. ; Low LTV/CLTV/HCLTV - Low 41.68% CLTV when guidelines allow up to 85% based on 725 fico score. ; |  |  |  |  |
| 900000917 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been with current employer for 5 years plus.; Verified reserves - 47 months reserves remain after closing from cash out proceeds. Guidelines allow use of cash out to meet the minimum 2 months required. ; Verified housing payment history - 66 combined months of mortgage payment history paid 0x30 per credit report. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated XX/XX/XX disclosed $XXXX, which is only hazard insurance. Total annual property cost for tax and insurance is $XXXX. - EV2 Post-Closing Corrective Action -05/30/24 PCCD and LOE received. PC CD reflects corrected corrected Estimated Taxes, Estimated Property Costs over 1 year of $XXX (12 mths). |  | CRED 0082 Income Documentation is Insufficient - Missing copy of XXXX Wage Transcript for borrower. File contains two copies of XXXX. - 4/17/2024 - Exception is cleared with the attached wage transcript. CRED 0082 Exception Cleared;<br>COMP 0010 Missing Affiliated Business Disclosure - ABD not in file. Per FACTS Disclosures, broker and lender have no affiliates. However, the settlement agent, XXXX, has same phone number as broker XXXX. - 4/19/2024 - Recd borrower signed ABD confirming an affiliation between the broker and the settlement agent. COM 0010 Exception Cleared;<br>APRV 0001 Missing Underwriter Loan Approval - Missing Lender Approval from file. File only contains an unexecuted 1008. - 4/10/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared;<br>|  |
| 900000831 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrowers paid off consumer debt totaling $XXXX with subject transaction eliminating $XXXX in monthly payments. ; Verified housing payment history - 135 combined months of mortgage payment history paid 0x30 per credit report. ; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD dated XX/XX/XX Disclosed APR 14.462%<br>CD dated XX/XX/XX Disclosed APR 14.325%<br>CD dated XX/XX/XX Disclosed APR 14.325% - EV2 APR decreased, benefit to borrower. |  |  |  |
| 900000833 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 84 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal does not contain verbiage affirming that it was prepared in accordance with Title XI of FIRREA and any implementing regulations. Appraisal does not meet CFPB Safe Harbor criteria for HPML Appraisals. - EV2, Non-Material. |  |  |  |
| 900000845 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 146 combined months of mortgage history paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 782 when guidelines require 700. Credit history reported on credit report has all been paid 0x30 with oldest reporting active tradeline from XX/XXX (22 years). No derogatory credit noted. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations - EV2 Non-Material |  |  |  |
| 900000846 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off consumer debt totaling $XXXX with subject transaction eliminating $XXX in monthly payments. ; Verified employment history - Borrower has been employed with same employer for 29 years plus. ; Verified housing payment history - 130 combined months of housing payment history paid 0x30 per credit report. ; | FACT 0002 Borrower(s) Did Not Receive "Right to Receive Credit Scores" - The credit report reflects scores returned from all three repositories for both borrowers, but the disclosures only reflect the Experian scores and reflect no scores returned from TransUnion or Equifax. - EV2 Non-Material |  |  |  |
| 900000867 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 117 combined months of mortgage payment history paid 0x30 per credit report. ; Verified employment history - B1 has been on the job with same employer for 7 years plus. B2 has been employed with employer for 16 years plus.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender approval, only an unsigned 1008 is in the file. - 04/15/24 Lender loan approval received.<br>|  |
| 900000835 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 108 combined months of housing mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXX in consumer debt with subject transaction eliminating $XXX in total monthly payments.; Verified employment history - Borrower has been employed with same employer for 23 years plus.; |  |  |  |  |
| 900000852 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 37 months mortgage history paid 0x30 per credit report.; Verified credit history - Indictor credit score of 777 with all credit reporting on credit report paid 0x30 with oldest active tradeline dating back to XX/XXXX. ; Verified reserves - 29 months reserves verified when guidelines require 2 months. Funds verified in amount of $XXX plus the cash out received from the subject transaction. Guidelines allow cash out to meet reserves.; Low DTI - Low 24.70% DTI when guidelines allow up to 45%. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Amount disclosed on page 1 of the final CD issued for taxes, insurance and HOA is $XXXX monthly. Annually would be $XXXX. Pages 4 of the CD reflects $XXXX annually ($XXXX monthly). Calculated $XX annually / $XXX monthly. Hazard on is $XXX annually. $XXXX monthly. 1008 reflects $XXXX monthly. - 4/18/2024 - Exception is overridden to EV2 with the attached PCCD, updated taxes and insurance with 11 months property costs disclosed. TRID 0204 Exception Overridden to EV2; |  |  |  |
| 900000857 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 42.69% when guidelines allow up to 85%. ; Verified housing payment history - 132 months of combined mortgage payment record paid 0x30 per credit report.; |  |  |  |  |
| 900000841 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; Verified housing payment history - 73 months of combined housing history paid 0x30 per credit report.; |  |  |  |  |
| 900000894 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 54 months of combined mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed for 14 year with current employer. ; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for increase in Appraisal Fee from $65 to $605. Missing COC for addition of Doc Prep Fee for $200. This is a zero tolerance fee as it is paid to an affiliate. Prior LEs and CDs did not disclose a Doc Prep Fee. - 5/9/2024 - Recd PCCD, LOE, refund check $XXX, and courier tracking slip to evidence delivery to borrower XX/XX. TRID 0195 Exception Overridden to EV2;<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increase in Recording Fee from $115 to $201 on CD issued . - 5/9/2024 - Recd PCCD, LOE, refund check $XXX, and courier tracking slip to evidence delivery to borrower XX/XX. TRID 0195 Exception Overridden to EV2; |  | CRED 0092 Missing income calculation worksheet and/or detail - Missing evidence of most recent two years Wage Transcripts. None in file. - 05/08/24 Wage & income transcripts for (two years) received.<br>TRID 0134 Missing E-Sign Disclosure - E-Sign Disclosure not in file. - 4/19/2024 - Exception is cleared with the attached copy of the borrowers eConsent. TRID 0134 Exception Cleared;<br>TITL 0003 Title Issue affecting Lien Position - Title Commitment shows UCC Lien. Email says a termination was requested. Copy of termination not in file, final title policy not in file. Unable to verify 2nd lien position. - 4/29/2024 - Exception is cleared with the attached UCC termination. TITL 0003 Exception Cleared;<br>|  |
| 900000862 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 92 months of combined mortgage pay history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in monthly payments. ; Verified employment history - Borrower has been employed with same employer for 19 years. ; |  |  | TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing evidence of delivery for last LE. - 4/15/2024 - Exception is cleared with the attached disclosure tracking. TRID 0023 Exception Cleared;<br>|  |
| 900000864 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 VOE confirms 9+ years employment with present employer. B2 VOE confirms 32+ years employment with present employer.; Verified housing payment history - Credit report confirms 203+ months satisfactory mortgage rating.; Verified credit history - Middle credit scores 777/741 with no history of delinquency reported. Minimum required 680.; Low LTV/CLTV/HCLTV - 66.95% CLTV < 85% Max Allowed.; Low DTI - 32.49% DTI < 45% Max Allowed.; |  |  | TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing evidence of delivery for the Last LE.<br>|  |
| 900000866 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - The credit report reflects mortgage history back to xxxx with no reported lates. Guidelines require 24 months. ; Verified reserves - The borrowers are receiving 18 months PIIIA in cash out proceeds, no reserves are required.; Low DTI - DTI is 33.20%, maximum allowed 45%.; |  |  |  |  |
| 900000863 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - Borrower is receiving 18.24 months PITIA reserves in cash out, no reserves required.; Verified credit history - The credit report reflects tradelines dating back to xxxx with no reported lates.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  | CRED 0087 Tax Returns/Transcripts are Insufficient - Missing explanation in the file for why the transcripts reflect two separate W2s while the borrower provided one consolidated. - 4/22/2024 - Review confirmed EIN changed on W2s, which is supported by online search. CRED 0087 Exception Cleared;<br>|  |
| 900000851 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been with same employer for 14 years plus. ; Verified housing payment history - 68 combined months of mortgage housing paid 0x30 per credit report. ; |  |  |  |  |
| 900000928 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off $xxxx in consumer debt with subject transaction eliminating $xxxx in total monthly payments. ; Verified employment history - Borrower has been employed with same employer for 17 years plus. ; Verified housing payment history - 125 combined months of mortgage payments paid 0x30 per credit report. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed Amount = xxxx. Calculated Amount = $xxx. - 4/15/2024 - Exception is overridden to EV2 with the attached PCCD and accompanying letter of explanation. TRID 0204 Exception Overridden to EV2; |  |  |  |
| 900000916 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 131 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - B2 has been with current employer for 24 years. ; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing Wage Tax Transcripts for B1. Only B2 Transcripts in file. B1 retired mid XXX. Missing prior years Wage transcripts and evidence that an attempt to pull year XXXX. - 05/17/24 Wage & Income transcripts for B1 received.<br>APRV 0001 Missing Underwriter Loan Approval - Missing Lender Underwriting Approval. Only an unsigned 1008 is in file. - 04/15/24 Lender loan approval received.<br>|  |
| 900000853 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 70 combined mortgage payments with 0x30 payment history per credit report. ; |  |  |  |  |
| 900000854 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 138 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off consumer debt totaling $xxxx with subject transaction eliminating $xxxx in monthly payments. ; |  |  |  |  |
| 900000860 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Verified reserves - The borrowers are getting 9.88 months PITIA reserves from cash out proceeds, no reserves required.; Verified housing payment history - The credit report reflects mortgage history dating back to 2010 without any reported lates.; | APPR 0029 Property Acreage exceeds 10 Acres - Subject property lot is XXXX acres. Properties greater than XX acres are not eligible for this loan program. - 4/19/2024 - Recd investor approved exception request. APPR 0029 Investor Acknowledged Exception; |  |  |  |
| 900000869 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 72 months of mortgage payment history paid 0x30 per credit report; Verified credit history - Indicator credit score is 767 with all credit reported on credit report paid 0x30 with oldest tradeline dating back to 03/2005. ; Low LTV/CLTV/HCLTV - Low 59.20% CLTV when guidelines allow up to 85%.; |  |  | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Unable to validate lender's Estimated Taxes, Insurance, & Assessments of $xxxx with Estimated Property Costs over Year 1 XXXX. Review calculated Estimated Taxes, Insurance, & Assessments of $XXX with Estimated Property Costs over Year 1 of $XXXX. - 4/18/2024 - Exception re-reviewed and cleared. Lender disclosed the property tax without exemptions as more conservative approach. TRID 0204 Exception Cleared;<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Missing documentation to verify borrower receipt of the latest issue LE.<br>LE issued XX/XX/XX APR is 9.061%.<br>CD issued XX/XX/XX APR is 9.089%. <br>CD issued XX/XX/XX APR is 9.103%. Difference more than 3 days is 0.042. - 4/19/2024 - Recd latest issued LE disclosure tracking. Exception is cleared. APR on the Initial CD 9.089 to Closing CD 9.103 difference of 0.014 < 0.125. TRID 0206 Exception Cleared;<br>|  |
| 900000871 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 147 combined months of mortgage payments paid 0x30 per credit report. ; |  |  | DEED 0049 Mortgage/Deed of Trust is Incomplete - Mortgage is missing Page 7 of 7 which includes NMLS information. - 05/02/24 Copy of recorded DOT received with all pages included.<br>|  |
| 900000893 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 128 combined mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score of 779 with all credit both active and closed reflected to be paid 0x30 on all accounts. Borrower is conservative credit user.; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - COC states reason for fee changes is that the loan amount increased. The loan amount did not increase from the the prior LE. Missing valid COC for fee increase. -- The total amount of Closing Disclosure 10% Category fees ($484.20) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on 2023-11-10, ($185.00). The total amount of fees in this category cannot exceed ($203.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)) - 5/9/2024 - Recs PCCD, LOE, refund check $XXX, and courier tracking slip to evidence delivery to borrower on XX/XX. TRID 0195 Exception Overridden to EV2;<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - COC states reason for fee changes is that the loan amount increased. The loan amount did not increase from the the prior LE. Missing valid COC for fee increase. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on 2024-02-13: Documentary Tax Stamps for Mortgage/Deed of Trust - State. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 5/9/2024 - Recs PCCD, LOE, refund check $XXXX, and courier tracking slip to evidence delivery to borrower on XX/XX. TRID 0195 Exception Overridden to EV2; |  | TITL 0013 Title Policy - Schedule A Exception - Missing final title policy to confirm Insured policy amount of $XXX. Title commitment reflects $XXX which is lower than Note amount. - 4/23/2024 - Exception is cleared with the attached updated title commitment. TITL 0013 Exception Cleared;<br>|  |
| 900000891 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B2 has been on the job with same employer for 8+ years.; Verified housing payment history - 114 combined months of mortgage payments paid 0x30 per credit report. ; Verified reserves - 8 months reserves remain after closing when guidelines require none.; |  |  | CRED 0093 Credit Documentation is Insufficient - Per letter of explanation in file, borrowers state (creditor) account ending (####) is an incorrect entry. Account is reflected as past due. Missing evidence of removal of account as borrower state or proof account has been brought current. - 4/17/2024 - Exception is cleared with attached credit supplement confirming account was deleted as personal information. CRED 0093 Exception Cleared;<br>CRED 0091 Missing Tax Transcript(s) - Missing Wage Tax Transcripts for both both borrowers for most recent two tax years. - 4/23/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared;<br>APRV 0010 Underwriting Loan Approval is Deficient - Missing lender loan approval. - 4/17/2024 - Exception is cleared with the attached conditional approval. APRV 0010 Exception Cleared;<br>|  |
| 900000872 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on the job with the same employer for 7 years. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in monthly payments. ; Verified housing payment history - 58 combined months of mortgage payments paid 0x30 per credit report. ; |  |  | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in fil does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations - 4/16/2024 - Exception is cleared with the attached revised appraisal. APPR 0044 Exception Cleared;<br>TITL 0013 Title Policy - Schedule A Exception - Title Commitment Exhibit A reflects the following discrepancies:<br>1) Full Legal Description not in file with Commitment. Address and APN matches mortgage.<br>2) Missing final title to confirm Insured Policy Amount is for minimum of $XXX(Note amount). Commitment reflects $XX - 05/03/24 Final title policy w/legal received.<br>|  |
| 900000880 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 64 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in total monthly payments. ; |  |  | CRED 0007 Missing Employment doc (VOE) - Missing 2 yr WVOEs for all employers with letter from current employer explaining low YTD earnings, as per lender income calc worksheet; UW used 26.23 month average base and overtime. <br>Review DTI 54.95% exceeds the max allowed of 45%. Review income calculation based on paystubs in file. Lender used a greater figure including overtime. YTD does not support overtime earnings consistently as only one of the three paystubs reflect 40 plus hours worked weekly. - 4/25/2024 - Recd income calculation worksheet and WVOE. \*\* Base income 29.45 hrs avg, which is supported by YTD per WVOE. OT YTD+Prior Year avg 14.32 mos even though only 10+ months documented as more conservative approach. Borrowers industry of employment is impacted by weather during the the winter months, thus supporting use of prior year annualized as most conservative approach. Review calculated income is supported by prior year and decreases DTI to 44.71% < 45% max allowed. CRED 0007 Exception Cleared;<br>|  |
| 900000902 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Both borrowers have been with their employers more than 5 years.; Low DTI - DTI is 33.69%, borrowers qualify for up to 50%; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - CD disclosed Estimated Property Costs over Year 1 of $0.00. Review calculated $XXX for HOA fees. ($XX/mth). - 5/14/2024 - Exception is overridden to EV2 with the attached PCCD and cover letter. US Mailbox to be applied. TRID 0204 Exception Remains;<br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing lender loan approval. - 4/17/2024 - Exception is cleared with the attached UW Decision. APRV 0010 Exception Cleared;<br>CRED 0089 Missing Required Fraud Tool - Missing fraud tool. Only the Loan Participant list from the (fraud report) was found in the file. - 4/17/2024 - Exception is cleared with the attached fraud report. CRED 0089 Exception Cleared;<br>|  |
| 900000881 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in monthly payments. ; Verified employment history - Borrower has been on job with current employer for 17 years. ; Verified housing payment history - 116 combined months of mortgage payments paid 0x30 per credit report. ; |  |  |  |  |
| 900000868 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Verified credit history - 743 fico w/a minimum requirement of 680.; Low DTI - 38.07% DTI w/a max allowed of 50%.; Low LTV/CLTV/HCLTV - 56.34% CLTV w/a max allowed of 85%.; | APPR 0002 Appraisal is Incomplete - Appraisal in file is on form 2055. Missing full appraisal or AVM as guidelines state for loan amount of $XXXXK. File contains Investor acknowledged exception for use of 2055. Guideline dated XX/XX/XX (2 days post Note execution) allows use of 2055 with loan amount up to $XXX. - Investor Acknowledged Exception |  |  |  |
| 900000873 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - The borrower has been with their current employer for 24 years.; Verified reserves - The borrower is receiving 29.58 months PITIA reserves in cash out proceeds, no reserves are required.; |  |  | COMP 0043 Compliance Submission Pending Update<br>APRV 0010 Underwriting Loan Approval is Deficient - Review DTI 30.72% / Approved DTI 19.44%, Approval does not include the P&I for the first mortgage. - 4/23/2024 - Exception is cleared with the attached updated 1008/UW Decision (Refer APPR 0076 Stip 4/23). APRV 0010 Exception Cleared;<br>APPR 0076 Appraisal Discrepancy - The file contains an AVM and Property Condition Report to be used a valuation of $XXXX. There is an email to the borrower with delivery of an appraisal, value of $XXXX. Loan file is missing a copy of the original appraisal. Review is unable to determine why the full appraisal was obtained but not used. - 4/23/2024 - Recd processor cert, I (processor) sent an appraisal email to the borrower with the value of $XXXX when it should have been $XXXX. That was an error and typo on my end. I did not send an appraisal report to the borrower but the AVM report." (Refer APRV 0010). APPR 0076 Exception Cleared;<br>|  |
| 900000865 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified ownership of subject property - The borrowers have owned the subject property since xxxx.; Verified credit history - The borrower's FICO is 747, minimum required 680; |  |  |  |  |
| 900000884 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B2 has been on the job with same employer for 17 years plus.; Verified housing payment history - 94 combined months of mortgage payment paid 0x30 per credit report. ; |  |  |  |  |
| 900001041 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 51 combined months of mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score is 789 for B1, and 811 for B2. All credit reflected on credit report is paid 0x30 with no late payments noted. ; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated xx/xx does not indicate if the borrower declined an escrow account or if the lender does not offer one. - 4/22/2024 - Exception is cured with the attached PCCD. No restitution required, thus US Mailbox to be applied. TRID 0148 Exception Overridden to EV2;<br>TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) - The Maximum Principal and Interest Payment Amount in column 1 of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (xxx), while the Calculated Projected Payments Table has a value of (xxx). - 7/16/2024 - Recd copy of corrected Note with calculated payment of xxx. <br>NOTE(S): <br>5/16/2024 - Recd borrower signed ROR with rescission expiration xx/xx/xx. <br>5/15/2024 - Recd PCCD, Cover Letter, Courier Tracking Slip, and Restitution Check xxx. Delivery to borrower completed x/xx (Courier Tracking #xxx).<br>TRID 0092 Exception Downgraded to EV2/B; |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing Lender Approval. Unsigned 1008 only is in file. - 4/19/2024 - Exception is cleared with the attached copy of the UW decision. APRV 0010 Exception Cleared;<br>|  |
| 900000861 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 43 months of mortgage history paid 0x30 per credit reported. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt eliminating $2010 in total monthly payments. ; | CRED 0093 Credit Documentation is Insufficient - 1003's reflect employment date of XX/XX/XX; however, The Work Number VOE reflects employment date of XX/XX/XX. Discrepancy not addressed. Review used 1003 employment date. - EV2 Non-Material |  |  |  |
| 900000878 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 82 combined months of mortgage payment history paid 0x30 per credit report. Borrower has an existing 2nd lien paid off with the subject transaction which reflects 0x30 history since XX/XXXX as well. ; Net tangible benefit - Borrower paid off $XXXX in debt with the subject transaction eliminating $XXX in total monthly payments. ; |  |  | APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - Initial and Final 1003's reflect current property address number of XXXX; actual house number is XXXX. Borrower photo ID confirms XXXX as well. Credit report reflects XXXX as present street address since taken from 1003. - 05/03/24 Updated final 1003 received.<br>|  |
| 900000918 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 83 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt totaling $XXX with subject transaction eliminating $XXX in total monthly payments. ; | GIDE 0001 Guideline Exception(s) - First Mortgage Note requirements not met and listed as an ineligible Product/term, per the guideline. The subject 1st Mortgage Amortization of 540 months exceeds 30 YearS. No evidence of Investor exception located in file. - Investor Acknowledged Exception<br>CRED 0004 Back-end Ratio exception (DTI) - 49.70% DTI exceeds the max allowed per guidelines of 45%. Lender 1008 DTI reflected as 41.907%. Tape DTI reflected as 44.87%. Lender omitted the $XXXX Mortgage Insurance premium that is part of the subject property 1st lien payment per XXX Mortgage statement. Additionally Review calculated the borrower's base pay at a lower amount based on an average of XXXX and YTD income. - Investor Acknowledged Exception |  |  |  |
| 900000882 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 52 combined months of mortgage payments paid 0x30 per credit report. ; Verified credit history - Indicator credit score of B1 is 734 and B2 is 744. All credit history is paid 0x30 per credit report with active/open history dating back to XX/XXXX.; |  |  | APPR 0039 Appraisal Value is not supported by comparables - Missing appraisal comparables to support value assessed of $XXXX. Subject appraisal reflects a total of four closed sales and one listing. Subject property is XXXX square feet. Only comp #1 reflects lower square footage to the subject and this comp is located XXX miles from the subject. Closest comp to the subject is Comp #3 that is XX mile from subject. This seems to be a further distance for a suburban location. Comps range in distance of XX to XX miles away. FNMA and FHLMC SSRs in file reflects risk scores of 4.0 and 3.0. Value is not supported by the comps provided. Missing comparables within close distance of the subject that support the value. - 05/07/24 CDA dated XX/XX/XX received supporting value of $XXXX. No significant deficiencies are noted with the exception of: The use of sales which are unsupported (non-bracketed) in site size (other). The reviewer reconciles at the same opinion of value as the OA. The overall reliability of the report is adequate and the Appraiser's opinion of value is reasonably well<br>supported.<br>COMP 0041 NMLS is missing as required 1026.36(g) - Mortgage is missing page 7 of 7 including NMLS information. - 05/02/24 7 of 7 including NMLS information received.<br>APP 0004 Initial 1003 Application is Incomplete - Initial Application for B2 is not in file. - 4/29/2024 - Exception is cleared with the attached copy of the B2 initial 1003 with disclosure tracking to evidence the application was esigned. B2 was added to the loan after the initial application by B1. APP 0004 Exception Cleared;<br>|  |
| 900000890 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Established credit history - Active Tradelines date back 14 years with no reported lates.; Verified housing payment history - Credit report reflects more than 60 months mortgage history with no late payments.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal does not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD issued XX/XX/XX prior to closing disclosed an APR of 13.296%. Final CD issued XX/XX/XX disclosed an APR of 13.132%. Corrected CD with APR within tolerance required 3 business days prior to closing. <br>- EV2 Non-Material |  | NOTE 0050 Note is Incomplete - Note not in file. Data captured from alternate docs for compliance testing. - 4/23/2024 - Exception is cleared with the attached copy of the executed Note. NOTE 0050 Exception Cleared;<br>CRED 0091 Missing Tax Transcript(s) - Missing wage and income transcripts to support W2s in the file as required by guidelines. - 05/03/24 Transcripts received.<br>APRV 0001 Missing Underwriter Loan Approval - Approval not in file. Used 1008 for DTI. - 4/23/2024 - Exception is cleared with the attached conditional approval. APRV 0001 Exception Cleared;<br>|  |
| 900000875 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - The borrower has been with their current employer for more than 15 years.; Low DTI - DTI is 34.16%, maximum DTI 50% for this borrower.; |  |  | CRED 0100 Insufficient verified reserves - CLTV exceeds 75%. No assets documented in the file and cash out proceeds are not sufficient to cover 1 months PITIA. - 4/26/2024 - Exception is cleared with the attached pre-consummation dated asset statement documenting sufficient assets to cover reserve requirements. An additional post-consummation dated asset statement was provided. Review captured the balance from the most recent post-consummation dated statement as it had declined from the prior month. CRED 0100 Exception Cleared;<br>|  |
| 900000877 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit; Verified employment history; Verified housing payment history; | APPR 0044 HPML Appraisal Requirements are Not Met |  | APPR 0002 Appraisal is Incomplete<br>|  |
| 900000883 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 77 combined months of payment history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off consumer debt totaling $XXXX with subject transaction eliminating $926 in total monthly payments. ; |  |  | CRED 0082 Income Documentation is Insufficient - Missing confirmation of co-borrowers termination date from prior employment. - 4/29/2024 - "The WVOE was pulled on (#/##/####) but was current as of (#/##/####). The borrower started working at (employer) on (#/##/####), there are clearly no gaps of employment and even if the borrower was still active it would have no bearing on our income or employment."\*\* Agree, no 30+ day employment gap confirmed. CRED 0082 Exception Cleared;<br>|  |
| 900000927 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low 15 year term. Guidelines allow up to 30 year amortization.; Net tangible benefit - Borrower paid off $xxxx in consumer debt with subject transaction eliminating $xxxx in total monthly payments. ; |  |  |  |  |
| 900000889 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 36 months of mortgage pay history on 1st lien paid 0x30 and 19 months on 2nd lien paid 0x30 per credit report and credit supplement in file.; Net tangible benefit - Borrowers paid off $XXX debt (existing HELOC of $XXXX and $XXX of consumer debt) eliminating $XXX in total payments. ; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender Approval from loan file. Only an unsigned 1008 is in file. - 04/25/24 Lender loan approval received.<br>CRED 0072 VVOE dated outside of required timeframe - Missing verification of employment dated within 10 days of the Note date. - 04/25/24 TWN VVOEs for B1/B2 completed XX/XX/XX received.<br>|  |
| 900000892 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 121 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXXX in total monthly payments. ; |  |  | APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - Missing confirmed Borrower employment date. 1003's in file (initial and final) reflect borrower has been employed since the year XXXX. Written VOE in file reflects the year as XXXX. If WVOE is accurate, missing prior employment verification to confirm 2 years salaried employment. - 05/08/24 Corrected WVOE confirming borrower start date of XX/XX/XX received.<br>|  |
| 900000879 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Both borrowers have been with their current employers for more than 10 years.; Verified ownership of subject property - The borrowers have owned the subject property for more than 10 years.; |  |  |  |  |
| 900000931 | XXXX | Funded | 2 | 1 | 2 | 2 |  |  |  | Verified housing payment history - 144 combined months of mortgage payments paid 0x30 per credit repot. ; Net tangible benefit - Borrowers paid off consumer debt totaling xxx with subject transaction eliminating xx in total monthly payments. ; | TRID 0138 LE or CD NMLS Information is Deficient - Loan Disclosures / Escrows section of Final CD dated xx/xx/xx does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material<br>APPR 0002 Appraisal is Incomplete - Review is pending Investor approval of separate Standard AVM and Separate Exterior inspection. File contains an AVM by xxx effective xx/xx/xx and separate SiteX Report by xx dated xx/xx/xx. Per guideline AVM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) Must be an approved AVM provider. - Investor Acknowledged Exception to accept AVM and separate exterior PCI. |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender Approval from file. File contains an unexecuted 1008 only. - 04/26/24 Lender loan approval received.<br>APPR 0020 Missing Property Condition - Missing exterior property inspection. - 5/15/2024 - Recd exterior PCI; condition is indicated to be good. APPR 0020 Exception Cleared;<br>CRED 0091 Missing Tax Transcript(s) - Missing wage tax transcripts as required by guidelines for most recent two years on both borrowers. None in file. - 05/29/24 B2 Wage & Income transcript received.<br>05/16/24 Wage & income transcripts for B1 received.<br>|  |
| 900000874 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 54 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with current employer for 21 years.; | PROP 0002 Property Type is prohibited - Missing Investor acceptance of Property type. Subject property location is reflected to be XXX per AVM in file. LRP Guidelines do not allow for XXXX property location. Investor may require a full Appraisal. - Investor Acknowledged Exception |  | CRED 0086 Undisclosed or Excluded Debt - XXXX A/#XXXX paid in full. The documentation provided indicates the collateral was traded in. Missing verification of the new installment debt, if any. No letter of explanation provided. - 05/06/24 LOE from borrower received. Per LOE "I do not have a new account. This is the same as any other inquiries that took place in the month of February, when I was car shopping. I started working on trading in my expensive new car for a less expensive used one. But as we began the refinancing process, I chose to just sell my car to a local dealership and wait a few weeks for the refinance to be completed when I could just pay in cash for a less expensive vehicle replacement."<br>|  |
| 900000952 | XXXX | Funded | 2 | 2 | 1 | 2 |  |  |  | Verified housing payment history - 39 combined months of mortgage payment history paid 0x30 per credit report. ; Verified credit history - Indicator credit scores for B1 is xxx and B2 is xxx. All credit has been paid 0x30 for past 37 months. ; | APPR 0039 Appraisal Value is not supported by comparables - AVM confidence score is xx < 90 Minimum Required. - EV2 Post-Close Full Appraisal dated xx/xx/xx received. Value returned at xxx which supports the AVM value of xxx used for LTV/CLTV calculation.<br>PROP 0002 Property Type is prohibited - Missing Investor acceptance of Property type. Subject property location is reflected to be xxx, per the AVM in file. LRP Guidelines do not allow for xxx property location. Investor may require full appraisal. - Investor acknowledged exception. |  |  |  |
| 900000876 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Verified reserves - Including cash out proceeds the borrowers have 15 months PITIA reserves. No reserves required for this transaction.; Low DTI - DTI is 35.16%, up to 45% acceptable.; | APPR 0039 Appraisal Value is not supported by comparables - The loan was underwritten using an AVM. Per guideline the FSD score must be less than or equal to .10, however the AVM in the file reflects an FSD score of 0.12. No approved exception in the file. - EV2 Investor Approved Exception |  |  |  |
| 900000922 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - Between documented liquid funds and cash out proceeds, the borrowers have 17 months PITIA reserves. No reserves required.; Verified credit history - FICO 767, minimum required 680.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal does not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 Non-Material<br>TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Lender credit $XX < Fee Variance of $XX; allowable max charges for 10% tolerance $XX / Actual $XX. Difference is $XX. - EV2 Post-Closing corrective action.-06/03/21 Delivery confirmed XX/XX/XX. XX/XX/XX PC CD, LOE, copy of refund check, and Fed-Ex tracking received. Package not out for delivery. |  | CRED 0104 Missing Letter of Explanation - Missing LOE for the 30 day late on XXXX in XX/XX/XX. - 05/01/24 Executed LOE received.<br>|  |
| 900000919 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV is 59.83%, up to 85% acceptable; Verified housing payment history - 45 months of 0x30 housing payment history documented in the file, 24 months required; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing wage and income transcripts for both borrowers. - 05/03/24 Tax transcripts received.<br>CRED 0117 Questionable Occupancy - Loan approved as owner occupied. Borrower has owned subject property for many years, and has used as primary dwelling for 8 months. IDs, Tax bill and subject HOI shows borrower mailing address at prior primary XXXX. B2 pay stub dated XX/XX/XX shows borrower address of XXXX. Addresses in XXXX are more proximate to B2 place of employment in XXXX (approx. XX miles) Subject property is XXX miles from B2 job. - 05/03/24 Duplicate finding for Fraud 001. TPR Error<br>FRAUD 0001 Fraud report alerts have not been addressed - Missing documentation used to clear the fraud alerts:<br>-3rd party social verification for both borrowers<br>- Evidence borrower 2 works remotely<br>- 05/02/24 SSA-89 reports received.<br>05/23/24 LOE from borrower received regarding remote work/employment. <br>|  |
| 900000885 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Both borrowers have been with their current employers more than 10 years.; Verified reserves - Borrowers are receiving 9 months PITIA reserves from cash out proceeds, no reserves required.; | TITL 0003 Title Issue affecting Lien Position - Legal description attached to Mortgage differs from legal description in Preliminary Title Report. First sentence in Mortgage legal description refers to Area of XXXX. First sentence in Preliminary Title legal description refers to City of XXXX. - EV2 The lot and tract description and APN is an exact match. XXXX is not a different city, but is part of the city of XXXX. |  | CRED 0096 Missing proof of PITI payment on non-subject property - Missing evidence of PITIA on XXXX, per final 1003 this is raw land retained as investment. The ownership, property type, certification of no hazard insurance is in the file for XXXX but no documentation for XXXX. This address is also not reflected in the fraud tool. - 04/30/24 PRD for property received. Taxes updated.<br>|  |
| 900000886 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Borrower is receiving 10.93 months PITIA reserves in cash out proceeds, only 2 months required.; Verified employment history - The borrower has been with their current employer for more than 10 years.; |  |  |  |  |
| 900000887 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle credit score 712 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 72.27% CLTV < 85% Max Allowed.; Low DTI - 29.49% DTI < 45% Max Allowed.; | CRED 0024 Missing Proof Judgement and/or Tax Lien Paid/Released - Missing affidavit that the records returned under borrower name searched do not belong to the borrower. - 04/30/24 Email from title received confirming Judgments did not belong to the borrower. |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing documentation used to address potential match on the fraud report watchlist results, XXXX. - 04/03/24 OFAC search received.<br>TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing evidence the LE issued on XX/XX/XX was received by borrower the same day. - 04/30/24 Disclosure tracking details confirming borrower receipt XX/XX/XX received.<br>|  |
| 900000982 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 51 months of mortgage payments paid 0x30 per credit report and credit supplement. ; Low LTV/CLTV/HCLTV - Low 47.172% CLTV. Guideline allows up to 85% with Fico > 700. ; | CRED 0082 Income Documentation is Insufficient - Missing verbal online confirmation. Yellow page lookup in file reflects business name as (self employment business). Borrower business is not Incorporated. , Compensating Factors: - 6/13/2024 - Exception is downgraded to EV2 with the attached post-consummation dated (tax preparer) letter and copies of active business licenses, which are in support of the pre-consummation (tax preparer) letter dated > 10 days prior to closing with two years tax returns and YTD P&L provided in file. CRED 0082 Exception Downgraded to EV2;Low LTV/CLTV/HCLTV |  | TITL 0013 Title Policy - Schedule A Exception - Missing final title policy to confirm title insurance policy insured amount is xxx. Commitment in file reflects xxx (p. 349). - 05/20/24 Final title policy confirming insured amount of $253,000.<br>|  |
| 900000908 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 127 months of combined mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt with subject transaction eliminating $XX in total monthly payments. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Lender disclosed 12 months of HOA payments of $XXX. Source of Lender's HOA value is unknown. Appraisal reflects $XXX per month and another document reflects $XXX. - 5/9/2024 - Recd PCCD and LOE. TRID 0204 Exception Overridden to EV2;<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Final executed CD in file reflects loan disbursed on XX/XX/XX which is the same date of the ROR rescission expiration. Interest To/From dates under prepaid interest reflect Interest start date of XX/XX/XX. No final settlement statement to confirm actual disbursement date. - 5/9/2024 - Recd PCCD and LOE with US Mail Box to be applied. Refund to borrower not required as the settlement statement and PCCD confirms disbursement XX/XX with interest from XX/XX. TRID 0204 Exception Overridden to EV2; |  | CRED 0091 Missing Tax Transcript(s) - Missing prior two years Wage transcripts for B2 as required per guidelines. - 05/06/24 XX/XX Wage transcripts for B2 received.<br>DEED 0012 Missing Condo Rider - Missing Condo Rider to the Mortgage in file. Page 6 of 8 of the Mortgage indicates a Condo Rider was executed. - 05/06/24 Executed condo rider received.<br>HUD 0028 Loan Disbursement Date and Interest From on HUD do not match - Interest To/From dates on final CD reflect Interest start date of XX/XX/XX. Disbursement date on page one of the CD in Closing Information section reflects disbursement date of XX/XX/XX. Property is located in State of XX. - 05/06/24 Final settlement statement reflecting a disbursement date of XX/XX/XX received.<br>APRV 0001 Missing Underwriter Loan Approval - Missing Lender Approval from file. File contains an unexecuted 1008 only and lender file overview but no dated approval in file. - 05/06/24 Lender loan approval received.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing evidence of borrower's individual Homeowner's policy premium cost. Policy reflects premium due is $0.00. No HOI was included in PITIA for the subject property. Condo master policy is in file. Unable to determine borrower's monthly obligation for hazard insurance as policy reflects premium is paid. - 5/9/2024 - Exception is cleared with EOI. CRED 0103 Exception Cleared;<br>|  |
| 900000888 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 114 combined months of mortgage payments paid 0x30 per credit report. ; |  |  |  |  |
| 900000947 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 22 mths verified reserves w/subject cash out proceeds w/a minimum requirement of 2.; Low DTI - 30.27% DTI w/a max allowed of 45%.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed in accordance to Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations - EV2 Non-Material<br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender Approval. Only an unexecuted 1008 is in file. - 5/9/2024 - Received UW decision. APRV 0001 Exception Cleared;<br>TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. <br>|  |
| 900000897 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 136 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - Borrower has been on job for 14 years.; Income verified was not used in qualifying - Borrower has history of earning additional income that was not considered in qualifying. ; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing most recent 2 years wage tax transcripts as required per guidelines. - 05/07/24 XXXX/XXXX Wage & Income transcripts received.<br>|  |
| 900000921 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Borrower paid off $XXXX in consumer debt with subject transaction eliminating $XXX in total monthly debt. ; Verified housing payment history - 50 months of combined mortgage payment history paid 0x30 per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations - EV2 Non-Material |  | APPR 0076 Appraisal Discrepancy - Page 1 reflects the subject is not currently listed and has not been listed w/in the past 12 mths. On page 2 of the appraisal the appraiser indicates subject property is currently offered for sale. Appraiser to address discrepancy and update accordingly. - 05/08/24 Updated appraisal received. Page 2 updated to reflect that the Subject property is currently not offered for sale.<br>|  |
| 900000901 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 192 combined months of mortgage housing payments paid 0x30 per credit report. ; |  |  |  |  |
| 900000912 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 125 combined months of mortgage payments paid 0x30 per credit report. ; | TRID 0144 LE or CD Projected Payments Section is Deficient - Final CD reflects that taxes and insurance were to be escrowed. No escrows were established. Confirmed 1st lien is escrowed. - EV2 Non-Material |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender Approval from file. Unexecuted 1008 only is in file. - 5/9/2024 - Recd underwriting approval. APRV 0001 Exception Cleared;<br>|  |
| 900000938 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history; | GIDE 0001 Guideline Exception(s) - Missing investor acknowledgment of separate AVM and PCI. File contains an AVM from xxx with Confidence score of 89/ FSD 11 and separate Post Disaster inspection w/interior and exterior photos. (xxx not on approved AVM vendor list). - 06/03/24 Investor Acknowledged Exception to accept value from AVM with PC BPO that supported value w/in 5% tolerance. |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender Approval from file. Only unexecuted 1008 in file. - 5/10/2024 - Received conditional approval. APRV 0001 Exception Cleared;<br>TITL 0013 Title Policy - Schedule A Exception - Missing final title to confirm insured for minimum of xxx. Prelim in file does not disclose proposed insured amount. - 5/9/2024 - Received title supplement with coverage sufficient to cover the note amount. TITL 0013 Exception Cleared;<br>|  |
| 900000896 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 69 combined months of housing paid 0x30 per credit report.; Net tangible benefit - Borrowers paid off $XXXX in consumer debt with subject refinance eliminating $XXXX in monthly debt. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material. |  | CRED 0082 Income Documentation is Insufficient - B1 paystub (date) reflects YTD gross income of ($XX,XXX) which does not calculate to the monthly salary earnings. Paystub ending (date) reflects YTD ($#,###). Discrepancy must be satisfactorily addressed. - 5/10/2024 - Exception re-reviewed and cleared; no discrepancy noted. CRED 0082 Exception Cleared;<br>|  |
| 900000898 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 125 months of mortgage payments paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with current employer for 18 years. ; |  |  |  |  |
| 900001040 | XXXX | Approved | 2 | 1 | 1 | 2 |  |  |  | Verified reserves - xxx in cash out proceeds received or 20.37 months PITIA reserves. Two months required.; Verified credit history - The borrower's credit history dates back xx years with no reported lates.; | APPR 0039 Appraisal Value is not supported by comparables - Per guidelines, when using an AVM (vendor) the confidence score must be less than or equal to .10, the confidence score for this loan is .15. Missing approved exception. - Investor acknowledged exception with Post-Close BPO supporting value. |  | CRED 0093 Credit Documentation is Insufficient - Missing verification from the property owner that the borrower lives rent free. - 7/22/2024 - Exception is cleared with the attached rent free letter from the owners of borrowers primary residence. CRED 0093 Exception Cleared;<br>|  |
| 900000899 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - $XXXX in cash out proceeds received or 12.64 months PITIA reserves. No reserves required.; Verified credit history - FICO 798, minimum required 680.; | CRED 0004 Back-end Ratio exception (DTI) - Lender approved DTI 21.51%, Review DTI 32.43%. Variance appears to be due to borrower 2's wage income being doubled. The borrower's monthly income is $XXXX, the final 1003 reflects this but includes the income again from an additional employer with no employer information. Income used to qualify on the 1008 for this borrower reflects $XXXX monthly. Max allowed DTI per program 45% - EV2 DTI variance exceeds 3% but is well under the max allowed of 45% |  |  |  |
| 900000900 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Loan Term < or = 15 year - Subject term is 15 year when guidelines allow up to 30 term. ; Verified employment history - Borrower has been employed with current employer for 10 years. ; |  |  |  |  |
| 900000957 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves are required, borrower is receiving 8.87 months PITIA reserves from the cash out proceeds.; Low LTV/CLTV/HCLTV - CLTV is below 40%.; Verified ownership of subject property - The borrowers have owned the subject property since xxxx.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing tax transcripts as required by guideline to support the 1099-R and SSA-1099s in the file. - 06/03/24 xxxx/xxxx Wage & income transcripts for B1/B2 received.<br>|  |
| 900000929 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - No reserves required, $xxx in cash out proceeds received or 11.85 months.; Verified housing payment history - 25x0x30 mortgage payment history on the first mortgage. 117x0x30 for mortgages in credit history.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal does not contain verbiage affirming that it was prepared in accordance with Title XI of FIRREA and any implementing regulations. Appraisal does not meet CFPB Safe Harbor criteria for HPML Appraisals. - EV2 Non-Material |  | CRED 0097 Missing Verification of Liability (Contingent or Otherwise) - Missing verification of the credit account xxx account included in DTI with a payment and balance of xx. This liability does not appear on the credit report and no alternative documentation was located in the file. Payments are reflected on the bank statement in the file but the terms and payment history are not documented. - 05/28/24 Copies of payment agreements received. 3 payments plans with payments totaling xx verified. <br>|  |
| 900000958 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Loan Term < or = 15 year - Subject Note reflects a 15 year term when guidelines allow up to 30 years. ; Income verified was not used in qualifying - Borrower borrowers have longevity on the job with history of earning more than base salary based on paystubs and W2's provided. Only the base pay was included in qualifying on both borrowers. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - UPDATED: Unable to validate lender disclosed Taxes, Insurance, & Assessments of xxx for taxes, insurance, and HOA fees w/ Estimated Property Costs over Year 1 of xxx (11 mths). Variance appears to be due to lender including monthly HOA fee of xxx. Unable to verify as appraisal does not reflect the subject to be in a PUD or have HOA Dues. Review calculated Taxes, Insurance, & Assessments of xxx with estimated Property Costs over Year 1 of xxx (11 mths).<br>ORIGINAL: Unable to validate lender disclosed Taxes, Insurance, & Assessments of xxx for taxes, insurance, and HOA fees w/ Estimated Property Costs over Year 1 of xxx (11 mths). Variance appears to be due to lender including monthly HOA fee of xxx. Unable to verify as appraisal does not reflect the subject to be in a PUD or have HOA Dues. Review calculated Taxes, Insurance, & Assessments of xxx with estimated Property Costs over Year 1 of xxx (11 mths). - EV2 Post-Closing corrective action- Corrected PC CD and LOE received xx/xx/xx.<br>CRED 0003 Credit Score (FICO) exception - Primary wage earner mid fico of xxx does not meet the minimum requirement of xxx. - Investor Acknowledged exception to accept rescored fico. |  |  |  |
| 900000933 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - The borrower has been with their current employer for more than 20 years.; Verified reserves - Borrower is receiving xxx or 38.43 months PITIA in cash out proceeds, no reserves required.; |  |  | CRED 0097 Missing Verification of Liability (Contingent or Otherwise) - Missing verification of the solar lease payment terms, per the 1003 Creditor xxx payment xxx balance xxx was included in DTI. - 5/13/2024 - Recd solar lease; Payment balance is based on the 12th year payment schedule. CRED 0097 Exception Cleared;<br>HAZ 0001 Missing Hazard Insurance Proof of Premium - There are two hazard insurance policies in the file, one through policy number xxx, one through policy number xxx. Both have effective dates of xx/xx/xx and there is no evidence of payment for either policy. The policy is considered in HTI. - 05/28/24 Verification both policies were paid in full received.<br>|  |
| 900000910 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 109 combined months of 1st lien mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXX of consumer debt with subject transaction eliminating $XXX in monthly debt. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  | HAZ 0005 Missing evidence of Hazard Insurance - Missing evidence of Hazard insurance coverage/declarations page or policy from the file. Lender used a monthly premium amount of $XXX in qualifying. Missing evidence of Hazard Insurance coverage with proof annual premium does not exceed $XXX with proof it is paid. - 5/13/2024 - Exception is cleared with the attached EOI. HAZ 0005 Exception Cleared;<br>DEED 0021 Missing Legal Description on Mortgage/DOT - Legal description as referenced in Mortgage Deed of Trust is missing and not included as referenced (Exhibit A). A copy of Schedule C has been placed but Mtg DOT Exhibit A is missing. - 5/13/2024 - Recd Deed of Trust with Exhibit A. DEED 0021 Exception Cleared;<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Unable to confirm due to missing hazard policy. Using disclosed hazard amount from 1008. Reviewer matches. - 5/13/2024 - Exception is cleared with the attached EOI. TRID 0204 Exception Cleared;<br>APRV 0001 Missing Underwriter Loan Approval - Missing Lender Loan approval from file. File contains an unexecuted 1008 only. - 5/13/2024 - Recd UW Decision. APRV 0001 Exception Cleared;<br>|  |
| 900000937 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Borrower is receiving xxx or 22.67 months PITIA in cash out proceeds, xxx required.; Low DTI - DTI 21.01%, up to 50% allowable; |  |  | CRED 0072 VVOE dated outside of required timeframe - Missing verification of employment within 10 days of closing for borrower 1, the only VOE in the file for this borrower is dated xx/xx/xx. Loan closed xx/xx/xx. - 5/10/2024 - Exception re-reviewed and cleared; VOE dated within 10 days of the Note date located in file. CRED 0072 Exception Cleared; <br>CRED 0006 Missing Employment doc (VVOE) - Missing verification of previous employment dates for borrower 1 with Employer. - 05/23/24 Exception cleared, guideline clarification from lender received. VVOE for previous employment not required when documented with previous years W2s.<br>|  |
| 900001517 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified housing payment history - 39x0x30x mortgage payment history.; Verified employment history - The borrower has been with their current employer more than xxx years.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed amount = $xxx, calculated amount = $xxx. 1008 shows higher amounts for property tax $xxx and insurance $xxx. Reviewer used pg. xxx for tax $xxx and pg. xxx/xxx for insurance $xxx. - EV2 Post-Closing corrective action. xx/xx/xx PC CD and LOE to borrower received.<br>CRED 0004 Back-end Ratio exception (DTI) - Updated 09/24/24 Approved exception - DTI exceeds 45%. Borrower does not qualify for 50% DTI due to FICO and residual income less than $xxx. Approved DTI 47.006%, review DTI 49.43% - Investor Acknowledged Exception |  | TRID 0171 Missing valid Change of Circumstance(s) - Missing valid COC for LE issued xx/xx/xx. COC on page xxx does not explain why fees are increasing. No fee tolerance exception. - 06/11/24 Exception set in error, no fee violation.<br>PROP 0003 Missing Required Property Inspection - Missing post disaster inspection report. Subject is in xxxxxx County which was a declared disaster area as of xx/xx/xx. - 03/03/2025 - Roof inspection dated xx/xx/xx evidencing roof repairs were completed has been provided. Finding cleared.<br>APRV 0001 Missing Underwriter Loan Approval - Loan Approval form not in file. 1008 on page xxx. - 5/14/2024 - Recd uw conditional approval. APRV 0001 Exception Cleared;<br>DMND 0003 Missing Payoff/Demand Statement - Missing payoff/statement for the following debts paid at closing, the balance reflected on the final CD does not match the balance reported on credit:<br>(Creditor) xxxx balance on credit report $xxx, balance paid at closing $xxx.<br>(Creditor) xxxx balance on credit report $xxx, , balance paid at closing $xxx.<br>(Creditor) xxxx balance on credit report $xxx, balance paid at closing $xxx. - 09/24/24 (Creditor) statement and payoff confirmation from (creditor) received. xx/xx/xx (Creditor) statement received.<br>|  |
| 900000923 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 170 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XXXX of consumer debt with subject transaction eliminating $XXXX in monthly payments. ; | PROP 0002 Property Type is prohibited - Missing Investor acceptance of Property type. Subject property location is reflected to be XXXX. LRP Guidelines do not allow for XXXX property location. - Investor Acknowledged Exception- Investor accepts rural property. |  | TITL 0013 Title Policy - Schedule A Exception - Missing final title to confirm Policy insured for minimum of $XXXX. Title Commitment in file reflects proposed policy amount of $XXXX. - 05/23/24 STG Home Equity Loan policy reflecting liability of $XXXX received.<br>|  |
| 900001009 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV is 50.773%; Verified employment history - Both borrowers have been with their current employers more than xxx years.; Verified reserves - Borrower is receiving xxx or 6.65 months PITIA in cash out proceeds, no reserves required.; |  |  | TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) - The Maximum Principal and Interest Payment Amount in column 1 of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (xxx), while the Calculated Projected Payments Table has a value of (xxx). - 07/09/24 Confirmed xxx variance is acceptable as it is within xxx. <br>APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. - 5/13/2024 - Recd UW Decision. APRV 0001 Exception Cleared;<br>CRED 0082 Income Documentation is Insufficient - Missing explanation of the "Other" income on borrower 1's paystub. It does not appear to be paid at the same rate as regular earnings, but made up a substantial portion of the income earned in xxxx - see paystub, base pay totals xxx or xxx monthly. Other pay was xxx. Income used to qualify is xxx. Information is needed to determine why regular earnings were so low in the previous year and confirm this income is equivalent to regular earnings and expected to continue. The lender included this income in their base income calculation.<br>- 06/03/24 Employer explanation of pay changes dated xx/xx/xx received. Lender income calculation supported.<br>TRID 0171 Missing valid Change of Circumstance(s) - Missing valid reason for AVM added on LE issued xx/xx/xx. - 5/13/2024 - Recd same COC in file. No fee violations. TRID 0171 Exception Cleared;<br>HAZ 0001 Missing Hazard Insurance Proof of Premium - Missing evidence the hazard insurance premium is paid in full. The first mortgage is not escrowed, the current policy just started xx/xx/xx (loan closed xx/xx/xx). The hazard insurance in the file does not address whether there is a balance due. - 06/03/24 Email from insurance agent received confirming policy is paid in full through xx/xx/xx.<br>|  |
| 900000955 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 98 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - B1 has been on xxx for xx years. ; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing past two years Wage tax transcripts on both borrowers as required per guidelines. None located in file. - 06/04/24 xxxx/xxxx Wage & Income transcripts for B2 received.<br>05/17/24 xxxx/xxxx Wage & Income transcripts for B1 received.<br>|  |
| 900000903 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - VOEs confirm 10+ years employment with present employer for both B1/B2.; Verified housing payment history - Credit report confirms 37 months satisfactory mortgage rating.; Low LTV/CLTV/HCLTV - 52.71% CLTV < 85% Max Allowed.; Low DTI - 21.20% DTI < 45% Max Allowed.; |  |  | TRID 0135 No proof borrower(s) can receive documents via the electronic method as intended - No proof provided borrowers can receive documents electronically. missing borrower signed electronic consent agreement. - 5/14/2024 - Recd B1/B2 eConsent. TRID 0135 Exception Cleared;<br>|  |
| 900000985 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been on present job for xxx years. ; Verified housing payment history - 43 months of mortgage payment history verified 0x30 per credit report.; Net tangible benefit - Borrower paid off consumer debt totaling xxx with subject transaction eliminating xxx in monthly payments. ; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - COC on page 335 for added title commitment in the amount of xx does not specify a reason for the added fee. SPL not in file. Entered fees as from SPL to test compliance. - EV2 Post-Closing Corrective Action - xx/xx/xx Delivery confirmed. <br>06/18/24 PC CD, LOE, refund check in the amount of xx, and Carrier tracking received. |  | TRID 0135 No proof borrower(s) can receive documents via the electronic method as intended - No evidence borrower can receive documents electronically. - 06/11/24 Esign disclosure received.<br>COMP 0010 Missing Affiliated Business Disclosure - Affiliated Business Disclosure not in file. - 5/14/2024 - Recd borrower signed ABD. COMP 0010 Exception Cleared;<br>RESPA 0029 Missing Homeownership Counseling Disclosure - Homeownership Counseling Disclosure not in file. - 5/14/2024 - Recd acknowledgement of receipt of Homeownership Counseling Organizations List. RESPA 0029 Exception Cleared;<br>|  |
| 900001010 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 153 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off xxx in consumer debt with subj transaction eliminating xxx in total monthly payments. Prior to closing, borrowers also paid off an additional installment debt eliminating an additional xxx payment. ; | CRED 0004 Back-end Ratio exception (DTI) - Review DTI is 46.68% exceeds the max allowed of 45%. Lender DTI is 44.396%. Per the final 1003, it appears that the lender did not include the xxx payment for (Financial Institution) ending #xxxx. (Guidelines allow up to 50%; however, the borrowers do not meet the residual income requirement to exceed 45%). - Investor Acknowledged 1.68% DTI Exception |  | NOTE 0006 Missing Subordination Agreement - Missing fully completed Subordination Agreement for (Financial Institution) associated with UCC Financing Statement. Subordination Agreement copy in file is incomplete. (No final title policy provided to confirm subject lien in 2nd lien position.) - 06/03/24 Copy of complete and recorded subordination agreement received.<br>CRED 0086 Undisclosed or Excluded Debt - Missing verification of loan to (Financial Institution) associated with UCC Financing Statement for (Company). UCC statement reflects opened date of xx/xx/xx. CC Bank debt on credit report reflects an open date of xx/xx, balance of xxx, and a payment of xxx. Final DTI is pending confirmation of no additional payment/loan amount. - 07/09/24 Cleared per explanation received from lender with a copy of the UCC filed xx/xx. <br>07/09/24 Recd from lender: The UCC filing is matching up the same loan number that we reflect on the credit report. The reason for the dates not matching is due to a previous subordination when we refinance the borrower in the end of xxxx.<br>TRST 0003 Trust Agreement is Incomplete - Trust Certification is missing page xx of xx. - 06/03/24 Page xx of the Trust Certification received.<br>|  |
| 900000914 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900000983 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Middle credit score xxx with no history of delinquency. Minimum FICO required xxx.; Low DTI - 36.34% DTI < 45% Max Allowed.; Low LTV/CLTV/HCLTV - 74.74% CLTV < 85% Max Allowed.; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing valid COC Missing valid COC for LE issued xx/xx/xx. COC on page 328 says loan amount increased per borrower request, and title added sub-escrow fee and notary fee, and closing fee increased. Increase in loan amount does not explain reason for adding sub-escrow and notary fee, or for increasing closing fee. Increased Notary Fee remains out of tolerance. for addition of Notary Fee on LE issued xx/xx/xx. See TRID 0171. \*\* - EV2 Post-Closing Corrective Action - xx/xx/xx Delivery Confirmed.<br>06/18/24 PC CD, LOE, refund check in the amount of xxx, and Carrier tracking received. |  | COMP 0035 Affiliated Business Disclosure Not Provided Within 3 Business Days of Application - ABD on page 55 was issued xx/xx/xx. Missing ABD issued within 3 days of Application. - 05/30/24 Affiliated Business Disclosure dated xx/xx/xx received.<br>TRID 0151 Missing Evidence of Service Provider List - SSPL not in file. Section C fees coded as from provider list. - 05/30/24 SPL disclosures issued xx/xx/xx4 received.<br>RESPA 0029 Missing Homeownership Counseling Disclosure - Homeownership Counseling Disclosure not in file. - 05/30/24 Executed Homeownership Counseling Disclosure Acknowledgment dated xx/xx/xx received.<br>CRED 0006 Missing Employment doc (VVOE) - Missing VVOE from previous employment with Meditology Services LLC and University of California. - 05/30/24 Verification of previous employment received.<br>|  |
| 900000909 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 67.90% CLVT, maximum of 85% allowed. ; Verified housing payment history - 118 months of verified mortgage history paid 0x30. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  |  |  |
| 900000915 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 62.2% CLTV, maximum of 85% allowed per guidelines. ; Verified housing payment history - 86 months of mortgage history verified paid 0x30. ; |  |  |  |  |
| 900000924 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Middle credit score 751 with no history of delinquency reported. Minimum required 680.; Low LTV/CLTV/HCLTV - 64.22% CLTV < 85% Max Allowed.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD XX/XX/XX APR 10.643%, CD XX/XX/XX APR 10.321%. - EV2 Non-Material APR Decreased |  | TRID 0137 Cannot Reconcile LE / CD Versioning - Missing CD issued XX/XX/XX matching COC issued XX/XX/XX. - 05/23/24 Confirmed the CD issued 0XX/XX/XX was the final CD and no interim CD was issued.<br>|  |
| 900000925 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - Approved DTI 38.82% < 45% Max Allowed.; Verified employment history - B1 VOE confirms 3+ years employment with present employer. B2 VOE confirms 12+ months years employment with present employer.; |  |  |  |  |
| 900000956 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 250 months of mortgage history paid 0x30, verified per credit report. ; Verified credit history - xxx qualifying credit score, minimum xxx required. ; |  |  | TRID 0171 Missing valid Change of Circumstance(s) - COC issued on xx/xx/xx does not give reason for added notary fee and title examination, change to closing fee to settlement fee and rent schedule being added. - 06/05/24 TRP Error, no fee violations.<br>|  |
| 900000926 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - File contains proof of 32 months of verified reserves when guidelines require no reserves.; Verified employment history - B1 has been employed with employer for 14.5 years.; |  |  |  |  |
| 900000907 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - File contains proof of 32 months of verified reserves when guidelines require none.; Low DTI - DTI of 26.15 is well below Lender guidelines max allowed of 45%.; | PROP 0002 Property Type is prohibited - Investor approved exception for XXXX property. - EV2 Investor Acknowledged Exception |  |  |  |
| 900000911 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 46.21%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 58 months of mortgage history paid 0x30, verified per credit report. ; Net tangible benefit - Debt consolidations saving borrower $XXX/mo. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  |  |  |
| 900000913 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 68.29%, maximum of 85% allowed per guidelines. ; Verified credit history - 795/812 qualifying credit scores, minimum required of 680. No derogatory credit. Credit file dates back to xx/xxxx. ; |  |  |  |  |
| 900000954 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | CRED 0093 Credit Documentation is Insufficient - Per Closing Disclosure xxx was paid off at closing. Missing documentation of borrowers installment agreement, payment history and confirmation of payoff. - 05/31/24 2022 1040 transcript received reflecting balanced owed of xxx. Finding cleared.<br>|  |
| 900000984 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 69%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 123 months of mortgage history paid 0x30, verified per credit report. ; | PROP 0002 Property Type is prohibited - Subject is Rural property per appraisal (pg 339). Per guidelines prior approval is required. Appraisal meets guidelines for rural property. Missing evidence of prior approval for Rural property. - EV2 Investor Acknowledged Exception to accept xxx property. |  | TRID 0134 Missing E-Sign Disclosure - E-Sign Disclosure not in file. E-Tracking not in file showing consent. - 06/03/24 eSign disclosures for B1/B2 received.<br>APP 0004 Initial 1003 Application is Incomplete - Initial 1003 for B2 not in file. Only intial 1003 for B1 provided (pg 121). - 04/09/24 Initial 1003 executed by B1/B2 on xx/xx/xx received.<br>|  |
| 900001008 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid COC for addition of second appraisal fee and increase in tax stamps on CD issued xx/xx/xx. COC does not give a reason for either the tax increase or second appraisal. Second Appraisal Report is not in file. -- - EV2 Post-Closing Corrective Action -- xx/xx/xx Copy of PC CD, LOE, refund check, and tracking received. Delivery confirmed. |  | APPR 0002 Appraisal is Incomplete - Per email there were 2 appraisals obtained for this file, one for xxx and one for xxx. Appraisal in file is for xxx which was used for qualifying. Original appraisal with value of xxx was not provided for review. - 06/11/24 Copy of 2nd appraisal received.<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. Review is pending receipt of 2nd appraisal. - 06/03/24 Appraisal dated xx/xx/xx with value of xxx received. Appraisal contains FIERRA certification. (Appraisal submitted for APPR 0002 Appraisal Incomplete)<br>|  |
| 900000945 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 69.04%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 159 months of mortgage history reviewed on credit report. Only one isolated late payment dated x/xxxx. No late payment in over 36 months. ; | TRID 0148 LE or CD is Deficient - CD does not specify if the borrower declined an escrow account or if the lender did not offer one. - EV2 Non-Material |  | APRV 0001 Missing Underwriter Loan Approval - Lender loan approval not in file. 1008 does not provided UW name or approval date. - 05/20/24 Approval received.<br>|  |
| 900000904 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 57%, maximum of 85% allowed per guidelines. ; Net tangible benefit - Debt consolidation saving borrower $XXXX per month. ; |  |  |  |  |
| 900000905 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 60%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 282 months of mortgage history paid 0x30, verified per credit report. ; Low DTI - 25.84% DTI, vs 45% DTI maximum per guidelines. ; |  |  |  |  |
| 900000906 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 45.58%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 209 months of mortgage history paid 0x30, verified per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  |  |  |
| 900000940 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 107 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 54.88%, maximum of 85% allowed per guidelines. ; |  |  | HAZ 0001 Missing Hazard Insurance Proof of Premium - Borrower qualified with hazard payment of xxx. Evidence of insurance did not state premium amount. Missing confirmation of annual hazard insurance premium. - 05/23/24 HOI deck page received. Monthly premium of xxx verified. <br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Missing verification of the Hazard total policy premium to validate the disclosed Estimated Property Costs over Year 1 of xxxx. - 05/23/24 HOI deck page received. Validated Estimated Property Costs over Year 1 were accurate.<br>|  |
| 900000943 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Debt consolidation saves the customer xxx. ; Verified housing payment history - 133 months of mortgage history paid 0x30, verified per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  |  |  |
| 900001011 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 36.7%, maximum of 85% allowed per guidelines. ; Verified employment history - xx years of verified employment history with same employer confirmed. ; | GIDE 0001 Guideline Exception(s) - AVM completed by (Company) has Confidence Score of 50 and FSD score of .5. Per guidelines an FSD score of <= .10 is required. AVM does not meet guideline requirements. - 07/11/24 Emailed received from LRCP that an exception has been approved. Reduced BPO value used for LTV/CLTV15.41% / 72.80%. |  |  |  |
| 900000988 | XXXX | Approved | 2 | 1 | 1 | 2 |  |  |  | Verified housing payment history - 107 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 53%, maximum of 85% allowed per guidelines. ; | AVM 0002 Post Closing AVM Review Variance is not within tolerance - AVM (pg 404) completed by Collateral Analytics has a confidence score of 78 and FSD score of .12. Per guidelines an FSD score of <= .10 is required. AVM does not meet guideline requirements. - Investor acknowledged exception to accept w/post close BPO. |  |  |  |
| 900001106 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 68.23%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 244 months of mortgage history paid 0x30, verified per credit report. ; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender Loan Approval with UW name and date of approval. Unsigned 1008 provided in file. - 07/03/24 Lender loan approval received.<br>|  |
| 900000941 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 67%, maximum of 85% allowed per guidelines. ; Low DTI - 21.49% DTI, maximum of 45% allowed. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  |  |  |
| 900000949 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Income verified was not used in qualifying - Appraisal confirmed xxx/mo rental income from tenant occupied units which was not used to qualify. ; Verified housing payment history - 138 months of mortgage history paid 0x30, verified per credit report. ; | PROP 0002 Property Type is prohibited - Subject is 3 Unit property. 2-4 Unit properties are ineligible per guidelines. No Investor exception acknowledgment located in file. Lock does reflect the property to be 2-4 units. - EV2 Investor Acknowledged Exception- Copy of investor exception approved xx/xx/xx received. |  |  |  |
| 900000932 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 265 months of mortgage history paid 0x30, verified per credit report. ; Net tangible benefit - Debt consolidation is saving borrowers xxx. ; |  |  |  |  |
| 900001043 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 64.76%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 177 months of mortgage history paid 0x30, verified per credit report. ; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increased in recording fees. - 7/22/2024 - Exception downgraded to EV2/B with PCCD, copy of refund check xxx, and courier tracking slip. Courier tracking confirms delivery was completed 60 days from discovery. TRID 0124 Exception Downgraded to EV2/B. |  | TRID 0171 Missing valid Change of Circumstance(s) - 1) Missing COC for LE issued for rate increased.<br>2) Missing COC for LE issued for title endorsements being removed and recording fee increase. Remains out of tolerance. - 7/16/2024 - Recd PCCD, copy of refund check xxx, and courier tracking slip. Duplicate exception to TRID 0124. TRID 0171 Exception Cleared;<br>|  |
| 900000934 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | APP 0002 Final 1003 Application is Incomplete - Final 1003 lists the incorrect self employment details. 1003 shows ownership in business is less than 25%. Per K1 borrower owns 100% of this business. 1003 does not list ownership percentage for business. Per K1, borrower owns 50% of this business. - 05/30/24 Corrected 1003 reflecting ownership > 25% received. <br>|  |
| 900000935 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 63.50%, maximum of 85% allowed per guidelines. ; Verified credit history - 738 qualifying DTI, minimum required of 680. No derogatory credit. 57 months of 0x30 mortgage history per credit report. ; |  |  |  |  |
| 900001044 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 102 months of mortgage history paid 0x30, verified per credit report. ; | TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) - PI per the Note xxx. PI on the final CD dated x/xx xxx. Loan disbursed xx/xx. Post-closing CD issued x/xx reflects the correct PI of xxx. Missing LOE to the borrower explaining the reason for re-disclosure. - 7/16/2024 - Recd loe for PCCD, "I am sending you this letter to advise you of the reason for the re-disclosure. There was a system glitch that generated the CD to reflect the incorrect payment amount but was corrected and re-disclosed with the correct payment." TRID 0092 Exception Downgraded to EV2/B; |  |  |  |
| 900000944 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 58%, maximum of 85% allowed per guidelines. ; Verified credit history - xxx qualifying credit score. xxx minimum score required. No derogatory credit history. Credit file dates back to xx/xxxx. ; |  |  |  |  |
| 900000939 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900000942 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 213 months of mortgage history paid 0x30, verified per credit report. ; Verified credit history - xxx/xxx qualifying credit scores, minimum score required of xxx. No derogatory credit. Credit file dates back to x/xxxx.; |  |  |  |  |
| 900001080 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Debt consolidation saves borrower $xxx per month. Borrower received cash out at closing of $xxx. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on xx/xx: Notary Fee $xxx, Electronic Document Delivery Fee $xxx. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)).<br>Cleared - 8/9/2024 - Exception is cured with the attached cover letter associated with PCCD previously provided via stip presentment on xx/xx. US Mailbox Rule applied. TRID 0195 Exception Downgraded to EV2/B.<br>TRID 0148 LE or CD is Deficient - CD Escrow Account Section does not indicate whether the borrower declined an escrow or if the lender did not offer one. - EV2/B Non-Material |  | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Final CD issued less than 3 business days of the Initial CD on page 417 issued xx/xx. Signed CD issued xx/xx. - 05/30/24 Exception set in error. xx/xx CD APR 11.003%, xx/xx CD APR 11.018%, Variance 0.015%.<br>TRID 0137 Cannot Reconcile LE / CD Versioning - Missing interim LE issued xx/xx as disclosed on Disclosure tracking. COC dated xx/xx states COC due to borrower changed loan amount of $xxx. Loan amount was changed on LE issued xx/xx. - 7/30/2024 - Exception is cleared with the attached copy of the re-disclosed LE. TRID 0137 Exception Cleared;<br>TRID 0171 Missing valid Change of Circumstance(s) - Missing COC for LE issued xx/xx. Loan amount increased to $xxx, transfer taxes increased, lender credit increased. - 06/27/24 COC received.<br>|  |
| 900000946 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 93 months of mortgage history paid 0x30, verified per credit report. ; |  |  |  |  |
| 900000948 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 151 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 23.44%, maximum of 85% allowed per guidelines. ; |  |  |  |  |
| 900000930 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 30.16%, maximum of xx% allowed per guidelines. ; Verified housing payment history - 169 months of mortgage history paid 0x30, verified per credit report. ; |  |  |  |  |
| 900000936 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 54.52%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 196 months of mortgage history paid 0x30, verified per credit report. ; |  |  |  |  |
| 900000960 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 39.93%, maximum of 80% allowed per guidelines. ; Verified housing payment history - 159 months of mortgage history paid 0x30, verified per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material<br>CRED 0084 Income Calculation Discrepancy - B2 was qualified on xxx/mo which is not supported by YTD or past year average. Review qualified B2 on xxxx/xxxx average of xxx. Qualifying income was not supported. Use of lower qualifying income increased DTI from 26.46% to 29.94%. Increase in DTI of 3.48%. - EV2 Non-Material as DTI is less than the max allowed of 50%. |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for increase to the HOA Certification fee. COC issued xx/xx/xx does not address HOA certificate fee increase. - 06/04/24 CD and COC dated xx/xx/xx received. Finding cleared upon re-submission is missing CD/COC.<br>|  |
| 900000987 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 258 months of mortgage history paid 0x30, verified per credit report. ; Net tangible benefit - Debt consolidation saved borrowers xxx/mo plus xxx cash received at closing. ; |  |  |  |  |
| 900001045 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 35.19%, maximum of 85% allowed per guidelines. ; Low DTI - 22.77% DTI, 45% maximum DTI allowed. ; |  |  | CRED 0095 Missing or Incomplete 4506-T/4506-C - Missing signed 4506 form. - 07/18/24 Signed 4506 received.<br>|  |
| 900000950 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | None - No significant compensating factors. ; | TRID 0152 Fee Naming Convention is inconsistent and/or does not meet the Clear and Conspicuous standard (12 CFR 1026.38(h)(4)) - Final CD dated xx/xx/xx does not include payee for title fees. - EV2 Non-Material Fees were paid to and tested as provided from the list. No fee violations. |  |  |  |
| 900000979 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - xxx qualifying credit score. xxx minimum score required. No derogatory credit. Credit file dates back to xx/xxxx. ; Verified housing payment history - 80 months of mortgage history paid 0x30 per credit report. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - CD dated xx/xx/xx reflects Estimated taxes, insurance, and assessments of xxx for insurance only with Estimated property costs over 1 year of xxx. Review calculated xxx / xxx. - EV2 Post closing corrective Action - PC CD received w/LOE to borrower. Estimated taxes, insurance, and assessments updated to xxx w/ Estimated property costs over 1 year of xxx. |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Missing Exhibit A to the Mortgage.<br>- 05/31/24 Complete copy of the DOT with Exhibit A included received.<br>HUD 0001 Missing Final HUD-1 - Missing copy of the final settlement statement to confirm the actual disbursement date (CA). - 05/31/24 Final settlement statements received. Loan disbursement date xx/xx/xx.<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - CD executed at closing xx/xx/xx reflects a disbursement date of xx/xx/xx. ROR expiration date xx/xx/xx. File appears to be missing the final CD (CA). - 06/07/24 PC CD received.<br>05/31/24 Final settlement statements received. Loan disbursement date xx/xx/xx. Pending receipt of final CD reflecting actual disbursement date.<br>|  |
| 900001001 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 259 months of mortgage history paid 0x30, verified per credit report. ; Low DTI - 21.26% DTI. Maximum of 45% allowed. ; | PROP 0002 Property Type is prohibited - Missing investor acknowledgment for rural property. Lock reflects the subject to be Suburban. (\*Note Subject meets all other guideline requirements for rural property. 10% LTV reduction applied.) - EV2 Investor Acknowledged Exception |  |  |  |
| 900000961 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Established credit history - xxx qualifying credit score. xxx minimum score required. No derogatory credit. Credit file dates back to xx/xxxx. ; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing final loan approval. Approval reflects Suspended status. - 06/11/24 Lender loan approval received.<br>|  |
| 900001128 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 47.46%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 136 months of mortgage history paid 0x30, verified per credit report. ; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Updated Exception 7/18 - Missing COC for increase of $xxx to appraisal fee from $xxx to $xxx on xx/xx. PCCD cured tolerance violation for the addition of the desk review fee of $xxx.<br>Original Exception - Missing COC for added Appraisal-Property Data Report fee of $xxx on CD issued xx/xx. - 8/20/2024 - Exception is downgraded to EV2/B with the attached LOE to borrower explaining the reason for re-disclosure. PCCD disclosing the $xxx credit to cure was previously provided on xx/xx. US Mailbox Rule applied. Evidence of refund with delivery to borrower previously provided on xx/xx. TRID 0195 Exception Downgraded to EV2/B. |  | TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. - Duplicate of 0195<br>|  |
| 900000951 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - xxx/xxx qualifying credit scores. 680 minimum score required. No derogatory credit. Credit file dates back to xx/xxxx. ; Low LTV/CLTV/HCLTV - CLTV of 63%, maximum of 85% allowed per guidelines. ; |  |  |  |  |
| 900000980 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - xxx years of verified employment with current employer per VOE. ; Low LTV/CLTV/HCLTV; |  |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing lender loan approval. - 06/06/24 Lender loan approval received.<br>APPR 0076 Appraisal Discrepancy - FNMA SSR and FreddieMac SSR reports dated xx/xx/xx were completed on an appraisal completed by xxx with a value of xxx. Missing copy of appraisal completed by xxx effective xx/xx/xx. - 06/06/24 Copy of appraisal received.<br>|  |
| 900000963 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 39.35% FTI w/a max allowed of 45%.; Low DTI - 48.03% LTV is below 85% maximum per guidelines.; |  |  | TRID 0134 Missing E-Sign Disclosure - E-Sign Disclosure not in file. - 06/11/24 E-Sign disclosure received.<br>|  |
| 900000978 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 358 months of mortgage history verified per credit report. Only 1x30 late payment in xxxx. ; Net tangible benefit - Debt consolidation saving borrower over xxx per month. ; |  |  |  |  |
| 900001002 | XXXX | Approved | 2 | 1 | 2 | 2 |  |  |  | Verified employment history; Verified reserves; | PROP 0003 Missing Required Property Inspection<br>TRID 0148 LE or CD is Deficient |  | CRED 0086 Undisclosed or Excluded Debt<br>|  |
| 900000981 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 32.73 Months reserves exceeds minimum 2 months per guidelines; Disposable Income - Borrower has xxx in residual income.; |  |  |  |  |
| 900000962 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Disposable Income - Borrower has xxx in residual income.; None - Borrower has 29 months mortgage history with 0x30.; | PROP 0002 Property Type is prohibited - Property is xxx which requires pre-approval. Approved exception in file. - Investor Acknowledged Exception for rural property. |  |  |  |
| 900001013 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Low LTV/CLTV/HCLTV - 48.21% CLTV is below 85% maximum per guidelines; Verified housing payment history - Borrower has 0x30 for 47 months mortgage history; | APPR 0039 Appraisal Value is not supported by comparables - AVM returned with a confidence score of 71 and FSD of .29 which does not meet the minimum requirement of 90 /.10. - 7/16/2024 - EV2/B Investor Acknowledged Exception. |  |  |  |
| 900000972 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 25.45% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have xxx in residual income.; | TRID 0148 LE or CD is Deficient - Final CD dated xx/xx/xx does not disclose if the lender did not offer an escrow account or if the borrower declined it. - EV2 Non-Material |  | NOTE 0050 Note is Incomplete - Missing subject note, final compliance review pending. - 06/12/24 Executed Note received.<br>|  |
| 900001007 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 69.66% CLTV is below 85% maximum per guidelines.; Verified credit history - 723 Score exceeds minimum 680 required per guidelines.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for CD dated xxx for increase in Loan Discount Fee.--The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on xx/xx/xx: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - EV2 Post Closing Corrective Action- PC CD, LOE to borrower, copy of refund check, and tracking received. |  |  |  |
| 900000953 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 42 months of combined mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off xxx in consumer debt with subject transaction eliminating xxx in monthly debt. ; |  |  |  |  |
| 900000965 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower have 55 months of mortgage history with 0x30.; Disposable Income - Borrower have xxx in residual income.; |  |  |  |  |
| 900000967 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 60 combined months of mortgage history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with same employer for xxx years.; Net tangible benefit - Borrower paid off consumer debt totaling xxx with subject transaction eliminating xxx in monthly debt. ; |  |  | TITL 0013 Title Policy - Schedule A Exception - Missing title evidence to confirm policy amount of xxx. Commitment in file reflects xxx. Loan amount is xxx. - 06/11/24 FTP reflecting insured amount of xxx received.<br>|  |
| 900000973 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 29.90% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  |  |  |  |
| 900001048 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 110 combined months mortgage pay history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off consumer debt totaling $xxx with subject transaction eliminating $xxx in total monthly payments.; Verified employment history - Borrower has been employed for 11 plus years with same employer.; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for the increase in title endorsements and the addition of the closing fee of $xxx added on the CD dated 05/01/24. COC reflects reason for change as lock update. --The total amount of Closing Disclosure 10% Category fees ($xxx) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xx/xx/xx, ($xxx). The total amount of fees in this category cannot exceed ($xxx) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). - 7/16/2024 - Recd PCCD and cover letter. US Mailbox Rule can be applied for PCCD disclosing lender credit to cure, as lender credit on pg xxx of xxx. Tracking performed on the prior PCCD (Stip 7/2) confirms delivery of restitution on xx/xx. TRID 0124 Exception Downgraded to EV2/B. |  | APPR 0044 HPML Appraisal Requirements are Not Met - Missing full appraisal as required for HPML loans. File contains AVM and PCI only. - 06/13/24 Corrected fee, compliance re-summited, finding cleared loan not HPML. <br>|  |
| 900000959 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 23.30% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has xxx in residual income.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | COND 0002 Condo Documentation is Insufficient - Missing executed Questionnaire for xxxx Assn. Only the lender's FNMA/FHLMC Limited or Streamline Review Condo Warranty form with the Master Insurance policy was provided. - 06/12/24 Executed Condo Questionnaire received.<br>|  |
| 900000964 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 27 months mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off xxx in consumer debt with subject transaction eliminating xxx in monthly payments. ; |  |  |  |  |
| 900000974 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 64.47% CLTV is below 85% maximum per guidelines.; None - xxx Credit score exceeds minimum xxx per guidelines.; |  |  |  |  |
| 900000986 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 2 has been on job xx years.; Disposable Income - Borrowers have xxx in residual income.; |  |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for CD dated (#/##/####) for increase in Loan Discount from $785 to $845.--The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on 2024-05-20: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 6/25/2024 - Exception is cleared with the attached copy of the re-disclosed CD and corresponding COC. TRID 0195 Exception Cleared;<br>TRID 0137 Cannot Reconcile LE / CD Versioning - COC on pg 126 indicates disclosure issued xx/xx/xx, corresponding CD not found in file. - 6/25/2024 - Exception is cleared with the attached copy of the re-disclosed CD and corresponding COC. TRID 0137 Exception Cleared;<br>|  |
| 900000966 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 has been employed with current employer xxx years and B2 has been employed for xxx years.; Net tangible benefit - Borrowers paid off consumer debt totaling xxx with subject transaction eliminating $748 in total monthly debt. ; |  |  |  |  |
| 900001012 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 745 credit score, minimum score of 680 required. No derogatory credit since 12/2017. Credit file dates back to xxxx. ; |  |  | CRED 0093 Credit Documentation is Insufficient - Credit report lists deferred installment debt with (Company) last reporting on xx/xx. UW used 1% of balance for payment xxx/mo. Missing updated credit supplement to confirm current balance and confirm that payment is still deferred. - 07/05/24 Lender was unable to obtain a credit supplement. 1% of balance as of xx/xx used to qualify.<br>CRED 0045 Questionable continuation of income - Most recent pay stub in file dated xx/xx/xx/reflects borrower is currently receiving Short Term Disability (STD) pay and has only xxx of Regular income for xxxx. Missing written confirmation of their intent to return to work. If borrower is not returning to work, details of STD plan, including duration of STD should be documented. - 06/27/24 LOE and copy of pay stub ending xx/xx/xx provided. Borrower has returned to work full time.<br>|  |
| 900000968 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 26.09% DTI is below 45% maximum per guidelines.; None - 59.16% LTV is below 85% maximum per guidelines.; |  |  |  |  |
| 900000969 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 52 months of combined mortgage history paid 0x30 per credit report on 1st lien and 24 months of 2nd lien payment history paid 0x30 per credit report. Existing 2nd lien paid off with subject loan. ; Net tangible benefit - Borrower paid off xxx in consumer debt with subject transaction eliminating xxx in total monthly debt.; |  |  |  |  |
| 900001046 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - 789 Credit score exceeds minimum 680 per guidelines.; Low DTI - 19.31% DTI is below 50% maximum per guidelines.; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increase in title insurance. --The total amount of Closing Disclosure 10% Category fees xxx increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xx/xx/xx, ($xxx). The total amount of fees in this category cannot exceed ($xxx) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). - 7/22/2024 - Exception is downgraded to EV2/B with PCCD, cover letter, and copy of refund check in the amount of $xxx. Courier tracking confirms delivery completed within 60 days from discovery. TRID 0124 Exception Downgraded to EV2/B. |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for added appraisal fee of $xxx on the CD dated xx/xx/xx. - Remove Rounding<br>|  |
| 900000990 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 54.50% CLTV is below 85% maximum per guidelines.; Verified credit history - xxx Credit score exceeds minimum xxx per guidelines.; |  |  | CRED 0093 Credit Documentation is Insufficient - Missing documentation to verify Creditor A/# ending in xxxx (Lease) with a balance of xxx as been satisfied. Account DLA xx/xx. New lease opened xx/xx Creditor A/# xxxx. - 06/18/24 Credit supplement verifying $0 balance received. <br>|  |
| 900000976 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 119 combined months of mortgage payments paid 0x30 per credit report. ; Verified credit history - xxx mid-credit score with xx plus years of established credit all paid 0x30 per the credit report and credit supplements in file. ; |  |  |  |  |
| 900001004 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history; Verified housing payment history; | COMP 0010 Missing Affiliated Business Disclosure - Affiliated Business Disclosure not in file. The FACTS Privacy Notice reflects the lender does have affiliates. - EV2 Review verified no fees paid to affiliate per final CD. |  | CRED 0091 Missing Tax Transcript(s) - Missing past two years Wage tax transcripts on both borrowers as required per guidelines. - 06/25/24 xxxx/xxxx 1040 transcripts received.<br>CRED 0093 Credit Documentation is Insufficient - Missing documentation to support the xxx "other payment" included in borrowers PITIA of the subject property. Amount is reflected on 1008 and final 1003. - 06/18/24 Explanation from lender received. Additional xxx was MI from 1st lien. Review had already considered in the 1st lien payment of xxx used to qualify. FHAMIP disbursement xxx.<br>|  |
| 900000971 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 55.46% LTV exceeds maximum 85% per guidelines.; Verified employment history - Borrower has been on job for xx years.; |  |  |  |  |
| 900000977 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves; Disposable Income; |  |  |  |  |
| 900000975 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 189 combined months of housing payments paid 0x30 per credit report.; Verified employment history - Per VVOE, borrower has been with current employer for xxx years. Borrower also receives Retirement/Pension pay that will continue for lifetime and has been receiving it for over xxx years per income documents in file. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  |  |  |
| 900001014 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - Borrowers have 29.99 months reserves which exceeds 0 months required per guidelines.; Verified credit history - 803 Credit score exceeds minimum 680 required per guidelines.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Unable to validate lender's Estimated taxes, insurance & assessments of xxx or Estimated Property Costs over Year 1 of xxx (11 mths) on the final CD dated xx/xx/xx. Review calculated Estimated taxes, insurance and assessments of xxx with Estimated Property Costs over Year 1 of xxx (11 mths). (Variance in review / lender is the HOI. Lender used xxx, Review calculated xxx based on total policy premium of xxx.) - EV2 Post-Closing Corrective Action - 07/02/24 PC CD with LOE to the borrower received. |  |  |  |
| 900000970 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 70.83% CLTV is below maximum 85% per guidelines.; Verified credit history - 752 Credit score exceeds minimum 680 score per guidelines.; |  |  |  |  |
| 900001047 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 36.42% CLTV is less than 85% maximum per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Review is pending verification of additional $xxx included in the Estimated Taxes, Insurance, & Assessments of $xxx. See CRED 0086. - 7/9/2024 - Exception is downgraded to EV2/B with the attached corrective PCCD and corresponding letter of explanation; 11 Months Disclosed. US Mailbox Rule to be applied. |  | CRED 0086 Undisclosed or Excluded Debt - Final 1008 includes a monthly expense included in the proposed subject payment of $xxx but has no documentation supporting what the expense is for. Provide documentation as to what the expense is for and supporting documentation as to the amount. - 7/16/2024 - Exception is cleared. Lender disclosed actual tax and insurance, but qualified the borrower using the greater escrowed payment from 1st lien. CRED 0086 Exception Cleared;<br>|  |
| 900000993 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on job for xxx years.; Disposable Income - Borrower has xxx in residual income.; |  |  |  |  |
| 900001005 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 755 Score exceeds minimum 680 required per guidelines.; Low DTI - 28.97% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900000989 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV; Disposable Income; |  |  |  |  |
| 900000991 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 66.83% CLTV is below 85% maximum per guidelines.; Low DTI - 32.13% DTI is below 45% maximum per guidelines.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  |  |  |
| 900000999 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 41.53% CLTV is below 85% maximum per guidelines.; Verified credit history - xxx Credit score exceeds minimum xxx per guidelines.; |  |  |  |  |
| 900001015 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 68.57% CLTV is below minimum 85% per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  |  | COND 0010 Missing Lender Project Condo Classification - Missing completed condo questionnaire with all applicable attachments as required per guidelines. - 06/27/24 Subject is a detached condo and meets FNMA requirements for waiver of project review.<br>|  |
| 900001083 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 24.77% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; |  |  | TITL 0003 Title Issue affecting Lien Position - Final 1003 lists 2 mortgages against subject property. The accounts are not liens showing on the title commitment. Missing copy of the final title policy to verify subject loan is in 2nd lien position. - 7/31/2024 - Attached Home Equity Line Policy doesn't reflect any exceptions. TITL 0003 Exception Cleared;<br>|  |
| 900001082 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified occupancy in subject property - Borrower has lived in residence xxx years.; | COMP 0027 Zero Tolerance Fee Violation - Missing valid changed circumstance for the addition of the PCR Evaluation for $xxx. There is a COC form but does not indicate a changed circumstance that led to charging the borrower this fee. The appraisal was completed as-is, (agency) SSR score is below 2.5, there is no copy of the PCR Evaluation in the file. A PCR does not appear to be required per guideline and there were no changes noted to the loan to lead to the requirement for this report. - 7/19/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check of $xxx, and courier tracking slip. Courier tracking confirms package is in transit. COMP 0027 Exception Downgraded to EV2/B. |  | CRED 0004 Back-end Ratio exception (DTI) - 45.84% DTI exceeds maximum 45% per guidelines. Lender did not include solar payment payment of $xxx in calculation. - 8/7/2024 - Exception is cleared with the attached borrower signed 1003 with corrected income. CRED 0004 Exception Cleared;<br>APRV 0010 Underwriting Loan Approval is Deficient - Missing updated loan approval with the final loan amount of $xxx. - 06/29/24 Copy of final loan approval received.<br>|  |
| 900000992 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Borrower has xxx credit score which exceeds minimum 680 per guidelines.; Verified employment history - Borrower has been on job for xxx years.; |  |  |  |  |
| 900001016 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 55.470% CLTV is less than 75% maximum per guidelines.; Verified employment history - Borrower 1 has been on job for xxx years.; |  |  | CRED 0096 Missing proof of PITI payment on non-subject property - Final 1008 lists property expense of xxx monthly, but there is nothing in the file documenting what the expense is for or documenting the amount. - 07/03/24 Explanation of additional qualifying amount of xxx received.<br>|  |
| 900001017 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Borrower has a mortgage history of 0x30x44 which exceeds minimum 24 month requirement.; Disposable Income - Borrower has xxx in residual income.; | APPR 0044 HPML Appraisal Requirements are Not Met - The appraiser does not include an executed certification stating the appraisal was prepared in accordance Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material |  | TRID 0134 Missing E-Sign Disclosure - Missing E-Sign Disclosure, no consent documentation or electronic tracking of disclosure delivery located in the file. Disclosures including initial LE/Intent to Proceed and initial CD were e-signed. - 7/9/2024 - Exception is cleared with the attached copy of the borrowers eConsent. TRID 0134 Exception Cleared;<br>COMP 0035 Affiliated Business Disclosure Not Provided Within 3 Business Days of Application - Missing evidence the Affiliated Business Disclosure was provided within 3 Business Days of Application. - 7/9/2024 - Exception cleared with the attached disclosure tracking evidencing delivery to borrower of the affiliated business disclosure within 3 business days from the application date. COMP 0035 Exception Cleared;<br>|  |
| 900001003 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 767 Credit score exceeds minimum 680 per guidelines.; Low DTI - 38.51% DTI is below maximum 50% per guidelines.; |  |  |  |  |
| 900000994 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 27.67% DTI is below 45% maximum per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  |  |  |  |
| 900000995 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 51.80% CLTV is below 85% maximum per guidelines.; Low DTI - 29.25% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001049 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 2 months reserves required, 8 months reserves from cash out proceeds.; Established credit history - Credit history dates back 24 years with no reported lates.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid COC for increase in County Tax Stamps. COC does not give a reason for increase in fee, it only refers to its change. Fee increased from 700 to $xxx-- - 7/23/2024 - Exception is downgraded to EV2 with the attached PCCD, copy of refund check, cover letter, and courier tracking slip. Courier tracking confirms the package is in transit. TRID 0195 Downgraded to EV2/B; |  |  |  |
| 900000996 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 68.40% CLTV is less than maximum 85% maximum per guidelines.; Verified credit history - xxx credit score exceeds minimum xxx score per guidelines.; |  |  |  |  |
| 900000997 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - The borrower has been with their current employer since xxxx.; Established credit history - Open active credit dates back to xxxx with no reported lates.; Verified reserves - No reserves are required, borrower is receiving xx months in cash out proceeds.; |  |  |  |  |
| 900001085 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Both borrowers have been with their current employers more than xxx years.; Low DTI - DTI is 20.92%, up to ; Verified reserves - No reserves required, borrowers are receiving 15.54 months from cash out proceeds; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - COC for the CD issued xx/xx/xx for the added property data report does not give a reason for the added fee.--The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xx/xx/xx: Desk Review Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 8/7/2024 - Exception is cured with the attached xx/xx PCCD, cover letter, copy of refund check $xxx, and courier tracking slip to evidence package is in transit.<br>NOTES: PDR fee was not disclosed on the LE. COC for the addition of the fee is inaccurate since the PDR was ordered prior to the appraisal report. Appraisal Fee was disclosed on the LE, removed in error on xx/xx CD and then added back on second xx/xx CD. Appraisal Fee did not increase from LE to Final CD.<br>TRID 0195 Exception Downgraded to EV2/B; |  | TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. - Duplicate of 0195<br>|  |
| 900001000 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 60.61% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has xxx in residual income.; |  |  |  |  |
| 900001033 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 62.32% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrowers have 0x30 mortgage history since xx/xx.; |  |  |  |  |
| 900001023 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 776 credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrowers have xxx in residual income.; | NOTE 0006 Missing Subordination Agreement - Title shows 2 UCC liens that are subordinated to subject lien. Lender approved exception allowing subordinated liens behind subject lien. - EV2 Investor Acknowledged Exception |  | APRV 0001 Missing Underwriter Loan Approval - Missing underwriter approval, file only contains the 1008. - 07/01/24 Lender loan approval received.<br>CRED 0096 Missing proof of PITI payment on non-subject property - Missing copy of Note on new 2nd lien on (Property Address). Final 1003 states a new loan is pending on the property but there is no documentation in the file of the new expense or loan amount. - 07/01/24 Copy of Final CD and Note received.<br>CRED 0083 Asset Documentation is Insufficient - Missing documentation linking transaction history to borrowers. Borrowers are bringing funds to close and this is the only asset verification in file. - 07/02/24 Copy of bank statement that corresponds with print out received.<br>|  |
| 900000998 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 25.04% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  |  |  |  |
| 900001036 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 49.51% CLTV is below 85% maximum per guidelines.; Low DTI - 37.84% DTI is below 45% maximum per guidelines.; No Apparent Right to Statutory Damages - EV2 Non-material; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one., Compensating Factors: - EV2 Non-material. First lien is escrowed.No Apparent Right to Statutory Damages |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender final approval. Used 1008 for DTI. - 07/03/24 Lender loan approval received.<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing dry funding CD. Closing CD disbursement date x/xx is prior to the ROR Expiration Date x/xx. - 07/03/24 Final HUD and CD received confirming funding date of xx/xx/xx.<br>|  |
| 900001006 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 32.27% CLTV is below 45% maximum per guidelines.; Verified credit history - 763 Credit score exceeds minimum 680 score per guidelines.; |  |  |  |  |
| 900001050 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has mortgage history of 0x30x30.; Verified employment history - Borrower has been on job xxx years.; |  |  | CRED 0072 VVOE dated outside of required timeframe - VVOE is not within 10 business days of note date. - 7/11/2024 - Exception is cleared with the attached VVOE completed within 10 business days of the note date. CRED 0072 Exception Cleared;<br>|  |
| 900001018 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified ownership of subject property - Borrower has xxx years in residence.; Disposable Income - Borrower has xxx in residual income.; |  |  |  |  |
| 900001052 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 35.33% DTI is less than $xx maximum per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing tax transcripts for most recent two years. - 7/16/2024 - Exception is cleared with the attached most recent two years tax transcripts. CRED 0091 Exception Cleared;<br>|  |
| 900001020 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 52.68% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrower has 0x30x58 mortgage history which exceeds minimum 0x30x24 required per guidelines.; |  |  |  |  |
| 900001032 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 62.80% CLTV is below 85% maximum per guidelines.; Verified credit history - 807 Credit score exceeds minimum 680 required per guidelines.; |  |  | CRED 0096 Missing proof of PITI payment on non-subject property - Missing documentation of property expenses for (property name) property. - 07/09/24 PDR received confirming property is land only. xxxx Taxes xxx.<br>APRV 0010 Underwriting Loan Approval is Deficient - Approved DTI double counted the taxes and insurance already being escrowed on the first lien. Review DTI 37.46% / Approved DTI 43.74%, variance > 3%. Provide updated 1008/1003 with accurate housing expense. - 07/09/24 Updated approval and 1008 received.<br>|  |
| 900001060 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 63.55% CLTV is less than 80% maximum per guidelines.; Verified credit history - 756 Credit score exceeds minimum 680 per guidelines.; |  |  | TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) - The Maximum Principal and Interest Payment Amount in column 1 of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of ($xxx), while the Calculated Projected Payments Table has a value of ($xxx). - 07/09/24 Confirmed $xxx variance is acceptable as it is within $xxx. <br>CRED 0091 Missing Tax Transcript(s) - Missing most recent two years wage and income tax transcripts for Borrower 2. - 7/15/2024 - Exception is cleared with the attached most recent two years wage transcripts. CRED 0091 Exception Cleared;<br>|  |
| 900001034 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 63.13% CLTV is less than 85% maximum per guidelines.; Disposable Income - Borrowers have xxx in residual income.; |  |  |  |  |
| 900001035 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Disposable Income - Borrowers have xxx in residual income.; Verified housing payment history - Borrowers have mortgage payment history of 0x30x36 which exceeds minimum 0x30x24 minimum requirement per guidelines.; |  |  |  |  |
| 900001039 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has been on job xxx.; Verified housing payment history - Borrowers have verified mortgage history of 0x30x41 which exceeds minimum required 0x30x24.; |  |  | CRED 0082 Income Documentation is Insufficient - Missing documentation to support disability income of xxx per month used to qualify for B1. or an updated 1008 which excludes this income. Review DTI w/income excluded is 40.33%. - 07/03/24 COE verifying VA disability located in file. <br>|  |
| 900001029 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 775 Score exceeds minimum 700 per guidelines.; Low DTI - 27.05% DTI is below 50% maximum per guidelines.; |  |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing lender loan approval. - 07/08/24 Lender loan approval received.<br>|  |
| 900001108 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 36.08% DTI is less than 50% maximum per guidelines.; Verified credit history - 781 Credit score exceeds minimum 680 per guidelines.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for added Desk Review fee on CD issued xx/xx/xx. - EV2 Post Closing Corrective Action --08/16/24 Delivery confirmed. <br>08/13/24 PC CD, LOE to borrower, refund check of $xxx, and (courier) Tracking Received. |  | TITL 0003 Title Issue affecting Lien Position - Title shows a hospital lien and tax lien with no indication of release in file and no proof paid at closing. - 8/13/2024 - Recd correspondence from title, "The property report did show a hospital lien. However, we did not place on title as hospital liens do not attach in xxx." --- Per FNMA, Delinquent credit—including taxes, judgments, charge-offs of non-mortgage accounts tax liens, mechanic's or materialmen's liens, and liens that have the potential to affect Fannie Mae's lien position or diminish the borrower's equity—must be paid off at or prior to closing. Medical collection accounts are excluded not required to be paid in full at or prior to closing. TITL 0003 Exception Cleared;<br>|  |
| 900001051 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 60.12% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrowers have 0x30x46 mortgage history which exceeds minimum 0x30x24.; |  |  | APP 0032 Residency documentation is missing or incomplete - Missing evidence of residency. B1 listed as Non-Permanent Resident Alien on final application on. - 7/23/2024 - Recd unsigned updated 1003 to support B1 signed attestation (Stip 7/14). APP 0032 Exception Cleared;<br>|  |
| 900001053 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 69.88% CLTV is below 75% maximum per guidelines.; Verified housing payment history - Borrower has 0x30x46 mortgage history which exceeds required 0x30x24.; |  |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Legal Description not attached to or contained within Mortgage. Missing Exhibit A.<br>- 7/16/2024 - Exception is cleared with the attached copy of the recorded mortgage with legal description included. DEED 0021 Exception Cleared;<br>|  |
| 900001107 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Disposable Income - Borrower has $xxx in residual income.; |  |  | COND 0002 Condo Documentation is Insufficient - Missing completed condo questionnaire with all accompanying exhibits as required for attached Condo. - 7/11/2024 - Exception is cleared with attached agency project approval and HOA questionnaire. COND 0002 Exception Cleared;<br>CRED 0017 Insufficient Verified Reserves (Number of Months) - Missing verification 2 months PITIA in reserves as required. Actual reserves verified 0.64 mths ($xxx) - 8/13/2024 - Recd borrowers quarterly retirement statement. CRED 0017 Exception Cleared;<br>COND 0010 Missing Lender Project Condo Classification - Missing Lender Project Condo Classification (Warrantable / Non-Warrantable) - 7/11/2024 - Exception is cleared with attached agency project approval and HOA questionnaire. COND 0010 Exception Cleared;<br>|  |
| 900001055 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 53 combined months of housing paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with current employer for xxx years plus. ; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid COC for addition of Appraisal Review Fee. COC is blank. -- - 7/19/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, refund check of $xxx5, and courier tracking slip. Courier tracking confirms package is in transit. TRID 0195 Exception Downgraded to EV2/B; |  |  |  |
| 900001031 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 31.91% DTI is below 45% maximum per guidelines.; Verified credit history - 724 Credit score exceeds minimum 680 required per guidelines.; |  |  | ROR 0004 Right of Rescission is not executed by Title Holder(s) - Missing ROR executed by borrower. ROR is executed by non-applicant mortgagor only. - 07/09/24 Borrower executed ROR received.<br>|  |
| 900001038 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 50 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off all outstanding consumer debt (3 accounts totaling xxx) eliminating xxx in total monthly payments and received an additional xxx cash in hand ; |  |  | TITL 0014 Title Policy - Schedule B Exception - Missing final title to verify Item 6: Mechanics Lien has been cleared. - 07/09/24 Agree with lender, verbiage for #6 is generic and does not reference a recorded mechanics lien.<br>APPR 0002 Appraisal is Incomplete - Missing updated Appraisal to reflect PUD information and confirmation of monthly HOA dues. Property disclosed as a PUD (Mortgage has PUD Rider) but Appraisal does not reflect subject is a PUD. Copy of HOA bill provided to reflect xxx monthly charge. Appraisal to confirm. - 07/08/24 Corrected appraisal received.<br>|  |
| 900001021 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for over xxx years. ; Verified housing payment history - 46 months of mortgage history paid 0x30 per credit report. ; Verified credit history - 785 representative credit score. All credit history reported is paid 0x30 with oldest tradeline opened for over xxx years (xx/xx). ; |  |  | ROR 0004 Right of Rescission is not executed by Title Holder(s) - Missing ROR executed by non-applicant mortgagor. - 7/11/2024 - Exception is cleared with the attached ROR for non-applicant mortgagor. ROR 0004 Exception Cleared;<br>|  |
| 900001022 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have a verified housing history of 0x30x45 which exceeds the minimum required of 0x30x24.; Verified credit history - Credit score of 811 exceeds minimum 680 required per guidelines.; | CRED 0044 Unacceptable transaction type - Guidelines require the signors on the first lien to match the signors on the second lien. Borrower 2 is not on the first lien and there is an approved exception to add spouse on the loan. - EV2 Investor Acknowledged Exception |  | APRV 0003 Missing Loan Approval Date - File is missing final lender approval. Used 1008 for DTI. - 07/11/24 Lender loan approval received.<br>TRID 0137 Cannot Reconcile LE / CD Versioning - E-sign tracking states an LE issued xx/xx/xx was mailed to borrowers. LE issued xx/xx/xx is not in file. - 07/07/24 xx/xx/xx LE received.<br>CRED 0006 Missing Employment doc (VVOE) - Missing required verification of employment for B1 dated within 10 days of the note date xx/xx/xx. - 07/11/24 VVOE completed xx/xx/xx received. <br>|  |
| 900001037 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 has been employed by their same employer for xxx years and B2 has been employed with same employer for xxx years. ; |  |  |  |  |
| 900001073 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 37.11% DTI is below 50% maximum per guidelines.; Low LTV/CLTV/HCLTV - 64.49% CLTV is below 85% maximum per guidelines.; |  |  | CRED 0094 Missing and/or Deficient Name Affidavit - REMOVE - REMOVE<br>|  |
| 900001027 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has been on job xxx years.; Disposable Income - Borrowers have xxx in residual income.; |  |  |  |  |
| 900001086 | XXXX | Approved | 2 | 1 | 1 | 2 |  |  |  | Disposable Income - Borrowers have $xxx in disposable income.; Verified ownership of subject property - Borrowers have lived in residence 19 years.; | APPR 0076 Appraisal Discrepancy - REMOVE - Investor Acknowledged Exception |  | APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - REMOVE - REMOVE<br>|  |
| 900001054 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have mortgage history of 0x30x37 which exceeds the minimum required 0x30x24.; Disposable Income - Borrower has $xxx in residual income.; |  |  | APPR 0044 HPML Appraisal Requirements are Not Met - Missing required interior-inspection appraisal that complies with USPAP and FIRREA as required for HPML loans. Only an AVM and Property Condition Inspection Report provided in file. - 7/22/2024 - "We used 7, which is accurate based on the lock date of xx/xx. 6.570 was the APOR on the week of xx/xx. It looks like they may be using that because we did change the interest rate that week. We had discussed changing rate set date whenever we moved rates as an option years ago because it did help (compliance vendor) in a lot of scenarios, but ultimately decided not to because it was a grey area (and honestly messy). Even if the borrower opted to move to another rate 2 weeks later, they still used the rate/pricing from the original lock date and that seems to be the standard." \*\* Review used rate change date of xx/xx. Reran compliance using the initial lock date of xx/xx which cleared the HPML exception. APPR 0044 Exception Cleared; <br>|  |
| 900001024 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 770 Credit score exceeds minimum 680 required per guidelines.; Low DTI - 22.35% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001158 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 783 Credit score exceeds minimum 720 required per guidelines.; Verified housing payment history - Borrowers have mortgage history of 0x30x90 which exceeds the minimum 0x30x24 required by guidelines.; | CRED 0004 Back-end Ratio exception (DTI) - Review DTI 50.86% > 50% Max Allowed, Difference appears to be due to liabilities. Final 1003 liabilities do not appear to be final figures used in underwriting. - 09/17/2024 - Recd liabilities from lender. Review is unable to reconcile difference > 3% between the lender DTI 49.76% and Review DTI 42.30%; It appears that lender may be using a greater (creditor) payment from XX, XX income, and double counting the other XX expense of $XX. Review DTI decreased 42.30% (Max 50%) including XX income. Exception downgraded to EV2 - Review DTI < 50% Max. |  | PROP 0003 Missing Required Property Inspection - Missing required property condition inspection to confirm condition of subject property. - 8/14/2024 - Exception is cleared with the attached property condition inspection. PROP 0003 Exception Cleared;<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing subject tax cert to validate property taxes of $XX used to qualify.<br>- 7/23/2024 - Exception is cleared with the attached property tax cert. CRED 0103 Exception Cleared;<br>|  |
| 900001075 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 70.82% CLTV is less than maximum 80% allowed per guidelines.; Verified credit history - 777 Credit score exceeds minimum 720 required per guidelines.; |  |  | CRED 0086 Undisclosed or Excluded Debt - Provide documentation of the new account with (creditor) for the ski passes as disclosed on the 1003. There is no documentation in the file for the amount financed or payment. - 7/15/2024 - Exception is cleared. Liability is documented via undisclosed debt monitoring on the fraud report. CRED 0086 Exception Cleared;<br>TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing COC for removal of lender credit of $xxx on CD issued xx/xx. - 7/15/2024 - Exception is cleared with the attached pricing change due to DTI > 45% caused by new liability identified on the undisclosed monitoring report (Refer TRID 0195). TRID 0121 Exception Cleared;<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for CD issued on xx/xx for increase in the credit report of $xxx and added discount points of $xxx. - 7/15/2024 - Exception is cleared with the attached pricing change due to DTI > 45% caused by new liability identified on the undisclosed monitoring report. TRID 0195 Exception Cleared;<br>|  |
| 900001117 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 53.01% CLTV is less than 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | TRID 0148 LE or CD is Deficient - Page 4 of the final CD does not indicate why the borrower does not have an escrow account - neither declined nor not offered are checked. - EV2/B Non-Material<br>CRED 0044 Unacceptable transaction type - Subject property was listed for sale xx/xx/xx and was withdrawn. Properties listed for sale within the last 3 months are ineligible. - EV2/B - Investor Acknowledged Exception |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval. - 7/12/2024 - Exception is cleared with the attached underwriting decision. APRV 0003 Exception Cleared;<br>HAZ 0001 Missing Hazard Insurance Proof of Premium - Missing evidence that both insurance policies are paid in full. No payment collected on the CD, the first mortgage is not escrowed, and the evidence of insurance in the file does not address the balance due. - 08/16/26 Paid HOI invoice received.<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing copy of the final CD and HUD to verify the actual closing /disbursement date. The most recent CD in the file is the one signed at closing which reflects a closing date of xx/xx/xx and disbursement date of xx/xx/xx. Closing actually occurred xx/xx/xx and rescission expiration xx/xx/xx (NORTC). - 7/12/2024 - Exception is cleared with the attached copy of the final cd for dry funding state. ROR 0009 Exception Cleared;<br>|  |
| 900001025 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x53 which exceeds the minimum required 0x30x24 per guidelines.; Verified credit history - 776 Credit Score exceeds minimum 700 required per guidelines.; |  |  |  |  |
| 900001026 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 759 Credit score exceeds minimum 680 per guidelines.; Low LTV/CLTV/HCLTV - 68.43% CLTV is below 85% maximum per guidelines.; |  |  |  |  |
| 900001131 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x39 which exceeds minimum 0x30x24 per guidelines.; Verified employment history - Borrower has been on current job 5 years.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for increase to loan discount from $XX to $XX. --The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on XX/XX: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 8/20/2024 - Exception is downgraded to EV2/B with the attached: PCCD, Cover Letter, Refund Check $XX, and Courier Tracking Slip to evidence delivery to borrower completed within 60 days from consummation. |  |  |  |
| 900001056 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 31.05% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; |  |  |  |  |
| 900001028 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x41 which exceeds minimum required of 0x30x24.; Verified credit history - Borrower has credit score of 747 which exceeds minimum 680 per guidelines.; |  |  |  |  |
| 900001042 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 46.54 CLTV is below 75% maximum per guidelines.; Disposable Income - Borrower has xxx in residual income.; | GIDE 0001 Guideline Exception(s) - 2-4 Unit properties are ineligible per the (investor) guidelines. - EV2/B - Investor Acknowledged Exception |  | CRED 0084 Income Calculation Discrepancy - Bonus income on WVOE does not match income on W2s or pay stubs. - 7/17/2024 - "Unfortunately, income with the work number is not reporting correctly which is why alternative documentation (ytd and year end paystubs along with W2 forms) has been used to document and calculate borrowers actual income. The income calculation is accurate and supported by the (prior years) W2 transcripts obtained from (agency). (most recent year) transcripts were not available at the time." \*\* Agree, (prior year) W2 matches to the wage transcript; confirmed (prior year) (3rd party VOI) Regular income + Bonus from paystubs is supported by (prior year) W2 wages. Review used (prior two years) regular income from (3rd party VOI) and annual bonus from paystubs provided which is supported by W2s, thus no additional documentation is required. CRED 0084 Exception Cleared;<br>|  |
| 900001019 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 49.53% CLTV is below 85% maximum per guidelines.; Verified credit history - 795 Credit score exceeds minimum 680 per guidelines.; |  |  |  |  |
| 900001030 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 74.63% CLTV is less than maximum 85% per guidelines.; Verified credit history - 735 Credit score exceeds minimum 680 per guidelines.; |  |  |  |  |
| 900001070 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - The borrower has been a (job title) for xxx years.; Established credit history - Open active credit dates back to xxx years with no reported lates; Verified reserves - No reserves required, borrower is receiving 38.76 months in PITIA reserves from cash out proceeds.; | CRED 0006 Missing Employment doc (VVOE) - Missing verification of self-employment within 30 days of the Note date. The (tax preparer) letter is dated 45 days prior to the Note date and the borrower's (business) license does not reflect the date it was pulled. Insurance license does reflect it is active through (post-consummation). - 7/19/2024 - Exception is downgraded EV2 with the attached post-consummation dated SOS search that is in support of the pre-consummation dated CPA letter and copy of active business license in file. CRED 0006 Downgraded to EV2/B. |  |  |  |
| 900001057 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 343 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 50.27%, maximum of 75% allowed per guidelines. ; Net tangible benefit - Debt consolidation saving borrower $xxx per month. ; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing tax transcripts. Signed 4506C provided. - 7/23/2024 - Exception is cleared with the attached two years wage transcripts; retirement income not reported. Most recent year reflects no record of return filed. CRED 0091 Exception Cleared;<br>|  |
| 900001058 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 49.35%, maximum of 75% allowed per guidelines. ; |  |  | CRED 0095 Missing or Incomplete 4506-T/4506-C - Missing signed 4506-C for B2, only signed for B1 provided (pg 92). Copy of B2 transcript in file (pg 246). - 7/29/2024 - Exception is cleared with the attached B2 signed 4506C form. CRED 0095 Exception Cleared;<br>|  |
| 900001059 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have 0x30 mortgage history for 56 months which exceeds guideline minimum of 24 months.; Established credit history - Borrowers oldest trade line is 456 months.; |  |  |  |  |
| 900001064 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 37.54% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower has been on current job xxx years.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing required tax transcripts for xxx and xxx for borrower as required by guidelines. - 07/18/24 xxx and xxxx 1040 transcripts received.<br>|  |
| 900001092 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - 765 Credit score exceeds minimum 700 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | COMP 0027 Zero Tolerance Fee Violation - Missing changed circumstance for the increase to the appraisal fee on the xx/xx Loan Estimate, from $xxx to $xxx. The COC form does not provide a COC to justify increased appraisal fee charged to the borrower. - 7/31/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount of $xxx, and courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. COMP 0027 Exception Downgraded to EV2/B. |  | TRID 0134 Missing E-Sign Disclosure - Missing E-Sign Disclosure. No proof borrower(s) can receive documents via the electronic method as intended. Disclosures in the file are e-signed - i.e. intent to proceed, initial CD. - 7/23/2024 - Exception is cleared with the attached disclosure tracking; borrower consented xx/xx. TRID 0134 Exception Cleared;<br>|  |
| 900001061 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Verified housing payment history - Borrower has 0x30x35 verified mortgage history which exceeds minimum 0x30x24.; |  |  |  |  |
| 900001095 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Established credit history - Open, active credit dates back to xxxx with no reported lates.; Verified reserves - 2 months PITIA or $xxx reserves required, borrower is receiving 22.76 months or $xxx in cash out proceeds from the transaction.; |  |  | APPR 0039 Appraisal Value is not supported by comparables - The AVM in the file reflects an FSD score of 0.11, per the guideline the FSD score must be equal to or less than 0.10. No exception located in the file. - 7/25/2024 - "The AVM value should be used and not Rental Value which is less than .10." \*\* Agree, value FSD is 0.07. Rental value FSD is 0.11. APPR 0039 Exception Cleared;<br>COMP 0010 Missing Affiliated Business Disclosure - Missing Affiliated Business Disclosure. No Facts disclosure located in file to determine if lender has any affiliates. If lender has no affiliates an attestation from a compliance officer attesting to no affiliates is acceptable. - 07/31/24 Facts recd, lender has no affiliates.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for increased Documentary Taxes. LEs disclosed a total of $xxx, Final CD dated xx/xx/xx Increase to GA Final State Loan fee $xxx page for a total of $xxx. (COC does not disclose why the fees changed) - 8/7/2024 - Agree with lender posted response. LE disclosed taxes and other government fees $xxx to CD $xxx, no fee increase. <br>|  |
| 900001077 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Disposable Income - Borrowers have $xxx in verified disposable income.; Verified housing payment history - Borrowers have verified mortgage history of 0x30x43 which exceeds minimum required 0x30x24 per guidelines.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  |  |  |
| 900001255 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 52.26% CLTV is below maximum 75% per guidelines.; Verified employment history - Borrower 1 has 7 plus years on current job.; | ROR 0012 ROR cannot expire in less than 3 business days from the execution or transaction date - B2 executed loan at a latter date. ROR expiration date was not updated. - 11/11/2024 - Recd B2 executed ROR form providing new 3 days to rescind the transaction. Rescission period expired. |  |  |  |
| 900001160 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x47 which exceeds minimum 0x30x24.; Verified ownership of subject property - Borrower has owned subject property for 7 years.; |  |  | TXEQ 0020 Missing TX Home Equity Acknowledgment Regarding Voluntary Repayment of Existing Debt - State Required XX Disclosure is not in file. - 07/26/24 - TPR Error, executed State Required XX Disclosure located in file.<br>TXEQ 0021 Missing Designation of Homestead - State Required XX Disclosure not in file. - 07/26/24 - TPR Error, executed State Required XX Disclosure located in file.<br>COLL 0001 APN Number is not listed on Security Instrument - APN Number is not listed on Security Instrument - 08/20/24 - Copy of recorded DOT received. Verified legal on Exb A Matches thus missing APN is not a violation.<br>CRED 0087 Tax Returns/Transcripts are Insufficient - Missing required W2 transcripts for XX-XX. - 8/13/2024 - Recd XX wage transcript. Most recent year reflects no record of return filed. CRED 0087 Exception Cleared;<br>TXEQ 0011 Fair Market Value Disclosure not provided or executed by Title Holders or Lender - State Required XX Disclosure was not executed by the lender. - 08/20/24 - State Required XX Disclosure executed by the lender received.<br>GIDE 0001 Guideline Exception(s) - Cash out transactions in this state are ineligible per the guidelines. - 07/24/24 - Updated guidelines allowing loan transaction type received.<br>TXEQ 0023 Texas 50(a)(6) Loan Fees Exceed the Permissible Fee Limitation. - Total fees of $XX calculated includes $XX in Discount Fee that may be excludable. - 09/10/24 - Bona fide discount of $XX verified. Total fees now w/in the permissible fee limit. <br>TXEQ 0019 Missing TX Home Equity Affidavit and Agreement - State Required XX Agreement not in file. - 8/7/2024 - Recd State Required XX Agreement. <br>|  |
| 900001062 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified ownership of subject property - Borrower has owned subject property xxx years.; Low LTV/CLTV/HCLTV - 61.99% CLTV is below 75% maximum per guidelines.; |  |  |  |  |
| 900001068 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 31.84% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; |  |  |  |  |
| 900001192 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Verified ownership of subject property - Borrower has owned subject property 10 years.; Disposable Income - Borrower has $XX is XX income.; | ROR 0012 ROR cannot expire in less than 3 business days from the execution or transaction date - ROR in file disclosed transaction date of XX/XX/XX and expiration date of XX/XX/XX which is less than 3 business days of final consummation date XX/XX/XX. - EV2 Post-Closing Corrective Action.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for CD dated XX/XX/XX for increase to XX Fee and added XX fee of $XX. COC in file only addressed change in the closing agent. XX Fee increased from $XX on CD date XX/XX/XX to $XX on the XX/XX/XX CD. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on XX/XX/XX: XX, XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)), Compensating Factors: - 8/13/2024 - Exception is cured with the attached PCCD, cover letter, copy of refund check $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. --- Refer to new exception TRID 0205 for credit insufficient to cure the addition of the $XX XX Fee. TRID 0195 Exception Downgraded to EV2/B.Verified ownership of subject property<br>TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - NEW 8/13/2024 - Recd PCCD with credit to cure $XX. Credit was insufficient to cover the 0% tolerance for the addition of the XX fee of $XX. The invoice was provided, however, it missing is the reason for the addition of the fee and why it was not previously disclosed to borrower as it is a requirement to obtain the loan. - 9/5/2024 - Exception is downgraded to EV2/B with the attached copy of cover letter, PCCD, refund check $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from discovery. |  |  |  |
| 900001071 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Borrower has xxx months verified reserves.; Disposable Income - Borrower has $xxx in verified disposable income.; |  |  | FLOOD 0001 Flood Notice Was Not Provided to Applicant(s) - Missing evidence Notice of Special Flood Hazard disclosures was provided to borrower prior to closing. Only copy in file was executed at closing. - 7/24/2024 - Please downgrade based on the notice issue date and the Borrower provided the flood policy prior to closing. The policy was not a condition of the approval for prior to docs or funding.--Agree, flood notice signed at closing on 2nd lien. No assignee liability for delivery of flood notice on 2nd lien. FLOOD 0001 Exception Cleared;<br>|  |
| 900001078 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 30.31% DTI is below 50% maximum per guidelines.; Verified credit history - 804 Credit score exceeds minimum 680 per guidelines.; |  |  | CRED 0096 Missing proof of PITI payment on non-subject property - Missing copy of Note/Final CD from the purchase of (non-subject REO) to verify loan amount of $xxx and PITIA of $xxx. Property details disclosed on the final 1003 as pending purchase. - 7/23/2024 - Exception is cleared with the attached copy of the executed note and closing disclosure. CRED 0096 Exception Cleared;<br>|  |
| 900001065 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 38.52% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Lender approval not in file. Used 1008 for ratios. - 7/23/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared;<br>|  |
| 900001066 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Borrower has 36 months reserves.; Verified employment history - Borrower has been on full time job for xxx years.; |  |  |  |  |
| 900001067 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 742 Credit score exceeds minimum 700 required per guidelines.; Disposable Income - Borrowers have $xxx in verified disposable income.; |  |  |  |  |
| 900001069 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Credit history dates back xxx years with no reported lates.; Low LTV/CLTV/HCLTV - CLTV is 17.03%; | TRID 0148 LE or CD is Deficient - CD escrow account section does not reflect if borrower declined an escrow account or if the lender didn't offer one. - EV2/B Non-Material |  | COMP 0045 ALTA Stmt and Closing Disclosure conflict - Missing final CD, subject is in a dry funding state and the final CD in the file is the one signed at closing. - 7/23/2024 - Exception is cleared with the attached copy of the dry funding CD. COMP 0045 Exception Cleared;<br>TITL 0009 Missing Required Property Title Search - Title document in the file appears to be a loan policy for the first mortgage. Per guidelines title must be within 60 days of the Note date. Missing commitment/prelim for the subject loan or final policy for the second lien. Policy also includes a survey exception, no survey in the file. - 7/25/2024 - Recd Endorsement continuation report with title exam disclosing 2nd lien. TITL 0009 Exception Cleared;<br>CRED 0089 Missing Required Fraud Tool - Missing complete fraud report with all items addressed, only the Loan Participant Analysis/OFAC search from a DRIVE report is in the file. - 7/23/2024 - Exception is cleared with the attached fraud report; Fraud score 1000 / pass. CRED 0089 Exception Cleared;<br>APRV 0001 Missing Underwriter Loan Approval - Missing lender's approval, only the 1008 is in the file. - 7/23/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared;<br>|  |
| 900001109 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have verified mortgage history of 0x30x53 which exceeds minimum required 0x30x24. ; Low LTV/CLTV/HCLTV - 57.14% CLTV is below 85% maximum per guidelines.; |  |  | ROR 0004 Right of Rescission is not executed by Title Holder(s) - Missing executed ROR for B2. - 08/14/24 Executed ROR for B2 received.<br>APRV 0010 Underwriting Loan Approval is Deficient - Missing final lender approval, used 1008 for ratios. - 8/7/2024 - Exception is cleared with the attached loan approval.<br>|  |
| 900001110 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 2 has been on current job xxx years.; Disposable Income - Borrowers have $xxx in residual income.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing wage earner tax transcripts for most recent two years. - 08/20/24 Joint 1040 transcripts for for most recent two years received. Also received was most recent two years Wage & Income transcripts for B1.<br>|  |
| 900001076 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Verified credit history - 760 Credit score exceeds minimum 680 required per guidelines.; |  |  |  |  |
| 900001063 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 31.70% DTI is below 50% maximum per guidelines.; Verified housing payment history - Borrower has 0x30x45 verified mortgage history which exceeds minimum 0x30x24 required per guidelines.; |  |  |  |  |
| 900001074 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 69.59% CLTV is below 85% maximum per guidelines.; Verified credit history - 744 Credit score exceeds minimum 680 required per guidelines.; | CRED 0004 Back-end Ratio exception (DTI) - Review DTI of 47.78% exceeds the max allowed of 45%. Borrower does not meet the $xxx minimum residual income threshold to go to 50% DTI. Lender approved DTI 47.70&. - 7/25/2024 - Investor Acknowledged Exception.<br>TRID 0148 LE or CD is Deficient - Final CD - Loan Disclosures / Escrow Account did not disclose if an escrow account was declined by the borrower or if the lender did not offer one. - EV2 Non-Material. |  |  |  |
| 900001159 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage payment history of 0x30x33 which exceeds minimum 0x30x24 per guidelines.; Disposable Income - Borrower has verified monthly XX income of $XX.; | CRED 0100 Insufficient verified reserves - Borrower is short reserves required by $XX. Loans exceeding 75% CLTV require 2 months reserves. Actual reserves verified are 0.81., Compensating Factors: - 9/10/2024 - Exception is downgraded to EV2/B with the attached pre and post consummation dated account statements documenting assets in excess of 2 months PITI. <br>Verified housing payment history |  |  |  |
| 900001072 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 37.32% DTI is below 50% maximum per guidelines.; Low LTV/CLTV/HCLTV - 55.86% CLTV is below 85% maximum per guidelines.; |  |  | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Closing Disclosure estimated taxes and insurance of $xxx with property costs over year 1 of $xxx is inaccurate. Actual taxes and insurance $xxx with property costs over year 1 is $xxx. - 7/29/20247 - Exception is cleared with the attached documented tax and insurance; annual tax and insurance premium is the same. Disclosed payment and property costs over year 1 is accurate. TRID 0204 Exception Cleared;<br>|  |
| 900001079 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 770 Credit score exceeds minimum 700 required per guidelines.; Verified housing payment history - Borrower has verified mortgage history of 0x30x30 which exceeds minimum required 0x30x24.; |  |  |  |  |
| 900001191 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 39.01% CLTV is below 85% maximum per guidelines.; Low DTI - 25.35% DTI is below 50% maximum per guidelines.; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing COC for XX Fee of $XX disclosed on XX/XX/XX. -- A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($2.50) were applied to the total fee variance of ($65.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - 09/23/2024 EV2 Post-Closing Corrective Action - LOE and PC CD received. <br>09/16/2024 - Recd evidence of principal reduction. |  |  |  |
| 900001091 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 32.49% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Lender approval is missing from loan file. 1008 does not have an approval date. - 07/31/24 Lender Loan approval received.<br>|  |
| 900001138 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 789 Credit score exceeds minimum 680 score per guidelines.; Verified ownership of subject property - Borrower has owned subject property 9 years.; |  |  | CRED 0089 Missing Required Fraud Tool - Missing comprehensive fraud report with all fraud findings satisfactorily addressed. No fraud report provided in file. - 07/30/24 - Drive report received.<br>HUD 0001 Missing Final HUD-1 - Missing borrower signed final CD. - 8/22/2024 - Recd email correspondence from correspondent post closing manager confirming that the unexecuted CD in file dated XX/XX with cash to borrower of $XX was not provided to borrower. Final CD XX/XX wet-signed by the the borrower with cash to borrower of $XX provided XX/XX. HUD 0001 Exception Cleared;<br>|  |
| 900001097 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been in business for xxx years.; Low LTV/CLTV/HCLTV - 46.67% CLTV is below 80% maximum per guidelines.; |  |  | HUD 0028 Loan Disbursement Date and Interest From on HUD do not match - Missing dry funding CD. Final CD and HUD reflect a disbursement date of xx/xx/xx. The HUD has the prepaid interest calculated from xx/xx/xx, the final CD has the prepaid interest calculated from xx/xx/xx. - 07/31/24 Final settlement statement confirming disbursement date of xx/xx/xx received.<br>|  |
| 900001100 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 40.36%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 189 months of mortgage history paid 0x30, verified per credit report. ; |  |  | TRID 0130 Missing Intent to Proceed - Missing intent to proceed. ITP forms in file are not executed by the borrower. - 7/30/24 ITP executed by B1 received.<br>|  |
| 900001113 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified ownership of subject property - Borrowers have lived in subject property xxx years.; Disposable Income - Borrowers have $xxx in verified disposable income.; | TRID 0148 LE or CD is Deficient - Final CD dated xx/xx/xx and PCCD dated xx/xx/xx - Loan Disclosures / Partial Payments did not disclose if the lender may accept, may hold, or does not accept partial payments. - EV2 Post Closing Corrective Action --Corrective PC CD and LOE to borrower received. |  |  |  |
| 900001101 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 785 Credit score exceeds minimum 680 required per guidelines.; Low DTI - 10.96% DTI is below maximum 50% per guidelines.; | CRED 0082 Income Documentation is Insufficient - Missing required signed written business narrative including description of business operation, primary product or services, customer base, number of employees and any additional information helpful in determining eligible deposits. - EV2 Investor Acknowledged Exception |  |  |  |
| 900001123 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Disposable Income - Borrower has $xxx in verified disposable income.; Low DTI - Borrower DTI of 36.87% is below 50% maximum per guidelines.; | TRID 0148 LE or CD is Deficient - Loan disclosures on final CD is incomplete. Reason loan is not escrowed is not checked. - EV2/B Non-Material |  | PROP 0003 Missing Required Property Inspection - Missing required property condition inspection as required by guidelines. - 8/7/2024 - Exception is cleared with the attached property condition report. Potential risk noted due to no comps being included in the report. AVM report in file provided comps. PROP 0003 Exception Cleared;<br>TITL 0011 Missing Title Holder Name from Title Evidence - Deed of Trust reflects vesting.<br>- 8/13/2024 - Recd response from title, The Limited Coverage Policy is not a post closing product. It is an actual final policy that is issued upfront when the order is requested. Any new vesting deed or mortgage information is added via the JR1 endorsement. Correct Vesting shows on Bullet #3. --- Included is a copy of the endorsement with the correct vesting. TITL 0011 Exception Cleared;<br>|  |
| 900001111 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 65.30% CLTV is below 85% maximum per guidelines.; Verified ownership of subject property - Borrower has owned subject property for xxx years.; |  |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Missing Mortgage Exhibit A Legal Description. - 08/19/24 Copy of recorded mortgage w/Exhibit A received.<br>|  |
| 900001087 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 46.493% CLTV is below 75% maximum per guidelines.; Low DTI - 36.17% DTI is below 45% maximum per guidelines.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing loan approval. Only 1008 provided in file. - 8/7/2024 - Exception is cleared with the attached copy of the underwriting conditional approval. APPRV 0001 Exception Cleared;<br>|  |
| 900001132 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 61.55%, maximum of 85% allowed per guidelines. ; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing COC to address increased title fees on the final CD.<br>Total Variance $XXX. -- A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($134.47) were applied to the total fee variance of ($299.47) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - 08/15/2024 - EV2 Post Closing Corrective Action. PC CC, LOE to borrower, Copy of refund check in the amount of $XX, and fed-ex tracking received. |  | CRED 0091 Missing Tax Transcript(s) - Missing most recent two years wage transcripts. Signed 4506C provided. - 8/28/2024 - Exception re-reviewed and cleared. 1099's reflect no taxes being withheld. Income XX is not taxable. Since borrowers income is non-taxable transcripts would not be applicable due to borrower age not requiring filing returns on unearned non-taxable income sources. <br>|  |
| 900001089 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 120 months of mortgage history paid 0x30, verified per credit report. ; |  |  |  |  |
| 900001090 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 59.38% CLTV is below 85% maximum per guidelines.; Verified employment history - Borrower 1 has been on job for xxx years.; |  |  |  |  |
| 900001133 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Verified housing payment history - Borrower has verified housing payment history of 0x30x45 which exceeds 0x30x24 minimum required.; Verified credit history - 739 Credit score exceeds minimum 700 required by guidelines.; | APPR 0076 Appraisal Discrepancy - 1. Appraisal neighborhood is listed as XX, but comment states that subject is located in a XX area which would require lender approval.<br>2. Appraiser does not address damage to basement walls from pets. - 8/23/2024 - Investor acknowledged the property without 10% LTV reduction. |  | APRV 0001 Missing Underwriter Loan Approval - Missing loan approval. Only 1008 provided in file. - 8/7/2024 - Exception is cleared with the attached underwriting decision. APRV 0001 Exception Cleared;<br>|  |
| 900001125 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Low DTI - 33.46% DTI is below 50% maximum per guidelines.; |  |  | CRED 0082 Income Documentation is Insufficient - 1. Borrower 1 is currently on workers compensation per pay stubs but file has no documentation of the claim dates, return to work information or expected pay.<br>2. Borrower 2 is paid hourly with variable hours. Need a WVOE with income breakdown to calculate income. - 8/19/2024 - Per employer (Stip 8/13), "This email is to confirm that (borrower) is receiving Light Duty Workers Comp, (borrower) has not missed work and this is not a temp leave situation." -- Employer confirms borrower is not on any leave of absence and paystubs confirms full compensation. Part 1 of the exception is cleared. Part 2 of the exception was cleared with B2 WVOE presented (Stip 8/15). CRED 0082 Exception Cleared;<br>TRID 0166 Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) - Missing dry funding CD. - 8/8/2024 - Exception appears to have been reported in error. CD dated xx/xx, Note Date xx/xx, Received at Closing xx/xx. TRID 0166 Exception Cleared;<br>TRID 0045 Document Intent to Proceed with the Transaction - Missing intent to proceed date. Intent to proceed forms in file are not signed. - 07/31/24 - ITP received.<br>PROP 0003 Missing Required Property Inspection - Missing required property inspection report. - 07/31/24 - PCI dated (##/##/##) received. Subject is noted as being in average condition with no negative or adverse property features noted. <br>|  |
| 900001081 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - 767 Credit score exceeds minimum 680 required by guidelines.; Disposable Income - Borrower has $xxx in verified residual income.; | APRV 0010 Underwriting Loan Approval is Deficient - Review DTI 44.27% / Qualifying DTI 49.76%, variance > 3%. Qualifying DTI double counted taxes and issuance already being escrowed with first lien. , Compensating Factors: - DTI Variance > 3% is non-material (Max Allowed 50%).Verified credit history<br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated xx/xx/xx does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-Material |  |  |  |
| 900001256 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 768 qualifying credit scores, minimum required of 680. No derogatory credit. Credit file dates back XX years. 180 plus months of mortgage history reporting with no late payments.; Verified employment history - 21 plus years of verified employment with current employer per VOE. ; |  |  | TRID 0135 No proof borrower(s) can receive documents via the electronic method as intended - Missing documented eConsent (date), which is the date the loan estimate was eSigned. Disclosure tracking in file eConsent date is blank. - 8/28/2024 Exception is cleared with the attached eConsent.<br>NOTE 0050 Note is Incomplete - Subordinate Lien Clause was not completed. - 11/05/2024 - Recd copy of the borrower executed newly drafted note with subordinate lien clause section completed.<br>TXEQ 0011 Fair Market Value Disclosure not provided or executed by Title Holders or Lender - State required XX Disclosure is not signed by the lender. - 09/16/24 - State required XX Disclosure executed by lender and borrower received.<br>|  |
| 900001162 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Borrowers have verified mortgage history of 0x30x50, which exceeds minimum 0x30x24.; Low DTI - 39.17% DTI is below 45% maximum per guidelines.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Disclosed estimated costs of $XX with property costs over year 1 of $XX is inaccurate. Lender is not required to disclose costs escrowed with first lien. If the costs are disclosed they must be accurate. Actual costs are $XX with property costs over year 1 of $XX. - 09/17/2024 - Exception is downgraded to EV2/B with the attached PCCD and cover letter. US Mailbox Rule to be applied to evidence delivery to borrower completed within 60 days of discovery. |  | CRED 0091 Missing Tax Transcript(s) - Missing tax transcripts for most recent two years for Borrower 2. - 09/03/24 - Wage transcripts for B2 for most recent three years received.<br>|  |
| 900001093 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Low LTV/CLTV/HCLTV - 54.53% CLTV is below 80% maximum per guidelines.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-material |  | TRID 0166 Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) - Missing dry funding CD issued after closing. - 8/7/2024 - Recd dry funding CD. TRID 0166 Exception Cleared;<br>TRID 0162 LE is not within 3 business days of Change of Circumstance. - Missing re-disclosed LE for rate lock extension and interest rate change to 9%. COC issued xx/xx is more than 3 days prior to next LE in file issued xx/xx LE. - 8/7/2024 - "(lender) was closed for business on xx/xx and xx/xx, which followed into the weekend. The LE dated xx/xx is within business days timeframe." TRID 0162 Exception Cleared;<br>|  |
| 900001136 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 33.39% DTI is below 45% maximum per guidelines.; Disposable Income - Borrowers have verified residual income of $XXXX.; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC or general credit for increase in recording fees. COC does not address increase in this fee. -- The total amount of Closing Disclosure 10% Category fees ($184.00) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on XX/XX/XX, ($115.00). The total amount of fees in this category cannot exceed ($126.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). - 8/24/2024 - Exception is downgraded EV2/B with the attached PCCD, cover letter, copy of refund check $XX, and courier tracking slip to evidence package is in transit. |  |  |  |
| 900001115 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low DTI - 38.81% DTI < 45%.; | CRED 0082 Income Documentation is Insufficient - Borrower is self employed qualifying on 12 months business bank statement program. Missing signed Business Narrative required per guidelines. - EV2/B - Investor Acknowledged Exception |  | RESPA 0029 Missing Homeownership Counseling Disclosure - Missing Homeownership Counseling Disclosure to verify 10 counselors were disclosed to borrower. - 8/7/2024 - Exception is cleared with the attached Homeownership Counseling Disclosure.<br>COMP 0010 Missing Affiliated Business Disclosure - Missing affiliated business disclosure. No privacy disclosure in file to indicate if the lender has any affiliated business relationships to disclose. - 8/7/2024 - Lender confirms that there are no affiliated business relationships to disclose, thus no ABD required.<br>TRID 0166 Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) - Missing post-closing dry funding CD. - 8/13/2024 - Recd closing CD. TRID 0166 Exception Cleared;<br>|  |
| 900001193 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x95.; Low DTI - Borrower DTI of 33.41% is below 50% maximum per guidelines.; |  |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing lender approval. - 09/03/24 - Lender loan approval received.<br>HUD 0028 Loan Disbursement Date and Interest From on HUD do not match - Final CD dated XX/XX/XX reflects a disbursement date of XX/XX/XX. Actual disbursement date per the final settlement statement is XX/XX/XX. Missing final CD reflecting final dates. - 09/24/24 - PC CD dated XX/XX/XX received. Fees and Disbursement date updated. (Dry Funding state).<br>TRID 0148 LE or CD is Deficient - Missing second page of the initial LE Dated XX/XX/XX. - 09/03/24 - Pages 1 and 2 of the LE dated XX/XX/XX received.<br>ROR 0004 Right of Rescission is not executed by Title Holder(s) - Missing executed ROR by all title holders. RORs in file are unexecuted. - 09/03/24 - Executed ROR received.<br>|  |
| 900001135 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Qualifying credit score 767 > 700 Min Required.; |  |  | CRED 0137 Missing W2(s) - W2 forms provided are not complete copies. The Year is not stated on the W2 forms. - 8/20/2024 - Exception re-reviewed and cleared. Loan file contains 3rd party VOE and wage transcripts. CRED 0137 Exception Cleared;<br>CRED 0038 Missing Credit Package - Multiple parts of file have the bottom part of the page cut off. - 9/30/2024 - Recd complete copies of missing documents.<br>NOTE 0050 Note is Incomplete - Page 1 of Note is not fully visible. Bottom section of image is cut off at the bottom. - 08/13/24 - Complete copy of the Note received.<br>ROR 0004 Right of Rescission is not executed by Title Holder(s) - Copies of ROR appear to have cut off pages and are missing signatures/dates of borrowers/vested owners. - 08/13/24 - Complete copies of the executed RORs received.<br>APPR 0002 Appraisal is Incomplete - Appraisal is not complete. The bottom section of all pages of appraisal has been cut off. Not all photos are fully visible - 08/13/24 - Complete copy of appraisal received.<br>|  |
| 900001098 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 27.68% DTI is below maximum 50% per guidelines.; Verified employment history - Borrower has been on current job xxx years.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material |  | TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing COC for decrease in general credit. Credit changed from $-xxx to $-xxx -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Loan Estimate sent on xx/xx, ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - 08/01/24 - Recd from lender: Please see rate lock extension and credit adjustment. <br>|  |
| 900001099 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has been on job xxx years.; Verified credit history - 779 Credit score exceeds minimum required 680 per guidelines.; | CRED 0006 Missing Employment doc (VVOE) - Missing VVOE for B1 dated within 10 days of the note date. The (voe) is incomplete and does not confirm if the borrower was still active., Compensating Factors: - Exception is downgraded to EV2/B with the attached post-consummation dated VOE, which is in support of the pre-consummation dated VOE in file dated < 30 days prior to closing. Verified credit history |  |  |  |
| 900001129 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has owned business for 23 plus years.; Verified credit history - 766 Credit score exceeds minimum 700 required per guidelines.; | TRID 0166 Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) - NEW 8/14 Recd PCCD TRID 0089: Disclosed Total of Payments of $693,208.34 on CD issued at closing on XX/XX is $XX less than the corrected Total of Payments of $693,266.34 disclosed on PCCD issued on XX/XX. This exceeds the $35 threshold for rescindable transactions. Requires LOE, PCCD, refund, re-opening of rescission period and evidence of receipt by borrower. - 9/4/2024 - Exception is downgraded to EV2/B with the attached ROR and courier tracking slip to evidence delivery to borrower. PCCD disclosing the credit of $XX for increase above legal limit, copy of refund $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from closing previously provided on XX/XX.<br>TRID 0148 LE or CD is Deficient - Final CD Loan Disclosures / Escrow Account did not disclose if an escrow account was declined by the borrower or if the lender did not offer one. - EV2 Non-Material<br>TRID 0089 Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 - In reviewing the lender's mavent report it appears that the variance is due to the lender not including $XX State Policy Fee and $XX Tax Service fee.--The disclosed finance charge ($478,827.34) is ($61.00) below the actual finance charge ($478,888.34). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - 9/4/2024 - Exception is downgraded to EV2/B with the attached ROR and courier tracking slip to evidence delivery to borrower. PCCD disclosing the credit of $XX for increase above legal limit, copy of refund $XX, and courier tracking slip to evidence delivery to borrower was completed within 60 days from closing previously provided on XX/XX. |  |  |  |
| 900001112 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 52.10% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrower has verified mortgage history of 0x30x45 which exceeds the minimum 0x30x24 required per guidelines.; |  |  |  |  |
| 900001114 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 2 has been on current job xxx years.; Low DTI - 25.41% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001130 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 53.09% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has verified $XX in residual income.; | CRED 0004 Back-end Ratio exception (DTI) - UPDATED EXCEPTION: Approved DTI 44.58% / Review DTI 48.48%, variance > 3% due to income calculation discrepancy.<br>ORIGINAL EXCEPTION: 51.06% DTI exceeds maximum 50% per guidelines. Per Final 1003 reflects notes receivable income of $XXXX was used to qualify. Notes in file are held by XX and XX. This income appears to be reported on the returns and reflected in the interest income reported on the borrower's K1. Review has included the income under each applicable business as reported on the K1s vs the separate Notes receivable as the file does not contain any documentation to verify regular receipt of income for the most recent 12 months. , Compensating Factors: - Approved DTI 44.58% / Review DTI 48.48%, variance > 3% due to income calculation discrepancy. Review DTI excluding installment debt < 10 months is 48.48% < 50% Max Allowed (LTV < 80%, FICO > 720, and Residual Income > $XX). Low LTV/CLTV/HCLTV<br>CRED 0006 Missing Employment doc (VVOE) - Missing 3rd party verification of self-employment.<br>, Compensating Factors: - 8/23/2024 - Exception is downgraded to EV2/B with the attached post-consummation dated SOS for self-employment businesses, which is in support of two years tax returns provided in file.Low LTV/CLTV/HCLTV<br>TRID 0148 LE or CD is Deficient - Final CD Loan Disclosures / Escrow Account did not disclose if an escrow account was declined by the borrower or if the lender did not offer one. - EV2 Non-Material |  | TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing COC for decrease in lender credit. --The sum of non-specific (lump sum) lender credits and specific lender credits ($6,250.00) has decreased from the amount disclosed on the Closing Disclosure sent on 2024-06-21, ($7,500.00). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - 8/8/2024 - Exception is cleared with the attached COC.<br>|  |
| 900001175 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 22.34% DTI, maximum of 45% allowed. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material<br>TRID 0089 Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 - 08/21/24 - Added per PC CD dated XX/XX/XX -- The disclosed finance charge ($879,272.51) is ($73.00) below the actual finance charge ($879,345.51). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - 09/11/2024 EV2 Post-Closing Corrective Action - LOE, ROR, and Fed-Ex tracking received. Delivery confirmed XX/XX/XX. ROR expired XX/XX/XX.<br>9/9/2024 - Exception is partially cured with PCCD, cover letter, copy of refund check $XX, and courier tracking slip. TRID Grid 4.0 allows for Corrected PCCD or detailed LOE re-disclosing the correct information. |  | HUD 0028 Loan Disbursement Date and Interest From on HUD do not match - Signed CD has disbursement date of XX/XX/XX with an interest from date of XX/XX/XX. Estimated HUD executed XX/XX/XX reflects XX/XX/XX. Missing final CD. (Dry Funding state) - 08/20/24 - Final CD reflecting the actual disbursement date and interest to/from dates received. (Dry Funding State)<br>TITL 0014 Title Policy - Schedule B Exception - Per Preliminary Title there were unpaid, delinquent property taxes on subject. Tax Bill states taxes were due by XX/XX/XX. No evidence on final Closing Disclosure that the taxes were paid. - 8/13/2024 - Recd tax information evidencing that the delinquent taxes were redeemed. TITL 0014 Exception Cleared;<br>TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing the disclosure tracking to verify borrower receipt of the LE issued XX/XX/XX. - 8/13/2024 - Recd disclosure tracking to evidence delivery to borrower within 4 business days before consummation. TRID 0023 Exception Cleared;<br>|  |
| 900001084 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have verified mortgage history of 0x30x36 which exceeds minimum 0x30x24 required by guidelines; Disposable Income - Borrowers have $xxx in verified residual income.; |  |  |  |  |
| 900001240 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 44 months of mortgage history paid 0x30, verified per credit report. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Compliance with Title XI of FIRREA not included in Appraisal Report. - EV2 Non-Material |  | CRED 0086 Undisclosed or Excluded Debt - NEW 9/12/24 - After deducting payments paid at closing DTI exception identified (CRED 0004).<br>XX minimum payment of $XX was not included in qualifying. Including the liability increased the DTI to 45.18% > 45% Max Allowed. Borrower does not meet requirements to allow DTI up to 50%. - 9/17/2024 - Exception re-reviewed and cleared. CD confirms the liability was paid at closing. <br>PROP 0003 Missing Required Property Inspection - Missing post-disaster inspection report. Subject county is in a declared disaster zone eligible for individual assistance. - 10/17/2024 - Exception is cleared with the attached disaster inspection report confirming no property damage.<br>CRED 0004 Back-end Ratio exception (DTI) - Missing current statements to verify payoffs were sufficient to pay account balances in full. With payments included DTI is 76.64% which exceeds the max allowed of 45%. - 9/10/2024 - Exception is cleared with the attached preclose credit report.<br>|  |
| 900001194 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 127 months of mortgage history paid 0x30, verified per credit report. ; Net tangible benefit - Debt consolidation saving borrower $XX per month. ; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increase in Recording Fee on Final CD signed at closing. Borrower paid portion increased from $XX to $XX. - 09/15/24 - LOE to borrower, PC CD, copy of refund check in the amount of $XX, and (courier) tracking to evidence delivery to borrower was completed within 60 days from consummation.<br>TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing COC for removal of specific fee credits on Final CD. Initial CD and Interim CD show several items in Section B paid by other. Final CD shows these items paid by borrower. No COC or offsetting General Credit. - 09/15/24 - LOE to borrower, PC CD, copy of refund check in the amount of $XX, and (courier) tracking to evidence delivery to borrower was completed within 60 days from consummation. |  |  |  |
| 900001094 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Debt consolidation saving borrower $xxx per month; Verified housing payment history - 127 months of mortgage history paid 0x30, verified per credit report.; |  |  |  |  |
| 900001103 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 36.29% - Max 45%DTI; Verified housing payment history - 34 months verified 0x30 mortgage payment history; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated xx/xx/xx does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material |  |  |  |
| 900001105 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 143 months of mortgage history paid 0x30, verified per credit report. ; Net tangible benefit - Debt consolidation saving borrower $xxx per month. ; |  |  |  |  |
| 900001157 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 43.05%, maximum of 85% allowed per guidelines. ; | CRED 0004 Back-end Ratio exception (DTI) - Review DTI of 45.28% exceeds maximum allowed of 45% (does not qualify for DTI to 50%). File contains no valid approval, unable to validate lender DTI. Based on 1008, lender included XX income of $XX/mo which is not documented in the file and lender included Other Monthly payments of $XX which are not documented. Review verified other monthly payments of $XX. - 8/14/2024 - Investor accepts the post-close score and allow DTI up to 50%. CRED 0004 Investor Acknowledged Exception; |  | CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Per final 1003, borrowers own a separate free and clear investment property at (address). No documentation of this property in the file. 1003 states tax and insurance of $XX/mo. Missing documentation of tax and insurance expenses and missing confirmation that property is free and clear. Review included stated expenses of $XX/mo pending verification. - 08/19/24 - Updated 1003, 1008, and property profile report for noted separate REO was received. Property report confirms no ownership by borrowers. Updated 1008/1003 reflect that the separate REO and expenses have been removed.<br>TRID 0148 LE or CD is Deficient - Missing copy of CD issued XX/XX and presumed received by the borrower on XX/XX per disclosure tracking documents. - 9/6/2024 - Exception is cleared with the attached lender attestation confirming disclosures indicated to have been issued XX/XX and XX/XX were not delivered to borrower.<br>APRV 0010 Underwriting Loan Approval is Deficient - File contains no valid approval matching final terms of Note. Based on documents in the file the original loan request was $XX. Loan closed with $XX amount. 1008 lists correct loan amount, however based on Other Monthly payments it appears the 1008 still reflects the debts paid off. Missing final loan approval. - 08/19/24 - Updated loan approval and 1008 reflecting the subject loan terms received.<br>|  |
| 900001088 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | None - No significant compensating factors. ; |  |  |  |  |
| 900001121 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 49%, maximum of 80% allowed per guidelines. ; Verified credit history - 759 FICO > 640 Min Required.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - CD only included estimated insurance payment in property costs over year 1 calculation. Actual tax $xxx + insurance $xxx = $xxx with property costs over year 1 of $xxx. - EV2 Post Closing Corrective Action- Corrective PC CD and LOE to borrower received.<br>TRID 0148 LE or CD is Deficient - Final CD dated xx/xx/xx Loan Disclosures / Escrow Account did not disclose if an escrow account was declined by the borrower or if the lender did not offer one. - EV2/B Non-Material |  |  |  |
| 900001102 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 71.86% CLTV < 85% Max Allowed.; Verified credit history - Qualifying FIC 723 > 680 Minimum Required.; |  |  |  |  |
| 900001151 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified housing payment history - 48 months current mortgage history paid 0x30 per credit report. ; Verified credit history - Borrower representative credit score is 725. All credit history reported is paid 0x30 with oldest reporting tradeline 24 years of history. ; Net tangible benefit - Borrower paid off $XX in consumer debt eliminating $XX in monthly payments. ; | APRV 0010 Underwriting Loan Approval is Deficient - Approved DTI 43.85% / Review DTI 35.10% (Max 45%), variance > 3%. Difference is due to XX costs being double counted. - EV2/B Non-Material. <br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one., Compensating Factors: - EV2/B Non-MaterialVerified housing payment history<br>TRID 0089 Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 - Under-disclosure is due to XX Fee. -- The disclosed finance charge ($292,569.22) is ($575) below the actual finance charge ($293,144.22). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - 9/3/2024 - Exception is downgraded to EV2/B with the borrower executed ROR, PCCD, LOE, and refund check with evidence of trackable delivery to borrower. |  |  |  |
| 900001127 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for xxx years.; Verified housing payment history - 73 combined months of mortgage pay history paid 0x30 per credit report. ; Verified reserves - 50 months reserves remain after closing from cashout received from the subject transaction. ; |  |  | CRED 0004 Back-end Ratio exception (DTI) - Review DTI 45.39% > 45% Max Allowed, (Creditor) xxxx payment of $xxx does not appear to have been considered in qualifying. Borrower does not meet the residual income requirement of $xxx for max DTI allowed of 50% (Income $xxx - Liabilities $xxx =$xxx). - 08/13/24 Copy of Citi statement reflecting $xxx balance received. Final DTI with updated $xxx payment 44.77%. <br>|  |
| 900001137 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Borrower has XX months verified reserves.; Disposable Income - Borrower has $XXXX in verified disposable income.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender's underwriting decision / approval. Review used 1008 for ratios. - SEE APRV 0003 <br>APRV 0003 Missing Loan Approval Date - Missing lender's underwriting decision / approval. Review used 1008 for ratios. - 09/03/24 - Lender loan approval received.<br>|  |
| 900001163 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Net tangible benefit - Debt consolidation saving borrower $XX per month. ; Verified credit history - 152 months of mortgage history paid 0x30, verified per credit report. ; | CRED 0004 Back-end Ratio exception (DTI) - Review DTI 23.53% / Approved DTI 28.71%, variance > 3% due to lender double counting costs already being escrowed with first lien. , Compensating Factors: - EV2/B Non-Material.Verified credit history<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid COC for increase to XX Fee of $XX ON XX/XX (From $XX to $XX).-- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on XX/XX/XX: XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 09/10/2024 EV2 Post-Closing Corrective action -- PC CD, LOE, Copy of refund check, and fed-ex tracking received.<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for LE issued XX/XX/XX for the increase in the XX fee. -- The total amount of Closing Disclosure 10% Category fees ($261.85) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on XX/XX/XX, ($115.00). The total amount of fees in this category cannot exceed ($126.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). - 09/10/2024 EV2 Post-Closing Corrective action -- PC CD, LOE, Copy of refund check, and fed-ex tracking received. |  |  |  |
| 900001096 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job for xxx years.; Verified housing payment history - Borrower has verified mortgage history of 0x30 for last 10 years.; |  |  |  |  |
| 900001104 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 35.04% DTI is below 45% maximum per guidelines.; Disposable Income - Borrowers have $xxx in verified residual income.; |  |  |  |  |
| 900001116 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Low DTI - 35.662% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001164 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 767 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrowers have $XX in verified XX income.; | CRED 0082 Income Documentation is Insufficient - Most recent year tax return is not complete or signed by borrower. Missing first page and borrower signature.<br>, Compensating Factors: - EV2 Most recent tax transcripts in file validated return.Verified credit history |  | TITL 0014 Title Policy - Schedule B Exception - Title Report includes exception for XX and file does have payoff letter for $XX to payoff the exception; however, the payoff is not listed on the final CD. - 09/18/2024 - Recd image of Letter of Affirmation reflecting a $XX fee to be paid in order to terminate the XX Title Report Exception. Settlement statement provided XX/XX confirms Termination Fee was paid at closing.<br>|  |
| 900001118 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 83 combined months of mortgage housing pay history paid 0x30 per the credit report. Borrower paid off existing 2nd lien with 15 months of prior history also paid 0x30. ; Low DTI - Low 31.65% DTI when guidelines allow up to 45%; Net tangible benefit - Borrower paid off $xxx in consumer debt with subject transaction eliminating $xxx in total monthly payments. ; |  |  |  |  |
| 900001119 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 168 combined months of mortgage housing paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $xxx in consumer debt with subject transaction eliminating $xxx in monthly debt. ; Verified reserves - 11 months reserves verified when guidelines required none. This is based on assets verified with bank statements and does not include the cash received at closing from the subject transaction. ; | CRED 0004 Back-end Ratio exception (DTI) - Review DTI 42.35% / Approved DTI 35.80%, Variance > 3% is due to review including consumer debt payment on pre-close report. Borrower paid off one account with similar attributes; however, account numbers do not match. Max DTI allowed is 45%. , Compensating Factors: - EV2/B Non-MaterialVerified reserves |  |  |  |
| 900001196 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been on current job 19 plus years.; Verified credit history - 789 Credit score exceeds minimum 680 per guidelines.; | TRID 0171 Missing valid Change of Circumstance(s) - Missing COC for LE issued XX/XX/XX. Rate reduced and locked. - EV2 Non-Material, Rate was reduced and no fee violation. |  | PROP 0003 Missing Required Property Inspection - Missing post disaster inspection report. Subject is in XX which was a declared disaster area as of XX/XX/XX. - 02/03/26 - Exterior PCI received confirming property is in average condition with no repairs needed.<br>TXEQ 0019 Missing TX Home Equity Affidavit and Agreement - Missing executed copy State Required XX Agreement. - 09/16/24 - State Required XX Agreement received.<br>|  |
| 900001141 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 40.71% CLTV is below 85% maximum per guidelines.; Verified credit history - 721 Credit score exceeds minimum 680 required per guidelines.; |  |  | ROR 0004 Right of Rescission is not executed by Title Holder(s) - Missing ROR for Title Holder XX. - 09/04/24 - Executed ROR received.<br>|  |
| 900001144 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has 16.29 years on current job.; Disposable Income - Borrower has $XX in verified XX income.; |  |  | TRID 0148 LE or CD is Deficient - Missing last page of the final CD. - 8/23/2024 - Exception is cleared with the attached copy of the closing CD that includes the last page.<br>|  |
| 900001195 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 87 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly debt. ; |  |  | TITL 0013 Title Policy - Schedule A Exception - Missing final title to confirm Amount of Insurance is $XX. Title Commitment in file reflects $XX as Proposed Insurance. - 09/24/24 - FTP reflecting the final loan amount of $XX received. <br>|  |
| 900001143 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have verified mortgage history of 0x30x50.; Verified employment history - Borrower 1 has 26.29 years on current job. Borrower 2 has 18.67 years on current job.; |  |  | DMND 0002 Payoff/Demand Statement has a discrepancy in the data - Required XX closure letter in file is not executed by borrowers. - 09/04/24 - Executed authorization to pay and close received.<br>|  |
| 900001152 | XXXX | Funded | 2 | 2 | 2 | 2 |  |  |  | Low LTV/CLTV/HCLTV - Low 9.38% LTV and CLTV of 38.95%. Guidelines allow up to 80%.; Verified housing payment history - 75 combined months of mortgage housing payments paid 0x30 per the credit report.; Verified credit history - Borrower representative credit score is 806. All credits reported on credit report are reflected to be paid 0x30. Oldest and active tradeline reflected dates back to more than 20 years prior. ; Net tangible benefit - Borrower has minimal outstanding credit with balances. Debts with balance totaling $XX were paid off eliminating $XX in monthly payments. ; Verified reserves - 20 plus months reserves remain based on cash out proceeds allowed per guidelines. Guidelines required no reserves as CLTV < 75%.; | TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - The sum of non-specific (lump sum) lender credits and specific lender credits ($XX) has decreased from the amount disclosed on the Loan Estimate sent on XX/XX/XX and the prelim / initial CD ($XX). COC does not disclose a reason for the decrease. Missing valid COC for LC decrease. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($XX) has decreased from the amount disclosed on the Loan Estimate sent on XX/XX/XX. Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - 09/03/2024 - Exception is downgraded to EV2/B with the attached courier delivery confirmation evidencing delivery of the PCCD, cover letter, and copy of refund $XX to borrower within 60 days of consummation.<br>GIDE 0001 Guideline Exception(s) - Borrower continuity on the second lien mortgage note must be the same as the borrowers on the first lien note. Lender acknowledged exception in file. - Investor Acknowledged Exception.<br>APPR 0002 Appraisal is Incomplete - Review is pending Investor approval of separate VM and separate exterior inspection. File contains VM effective XX/XX/XX and separate Exterior Property Inspection dated XX/XX/XX. Per guideline VM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) must be an approved VM provider. - 8/15/2024 - Investor Acknowledged exception. |  | COMP 0050 Lender did not provide a disclosure informing the borrower(s) of their right to receive all written appraisals - Missing evidence that Borrower received the Right to Receive all written appraisals. eSign Process Summary does not list this disclosure as sent electronically. Borrower did receive as evidenced by email. - 08/21/24 - TPR Error, This regulation is not required for transaction type. <br>TITL 0013 Title Policy - Schedule A Exception - Missing final title to confirm vested owner was updated to reflect borrower only. - 08/20/24 Final title received.<br>|  |
| 900001139 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 68.86% CLTV is below 85% maximum per guidelines.; Verified credit history - 732 Credit score exceeds minimum 680 required per guidelines.; |  |  | CRED 0086 Undisclosed or Excluded Debt - Missing documentation of the new account with XX as listed on the final 1003. Need documentation of the balance and payment amounts. - 8/22/2024 - Exception is cleared with the attached page from the fraud report that documents the new liability. CRED 0086 Exception Cleared;<br>|  |
| 900001197 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been on current job for 22 plus years.; Disposable Income - Borrower has $XX in verified XX income.<br>; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for CD issued XX/XX/XX for the increase in the XX fee. -- The total amount of Closing Disclosure 10% Category fees ($250.00) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on XX/XX/XX, ($115.00). The total amount of fees in this category cannot exceed ($126.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). - 09/30/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount $XX, and courier receipt to evidence package is in transit and scheduled to be delivered to borrower within 60 days of discovery. |  |  |  |
| 900001120 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for xxx years. ; Verified housing payment history - 62 combined months of mortgage payment history paid 0x30 per credit report.; Verified credit history - Representative credit score of 756 with oldest open/active trade back to xx/xx and all credit reported as paid 0x30 per credit report. ; Loan Term < or = 15 year - Subject loan term has a 15 year amortization. Guidelines allow up to 30 years. ; |  |  | DD 0001 Missing Divorce Decree and/or Separation Agreement - REMOVE - REMOVE<br>QCD 0001 Missing Copy of Quit Claim Deed - REMOVE - 08/15/24 Quit Claim Deed received.<br>|  |
| 900001122 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 32.58% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has $xxx in verified disposable income.; |  |  |  |  |
| 900001165 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30 for 63 months.; Disposable Income - Borrower has $XX in verified XX income.; |  |  | TRID 0008 Initial CD Received Date is < 3 business days prior to Consummation Date - Missing Initial CD disclosed XX/XX/XX per disclosure tracking confirms borrower receipt XX/XX/XX. -- The Initial Closing Disclosure Received Date of (XX/XX/XX) is not three business days before the consummation date of (XX/XX/XX). Three business days before the consummation date is (XX/XX/XX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - 09/03/24 - Initial CD dated XX/XX/XX received.<br>|  |
| 900001145 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 18 years.; Verified housing payment history - 108 combined months of mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XX in consumer debt eliminating $XX in monthly consumer debt payments.; |  |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing Lender final approval. No formal Lender approval located in file. 1008 is in file. - 09/03/24 - Lender loan approval received.<br>|  |
| 900001146 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 23.46% DTI is below 50% maximum per guidelines.; Verified credit history - 794 Credit score exceeds minimum 700 required per guidelines.; |  |  | CRED 0072 VVOE dated outside of required timeframe - Missing VVOE dated within 10 days of note date for Borrower 2. - 09/04/24 - B2 VVOE completed XX/XX/XX received.<br>|  |
| 900001126 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 76 combined months of mortgage payment history paid 0x30 per credit report. ; Verified credit history - Representative credit scores of 783 and 772 for each borrower with all credit reported as paid 0x30 per the credit report. ; |  |  |  |  |
| 900001134 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30 for 57 months.; Verified credit history - 768 Credit score exceeds minimum 700 required per guidelines.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - The Prelim CD disclosed APR of 10.92%. Final CD XX/XX/XX APR disclosed 10.578%. Variance is a decrease of 0.342% - EV2 Non-Material - APR decreased, benefit to borrower.<br>CRED 0004 Back-end Ratio exception (DTI) - Approved DTI 48.54% / Review DTI 40.82%, variance > 3% due to double counting housing expenses already accounted for in first lien escrow., Compensating Factors: - EV2/B Non-Material. Verified credit history |  | COMP 0010 Missing Affiliated Business Disclosure - Missing ABD or Facts to verify if lender has affiliates. - 8/23/2024 - Lender's privacy disclosure confirms that there are no affiliated business relationships to disclose. eDisclosure tracking confirms the privacy disclosure was delivered to borrower.<br>|  |
| 900001140 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Verified housing payment history - 146 combined months of housing payments paid 0x30 per credit report.; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly payments. ; | APPR 0002 Appraisal is Incomplete - Lender provided Separate Standard VM and Separate Exterior inspection. Per guideline VM with exterior property inspection indicating average condition or better (max 13 forecast standard deviation) must be an approved VM provider., Compensating Factors: - EV2 Non-MaterialVerified housing payment history |  | COMP 0050 Lender did not provide a disclosure informing the borrower(s) of their right to receive all written appraisals - Missing evidence of disclosure of Right to Receive a copy of Appraisal. - 08/21/24 TPR Error, This regulation is not required for transaction type. <br>CRED 0091 Missing Tax Transcript(s) - Missing most recent two years transcripts for Co-Borrower to confirm XX income used to qualify. - 8/27/2024 - Exception is cleared with the attached most recent two years transcripts for B2.<br>COMP 0010 Missing Affiliated Business Disclosure - Missing ABD or Facts to verify if lender has affiliates. - 8/23/2024 - Exception is cleared with the attached copy of the privacy disclosure confirming lender has no affiliated business relationships to disclose.<br>|  |
| 900001142 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Disposable Income - Residual income $XX, $XX minimum required; Verified employment history - The borrower has been with their current employer for 5 years.; |  |  | COMP 0010 Missing Affiliated Business Disclosure - Missing ABD or Facts to verify if lender has affiliates. - 8/28/2024 - Exception is cleared with the attached privacy disclosure that confirms lender does not have any affiliated business relationships to disclose.<br>APRV 0010 Underwriting Loan Approval is Deficient - Missing final 1008. The 1008 in the file reflects a loan amount of $XX, Note amount is $XX. - 08/20/24 Final 1008 received.<br>|  |
| 900001149 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves required, borrowers are receiving 20 plus months or $XX from cash out proceeds.; Verified ownership of subject property - The borrowers have owned the subject property more than 15 years.; |  |  | RESPA 0029 Missing Homeownership Counseling Disclosure - H/O Counseling Disclosure not in file. - 8/23/2024 - Exception is cleared with the attached housing counselor disclosure.<br>COMP 0010 Missing Affiliated Business Disclosure - Missing Affiliated Business Disclosure. - 8/23/2024 - Exception is cleared with the attached privacy disclosure confirming lender does not have any affiliated business relationships to disclose.<br>|  |
| 900001174 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has 18 plus years on current job.; Verified credit history - Representative credit score of 735 exceeds minimum 700 required per guidelines.; | GIDE 0001 Guideline Exception(s) - Per guidelines, Borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note (exceptions considered on a case-by case basis). B1 is on both mortgage notes. B2 of subject mortgage note is not on the first mortgage note. B2 on the first mortgage note is not on the subject mortgage note. - Investor Acknowledged Exception |  | DEED 0037 All title holders did not execute the Mortgage/DOT - Provide copy of the deed transferring title from prior second vested owner to subject B1 alone. File documentation shows that the property is intended to be vested by subject B1 alone. Proceeds were to prior other vested owner. Also need Deed transferring title from subject B1 to subject B1 and subject B2 both is required. - 09/12/24 - Title to said estate or interest at the date hereof is vested in: subject B1 and first (not subject) mortgage note B2. Copy of Deed from subject B1 and prior vested owner/mortgage note B2 to subject B1 alone recorded XX/XX/XX received (Ref No XX).<br>Copy of Deed from subject B1 to XX recorded XX/XX/XX received (Ref No XX). <br>Copy of Deed from XX to subject B1 and subject B2, recorded XX/XX/XX received (Ref No XX).<br>Final Deed is to borrower(s).<br>|  |
| 900001124 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job for xxx years, Borrower 2 has been on current job for xxx years.; Disposable Income - Borrowers have $xxx in verified residual income.; |  |  |  |  |
| 900001198 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been on current job 8 plus years.; Low DTI - 39.05% DTI is below 45% maximum per guidelines.; | APPR 0044 HPML Appraisal Requirements are Not Met - The appraisal does not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing valid COC for the increase to the 10% fees. COC just states fees were under disclosed. The changed circumstance is related to eligibility due to higher LTV - it is unclear how this would increase the XX fee(s). Initial LE 10% fees $XX. Final CD 10% fees $XX. -- The total amount of 10% category fees ($978.00) increased by more than 10% from the amount disclosed on the Closing Disclosure sent on XX/XX/XX, ($835.00). The total amount of fees in this category cannot exceed ($918.50) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - 10/02/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount of $XX and courier receipt to evidence package is in transit within 60 days of discovery. |  | PROP 0003 Missing Required Property Inspection - Missing post disaster inspection report. Subject is in XX which was a declared disaster area as of XX/XX/XX. - 10/03/24 - PDI dated XX/XX/XX received. No damage noted. No repairs required<br>|  |
| 900001257 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed for 43+ years with same employer.; Verified housing payment history - 116 combined months of mortgage payments paid 0x30 per credit report. ; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing valid COCs for the specified fee increases. -- A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($85.50) were applied to the total fee variance of ($306.24) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - 0/17/2024 - Exception is downgraded to EV2/B with the attached PCCD, LOE, and evidence of principal reduction completed within 60 days from discovery. NOTE: Evidence of trackable delivery not required due to principal reduction. US Mailbox Rule to be applied. |  | INS 0001 Missing Sufficient Evidence of Insurance - Hazard insurance in the file expires within a month after disbursement. Policy reflects mortgage with (lender). Missing renewal policy. - 10/18/2024 - Exception is cleared with the attached hazard insurance renewal.<br>APPR 0046 Missing Third Party Appraisal Review - The borrower paid for a XX Fee at closing, no XX in the file. - 9/27/2024 - XX item paid for at closing recd.<br>COMP 0036 Affiliated Business Disclosure Is Not Executed - Missing initial Affiliated Business Disclosure executed by the borrowers. The only executed copy was signed at closing. An affiliate, was used on the transaction. - 11/08/2024 - Exception is cleared with the attached copy of the borrower signed ABD issued at application. <br>|  |
| 900001227 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 137 combined mortgage payments paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off debts totaling $XX eliminating $XX in monthly payments. ; |  |  | APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. 1008 is not signed. - 09/11/24 - Lender loan approval received.<br>TITL 0014 Title Policy - Schedule B Exception - Missing borrower executed title Closing Affidavit and Agreement - Owner Refinance; XX exception included. - 10/07/2024 - Exception is cleared with the attached executed Closing Affidavit and Agreement - Owner Refinance. <br>|  |
| 900001155 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 30+ years on primary job and 5+ years on secondary. Co-borrower has been employed for 4+ years. ; Verified housing payment history - 60 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in total consumer debt eliminating $XX in monthly payments. ; Verified reserves - 47 months reserves remain after closing based on cash out proceeds. Guidelines require 2 months.; | APPR 0044 HPML Appraisal Requirements are Not Met - Loan is an HPML, Appraisal in file does not disclose the Certification that the Appraisal was completed in accordance with Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations - EV2/B Non-Material |  |  |  |
| 900001170 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30 for 44 months; which exceeds minimum required 24 months.; Low DTI - 19.50% DTI is below 45% maximum per guidelines.; |  |  | APRV 0003 Missing Loan Approval Date - Missing Lender Approval document, the file only contains a 1008. - 9/11/2024 - Exception is cleared with the attached underwriting conditional approval.<br>ROR 0004 Right of Rescission is not executed by Title Holder(s) - Missing Notice of Right to Cancel signed by the borrower/vested title holder. - 9/11/2024 - Exception is cleared with the attached borrower signed ROR.<br>|  |
| 900001178 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 38.03% DTI is below maximum 50% per guidelines.; Disposable Income - Borrower has $XX in verified XX income.; | COMP 0027 Zero Tolerance Fee Violation - Missing COC for the addition of the XX fee of $XX. It is noted on the COC dated XX/XX/XX, but form does not provide a changed circumstance that required the XX fee. - 09/11/24 - COC received. Finding cleared upon re-submission. |  |  |  |
| 900001226 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 32.13% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower has 7 plus years on current job.; |  |  | CRED 0012 CLTV Exceeds Max Allowed - 87.23% CLTV exceeds maximum 85% per guidelines. First lien balance of $XX + $XX second lien / $XX value is 87.23%. - 10/09/2024 - Attached post-consummation dated billing statement reflects a principal reduction of $XX prior to closing. Applying the $XX principal reduction to the balance documented in file reduced the CLTV to 85%.<br>|  |
| 900001342 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for xxx years. ; Verified housing payment history - 81 combined months of mortgage pay history paid 0x30 per credit report.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2/B Non-Material<br>TITL 0014 Title Policy - Schedule B Exception - Schedule B exceptions not addressed:<br>Missing survey affidavit (5.D), Solar (7-8), and Simple Revocable Transfer on Death (9). - 12/27/2024 - Investor acknowledged exception. |  | APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. - 9/17/2024 - Exception is cleared with the attached underwriting conditional approval.<br>|  |
| 900001169 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - The borrower has been with their current employer since 2012. 1st mortgage is with the borrower's employer.; Verified reserves - Reserves required $XX, borrower is receiving $XX in cash out proceeds.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2/B Non-Material |  | COMP 0035 Affiliated Business Disclosure Not Provided Within 3 Business Days of Application - 09/06/24 - ABD executed by borrower <br>09/03/24 - Provided via stips. Missing ABD issued with initial disclosures. - 9/20/2024 - Originating lender confirms that there are no affiliated business relationships to disclose, thus no ABD required.<br>HCOST 0001 High Cost Failure - The loan fees ($XX) exceed the (FED2014) (Note Amount >=$26,092.00) fee limit, which is 5% of the Total Loan Amount ($XX), the difference is ($XX). (12 CFR 1026.32). - 09/03/24 - ABD received, Payee updated and compliance cleared upon resubmission.<br>COMP 0010 Missing Affiliated Business Disclosure - Affiliated Business Disclosure/Facts not in file. Missing privacy disclosure to verify if the lender has any affiliated business relationships to disclose - or- lender attestation that there are no affiliated business relationships to disclose. - ABD executed by borrower XX/XX/XX received.<br>|  |
| 900001150 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Reserves required 2 months or $XX, 6 plus months actual reserves documented or $XX including cash out proceeds.; Verified employment history - The borrower has been with their current employer more than 8 years.; |  |  |  |  |
| 900001182 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 38.96% when guidelines allow up to 85%.; Verified housing payment history - 126 combined months of mortgage history paid 0x30 per credit report. ; |  |  | CRED 0093 Credit Documentation is Insufficient - Borrowers bank statement in file reflects multiple deposits for (3rd party) payments. No additional REO was reflected as owned by borrower or co-borrower on their 1003s. Unable to determine the source of the (3rd party) payments. Subject property is indicated to be owner occupied. - 09/18/2024 - Recd borrower signed letter of explanation addressing the deposits for temporary XX income being from a XX. Review confirms circumstances backing up borrower LOE. No indication in file that the borrower is not occupying the property.<br>|  |
| 900001183 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x82 which exceeds minimum required 0x30x24.; Verified credit history - 817 Credit score exceeds minimum required 680 per guidelines.; |  |  | DEED 0049 Mortgage/Deed of Trust is Incomplete - Missing Mortgage/Deed of Trust from the file, only the Mortgage Rider is available. - 08/30/24 - Copy of DOT received. <br>TRID 0148 LE or CD is Deficient - The final CD reflects a XX fee of $XX paid outside of closing, however the file only contains a XX fee of $XX (lower). - 09/11/24 - Copy of CD executed XX/XX/XX received with copy of final settlement statement reflecting credit to borrower for XX fee.<br>APRV 0001 Missing Underwriter Loan Approval - Missing lender approval, only the 1008 is in the file. - 08/20/24 - Lender loan approval received.<br>QCD 0001 Missing Copy of Quit Claim Deed - Missing executed Quit Claim Deed updating the borrower's name change. The copy in the file is not signed and notarized. Required by the title commitment Schedule B. - 08/30/24 - Copy of QCD received.<br>|  |
| 900001156 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 41.03% CLTV is below 85% maximum per guidelines.; Verified credit history - 767 Credit score exceeds minimum 680 per guidelines.; | TRID 0148 LE or CD is Deficient - Escrow section does not indicate why there was no escrow account. - EV2/B Non-Material |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender approval, only the 1008 is in the file. - 08/30/24 Lender loan approval received.<br>|  |
| 900001161 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 66.15% CLTV is less than 85% maximum per guidelines.; Verified employment history - Borrower has been on current job 34 plus years.; |  |  | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Estimated Property Costs over Year 1 Are Not Accurate. It appears the lender used HOA dues of $XX/month, however per the HOA statement shows they are $XX/month. Review calculated $XX monthly, 12 months $XX, 11 months $XX. $XX was disclosed.<br>- 8/29/2024 - Recd an updated 1008 qualifying the borrower with the greater HOA payment. CD disclosed 11 Months property costs using the documented HOA Fee from the VM report.<br>|  |
| 900001241 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Low DTI - 28.87% DTI is below 45% maximum per guidelines.; Verified credit history - 789 Credit score exceeds minimum 700 required per guidelines.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for the addition of XX fee for $XX. The COC does not disclose what the changed circumstance was that required this new fee, and no lender credit to offset. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on XX/XX/XX: XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check, and courier tracking receipt to evidence package is in transit to borrower within 60 days from discovery.<br>CRED 0004 Back-end Ratio exception (DTI) - Review DTI 28.87% / Approved DTI 25.46%, Variance > 3%. Difference due to review using the greater escrowed payment from first mortgage. - EV2/B Non-Material (Max 45%).<br>CRED 0044 Unacceptable transaction type - Guidelines require all signors on the senior lien to match the signors on the subject transaction. Co-borrower on the first lien, is not on the second lien. Approved exception in file. - EV2/B - Investor Acknowledged Exception. |  | PROP 0003 Missing Required Property Inspection - Missing post disaster inspection report. Subject is in a declared disaster area as of XX/XX/XX. - 10/17/2024 - Exception is cleared with the attached disaster inspection report confirming no damage.<br>|  |
| 900001173 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - No reserves required, borrowers are receiving $XX or 61.44 months reserves in cash out proceeds.; Verified credit history - FICO 794, minimum score required is 700.; Verified employment history - Both borrowers have 5+ years history with their current employment.; | TRID 0148 LE or CD is Deficient - The final CD reflects the hazard insurance is escrowed on the subject loan, however it appears the hazard insurance is already escrowed on the 1st mortgage. <br>- 9/5/2024 - Exception is downgraded to EV2/B with the attached PCCD and cover letter; escrow was removed and property costs over year 1 disclosed. US Mailbox Rule to be applied. |  | HAZ 0004 Hazard Insurance Coverage Amount is Insufficient - Hazard insurance coverage is $XX < replacement cost $XX. - Exception is cleared with the attached copy of the homeowners policy declarations evidencing coverage includes replacement cost coverage up to 150%.<br>APRV 0001 Missing Underwriter Loan Approval - Loan approval is not in file. Only the 1008 is provided. - 09/03/24 - Lender loan approval received.<br>|  |
| 900001204 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Established credit history - Open and active credit dates back 19 years with no reported lates.; Verified reserves - No reserves required, borrowers are receiving $XX or 40 plus months PITIA reserves in cash out proceeds.; |  |  | TRID 0008 Initial CD Received Date is < 3 business days prior to Consummation Date - Initial CD listed on the tracking is not in file. -- The Initial Closing Disclosure Received Date of XX/XX/XX is not three business days before the consummation date of XX/XX/XX. Three business days before the consummation date is XX/XX/XX. Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - 09/27/2024 - Recd initial CD. <br>|  |
| 900001205 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Both borrowers have been with their current employers for 10+ years.; Verified reserves - No reserves required, borrowers are receiving 17 plus months PITIA reserves in cash out proceeds.; Low DTI - DTI is 35%, borrowers qualify for up to 50%; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - PC CD dated XX/XX/XX received with LOE to borrower. CD reflects a lender credit of $XX however, the credit was not given to the borrower at the time of closing per the estimated settlement statement. Settlement statement reflects a credit of $XX. Missing copy of final settlement statement to verify of refund credit of $XX was applied at closing OR Copy of check to the borrower for the difference of $XX, with proof of trackable delivery. - Exception is downgraded to EV2/B with the attached copy of the canceled refund check of $XX.<br>TRID 0148 LE or CD is Deficient - Disclosed Escrow estimate is missing reason not escrow. - EV2/B Non-Material |  | TRID 0152 Fee Naming Convention is inconsistent and/or does not meet the Clear and Conspicuous standard (12 CFR 1026.38(h)(4)) - Payee missing from XX Fee on CD issued XX/XX/XX. - 09/04/24 - Final CD dated XX/XX/XX received. Payee was reflected (Dry Funding state).<br>DEED 0021 Missing Legal Description on Mortgage/DOT - Legal Description not attached to or contained within mortgage. Document states it is attached as Exhibit A, but no Exhibit A included in the file.<br>- 09/04/24 - Copy of recorded mortgage with Ex A attached received.<br>APRV 0001 Missing Underwriter Loan Approval - Missing lender approval, only the 1008 is in the file. - 09/04/24 - Lender loan approval received.<br>|  |
| 900001259 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have verified mortgage history of 0x30 for 45 months which exceeds minimum 24 months required by guidelines.; Verified credit history - 747 Credit score exceeds minimum 700 required per guidelines.; |  |  | APP 0004 Initial 1003 Application is Incomplete - Missing B2 initial app. B2 added after original application was submitted. - 11/01/2024 - Exception is cleared with the attached post-consummation signed initial 1003 for B2.<br>CRED 0098 Potential credit depth risk - Minimum Number of Tradelines is less than 3 - Missing credit report for Borrower 2; Credit report in file is only for Borrower 1. - 10/09/2024 - Exception is cleared with the attached joint credit report.<br>|  |
| 900001171 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - DTI 27.23%, borrowers qualify for up to 50%. ; Verified employment history - Both borrowers have been with their employers for more than 5 years.; Loan Term < or = 15 year - Loan term is 15 years.; |  |  |  |  |
| 900001230 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job 10 plus years.; Low DTI - 35.75% DTI is below 50% maximum per guidelines.; |  |  | DEED 0007 Missing PUD Rider - Missing PUD Rider. Per the title subject is a PUD. Evidence of HOA dues documented in file. - 9/19/2024 - Recd executed PUD rider with letter of intent to re-record.<br>|  |
| 900001147 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 136 combined months of mortgage payment history paid 0x30 per the credit report. Borrowers have history of REO properties owned with mortgage payments all paid 0x30 per credit report. ; Net tangible benefit - Borrower paid off $XX in consumer debt eliminating $XX in total monthly payments. ; Low LTV/CLTV/HCLTV - Low 30.48% CLTV when guidelines allow up to 85%; Verified employment history - Borrower has been employed with same employer for 23 years and Co-borrower with same employer for 5 years.; |  |  |  |  |
| 900001260 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned subject property 6 plus years.; Verified credit history - 775 Credit score exceeds minimum 700 required by guidelines.; | CRED 0082 Income Documentation is Insufficient - Missing documentation of current receipt of XX. XX documentation in file is from XXXX., Compensating Factors: - 11/05/2024 - Attached post-consummation dated COE and bank statement are accepted in support of XX in file that was stale-dated.Verified credit history<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material |  |  |  |
| 900001153 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 89 combined months of mortgage history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly consumer debt payments. ; Low LTV/CLTV/HCLTV - 57.68% CLTV when guidelines allow up to 85%. ; |  |  |  |  |
| 900001186 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 778 Credit score exceeds minimum 700 per guidelines.; Disposable Income - Borrower has $XX in verified XX income.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. Used 1008 for ratios. - 9/6/2024 - Exception is cleared with the attached copy of the conditional approval.<br>|  |
| 900001245 | XXXX | Funded | 2 | 1 | 2 | 2 |  |  |  | Verified ownership of subject property - The borrower has owned the subject property for plus 25 years.; Low LTV/CLTV/HCLTV - CLTV is 47.15%.; Verified reserves - No reserves required, borrowers have $XX or 15 months considering XX and cash out proceeds.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid COC for increase to XX fee. Final LE disclosed XX fee in the amount of $XX. PCCD disclosed XX fee in the amount of $XX no cure given. - 10/18/2024 - Exception downgraded to EV2/B with the attached PCCD, copy of refund $XX, cover letter, and courier tracking receipt to evidence delivery to borrower completed within 60 days from discovery.<br>APPR 0076 Appraisal Discrepancy - The Exterior Inspection reflects the property is in a PUD. No HOA dues are disclosed in the report. Per title, the subject is a single family residence with no indication of a PUD., Compensating Factors: - EV2 Non-Material- Title confirms the property is not a PUD.Verified ownership of subject property |  |  |  |
| 900001148 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 83 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in total monthly debt payments. ; |  |  |  |  |
| 900001168 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 28.26% CLTV is below maximum 80% per guidelines.; Verified liquid assets and/or savings history - Borrowers have verified monthly PITI reserves of 17 plus months, guidelines do not require reserves on this loan.; | TRID 0003 Corrected Closing Disclosure No Later Than 3 Business Days Before Consummation (Inaccurate APR)(Regular) - Prelim CD dated XX/XX/XX disclosed 20 year loan term and an APR of 9.938%. Final CD dated XX/XX/XX disclosed 30 year loan term with an APR of 9.717%. Variance is 0.221. - EV2 Non-Material, APR Decreased, benefit to borrower. |  | COMP 0010 Missing Affiliated Business Disclosure - Missing confirmation from lender if they have any affiliates. No ABD or FACTS disclosure located in file. - 09/05/24 - FACTS disclosure received confirming lender has no affiliates.<br>CRED 0006 Missing Employment doc (VVOE) - Missing required VVOE for Borrower 2 dated within 10 days of Note dated XX/XX/XX. - 09/06/24 - VVOE completed XX/XX/XX received.<br>NTB 0001 Missing Net-tangible Benefit worksheet - Missing copy of the state required Net-tangible Benefit worksheet. - 09/05/24 - Borrower executed NTB disclosure received.<br>RESPA 0029 Missing Homeownership Counseling Disclosure - Missing copy of the Housing Counselors Near You disclosure sent to the borrower XX/XX/XX per the disclosure tracking. - 09/05/24 - Homeownership Counseling Disclosure received.<br>|  |
| 900001154 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 167 combined months of mortgage payments paid 0x30 per credit report. Prior Second Lien Mortgage history reflects a history of 0x30 for 15 plus months. ; Verified reserves - 11 months reserves remain after closing when guidelines required 2 months.; Verified credit history - Representative score is 790 with all credit history reported on credit report paid 0x30. ; |  |  | RESPA 0029 Missing Homeownership Counseling Disclosure - Missing copy of the Housing Counselors Near You disclosure provided to borrower(s) on XX/XX/XX per the disclosure tracking. - 09/06/24 - Homeownership Counseling Disclosure received.<br>FRAUD 0001 Fraud report alerts have not been addressed - Missing evidence that High alert for License/Registration was cleared. - Updated fraud report dated XX/XX/XX received.<br>|  |
| 900001167 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 799 Credit score exceeds minimum 680 per guidelines.; Low DTI - 30.69% DTI is below 50% maximum per guidelines.; |  |  | CRED 0006 Missing Employment doc (VVOE) - Missing VVOE for Borrower 2 dated within 10 days of the Note dated XX/XX/XX. - 09/06/24 - VVOE for B2 received.<br>|  |
| 900001172 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 50 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly payments.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender Approval. 1008 is in file. - 9/6/2024 - Exception is cleared with the attached underwriting conditional approval.<br>|  |
| 900001199 | XXXX | Sold | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 130 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - Both borrowers have long term employment. B1 has been employed for 24 years+ and B2 has been employed for 28 years+. ; | PROP 0002 Property Type is prohibited - Subject property is XX. Per guidelines, XX property allowed with prior approval. Lender acknowledged exception approval in file. Additional requirements for XX property per guidelines also met. - Investor Acknowledged Exception |  | GIDE 0001 Guideline Exception(s) - Guideline XX income of $XX not met for DTI exceeding 45%. File DTI is 47.10%. 50% DTI allowed per guidelines with Full Doc (subject is full doc), max 80% CLTV (59.21% CLTV), minimum 720 Fico (Representative Fico score of 738) and $XX in XX income (actual is $XX). No noted Lender acknowledged exception located in file. - 10/03/24 - Income updated to include XX and XX that was not originally used to qualify. Final DTI 44.16%<br>|  |
| 900001202 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x40 which exceeds minimum 0x30x24.; Low DTI - 35.05% DTI is below 45% maximum per guidelines.; |  |  |  |  |
| 900001189 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - No reserves required, borrower is receiving 25 plus months PITIA or $XX in cash out proceeds.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material<br>TRID 0148 LE or CD is Deficient - Final CD dated XX/XX/XX is incomplete. Loan Disclosures, Escrow Account does not state the reason given for not having an escrow account. - EV2 Non-Material |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing lender loan approval. 1008 was not executed. - 09/13/24 - Lender loan approval received.<br>|  |
| 900001201 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified ownership of subject property - Borrowers have owned subject property 9 plus years.; Verified housing payment history - Borrowers have verified mortgage history of 0x30x48 which exceeds minimum required 0x30x24 required by guidelines.; |  |  |  |  |
| 900001416 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - No reserves required, borrower is receiving 28.55 months PITIA or $xxx in cash out proceeds.; Verified credit history - FICO 776, minimum required 680; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Recording Fee increased from $xxx to $xxx, $xxx more than tolerance allows. -- A Lender Credit for Excess Charges of ($xxx), Principal Reduction for Excess Charges of ($xxx), and general or specific lender credit increases of ($xxx) were applied to the total fee variance of ($xxx) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - 11/07/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, email correspondence, and evidence of principal reduction of $xxx completed within 60 days of discovery. <br>NOTE: Discovery Date xx/xx - Curative Period Expired xx/xx |  | APRV 0001 Missing Underwriter Loan Approval - Approval not in file. Unsigned 1008. - 10/03/2024 - Exception is cleared with the attached underwriting conditional approval.<br>APP 0004 Initial 1003 Application is Incomplete - Missing initial 1003 signed by the loan originator. Neither the initial nor the final 1003 are signed by the LO. - 10/21/2024 - Exception is cleared with the attached copy of the LO signed initial 1003.<br>CRED 0104 Missing Letter of Explanation - Missing letter of explanation addressing reduced hours on the following paystubs: <br>(date) 32 hrs,<br>(date) - 16 hrs<br>(date) - 27.63 hrs. <br>It is noted that the (date) Paystub reflects bereavement leave. Missing confirmation that the borrower will be returning to 40 hrs per wk. - 01/27/2025 - Exception is cleared with the attached post-consummation dated VOE confirming active employment status, pay rate $xxx hr, and YTD avg > qualifying income. Post-consummation dated paystub xx/xx confirms 40 hours worked with no additional bereavement and slight increase to personal time taken (stip xx/xx). Bereavement leave is temporary in nature. Seller included mortgage payment history to evidence remittance of the first three payments due to support ability to repay.<br>|  |
| 900001243 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 56 combined months of subject mortgage payment history paid 0x30 per credit report plus additional mortgage history paid 0x30 for 46 months reviewed per credit report. ; Verified employment history - Borrower has been employed with current employer for 23 years plus. ; |  |  | TITL 0014 Title Policy - Schedule B Exception - Proof the specified XX liens are cleared from title. - 10/21/2024 - Exception is cleared with the attached release of liens.<br>|  |
| 900001228 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 109 combined mortgage payment record paid 0x30 per credit report. ; Low LTV/CLTV/HCLTV - Low 47.35% CLTV when guidelines allow up to 85%. ; |  |  | APRV 0001 Missing Underwriter Loan Approval - Lender Approval is missing from file. Used 1008 for DTI. - 09/20/24 - Lender loan approval received.<br>|  |
| 900001229 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Established credit history - Open active credit dates back 10+ years with no reported default.; Verified housing payment history - 12 months 0x30 required, credit report reflects 138x0 for current and previous mortgages.; |  |  | APP 0004 Initial 1003 Application is Incomplete - Missing initial executed application for borrower 1. Only the application for borrower 2 when they were added to the loan is in the file. - 10/08/2024 - Exception is cleared with the attached B1 initial 1003.<br>|  |
| 900001232 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been with their current employer since XX/XX/XX.; Verified reserves - 2 months PITIA reserves or $XX required, borrower is receiving 20 plus months or $XX in cash out proceeds.; | COMP 0027 Zero Tolerance Fee Violation - Missing COC for the increase to the credit report fee from $XX to $XX on the CD dated CD XX/XX/XX. - 10/10/2024 - EV2 Immaterial issue due to post-closing cure. |  | CRED 0115 Missing Tax Payer Consent Notice / Acknowledgment - Missing legible copy of the executed Borrower Consent to the Use of Tax Return Information Disclosure. The copy in the file contains an illegible signature and date. Copy of the initial disclosure is not executed. - 10/08/2024 - Exception is cleared with the attached taxpayer consent form.<br>ROR 0005 Right of Rescission not hand dated by Borrower(s) - The signature and date on the Notice of Right To Cancel forms is illegible, unable to confirm the signature dates. - 10/08/2024 - Exception is cleared with the attached legible copies of the ROR forms.<br>APP 0002 Final 1003 Application is Incomplete - The borrower's signature and signature date on the final 1003 is illegible. - 10/08/2024 - Exception is cleared with the attached legible copy of the final 1003.<br>|  |
| 900001187 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 145 combined months of mortgage payments paid 0x30 per credit report. ; Verified employment history - B2 has been with current employer for 23+ years. ; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR on CD issued XX/XX/XX was 8.962. <br>APR on CD issued XX/XX/XX was 8.806. <br>Variance is more than tolerance allowed but is a decrease in the APR, -0.156. - EV2 Non-Material, APR Decreased, benefit to borrower.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for increase in XX Fee from $XX to $XX.-- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on XX/XX: XX Fee - Lender. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)) - 09/20/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check $XX, and courier tracking slip to evidence package is in transit scheduled to be delivered to borrower within 60 days of consummation. |  | GFE 0002 Missing Intent to Proceed Disclosure - Missing Intent to Proceed executed by B2. - 09/17/24 - Cleared Error. ITP was received from B1 on XX/XX/XX.<br>|  |
| 900001166 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Potential for increased earnings - Borrower 2 XX income was not included in qualifying due to type.; Verified credit history - 759 Credit score exceeds minimum 700 required per guidelines.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2 Non-Material |  | CRED 0089 Missing Required Fraud Tool - File does not contain a fraud report. File only has OFAC and loan participant check. - 09/13/24 - Fraud report received.<br>|  |
| 900001176 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 144 combined months of mortgage history paid 0x30 per credit report. ; Income verified was not used in qualifying - Borrower qualified on base salary. History established of earning XX and other XX averaging $XX monthly was not considered in qualifying. ; |  |  | CRED 0089 Missing Required Fraud Tool - Missing Fraud Report with all alerts addressed satisfactorily. - 09/13/24 - Fraud report received.<br>APPR 0043 Missing Appraiser License - Missing copy of Appraiser's license. - 09/17/24 - Copy of the appraiser's license received.<br>APRV 0001 Missing Underwriter Loan Approval - Missing Lender Loan approval. 1008 was utilized for Lender approval DTI. - 09/13/24 - Lender loan approval received.<br>|  |
| 900001180 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 62.21% CLTV is below 85% maximum per guidelines.; Low DTI - 35.63% DTI is below 45% maximum per guidelines.; |  |  |  |  |
| 900001203 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 71 combined months of mortgage payments paid 0x30 per credit report. ; Low DTI - Low 26.14% DTI when guidelines allow up to 45%. ; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing Lender Loan approval. 1008 in file was used for Lender DTI. - 10/01/2024 - Exception is cleared with the attached copy of the underwriting decision.<br>|  |
| 900001184 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 35.80% CLTV is below 85% maximum per guidelines.; Verified ownership of subject property - Borrowers have owned subject property for 10 years.; |  |  |  |  |
| 900001248 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have verified mortgage history of 0x30x45 which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 46.26% CLTV is below 85% maximum per guidelines.; |  |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - COC states XX Fee increased due to a change in scope of fee. Missing reason scope of fee changed. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on XX/XX/XX: XX, XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)) - 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund, and courier receipt to evidence delivery to borrower completed within 60 days from discovery.<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - COC does not give a reason for the increase in the XX Fees beyond the tolerance limit. -- The total amount of Closing Disclosure 10% Category fees ($425.00) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on XX/XX/XX, ($250.00). The total amount of fees in this category cannot exceed ($275.00) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). - 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund, and courier receipt to evidence delivery to borrower completed within 60 days from discovery.<br>CRED 0044 Unacceptable transaction type - Per guidelines, the borrowers on the subject loan must match the signers on the senior lien. Borrower X is not on the senior lien. <br>10/9/24 - Amended to 2nd Lien paid at closing - 10/17/2024 - "The guidelines state that the borrowers on the first note must be the same as the (subject 2nd) and is supported by the note. All borrowers are also on title, this conditions should be cleared."<br>--Agree. Attached copy of the 1st lien note confirms all borrowers on first lien are on second lien. Borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note (exceptions considered on a case-by case basis)<br>|  |
| 900001177 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 12x0x30 mortgage payment history required, open mortgages reflect 26x0x30 and closed mortgaeg 142x0x30.; Verified credit history - FICO 721, minimum required 680; |  |  | CRED 0007 Missing Employment doc (VOE) - Missing written VOE confirming the borrower has no ownership in company, noted on the 1008 and in response to Fraud Report finding. Employer correspondence in the file does not address ownership. - Exception is cleared with the attached letter from employer confirming no ownership. <br>TRID 0047 Document Intent to Proceed with the Transaction - Missing intent to proceed date. -- You did not submit an Intent to Proceed Date, which represents the date the consumer acknowledged their intent to proceed with the transaction described by the Loan Estimate. The creditor must document this communication to satisfy the requirements of 1026.25. Neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) - 09/16/24 - ITP received.<br>|  |
| 900001185 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 74.27% CLTV is below 85% maximum per guidelines.; Verified credit history - 792 Credit score exceeds minimum 680 required per guidelines.; | CRED 0044 Unacceptable transaction type - Guidelines require borrowers on senior lien match borrowers on subject loan. Lender approved exception in file. New vested owner added. - EV2/B Investor Acknowledged Exception |  | TRID 0120 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the last disclosed Closing Disclosure. - Missing COC for decrease in General Credit from $XX to $XX on CD issued XX/XX/XX. -- The sum of non-specific (lump sum) lender credits and specific lender credits disclosed on the last Closing Disclosure ($XX) has decreased below the amount disclosed on the Loan Estimate sent on 8/2, ($XX). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - 09/18/2024 - The lock confirmation dated XX/XX/XX added a 5-day lock extension for a price hit of 0.175% reflecting the new pricing of a lender credit of 0.2450% = $XX. The new lender credit was disclosed on the Final CD dated XX/XX/XX with a valid COC. Pricing sheet in file confirms extension exception reducing the credit to $XX.<br>|  |
| 900001215 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 25.88% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $XX in XX income.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. 1008 used for ratios. - 09/18/2024 - Recd conditional loan approval.<br>|  |
| 900001217 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 39.21% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $XX in verified XX income.; |  |  | PROP 0003 Missing Required Property Inspection - Missing required property inspection report as required per guidelines to determine if property has any damage. - 10/04/24 - Cleared, error. Subject property is not located in an area designated as XX.<br>|  |
| 900001343 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x41 which exceeds minimum required 0x30x24.; Low DTI - 39.64% DTI is below 45% maximum per guidelines.; |  |  | DEED 0007 Missing PUD Rider - Per title and the Deed of Trust for the 1st mortgage the subject is in a PUD. No PUD Rider attached to the Deed of Trust. - 12/12/2024 - Recd PUD Rider with letter of intent to record.<br>CRED 0113 Missing evidence of HOA Dues - Per title and the Deed of Trust for the 1st mortgage the subject is in a PUD. Missing evidence of HOA dues. - 11/05/2024 - Exception is cleared with the attached HOA payment confirmation. Borrower confirms paid annually.<br>|  |
| 900001181 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have 0x30x46 verified mortgage history which exceeds minimum 0x30x24 required per guidelines.; Disposable Income - Borrowers have XX income of $XX.; |  |  |  |  |
| 900001246 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 2 months reserves, or $XX, required. Cash out proceeds $XX.; Verified credit history - FICO 799, minimum required 700; Verified housing payment history - 12 months mortgage history required, current 1st mortgage has been reviewed 82x0x30.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - No reason given for the increase from $XX to $XX. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on XX/XX/XX: XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 10/18/2024 - Exception is downgraded to EV2/B with the attached PCCD, copy of refund, cover letter, and courier tracking receipt to evidence delivery to borrower completed within 60 days from discovery. |  |  |  |
| 900001235 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - 792 Credit score exceeds minimum 680 required per guidelines.; Low LTV/CLTV/HCLTV - 65.42% CLTV is below 85% maximum per guidelines.; | TRID 0171 Missing valid Change of Circumstance(s) - Missing COC for LE issued XX/XX/XX. No changes from prior LE. - EV2 Non-Material - No fee violations<br>CRED 0044 Unacceptable transaction type - Guidelines require the borrowers on the senior lien match the borrowers on subject transaction. Per mortgage statement, Borrower 2 is not a borrower on the senior lien. No exception located in the file. - EV2 Investor Acknowledged Exception.<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD XX/XX/XX APR 8.356%<br>CD XX/XX/XX APR 8.191%<br>Reduction .165% - EV2 Non-Material - APR Decreased, benefit to borrower. |  |  |  |
| 900001190 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job 8 plus years.; Disposable Income - Borrower has verified monthly XX income of $XX.; |  |  |  |  |
| 900001179 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 31.92% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $XX in verified monthly XX income.; |  |  |  |  |
| 900001188 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 35.95% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has verified monthly XX income of $XX.; |  |  |  |  |
| 900001280 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - No reserves required, $xxx or 18.21 months PITIA reserves in cash out proceeds.; Verified housing payment history - 12 months housing payment history required, credit report reflects 248 months of mortgage history.; Established credit history - Open, active credit dates back to xxxx with no reported default.; | COMP 0045 ALTA Stmt and Closing Disclosure conflict - Payoff amounts on the final CD does not match the final settlement statement. The CD reflects payoff total of $xxx, however the itemized payoff addendum totals only $xxx. ALTA settlement statement payoff totals $xxx. The variance is due to the (loas) CD Itemized payoff addendum reflects the amount per the loan statements, while the ALTA reflects the payoff of the balance from the credit report.<br>- 11/14/2024 - Exception is downgraded to EV2/B with the attached copy of email correspondence with letter to borrower addressing the reason for re-disclosure. PCCD previously presented (xx/xx). US Mailbox Rule applied. |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing SSN Validation used to clear the fraud report alert. - 11/06/2024 - SS verification uploaded as trailing doc.<br>|  |
| 900001200 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 33.73% CLTV is below 80% maximum per guidelines.; Verified occupancy in subject property - Borrower has lived in subject property 26 plus years.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD XX/XX/XX APR 11.265%<br>CD XX/XX/XX APR 11.121%<br>Reduction .144%<br>- EV2/B Non-Materia, Decrease is a benefit to borrower. |  | COND 0010 Missing Lender Project Condo Classification - Missing HOA Questionnaire with lender designation of warrantable or non-warrantable. - 9/26/2024 - Full appraisal received and reflects # of units is X, project review not required.<br>APPR 0044 HPML Appraisal Requirements are Not Met - Missing required appraisal that complies with USPAP and FIRREA as required for HPML loans. Only a VM provided in file. Refer to APPR 0054 - Collateral Underwriter indicates an appraisal was completed.<br>- 09/20/24 - Full appraisal dated XX/XX/XX received reflecting value of $XX.<br>RESPA 0030 Homeownership Counseling Disclosure does not contain minimum required 10 counselors - Missing a copy of the Homeownership Counseling Disclosure to confirm 10 agencies were disclosed to borrower. - 09/20/24 - Homeownership Counseling Disclosure received.<br>PROP 0003 Missing Required Property Inspection - Missing required property inspection report. Only VM provided. - 09/20/24 - Full appraisal dated XX/XX/XX received reflecting value of $XX. (CU was submitted with a different value than the 1st appraised value)<br>APPR 0054 Collateral Underwriter was submitted with a with a different value than the 1st appraised value - No appraisal in file. CU reflects appraisal completed on XX/XX/XX with an appraisal value of $XX. Invoice in file. - 09/20/24 - Full appraisal dated XX/XX/XX received reflecting value of $XX.<br>CRED 0113 Missing evidence of HOA Dues - Missing verification of HOA liability. - 09/20/24 - Full appraisal dated XX/XX/XX received. Per appraisal there is no HOA, No HOA fees, self managed.<br>|  |
| 900001210 | XXXX | Sold | 2 | 2 | 1 | 1 |  |  |  | Low DTI - 38.59% DTI is below 45% maximum per guidelines.; Disposable Income - Borrowers have $XX in verified XX income.; | CRED 0072 VVOE dated outside of required timeframe - VVOE dated XX/XX/XX for Borrower X is not within 10 days of note dated XX/XX/XX., Compensating Factors: - EV2 - Lender re-verification of employment completed post-consummation. VVOE dated XX/XX/XX confirms borrower is still currently employed w/more than 20 yrs with current employment.Low DTI |  |  |  |
| 900001213 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 2 months reserves, or $XX required. 7 plus months or $XX reserves documented.; Verified ownership of subject property - The borrower has owned the subject property for 9 plus years.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD XX/XX/XX APR 10.015%<br>CD XX/XX/XX APR 9.491%<br>CD XX/XX/XX APR 9.273% <br>Reduction 0.218% - EV2 Non-Material- APR Decreased, benefit to borrower. |  | CRED 0089 Missing Required Fraud Tool - Appraiser XX not submitted in participant watchlist search section of fraud report. Additionally the appraisal was entered as VM only. - 09/20/24 - Updated Fraud Report with appraisal company and appraiser received.<br>CRED 0099 Insufficient verified liquid reserves - Total reserves required 2 mths, total verified 0.68 from cash out proceeds. File contains XX account statement, but the entire account number blacked out so it was excluded by review. - 09/25/24 - Complete statement received. Total reserves verified 8 plus mths.<br>|  |
| 900001417 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 12x0x30 required, 1st mortgage has 32x0x30 history.; Verified reserves - Reserves needed to cover $xxx Amex balance only, between assets in the file and cash out proceeds the borrowers have $xxx or 17.67 months reserves. $xxx and 14.87 months after subtracting Amex balance.; | CRED 0138 Missing CPA Letter - Missing CPA letter or alternative documentation confirming the borrower's percentage of ownership. SOS and Articles of Incorporation do not confirm this information. - Investor Acknowledged Exception- Investor accepts LexisNexis report as an exception.<br>CRED 0072 VVOE dated outside of required timeframe - 1) Missing verification of self employment for borrower 1 completed within 30 calendar days of the Note date xx/xx/xx. Secretary of State printout is dated xx/xx/xx, 32 days prior to the Note date.<br>2) Missing verification of employment for borrower 2 completed within 10 business days of the Note date xx/xx/xx. The only VOE in the file is the Work Number Verification of Employment dated xx/xx/xx, 19 business days prior to the Note date., Compensating Factors: Verified housing payment history |  | TITL 0014 Title Policy - Schedule B Exception - Missing evidence of PUD. Subject located in a gated community with a $xxx per month HOA (HOA page xxx, Gated community photo on page xxx). - 11/14/2024 - Exception is cleared with the attached title policy that contains Alta Endorsement 5.1-06 (PUD-Current Assessments).<br>DEED 0007 Missing PUD Rider - Missing evidence of PUD rider. Subject located in a gated community with a $xxx per month HOA (HOA page xx, Gated community photo on page xxx). Online search reflects the Deed of Trust on the first mortgage includes a PUD Rider. DOT does not indicate a PUD Rider was attached. - 10/18/2024 - Exception is cleared with the attached PUD Rider with letter of intent to re-record.<br>|  |
| 900001261 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 2 months reserves or $XX required, 6 plus months or $XX received in cash out proceeds.; Verified housing payment history - 12x0x30 required, first mortgage reflects 27x0x30. 72 months reviewed in closed mortgages with no reported default.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 immaterial issue |  | APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. Unsigned 1008 included. - 10/01/2024 - Exception is cleared with the attached underwriting conditional approval.<br>APPR 0046 Missing Third Party Appraisal Review - Missing copy of XX. File contains evidence of a XX was delivered to borrower XX/XX/XX. - 10/29/2024 - Exception is cleared with the attached XX.<br>|  |
| 900001233 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 37.06% DTI is below 50% maximum per guidelines.; Verified housing payment history - Borrowers have a verified mortgage history of 0x30x41.; |  |  |  |  |
| 900001249 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 32.75% DTI is below 45% maximum per guidelines.; Verified credit history - 766 Credit score exceeds minimum 680 per guidelines.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for increase to the XX fee. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on (date): XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 10/03/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, copy of refund check in the amount of $XX, and courier receipt to evidence delivery to borrower completed within 60 days from discovery. |  | DEED 0012 Missing Condo Rider - Condo rider not in file. - 09/26/24 - Executed Condo Rider received.<br>APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. Used 1008 for ratios. - 09/26/24 - Lender Commitment Letter to borrower received.<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD XX/XX/XX APR 8.25%<br>CD XX/XX/XX APR 8.617%<br>CD XX/XX/XX APR 8.616%<br>CD XX/XX/XX APR 8.616%<br>Increase 0.367 > 0.125 - 09/26/24 - Cleared, error. The closing disclosure issued XX/XX/XX with APR of 8.617 was signed by the borrower on XX/XX/XX, loan closed XX/XX/XX.<br>TRID 0044 Intent To Proceed Date < Loan Estimate Presumed Received Date - Missing LE disclosure tracking. LE in file has the received dated obscured unable to determine date borrower received prior to the ITP. - 09/26/24 - Disclosure tracking received confirming receipt of the initial LE XX/XX/XX.<br>CRED 0091 Missing Tax Transcript(s) - Missing tax transcripts for most recent two years. - 10/23/2024 - Exception is cleared with the attached most recent two years transcripts. Borrower is paid by multiple employers. Breakdown of pay provided in file matches to the transcripts. <br>|  |
| 900001236 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been on current job 25 plus years.; Verified ownership of subject property - Borrower has owned subject property 5 plus years.; | TRID 0171 Missing valid Change of Circumstance(s) - Missing COC for LE issued XX/XX/XX. Loan amount decreased. - EV2 - Immaterial issue, no fee violations.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - The final CD reflects $XX estimated property costs over Year 1. Unable to determine the source of this figure. Based on documentation in the file, costs are $XX. 10 months $XX, 11 months $XX. - 10/08/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, and disclosure tracking to evidence the package has been sent within 60 days of consummation. <br>TRID 0148 LE or CD is Deficient - The final CD reflects estimated costs total $XX/month. Based on the documentation in the file, the monthly costs total $XX. The first page of the CD reflects XX is escrowed, however, the fourth page of the CD reflects there is no escrow account (1st mortgage is escrowed). - 10/08/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, and disclosure tracking to evidence the package has been sent within 60 days of consummation. |  | PROP 0003 Missing Required Property Inspection - Missing post disaster inspection report. Subject is located in a declared disaster area as of XX/XX/XX. - 10/07/2024 - Recd PDI; No damage noted, Free and clear of disaster related damage. The disaster has no effect or impact on the subject's value and marketability.<br>|  |
| 900001218 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified ownership of subject property - Borrowers have owned subject property for 6 years.; Verified employment history - Borrower 2 has been on job 7 plus years; Borrower 1 has been on job for 5 plus years.; |  |  |  |  |
| 900001242 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified reserves - Borrower has 16 plus months reserves which exceeds minimum 2 months required per guidelines.; Disposable Income - Borrower has $XX in verified XX income.; | COND 0002 Condo Documentation is Insufficient - Missing required (agency) form 1076 or equivalent project questionnaire. File has copy of project approval but not the completed condo questionnaire as required by guidelines. <br>- EV2/B - Investor acknowledged exception.<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 - immaterial issue |  | APPR 0076 Appraisal Discrepancy - Master policy and project approval name does not match the appraisal. This discrepancy has not been addressed. No project documentation in the file (see COND 0002) to verify these are one and the same. - 10/22/2024 - Exception is cleared with the updated appraisal report; project name updated.<br>TRST 0003 Trust Agreement is Incomplete - Trust agreement is not notarized, verified as required per the trust review. - 10/01/2024 - Exception is cleared with the attached copy of the notarized certification of trust.<br>|  |
| 900001318 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 167 combined months of mortgage payment history paid 0x30 per credit report. ; Verified employment history - Borrower has xxx years employment with the same employer.; Verified credit history - Representative credit score of 784 when guidelines require a minimum of 700 for 85% CLTV. All credit history paid 0x30 per credit report. ; Low DTI - 28.12% calculated DTI when guidelines allow up to 45%.; |  |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing SSN verification used to address the fraud alert related to SSN discrepancy and date of birth. - 11/01/2024 - Recd SS verification, result is a match.<br>FLOOD 0004 Flood Insurance Amount is Insufficient - Missing insurer's replacement cost estimate. Flood coverage in the amount of $xxx is not sufficient. Per FNMA Selling guide, flood coverage must be equal to the lesser of:<br>-100% of the replacement cost value of the improvements, no replacement cost estimator<br>- the maximum coverage amount available from NFIP, which is $xxx<br>- the unpaid principal balance (UPB) subject $xxx + 1st mortgage $xxx = $xxx. - 12/23/2024 - Recd revised flood policy with coverage of $xxx, sufficient to cover first and second mortgage.<br>TITL 0013 Title Policy - Schedule A Exception - Missing title commitment/final title policy with Insured amount of $xxx. Commitment in file reflects proposed policy of $xxx. - 11/01/2024 - Exception is cleared with the attached corrected title commitment reflecting policy amount of $xxx.<br>|  |
| 900001267 | XXXX | Funded | 2 | 1 | 2 | 2 |  |  |  | Verified employment history - The borrower has been with their current employer for 10+ years.; Verified reserves - No reserves required, borrower has 5 plus months reserves or $XX in XX and is receiving an additional 29 plus months or $XX in cash out proceeds.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material<br>FEMA 0001 Property Inspection Date is prior to disaster declaration begin date - Missing post-disaster property inspection. Subject is located in a FEMA declared disaster area. - EV2/B - Investor acknowledged exception, no apparent damage cited.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Variance $XX. HOA per appraisal is $XX annually / $XX monthly. 1008 has $XX. - 10/24/2024 - Exception is downgraded to EV2/B with the attached cover letter for PCCD with evidence of email to borrower. PCCD previously received XX/XX/XX. |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing final approval. Approval in the file reflects interest rate X.XX%, appraised value $XX. The actual Note rate is X.XX% and appraised value is $XX. - 10/24/2024 - Exception is cleared with the attached updated loan approval.<br>HAZ 0004 Hazard Insurance Coverage Amount is Insufficient - Hazard insurance coverage reflects dwelling protection of $XX. The replacement cost estimator reflects estimated reconstruction cost $XX. Missing evidence of replacement cost coverage. - 11/01/2024 - Recd policy declarations confirming replacement cost is $XX, which is the amount of dwelling coverage.<br>|  |
| 900001264 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 40.26% DTI is below 50% maximum per guidelines.; Verified credit history - 809 Credit score exceeds minimum 680 required per guidelines.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing a valid COC or general credit for the addition of the second XX Fee and an increase to the XX Fee. - 11/07/2024 - Exception is downgraded to EV2/B with the attached PCCD, restitution check, cover letter, and courier tracking receipt to evidence delivery to borrower was completed within 60 days from discovery. |  |  |  |
| 900001209 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 35.80% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has verified monthly disposable income of $XX.; | TRID 0148 LE or CD is Deficient - Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>- EV2 - Non-Material issue<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 - Immaterial issue |  | APRV 0003 Missing Loan Approval Date - Loan approval not in file, only the unsigned 1008. - 9/26/2024 - Lender approval recd<br>CRED 0089 Missing Required Fraud Tool - Missing fraud tool with all items addressed. No fraud tool in the file. - 9/26/2024 - Fraud report recd, all findings sufficiently addressed<br>|  |
| 900001216 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Established credit history - Open active credit dates back to XX with no reported default.; Verified reserves - No reserves required, $XX or 22 plus months PITIA reserves received from cash out proceeds.; |  |  |  |  |
| 900001221 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - No reserves required, borrower is receiving 26 plus months PITIA reserves or $XX in cash out proceeds.; Verified credit history - FICO 754, minimum required 680.; | TRID 0148 LE or CD is Deficient - Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>- EV2 Non-Material |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval. - 9/26/2024 - Lender Approval recd<br>TITL 0014 Title Policy - Schedule B Exception - Missing final title policy to verify certain Schedule B exceptions were cleared. - 09/26/24 - Error, finding cleared.<br>|  |
| 900001208 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 39.90% DTI is below 45% maximum per guidelines.; Low LTV/CLTV/HCLTV - 43.58% CLTV is below 85% maximum per guidelines.; |  |  | COND 0010 Missing Lender Project Condo Classification - Missing project condo questionnaire as required per guidelines. - 10/01/2024 - Exception is cleared with the attached HOA Questionnaire.<br>|  |
| 900001219 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have 0x30x41 mortgage history which exceeds minimum required 0x30x24.; Disposable Income - Borrowers have verified XX income of $XX.; |  |  |  |  |
| 900001220 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 78 combined months of mortgage payment history paid 0x30 per credit report.; Verified employment history - Co-borrower has been employed with same employer for 10 years.; | TRID 0171 Missing valid Change of Circumstance(s) - Missing COC for LE issued XX/XX/XX. Appraised value decreased, rate increased. No fee violation due to this LE. - EV2 Non-Material no fee violations.<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal in file does not disclose the Certification that the Appraisal was completed with the Uniform Standards of Professional Appraisal Practice (USPAP) and/or Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) and its implementing regulations - EV2 Non-Material |  |  |  |
| 900001222 | XXXX | Sold | 2 | 2 | 2 | 1 |  |  |  | Verified reserves - No reserves required, borrower is receiving 9 plus months PITIA reserves or $XX in cash out proceeds.; | TRID 0148 LE or CD is Deficient - Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>- EV2 Non-Material<br>CRED 0003 Credit Score (FICO) exception - The borrower's mid fico of 670 does not meet the minimum requirement of 680 per guideline. - Investor Acknowledged Exception |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Missing Legal Description on Mortgage/DOT. Document states it is attached as Exhibit A but no exhibit A included. - 9/26/2024 - Recd DOT with Legal Description included<br>APRV 0003 Missing Loan Approval Date - Missing lender approval, only the unsigned 1008 is in the file. - 9/26/2024 - Lender approval received<br>|  |
| 900001262 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Low LTV/CLTV/HCLTV - 57.05% DTI is below 75% maximum per guidelines.; Disposable Income - Borrowers have $XX in verified monthly XX income.; | AVM 0002 Post Closing AVM Review Variance is not within tolerance - VM has a confidence of 80 which is below required minimum of 87. Additional XX required. - 11/04/2024 - Investor acknowledged exception. Post-closing VM < 10% variance from the original value. LTV increased to 57.05% (Max 75%). |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval. - 10/25/2024 - Exception is cleared with the attached underwriting conditional approval.<br>|  |
| 900001206 | XXXX | Sold | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 46.92% CLTV is below 85% maximum per guidelines.; Verified credit history - 743 Credit score exceeds minimum 680 required per guidelines.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD XX/XX/XX APR 9.858%<br>CD XX/XX/XX APR 9.858%<br>CD XX/XX/XX executed XX/XX/XX APR 9.721%<br>reduction 0.137%. - EV2 Non-Material- APR Decreased, benefit to borrower. |  | RESPA 0029 Missing Homeownership Counseling Disclosure - Homeowner homeownership counseling disclosure not in file. Esign shows sent on XX/XX/XX. - 9/26/2024 - Housing Counseling disclosure recd<br>NTB 0001 Missing Net-tangible Benefit worksheet - Missing Net-tangible Benefit worksheet. - 9/26/2024 - Net Tangible Benefit disclosure recd<br>|  |
| 900001207 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job 30 plus years, Borrower 2 has been on current job 11 plus years.; Verified housing payment history - Borrowers have verified mortgage history of 0x30x95.; |  |  |  |  |
| 900001279 | XXXX | Funded | 2 | 2 | 1 | 2 |  |  |  | Verified employment history - Borrower has been employed with same employer for xxx years.; Verified credit history - Representative credit score is 784 when guideline requires 700. ; Verified housing payment history - 134 combined months of mortgage payment history paid 0x30 per credit report for both borrower's primary residence and additional investment property owned. ; | APPR 0002 Appraisal is Incomplete - Missing full appraisal. Per the property condition report the subject is rural. This requires a full appraisal with marketing time of 6 months or less and at least two comparable sales within 3 miles. See also PROP 0002. - 11/18/2024 - Investor Acknowledged Exception.<br>PROP 0002 Property Type is prohibited - Per the property condition report the subject is rural. Per guideline prior approval is required for rural properties. See also APPR 0002.<br>- 11/18/2024 - Investor Acknowledged Exception. |  | TITL 0014 Title Policy - Schedule B Exception - The title commitment reflects proposed insured amount of $xxx, loan amount $xxx. Survey and Mechanics lien exceptions appear on schedule B. Missing final title policy to verify the correct insured amount and no survey or mechanics liens appear.<br>- 11/14/2024 - Recd final title insured for the loan amount; includes Alta 8.1, Alta 9-06, CO Form 110.1 Deletion of Exception(s) 1 thru 5, and Alta 5.1-06.<br>APRV 0003 Missing Loan Approval Date - Missing Lender Loan approval. Only the unsigned 1008 in file. - 10/01/2024 - Recd underwriter decision.<br>CRED 0082 Income Documentation is Insufficient - Confirm association between (borrower's employer) and (company) who is reflected as employer on (3rd party VOI) (p. 165). No evidence of association with (company) was located in file. - 10/28/2024 - Exception is cleared with the attached internet search confirming company name on the 3rd party VOI is a payroll company. 3rd party VOI company address matches the income documentation in file. Direct WVOE from employer provided in file is supported by paystub and W2.<br>CRED 0087 Tax Returns/Transcripts are Insufficient - The borrower is using rental income (non-subject reo), missing (most recent year) tax return to calculate rental income or evidence of extension to justify using the lease instead of tax return. Per the borrower LOE they moved into the subject (date), since this property was a rental for the entire prior year the tax return should be used. - 11/07/2024 - Recd most recent year tax return.<br>|  |
| 900001214 | XXXX | Sold | 2 | 2 | 1 | 1 |  |  |  | Low DTI - 34.07% DTI is below 50% maximum per guidelines.<br>; Disposable Income - Borrower has verified XX income of $XX.; | PROP 0002 Property Type is prohibited - Per guideline, XX property requires prior approval and is subject to 10% LTV reduction. - Investor acknowledged exception. |  |  |  |
| 900001224 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 has been employed with current employer 4+ years and B2 employed with same employer for 9+ years. ; Verified housing payment history - 73 combined months of mortgage payment history paid 0x30 per credit report. ; Net tangible benefit - Borrowers paid off $XX in consumer debt eliminating $XX in monthly payments. ; Verified credit history - 758 representative credit score when guidelines require a minimum of 700. ; |  |  | TRID 0130 Missing Intent to Proceed - Missing the Intent to proceed. ITP in file is not executed by the borrowers. Electronic Tracking does not include proof of signing. - 09/30/2024 - Exception is cleared with the attached borrower electronically signed ITP form.<br>|  |
| 900001258 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 26.21% DTI is below 50% maximum per guidelines.; Verified reserves - Borrowers have 13 plus months verified reserves when guidelines do not require reserves.; | TRID 0148 LE or CD is Deficient - The final CD first page reflects XX costs checked as escrowed and CD page 4 reflects the borrowers will have an escrow account. Subject loan is not escrowed. - 10/11/2024 - Exception is downgraded to EV2/B with the attached PCCD, Cover Letter, and Courier Tracking Receipt to evidence cure package is in transit to borrower within 60 days from discovery.<br>TRID 0166 Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) - NEW 10/11/24 - RECD PCCD (TRID 0206): Missing detail as to how the disclosed credit $XX was to be applied. -- Disclosed Total of Payments of $XX on CD issued at closing is $XX less than the corrected Total of Payments of $XX disclosed on PCCD. This exceeds the $35 threshold for rescindable transactions. Requires LOE, PCCD, refund, re-opening of rescission period and evidence of receipt by borrower. - 11/07/2024 - Exception re-reviewed. Presentment on XX/XX/XX included 2 courier tracking slips, tracking #XX reflects delivered. Exception is downgraded to EV2/B with cure package presented XX/XX/XX.<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Initial CD APR 8.884%<br>Final CD APR 8.622% - EV2 - Non-Material issue, APR decreased, benefit to borrower |  | DMND 0003 Missing Payoff/Demand Statement - Missing borrower executed authorization to pay and close 2nd lien account. - 10/22/2024 - Exception is cleared with the attached copy of the final title policy; 2nd lien paid at closing is no longer reflected on Schedule B.<br>TRID 0047 Document Intent to Proceed with the Transaction - Missing executed Intent to Proceed. - 10/07/2024 - Exception is cleared with the attached Intent to Proceed.<br>RESPA 0029 Missing Homeownership Counseling Disclosure - Missing copy of the initial Homeownership Counseling Disclosure. - 10/08/2024 - Exception is cleared with the attached Homeownership Counseling disclosure with 10 agencies disclosed.<br>|  |
| 900001244 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 58.13% CLTV is below 85% maximum per guidelines.; Low DTI - 37.04% DTI is below 50% maximum per guidelines.; |  |  | RESPA 0029 Missing Homeownership Counseling Disclosure - Homeownership Counseling Disclosure not in the file. Initial Disclosure tracking reflects it was sent but copy was not provided, unable to confirm 10 agencies were disclosed. - 10/24/24 - Homeownership Counseling Disclosure dated XX/XX/XX received.<br>APRV 0003 Missing Loan Approval Date - Missing lender approval, only the unsigned 1008 is in the file. - 10/09/2024 - Exception is cleared with the attached underwriting decision.<br>|  |
| 900001281 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have a verified housing payment history of 0x30x47 which exceeds the minimum required 0x30x24.; Verified credit history - Borrowers have a credit score of 741 which exceeds the minimum required 700 per guidelines.; |  |  | APRV 0003 Missing Loan Approval Date - Missing lender approval, only the unsigned 1008 is in the file. - 10/04/2024 - Exception is cleared with the attached underwriting decision. <br>CRED 0004 Back-end Ratio exception (DTI) - 61.89% DTI exceeds maximum 45% per guidelines. Variance due to lender using total net deposits as income for Borrower 1 instead of reducing the income by the expense factor percentage, see lender calculation. - 11/15/2024 - Recd updated income calc, 1008, and 1003; B2 income removed and B1 income re-calculated resulting in a new DTI 40.35%. Update to the 1003 is not considered material requiring borrower acknowledgement since the income/employment was verified and not used and DTI < Max. NOTE: Updated income/DTI included remote deposits and applied the 50% expense factor. It is typical for businesses to process deposits via remote deposit. LOX addressing large deposits confirm source as business deposits (Presentment xx/xx).<br>CRED 0006 Missing Employment doc (VVOE) - Missing verification of self-employment for both borrowers confirming a minimum 2 years in business and percentage owned.<br>B1 RJ Jersey LLC<br>B2 Liberty Pet Grooming LLC - 10/10/2024 - Recd EIN letters confirming sole membership for both businesses, and SOS searches confirming both businesses were incorporated in (year).<br>|  |
| 900001234 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 744 Borrower credit score exceeds minimum 720 per guidelines.; Low LTV/CLTV/HCLTV - 54.44% CLTV is below 80% maximum per guidelines.; | CRED 0084 Income Calculation Discrepancy - Review DTI 46.39% / Approved DTI 38.90% (45% Max), variance > 3%. Borrower is obligated to pay XX on (obligation), thus review included full $XX. Lender qualified the borrower using 50% of the expense on XX since the XX indicates 50% ownership in XX., Compensating Factors: - EV2/B Non-Material - Borrower meets requirements to allow DTI up to 50%.Verified credit history |  |  |  |
| 900001211 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 90 combined months of mortgage payment history paid 0x30 per credit report. ; Verified employment history - Borrower has been employed with same employer for 16 plus years. ; Low LTV/CLTV/HCLTV - 66.91% CLTV < 75% Max Allowed; |  |  |  |  |
| 900001250 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Borrower has a housing history of 0x30x35 which exceeds minimum 0x30x24.; Low LTV/CLTV/HCLTV - 68.99% CLTV is below maximum 85% maximum per guidelines.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2/B Non-Material |  | CRED 0091 Missing Tax Transcript(s) - Missing XX Transcripts for the year(s) of XXXX - XXXX. - 10/24/24 - Missing XX Transcripts received.<br>|  |
| 900001225 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 29 months of mortgage history paid 0x30 per credit report. ; Low LTV/CLTV/HCLTV - Low 67.87% CLTV when guideline allows up to 85%.; Verified employment history - Borrower consistent employment for 8+ years. ; |  |  |  |  |
| 900001231 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 23.48% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $XX in XX income.; |  |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval. - 10/08/2024 - Exception is cleared with the Underwriting Decision. <br>|  |
| 900001212 | XXXX | Sold | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 56.13% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrower has mortgage payment history of 0x30x37 which exceeds minimum 0x30x24 required per guidelines.; |  |  |  |  |
| 900001223 | XXXX | Sold | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have verified housing payment history of 0x30x41 which exceeds minimum 0x30x24.; Verified employment history - Borrower 1 has been on current job 5 plus years, Borrower 2 has been on current job 19 plus years.; | PROP 0002 Property Type is prohibited - XX property requires prior approval. - EV2 Lender Acknowledged Exception. |  |  |  |
| 900001278 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Verified employment history - Borrower has been on current job 23 plus years.; Verified housing payment history - Borrower has mortgage payment history of 0X30X50 which exceeds minimum 0x30x24.; | PROP 0003 Missing Required Property Inspection - Missing post-disaster property inspection; subject is located in a declared disaster area. - EV2/B - Investor acknowledged exception, no apparent damage cited. |  |  |  |
| 900001269 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Low DTI - 37.09% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower has been on current job 16 plus years.; | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing final settlement statement and/or final CD to verify the loan disbursement date (Dry funding state). Final CD disbursement date is same date as ROR expiration date. - 11/07/2024 - Recd cover letter addressed to borrower regarding PCCD. Exception is downgraded to EV2/B with the attached, borrower endorsed restitution check (Refer XX/XX), and PCCD (Refer XX/XX).<br>APRV 0010 Underwriting Loan Approval is Deficient - Approved DTI 42.76% / Review DTI 37.09%, variance > 3%. Qualifying DTI double counted XX escrowed with 1st lien. - EV2/B Non-Material, Qualifying DTI is greater than review DTI (45% Max Allowed). |  | APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. 1008 used for ratios. - 10/09/2024 - Exception is cleared with the attached underwriting decision.<br>|  |
| 900001265 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - The borrower has been with their current employer 30 years.; Established credit history - Open active credit dates back 17 plus years with no reported default.; |  |  | TRID 0159 Missing LE due to Rate Lock - Missing LE reflecting rate lock. COC XX/XX/XX states rate locked. Initial LE issued the same date is not locked. - 11/05/2024 - Exception is cleared with the attached interim LE.<br>|  |
| 900001238 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has 30 plus years on current job.; Verified credit history - 806 Credit score exceeds minimum 680 per guidelines.; |  |  | APRV 0003 Missing Loan Approval Date - Missing final approval. The approval in the file is missing the approval date and reflects the wrong interest rate, appraised value. - 10/17/2024 - Exception is cleared with the attached conditional approval printed post-consummation. NOTE: 1008 is dated and underwriter is the same. <br>TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. - REMOVE: Duplicate of 0195<br>HUD 0001 Missing Final HUD-1 - Missing final CD matching the final settlement statement from title, XX fees and cash to borrower on the CD signed at closing (dry funding state) do not match the final borrower statement issued XX/XX/XX. - 10/17/2024 - Recd cover letter, PCCD, and evidence the disclosure was sent electronically. <br>|  |
| 900001253 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 49.13% CLTV is below 85% maximum per guidelines.; Low DTI - 22.04% DTI is below 50% maximum per guidelines.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Initial CD APR 7.76%<br>Final CD APR 7.633% <br>APR decreased 0.127%. - EV2/B Non-Material, decrease to APR is a benefit to borrower. |  | CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing evidence of XX costs. - 10/21/2024 - Exception is cleared with the attached report.<br>APPR 0002 Appraisal is Incomplete - Appraisal does not reflect PUD, however there is an HOA assessment invoice, DOT includes a PUD Rider, and title commitment reflects PUD. - 10/24/2024 - Exception is cleared with the attached updated appraisal report; reflects detached PUD subject to assessments.<br>APRV 0003 Missing Loan Approval Date - Missing lender approval, only the unsigned 1008 reflecting the incorrect interest rate is in the file. - 10/22/2024 - Exception is cleared with the attached Loan Approval Conditions.<br>NMLS 0011 NMLS IDs do not match - The final 1003 reflects the originator organization NMLS ID as XXXXX, which appears to be the state license ID. The Note, DOT and final CD reflect the originator organization NMLS ID as XXXXX. - 10/25/2024 - Exception is cleared with the attached updated 1003.<br>|  |
| 900001239 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 76.33% CLTV is less than 85% maximum per guidelines.; None - 39.83% DTI is below 50% maximum per guidelines.; | TRID 0144 LE or CD Projected Payments Section is Deficient - Final CD dated reflects XX and XX are in escrow. Loan is not escrowed. - 10/16/2024 - Exception is downgraded to EV2/B with the attached PCCD and cover letter. No restitution required, thus US Mailbox Rule applied. |  |  |  |
| 900001344 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Low DTI - 33.46% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | ROR 0011 Right of Recission Is Not on Correct Form - Refinance is a Lender to Lender refinance and should be performed on the H-9 form. The HELOC being paid off was originated by (lender), NORTC form is H-8 rather than H-9. - EV2/B - Recd borrower executed H9 ROR form to evidence rescission period reopened with no evidence the borrower exercised the right to rescind the transaction.<br>APRV 0010 Underwriting Loan Approval is Deficient - Approved DTI 36.54% / Review DTI 33.46%, variance > 3% due to qualifying DTI double counting property costs escrowed with first lien. - EV2/B Non-Material, DTI < 45% Max Allowed.<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC or lender credit for the increase to the recording fee from $xxx to $xxx on the initial CD, increase was $xxx above the 10% tolerance for this fee. COC does not address this increase. -- The total amount of Closing Disclosure 10% Category fees ($xxx) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xx/xx, ($xxx). The total amount of fees in this category cannot exceed ($xxx) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). - 11/20/2024 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, refund check $xxx, and courier tracking slip to evidence delivery to borrower was completed within 60 days of consummation. |  | PROP 0003 Missing Required Property Inspection - Missing property condition report, as required by guidelines. Per guidelines, AVM with exterior property inspection (PCI): <br>AVM must be from an approved provider with an acceptable forecast standard deviation score <br>PCI must indicate average condition or better - 11/08/2024 - Exception is cleared with the attached PCI, condition is indicated to be good.<br>ROR 0005 Right of Rescission not hand dated by Borrower(s) - Notice of Right to Cancel is e-signed by the borrower rather, but the signature date is typewritten. Missing is disclosure tracking documenting the date the ROR was esigned. Disclosure tracking in file does not reflect being sent to borrower electronically. - 11/07/2024 - Recd disclosure tracking confirming the date borrower electronically signed the form.<br>|  |
| 900001263 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low DTI - 38.52% DTI is below 45% maximum per guidelines.; Verified credit history - 738 Credit score exceeds minimum 680 per guidelines.; | CRED 0044 Unacceptable transaction type - Guidelines require that the subject note borrowers match the borrowers of the senior lien note. Borrower X is not on senior lien but is on the subject loan. Approved exception in file. - EV2/B Investor Acknowledged Exception |  | ROR 0005 Right of Rescission not hand dated by Borrower(s) - Notice of Right to Cancel is e-signed by the borrower, but the signature date is typewritten. Missing disclosure tracking to evidence date the disclosure was eSigned. Disclosure tracking in file does not indicate that the disclosure was sent electronically to borrower. - 11/07/2024 - Exception is cleared with the attached disclosure tracking confirming the date the disclosure was electronically signed by the borrowers.<br>|  |
| 900001287 | XXXX | Funded | 2 | 1 | 2 | 2 |  |  |  | Verified ownership of subject property - Borrower has owned subject property xxx years.; Disposable Income - Borrower has $xxx in disposable income.; | FEMA 0001 Property Inspection Date is prior to disaster declaration begin date - Subject is located in a FEMA declared disaster area, Hurricane xxxx xx/xx (IA). Missing post-disaster inspection. - EV2/B Investor Acknowledged Exception.<br>TRID 0148 LE or CD is Deficient - Projected Payments / Estimated Taxes, Insurance & Assessments section of the final CD does not include the property taxes (Ins/Other only). Estimate of $xxx appears to be the HOA dues. Estimated property costs over year 1 also only reflects the HOA dues. It is also noted that the Escrow Account section does not disclose if the borrower declined an escrow account or if the lender did not offer one. - EV2 / B Non-Material |  | APRV 0003 Missing Loan Approval Date - Missing lender approval, only the unsigned 1008 is in the file. - 10/16/2024 - Exception is cleared with the attached Underwriting Decision.<br>CRED 0017 Insufficient Verified Reserves (Number of Months) - 1.86 Months PITI reserves does not meet minimum 2 months required per guidelines. Variance due to 1008 cash to borrower for reserves vs final CD. - 11/08/2024 - Exception is cleared with the attached contribution notice that confirms in-service hardship withdrawals are allowed. Retirement statements were presented xx/xx.<br>|  |
| 900001282 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 47 months satisfactory mortgage rating.; Verified credit history - 726 FICO > 700 Minimum Required.; | CRED 0010 LTV Exceeds Max Allowed - 76.86% CLTV > 75% Max Allowed (85% - 10% Reduction for Rural Property). Per guidelines, Rural Property Requirements (prior approval required): Reduce max CLTV by 10%. - Investor Acknowledged Rural Property |  | APP 0004 Initial 1003 Application is Incomplete - Missing borrower signed initial 1003. - 11/06/2024 - Exception is cleared with the attached borrower and LO signed initial 1003.<br>ROR 0002 Right of Rescission is Incomplete - ROR is esigned, however, the date of the signature is typewritten. Missing disclosure tracking to confirm date the disclosure was signed. - 11/08/2024 - Exception is cleared with the attached certificate of completion evidencing the date the ROR was electronically signed by the borrower.<br>|  |
| 900001237 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 762 Credit score exceeds minimum 680 score per guidelines.; Verified housing payment history - Borrower has verified mortgage history of 0x30x40 which exceeds minimum 0x30x24 required per guidelines.; |  |  |  |  |
| 900001254 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 84 months of prior mortgage payment history paid 0x30 per credit report. ; Low LTV/CLTV/HCLTV - Low 31.43% CLTV when guidelines allow up to 85%.; Verified employment history; |  |  | NMLS 0011 NMLS IDs do not match - NMLS for Lender (Organization) on the final Application is listed as XXXXX. NMLS for XX listed on the Note, Mortgage, and CD is XXXXX. - 10/28/2024 - Exception is cleared with the attached borrower electronically signed corrected 1003 with cover letter.<br>APPR 0020 Missing Property Condition - Missing exterior property inspection indicating average condition or better. Only an VM was provided. - 10/21/2024 - Exception is cleared with the attached PCI. <br>|  |
| 900001247 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has 31 plus years on current job.; Disposable Income - Borrower has $XX in XX income.; |  |  | CRED 0086 Undisclosed or Excluded Debt - Per Credit Inquiry Explanation, borrower opened accounts with (creditors), but no documentation of the new debt amounts or payments was included in the file. Review added (creditor) expense from the final 1003 but still need documentation of the expense. The letter from (creditor) in file, showing account paid does not match the account number on the credit report so did not omit the payment. - 10/23/2024 - Exception is cleared. UDM report in file and payoff confirms new debt paid in full. UDM also confirms other new liabilities.<br>|  |
| 900001251 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 757 Credit score exceeds minimum 680 per guidelines.; Verified employment history - Borrower has been on current job for 33 plus years.; |  |  | CRED 0087 Tax Returns/Transcripts are Insufficient - Missing transcripts for two most recent tax years to support the calculated income. - 10/24/2024 - Exception is cleared with the attached most recent two years transcripts.<br>|  |
| 900001252 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 739 Credit score exceeds minimum 680 required per guidelines.; Low DTI - 37.13% DTI is below maximum 45% per guidelines.; |  |  |  |  |
| 900001271 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 45 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 770/788 with no history of delinquency reported. Minimum credit score required 680.; Low LTV/CLTV/HCLTV - 62.74% CLTV < 85% Max Allowed.; | TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) - Final CD inaccurately disclosed XX as being escrowed. Property costs are escrowed with first lien. Escrow Account disclosed inaccurately, Estimated Property Costs Over Year 1 is missing. - 11/03/2024 - Exception is downgraded to EV2/B with the PCCD, cover letter, and courier tracking receipt to evidence delivery to borrower completed within 60 days of consummation.<br>APRV 0010 Underwriting Loan Approval is Deficient - Approved DTI 44.19 / Review DTI, Qualifying DTI double counted XX costs escrowed with first lien (Max 45%). - EV2/B Non-Material (Max 45%)<br>CRED 0082 Income Documentation is Insufficient - Borrower X VVOE reflects an employment start date (date). Missing verification from employer of the actual start date. Borrower disclosed start date of (date) on 1003. - EV2/B - XX and XX confirm 2+ years employment with current employer. |  | CRED 0104 Missing Letter of Explanation - Missing XX document. - 10/25/2024 - Exception is cleared with the attached borrower signed XX.<br>FRAUD 0001 Fraud report alerts have not been addressed - Cleared comments do not state how the fraud findings were cleared. - 10/25/2024 - Exception is cleared with the attached fraud report summary with commentary.<br>DMND 0003 Missing Payoff/Demand Statement - Missing borrower signed authorization to payoff and close existing second lien, (account). - 10/31/2024 - Exception is cleared with the attached debt satisfaction.<br>|  |
| 900001272 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit score 686 with no history of delinquency reported. Minimum credit score required 680.; Low DTI - Qualifying DTI 14.64% < 45% Max Allowed.; | CRED 0012 CLTV Exceeds Max Allowed - 74.77% CLTV > 70% Max Allowed (Credit Score 680 Max 75% - 5% Reduction for Alt Doc = 70% Max) - Investor Acknowledged Exception.<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Initial CD APR 10.416% / Final CD APR 10.239%, variance > 0.125%.<br>- EV2/B Non-Material, decrease is considered a benefit to borrower. |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Missing Legal Description. Mortgage states it is attached as Exhibit A, no exhibit A provided. - 10/29/2024 - Exception is cleared with the attached Mortgage, includes exhibit A.<br>FRAUD 0001 Fraud report alerts have not been addressed - Cleared comments do not state how the fraud findings were cleared. - 10/29/2024 - Exception re-reviewed and cleared. Exception set in error.<br>DEED 0049 Mortgage/Deed of Trust is Incomplete - Missing page 7 of the Mortgage, only pages 1-6 of 7 are in the file. Unable to confirm the Mortgage includes the correct NMLS IDs. - 10/29/2024 - Exception is cleared with the attached Mortgage, includes pg 7 of 7.<br>TITL 0014 Title Policy - Schedule B Exception - Missing final title policy to confirm the (lien) position and that the XX liens against the borrower et al do not appear. - 10/29/2024 - Exception is cleared with the attached email from the title agent confirming Schedule B (lien) and XX liens will not be on the final title policy.<br>APRV 0003 Missing Loan Approval Date - Missing lender approval, only the unsigned 1008 is in the file. - 10/29/2024 - Exception is cleared with the attached underwriting decision.<br>|  |
| 900001270 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have 0x30x40 mortgage history which exceeds minimum 0x30x24 required per guidelines.; Verified credit history - 796 Credit score exceeds minimum 680 required per guidelines.; |  |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Legal Description is not attached to or contained within Mortgage. - 11/07/2024 - Recd exhibit A.<br>NOTE 0064 Non Standard Agency Form Type payments are not applied on the scheduled due date - Loan completed as (state) Simple Interest Loan document. - 11/07/2024 - Set In Error.<br>|  |
| 900001300 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 63.02% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - CD only includes flood insurance in property costs over year 1. Flood insurance, taxes, and insurance are escrowed with 1st lien. CD should disclose all property costs or none. - 11/26/2024 - Exception is downgraded to EV2/B with the attached PCCD with cover letter. US Mailbox Rule to be applied.<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD 10/8 APR 10.844%<br>CD 10/18 APR 9.442%<br>Reduction 1.402%<br>- EV2/B Non-Material, Decrease is deemed to be a benefit to borrower. |  |  |  |
| 900001275 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 24.30% DTI is below 45% maximum per guidelines.; Verified housing payment history - Borrower has verified mortgage history of 0x30x34, which exceeds minimum of 0x30x24.<br>; |  |  | HUD 0001 Missing Final HUD-1 - Final CD is missing pg 5 of 5. CD addendum reflects borrower received a CD on (date). - 11/01/2024 - Exception is cleared with the attached complete copy of the final CD.<br>|  |
| 900001295 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 45.02% CLTV is below 85% maximum per guidelines.; Verified credit history - 721 Credit score exceeds minimum 680 required per guidelines.; | TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing evidence of delivery to borrower of the final LE (xx/xx). -- A revised Loan Estimate was provided on (xx/xx) via (U.S. Mail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (xx/xx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xx/xx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xx/xx/xx). (12 CFR 1026.19(e)(4)(ii)) - 11/15/2024 - Exception is downgraded to EV2/B with the attached lender attestation. Timing requirement met with LE xx/xx. There were no changes disclosed on the re-issued LE dated xx/xx. <br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - LE xx/xx APR 9.153% <br>Initial CD xx/xx APR 8.551%<br>Final CD xx/xx APR 8.538% - EV2/B Non-Material, Decrease is deemed to be a benefit to borrower. |  | TRID 0135 No proof borrower(s) can receive documents via the electronic method as intended - Missing borrower eConsent. - 11/06/2024 - SFIG 4.0: If e-consent is not in file or e-consent date is missing, TPR will assume consent was received timely but not documented. E-consent will be assumed to be obtained on the date of application for compliance testing purposes.<br>COMP 0019 Invalid Change of Circumstance - Missing rate lock agreement. Change of Circumstance was issued as of xx/xx reflects a change date of xx/xx. Dates cannot be reconciled as COC issued date proceeds action date. The change stated is rate locked. - 11/13/2024 - Recd initial CD disclosure package, borrower esigned discount point fee disclosure, and lender lock confirmation. Initial CD was issued on the rate lock date.<br>|  |
| 900001268 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 63.47% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrower has 0x30x44 verified mortgage history which exceeds minimum 0x30x24 required per guidelines.; |  |  | TRID 0137 Cannot Reconcile LE / CD Versioning - Missing interim LE as listed on the disclosure tracking summary and Disclosure tracking details. - 11/05/2024 - Exception is cleared with the attached interim LE.<br>FEMA 0001 Property Inspection Date is prior to disaster declaration begin date - Missing Post-disaster inspection report. Borrower is located in a FEMA declared disaster area. - 11/05/2024 - Exception is cleared with the attached PCI confirming no damage.<br>|  |
| 900001286 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Disposable Income - Borrowers have $xxx in verified disposable income.; Verified credit history - 762 Credit score exceeds minimum 720 required per guidelines.; | RESPA 0029 Missing Homeownership Counseling Disclosure - Homeonwership Counseling Disclosure not in file. - 11/18/2024 - Exception is downgraded to EV2/B with initial 1003 supplemental consumer information form disclosing HUD/CFPB websites to borrower.<br>COMP 0035 Affiliated Business Disclosure Not Provided Within 3 Business Days of Application - ABD was not issued within 3 business days of the application date. - EV2/B Non-Material. Affiliate not used for the transaction. |  | CRED 0091 Missing Tax Transcript(s) - File is missing tax transcripts for both borrowers for (year). - 11/14/2024 - Exception is cleared with the attached B2 wage transcript. B2 transcript previously presented xx/xx.<br>|  |
| 900001273 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified housing history of 0x30x44 which exceeds minimum 0x30x24.; Verified credit history - 760 Credit score exceeds minimum 680 per guidelines.; |  |  |  |  |
| 900001274 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have verified 0x30x60 mortgage history which exceeds required 0x30x24 per guidelines.; Low DTI - 34.27% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001302 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 758 Credit score exceeds minimum 700 per guidelines.; Low DTI - 20.91% DTI is below 45% maximum per guidelines.; | CRED 0001 Unacceptable Mortgage History - Borrower has 1x30x24 mortgage history which exceeds maximum allowed 0x30x24 per guidelines. Lender approved exception in file on page xxx. Missing Investor Acknowledgment. - 11/05/2024 - Investor Acknowledged Exception |  | CRED 0044 Unacceptable transaction type - Per guidelines, the borrowers on the senior lien must match the second lien. Borrower's spouse is on the senior lien but is not on subject transaction. - 11/05/2024 - Recd email correspondence from the investor confirming the removal of an immediate relative is not considered an exception.<br>TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing COC for the reduction in Lender credit on final CD. - 11/26/2024 - Exception is cleared with the attached pricing sheet. Pricing change due to rate lock extension to cover thru disbursement.<br>|  |
| 900001292 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Low DTI - 35.55% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has verified disposable income of $xxx.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 / B Non-Material<br>COND 0010 Missing Lender Project Condo Classification - Missing condo project approval/CPM and HOA Questionnaire with all supporting documentation. - EV2/B Investor Acknowledged Exception |  | INS 0001 Missing Sufficient Evidence of Insurance - Missing master association flood policy. - 11/20/2024 - Recd project flood policy for subject building.<br>APRV 0003 Missing Loan Approval Date - Missing lender loan approval/underwriting decision. - 11/04/2024 - Exception is cleared with the attached underwriting decision.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing copy of H06 Policy. Per final CD policy premium of $xxx was paid at closing. - 11/04/2024 - Recd HO6.<br>|  |
| 900001293 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 16.15% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has $xxx in verified disposable income.; |  |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Legal Description not attached to or contained within Mortgage.<br>- 11/13/2024 - Exception is cleared with the attached copy of Exhibit A.<br>PROP 0003 Missing Required Property Inspection - Subject is located in a FEMA declared disaster area (IA), Hurricane Milton. Missing PDI. - 11/19/2024 - Attached disaster inspection report completed by appraiser confirms no damage to subject and that the marketability is not affected.<br>|  |
| 900001285 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Disposable Income - Borrower has verified disposable income of $xxx.; | PROP 0002 Property Type is prohibited - Missing investor acknowledgement of the rural property location. Lock confirmation reflects "xxxx" property location. Per guidelines, prior approval required for xxxx property. All other xxxx property requirements met. - Investor Acknowledged xxxx Property<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2/B Non-Material |  |  |  |
| 900001266 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 58.94% CLTV is below 80% maximum per guidelines.; Verified housing payment history - Borrower has 0x30x43 mortgage history which exceeds minimum 0x30x24 required per guidelines.; |  |  |  |  |
| 900001299 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 748 Credit score exceeds minimum 700 per guidelines.; Disposable Income - Borrowers have $xxx in residual income.; |  |  | TRID 0163 CD is not within 3 business days of Change of Circumstance. - Re-disclosure was not issued within 3 days of the change date; COC form reflects a change date of xx/xx/xx with a re-disclosure date xx/xx/xx. - 12/04/2024 - Exception is cleared with the attached posted response with snippet of lock confirmation date, COC form change date was inaccurate.<br>APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - B2 IRA distributions $xxx are listed on B1. - 11/13/2024 - Exception is cleared with the attached corrected 1003; retirement income moved from B1 to B2.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid reason for the addition of the $xxx loan origination fee. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xx/xx/xx: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 12/04/2024 - Exception is cleared with the attached snippet of the lock confirmation date.<br>TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. - Duplicate of 0195<br>|  |
| 900001289 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 25.37% DTI is below 50% maximum per guidelines.; Verified employment history - Borrower has been on current job xxx years.; |  |  |  |  |
| 900001284 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - 769 Credit score exceeds minimum 700 required per guidelines.; Disposable Income - Borrowers have $xxx in verified disposable income.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 / B Non-Material. |  | CRED 0091 Missing Tax Transcript(s) - Missing tax transcripts for both borrowers for most recent two years. - 11/21/2024 - Recd most recent two years wage transcripts.<br>|  |
| 900001277 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 35.06% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $XX in XX income.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD XX/XX/XX APR 10.667%<br>CD XX/XX/XX APR 10.556%<br>Reduction .111%. - EV2/B APR Decreased, benefit to borrower. |  |  |  |
| 900001309 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x43 which exceeds minimum 0x30x24 per guidelines.; Low DTI - 35.02% DTI is below maximum 50% per guidelines.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing (year) Tax Wage Transcripts. - 11/25/2024 - Exception is cleared with the attached (year) tax transcript.<br>APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. 1008 on page xxx. - 11/19/2024 - Recd underwriting decision.<br>|  |
| 900001276 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 739 Credit score exceeds minimum 700 required per guidelines.; Verified housing payment history - Borrower has verified mortgage history of 0x30x40 which exceeds minimum 0x30x24 required per guidelines.; |  |  |  |  |
| 900001390 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 28.16% DTI is below 50% maximum per guidelines.; Verified housing payment history - Borrower has verified mortgage payment history of 0x30x43 which exceeds minimum required 0x30x24.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. 1008 on page xxx - 12/03/2024 - Exception is cleared with the attached UW decision.<br>CRED 0087 Tax Returns/Transcripts are Insufficient - Missing wage transcripts for (most recent two years) that support income provided. - 12/09/24 2023/2022 Wage & Income transcripts received.<br>DEED 0007 Missing PUD Rider - Missing PUD rider to mortgage. - 01/14/2025 - Recd PUD Rider with recording stamp.<br>|  |
| 900001283 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 131 months of mortgage history paid 0x30, verified per credit report. ; Verified credit history - 750 qualifying credit scores, minimum required of 680. No derogatory credit. ; |  |  | PROP 0003 Missing Required Property Inspection - Subject is located in a declared disaster area (IA), Hurricane Milton. Missing PDI Report from Clear Capital or DAR from Pro Teck or equivalent. - 11/15/2024 - Exception is cleared with the attached PDI confirming no damage to subject property, marketability not affected.<br>APRV 0003 Missing Loan Approval Date - Missing evidence of lender approval date. - 11/20/2024 - Exception is cleared with the attached loan approval.<br>|  |
| 900001345 | XXXX | Funded | 2 | 2 | 2 | 2 |  |  |  | Verified employment history - VOE confirms xxx years employment with present employer.; | APPR 0046 Missing Third Party Appraisal Review - AVM completed by Collateral Analytics has FSD score of .11. Per guidelines an FSD score of <= .10 is required. AVM does not meet guideline requirements. - 11/25/2024 - Exception is downgraded to EV2/B with TPR ordered BPO that supports within 10% tolerance the AVM value.<br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-Material<br>CRED 0004 Back-end Ratio exception (DTI) - DTI of 45.13% exceeds maximum allowed of 45% (does not qualify for 50% DTI due to credit score of xxx). Lender approved DTI of 44.64%. Variance due to lender using tax and insurance escrow on mortgage statement totaling $xxx. Tax bill verified tax payment of $xxx and HOI verified payment of $xxx, total of $xxx. - EV2/B - Investor Acknowledged Exception. |  | TRID 0137 Cannot Reconcile LE / CD Versioning - Missing interim LE and corresponding COC. Disclosure Tracking. - 12/05/2024 - No fee violations with interim LE included for compliance re-submission.<br>APRV 0003 Missing Loan Approval Date - Missing lender loan approval with approval date. - 11/26/2024 - Recd underwriting decision.<br>CRED 0091 Missing Tax Transcript(s) - Missing 2 years to tax transcripts. - 11/20/2024 - Recd most recent two years tax transcripts.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for increase to the Loan Discount Fee. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on xx/xx: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 11/21/2024 - Recd COC form for final CD. Borrowers rate lock expired on the closing date. Pricing change resulted from extension to cover disbursement.<br>|  |
| 900001291 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 31.54% DTI < 45% Max.; Low LTV/CLTV/HCLTV - 62.51% CLTV < 85% Max.; Verified credit history - Qualifying credit score 755 > 680 Minimum Required.; |  |  |  |  |
| 900001306 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has mortgage history of 0x30x37 which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 33.58% DTI is below maximum 50% per guidelines.; |  |  | TRID 0044 Intent To Proceed Date < Loan Estimate Presumed Received Date - Missing disclosure tracking for the initial LE. eDisclosure timestamp on the LE is obscured by the lender name. - The Loan Estimate was provided or mailed on (xx/xx). Since it was not provided in person, a consumer is considered to have received the Loan Estimate on (xx/xx), which is after (xx/xx); the date the consumer indicated an intent to proceed with the transaction. A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) - 11/22/2024 - Recd disclosure tracking evidencing the initial LE was received by the borrower on the issuance date.<br>CRED 0087 Tax Returns/Transcripts are Insufficient - Missing wage earner tax transcripts for most recent two years. - 12/03/2024 - Exception is cleared with the attached most recent two years wage transcripts.<br>|  |
| 900001294 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Disposable Income - Borrowers have $xxx in verified residual income.; | TRID 0148 LE or CD is Deficient - Final CD Loan Disclosures / Escrow Account did not disclose if an escrow account was declined by the borrower or if the lender did not offer one. - EV2/B Non-Material |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing final loan approval. - 11/21/2024 - Exception is cleared with the attached underwriting decision.<br>|  |
| 900001308 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 733 Credit score exceeds minimum 680 per guidelines.; Disposable Income - Borrower has $xxx in verified residual income.; | CRED 0084 Income Calculation Discrepancy - Approved DTI 39.46% / Review DTI 43.15%, variance > 3% tolerance due to lender using a 2 year average for income. Review used monthly salary x 11 and divided by 12 as borrower is paid 11 months per year. - EV2/B Non-Material (Max 45%) |  | TRID 0009 Initial Closing Disclosure Sent Method Not In Person and No Received Date - Missing evidence Initial CD issued xx/xx/xx was received either electronically or in person. -- The Initial Closing Disclosure was provided on (xx/xx/xx) via (U.S. Mail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xx/xx/xx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xx/xx/xx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (xx/xx/xx), for consummation to occur on (xx/xx/xx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - 11/20/2024 - Exception is cleared with the attached borrower electronically signed initial CD and disclosure tracking.<br>TRID 0135 No proof borrower(s) can receive documents via the electronic method as intended - Missing borrower accepted eDisclosure. - 11/20/2024 - Exception is cleared with the attached technology consent agreement.<br>TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing evidence the last LE issued xx/xx/xx was received either electronically or in person. -- A revised Loan Estimate was provided on (xx/xx/xx) via (U.S. Mail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (xx/xx/xx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xx/xx/xx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xx/xx/xx) (12 CFR 1026.19(e)(4)(ii)) - 11/25/2024 - Exception is cleared with the attached copy of the re-disclosed LE. Disclosure tracking for the latest issued LE was previously presented xx/xx.<br>|  |
| 900001297 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 21.68% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has $xxx in verified residual income.; |  |  | APRV 0010 Underwriting Loan Approval is Deficient - Approval in file on page 95 is for $xxx loan amount; however per note the loan closed at $xxx. Provide final approval with corrected loan amount. - 11/19/2024 - Exception is cleared with the attached updated loan approval.<br>|  |
| 900001290 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Low LTV/CLTV/HCLTV - 58.14% CLTV is below 75% maximum per guidelines.; Disposable Income - Borrower has $xxx in residual income.; | PROP 0003 Missing Required Property Inspection - Subject is located in a declared disaster area. Missing post-disaster inspection. - Investor Acknowledged Exception for lender completed disaster report. |  | CRED 0091 Missing Tax Transcript(s) - Missing wage earner tax transcripts for most recent two years. - <br>11/21/2024 - Recd most recent two years wage transcripts.<br>TRID 0008 Initial CD Received Date is < 3 business days prior to Consummation Date - Per Disclosure Tracking - Missing initial CD date xx/xx/xx. - 11/21/2024 - Recd initial CD.<br>|  |
| 900001323 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have verified housing payment history of 0x30x48 which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 42.37% DTI is less than 50% maximum per guidelines.; |  |  | CRED 0133 HOA Payment is not verified - Missing documentation to verify subject HOA fees. Review used estimate of $xxx per the final 1008. - 11/20/2024 - Attached bank statement reflects payment to homeowners association.<br>DEED 0007 Missing PUD Rider - Missing PUD rider to the Deed of Trust. - 12/12/20241 - Recd executed copy of the PUD Rider. Letter of intent to re-record previously presented xx/xx.<br>TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Additional lender credit of $xxx is insufficient to cure fee variance for the increase in the lender's title policy, and added admin, document prep, courier, notary, recording service and wire fee on LE issued xx/xx. - 11/27/2024 - Recd confirmation that the settlement service provider is not the same provider and operates independently from the disclosed provider on the SPL. Exception cleared with compliance resubmission, borrower shopped/chosen.<br>|  |
| 900001296 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - xxx years occupying subject property.; Low LTV/CLTV/HCLTV - 47.13% CLTV is below 85% maximum per guidelines.; |  |  | HAZ 0001 Missing Hazard Insurance Proof of Premium - Missing hazard insurance paid receipt: <br>(insurer) - (policy #) - Premium $xxx.<br>First mortgage is not escrowed. - 11/22/2024 - Exception is cleared with attached reflecting minimum due of $xxx and balance of $xxx. EOI in file reflects premium of $xxx with $xxx due. Premium is being paid in installments, Minimum Due $xxx, Amount Due $xxx with Premium of $xxx.<br>|  |
| 900001317 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Credit supplement confirms 35 months satisfactory mortgage rating.; |  |  | PROP 0002 Property Type is prohibited - Subject is xxxx. Per guidelines xxxx properties which include xxxx are ineligible. - 11/26/20247 - Recd email correspondence from the investor scenario desk, "We would not consider this to be xxxx. Appears to be xxxx.<br>CRED 0001 Unacceptable Mortgage History - Missing VOM for subject first lien to verify history 0x30s24 (or since inception). - 12/12/2024 - Recd credit supplement confirming 24+ months satisfactory mortgage rating.<br>|  |
| 900001320 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Credit report confirms 49 months satisfactory mortgage rating.; Verified credit history - Middle Credit Score 750 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 59.75% CLTV < 85% Max Allowed.; |  |  | CRED 0082 Income Documentation is Insufficient - Employer WVOE wages (year) is not supported by the Wage Transcript reflecting. - 12/10/2024 - Exception is cleared with the attached email correspondence from the borrowers employer explaining that income for (year) that is reflected on the pre-consummation WVOE was inaccurate because it was inadvertently obtained from from previous employment several years ago with same employer.<br>DMND 0003 Missing Payoff/Demand Statement - Missing borrower signed authorization to payoff and close HELOC. - 12/03/2024 - Exception is cleared with the attached account closing letter.<br>|  |
| 900001418 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 812 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 61.13% CLTV w/a max allowed of 85%.; Verified employment history - xxx years verified w/current employer.; |  |  | FRAUD 0001 Fraud report alerts have not been addressed - Closing agent is reflected to be on the (agency) Exclusionary List for Escrow Officer Company per the fraud report. Lender has additional searches that verify the agent is the agent excluded. - 01/24/2025 - Seller attests, A comprehensive review and vetting of the settlement agent was completed by (seller) quality control team. Please accept the attached response to clear this condition.<br>DEED 0007 Missing PUD Rider - Missing PUD Rider. Property type verified as a PUD per title and the appraisal. - 12/13/2024 - Recd recorded Corrective or Scriveners Affidavit with executed PUD Rider.<br>CRED 0091 Missing Tax Transcript(s) - Missing (most recent two years) Wage & Income transcripts. - 12/18/2024 - Recd most recent two year tax transcripts.<br>|  |
| 900001311 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 25%, maximum of 85% allowed per guidelines. ; Low DTI - DTI of 25.58%. Maximum DTI of 45% allowed. ; |  |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - The final CD dated xx/xx/xx discloses the Disbursement date xx/xx/xx. The ROR page 120 discloses exp date of xx/xx/xx. - 12/04/24 PC CD and HUD received confirming disbursement date of xx/xx/xx.<br>|  |
| 900001298 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 2 has been on job xxx years.; Disposable Income - Borrowers have $xxx in verified disposable income.; |  |  |  |  |
| 900001288 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low DTI - 27.44% DTI is below 50% maximum per guidelines.; Verified credit history - 781 Credit score exceeds minimum 680 per guidelines.; | CRED 0044 Unacceptable transaction type - Borrower spouse is a borrower on the senior lien but is not a borrower on subject transaction. Per guidelines the borrowers on the senior lien must match the subject transaction. Lender approved exception. - Investor Acknowledged Exception |  |  |  |
| 900001321 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Low DTI - 30.08% DTI is below maximum 50% maximum per guidelines.; Disposable Income - Borrower has verified disposable income of $xxx.; | COND 0002 Condo Documentation is Insufficient - Missing required condo questionnaire with appropriate attachments. - Exception is downgraded to EV2/B, project is (agency) approved.<br>ROR 0011 Right of Recission Is Not on Correct Form - Transaction was completed on a H8 form. Lender to lender refinance should be completed on a H9 form. - 12/13/2024 - Exception is downgraded to EV2/B with the attached RORs, rescission period was reopened using the H9 form and the rescission period has expired. |  | TRID 0171 Missing valid Change of Circumstance(s) - Missing initial rate lock agreement. Lock agreement in file reflects a rate of 8.375% on xx/xx. LE disclosed rated 8.625% on xx/xx. - 12/05/2024 - Exception is cleared with the attached COC for re-disclosed LE.<br>|  |
| 900001391 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 319 months of mortgage history paid 0x30, verified per credit report. ; None - No other significant compensating factors. ; | CRED 0004 Back-end Ratio exception (DTI) - UPDATED EXCEPTION (Refer CRED 0082/CRED 0086): Review DTI 45.11% > 45% Max Allowed, using the updated asset statement presented resulted in the DTI increasing over the max allowed.<br>ORIGINAL EXCEPTION: QC DTI of 50.14% exceeds maximum of 45% allowed. Increase due to lender excluding payment of $xxx/mo to (liability) which was not paid off at closing as stated on loan approval. - EV2/B Investor Acknowledged Exception |  | DEED 0005 Mortgage/Deed of Trust is not Recorded - Missing copy of lender's closing instructions to verify the requirement to record the mortgage or a copy of the recorded mortgage. - 12/10/2024 - Recd closing instructions.<br>CRED 0082 Income Documentation is Insufficient - Guidelines require bank statements, most recent dated within 60 days of note date. Most recent bank statement is dated August. Missing September statement. Income recalculation required upon submission of updated statement. - 12/10/2024 - Posted response is insufficient to satisfy the exception.<br>--Updated statement presented CRED 0086.<br>TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing COC for decrease in lender credit from $xxx on the initial CD. Interim CD reflects lender credit of $xxx, Final CD Lender Credit $xxx. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Closing Disclosure sent on xx/xx/xx, ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - 12/18/2024 - Exception is cleared with the attached rate lock details.<br>TRID 0172 Missing revised LE after Change of Circumstance - Missing LE that corresponds w/the COC loan amount change to $xxx. - 12/18/2024 - Recd lender attestation that no re-disclosure was issued for COC because the increase to loan amount would cause the DTI > 45% Max Allowed.<br>CRED 0086 Undisclosed or Excluded Debt - Per approval, (creditor liability) was to be paid off at closing. Per CD the (liability) with payment of $xxx was not paid off. - 12/11/2024 - Exception is cleared with the attached asset statement and lender posted response, loan file contains evidence that the business is paying the debt.<br>|  |
| 900001348 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 59.19%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 126 months of mortgage history paid 0x30, verified per credit report. ; |  |  | TRID 0171 Missing valid Change of Circumstance(s) - 1) Missing COC for change in lender discount, Appraisal Disaster fee and Loan Amount on LE issued (date). <br>2) Missing COC for the added Lock Extension Fee of $xxx added to the CD dated (date). <br>3) Missing COC for increased recording fees on the CD dated (date). - 12/03/2024 - TPR set in error, in file.<br>HCOST 0001 High Cost Failure - The loan fees ($xxx) exceed the (FED2014) (Note Amount >=$xxx) fee limit, which is 5% of the Total Loan Amount ($xxx), the difference is ($xxx). (12 CFR 1026.32). - 01/06/2025 - Recd guidance from counsel, funding fee excluded from high cost testing.<br>COMP 0010 Missing Affiliated Business Disclosure - ABD not in file. FACTS state they do not share affiliates. Missing list of lender affiliates. If no affiliates were used finding can be cleared. - 12/06/2024 - Exception is cleared with the attached lender attestation confirming there are no affiliated business relationships to disclose.<br>CRED 0133 HOA Payment is not verified - Missing verification of subject HOA payment. Review used $xxx/mo to qualify per 1008. - 12/03/2024 - TPR set in error.<br>CRED 0091 Missing Tax Transcript(s) - Missing tax transcripts for most recent two years. - 12/23/2024 - Tax transcripts received<br>TRID 0134 Missing E-Sign Disclosure - E-Sign Disclosure not in file. - 12/03/2024 - TPR set in error.<br>TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Lender credit of $xxx is insufficient to cure fee variance caused by the following: Increase in discount, Added Lock extension fee, Disaster Inspection fee, and increased recording charges. --A Lender Credit for Excess Charges of ($xxx), Principal Reduction for Excess Charges of ($xxx), and general or specific lender credit increases of ($xxx) were applied to the total fee variance of ($xxx) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance.<br>Cleared - 12/03/2024 - Cleared upon compliance resubmission with COC's entered.<br>APPR 0044 HPML Appraisal Requirements are Not Met - Subject is HPML. Full appraisal not provided. AVM only. - 01/06/2025 - Recd guidance from counsel, funding fee excluded from high cost testing. Lon is not HPML after compliance resubmission excluding funding fee from high cost testing.<br>TRID 0130 Missing Intent to Proceed - ITP not in file. - 12/09/24 Confirmation of verbal intent to proceed from borrower received.<br>|  |
| 900001301 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 74.9%, maximum of 85% allowed per guidelines. ; Net tangible benefit - Debt consolidation saving borrower $xxx per month. ; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 Non-Material<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing. APR CD dated xx/xx 11.238%, APR final CD dated xx/xx 11.066% - EV2 Non-Material, APR decreased, benefit to borrower. |  | CRED 0089 Missing Required Fraud Tool - Missing complete fraud report. Two pages were provided. - 12/03/2024 - Exception is cleared with the attached fraud report, all fraud findings were addressed by lender or verified with documentation in file.<br>APRV 0003 Missing Loan Approval Date - Missing final loan approval with approval date. 1008 is not signed or dated. - 12/03/2024 - Exception is cleared with the attached underwriting decision.<br>|  |
| 900001326 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 41.86%, maximum of 85% allowed per guidelines. ; Verified housing payment history - 262 months of mortgage history paid 0x30, verified per credit report. ; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Estimated property costs over Year 1 of $xxx does not include estimated HOA fees of $xxx/mo or $xxx/yr. - 12/16/2024 - Recd PCCD and cover letter, 12 months property costs disclosed. US Mailbox Rule to be applied as no restitution is required. |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Missing Legal Description, Exhibit A attachment to mortgage. - 12/05/25 Copy of DOT w/the Exhibit A legal received.<br>CR 0004 Fraud Alert on Credit Report not addressed - Fraud report lists NMLS Regulatory Actions against the broker in the transaction. UW comment only states that "action over one year ago". Insufficient explanation provided. - 12/05/24 NMLS verification. Verification of of active status for the state of xx verified.<br>DEED 0007 Missing PUD Rider - Per first mortgage subject is located in a PUD. Missing PUD Rider to subject mortgage. Mortgage shows no PUD Rider was attached to mortgage. - 12/06/24 Executed PUD Rider received with letter of intent to Re-Record.<br>CRED 0093 Credit Documentation is Insufficient - Per final CD proceeds were used to payoff (government) debt. Missing (government) payoff statement to confirm debt is paid in full. - 12/05/24 (Government) Record of Account showing the amount owed to them to payoff taxes in full received. Amount owed matched payoff amount.<br>CRED 0113 Missing evidence of HOA Dues - Subject located in PUD based on prior mortgage. Per 1008 no HOA dues were included in qualifying. Fraud report includes estimated HOA dues. - 12/25/24 Verification of annual HOA fee received.<br>TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. - Duplicate of 0195<br>|  |
| 900001335 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 168 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 50%, maximum of 85% allowed per guidelines. ; |  |  | HCOST 0001 High Cost Failure - The loan fees ($xxx) exceed the (NJ) High Cost fee limit, which is ($xxx), the difference is ($xxx). - 12/12/2024 - Recd discount point fee disclosure; bonafide discount can be excluded.<br>CRED 0007 Missing Employment doc (VOE) - Missing reverification of employment for B1 dated within 30 calendar days prior to the Note date. (tax preparer) letter is dated > 30 days. <br>- 12/12/2024 - Recd CPA letter dated < 30 days prior to the note date.<br>|  |
| 900001347 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | FLOOD 0007 Missing Flood Insurance Cert. - Missing flood cert. (Appraisal reflects Zone X). - 12/02/2024 - Exception is cleared with the attached flood cert.<br>APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - 1003 and credit report DOB for B2 doesn't match state issued ID. - 12/16/2024 - Exception is cleared with the attached corrected 1003, B2 initial the change to the DOB.<br>CRED 0137 Missing W2(s) - Missing most recent two years W2s for B1. - 12/02/2024 - Exception is cleared with the attached most recent two years W2s for B1.<br>CRED 0091 Missing Tax Transcript(s) - Missing most recent two years Wage & Income transcripts for B1. - 12/02/2024 - Exception is cleared with the attached most recent two years tax transcripts.<br>CRED 0136 Missing Paystub(s) - Missing YTD pay stubs for B1. \*\* Final DTI is pending \*\* - 12/11/24 TPR Error, see CRED 0087 - Tax Returns/Transcripts are Insufficient.<br>CRED 0006 Missing Employment doc (VVOE) - Missing verification of employment for B1 to verify current employment and start date per 1003. - 12/10/24 SOS completed xx/xx/xx received.<br>CRED 0087 Tax Returns/Transcripts are Insufficient - Missing copy of most recent two years personal and business returns with any applicable K1s. - 12/19/2024 - Recd most recent two years personal and business tax returns. Transcripts were previously provided xx/xx.<br>|  |
| 900001394 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B2 has xxx yrs verified w/current employer.; Verified housing payment history - First lien verified 0x30x46.; |  |  | HUD 0028 Loan Disbursement Date and Interest From on HUD do not match - Final CD (date) reflects a disbursement (date) with interest from date of (date). - 01/15/2025 - Recd wire information to confirm loan proceeds were disbursed to borrower (date). No prepaid interest was collected (date to date). Due to the HI Good Funds Law the settlement agent records and disburses 2 days after the loan is funded.<br>APPR 0020 Missing Property Condition - Missing exterior property inspection report. PCI must indicate average condition or better. - 12/16/2024 - Recd property condition report, condition is indicated to be good.<br>|  |
| 900001397 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 18.13% DTI, maximum of 45% allowed. ; Verified credit history - 790/814 qualifying credit scores, minimum required of 680. No derogatory credit. ; |  |  | TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing borrower rate lock agreement to confirm pricing. COC file reflects rate locked (date) at 7.875% with origination credit of 0.563%. Re-disclosed CDs disclosed credit 0.0563%. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Loan Estimate sent on xx/xx, ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - 12/16/2024 - Recd response from investor, "There is rate lock, issued (date) and shows the price adj of .xxx for the program exception on the rate lock, that coincides with the amount of the lender credit reduction. The CoC reflects, revisions requested by the consumer, and CD was issued within 3 days of the CoC". Exception approval previously presented on (date) to support. <br>DEED 0007 Missing PUD Rider - Per prior mortgage subject was located in a PUD. Missing PUD Rider to current mortgage. Mortgage does not indicate that PUD Rider was attached. - 01/03/2025 - Recd corrective DOT with PUD Rider and letter of intent to record.<br>CRED 0133 HOA Payment is not verified - Per prior mortgage subject was located in a PUD. 1008 stated HOA dues of $xxx/mo which was not verified. - 12/17/2024 - Recd billing statement for upcoming year; borrower name, account number and address listed. <br>|  |
| 900001310 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - 775 qualifying credit scores, minimum required of 700. No derogatory credit. ; Verified housing payment history - 130 months of mortgage history paid 0x30, verified per credit report. ; | TRID 0148 LE or CD is Deficient - Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>- EV2/B - Non-Material. |  |  |  |
| 900001346 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has a verified mortgage pay history of 0x30x45 which exceeds minimum 24 month history.; Disposable Income - Borrower has $xxx in disposable income.; | PROP 0002 Property Type is prohibited - Subject property is a suburban property with agricultural zoning. Appraiser noted subject is not considered agricultural. Investor approved exception for rural property. - EV2/B - Investor Acknowledged Exception. |  | APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. 1008 used for ratios. - 12/17/2024 - Recd loan approval.<br>|  |
| 900001312 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 780 Credit score exceeds minimum 700 required per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; |  |  | TRID 0044 Intent To Proceed Date < Loan Estimate Presumed Received Date - Unable to confirm receipt of initial LE due to tracking information is obscured by Lender's name on page xxx. Missing disclosure tracking evidencing delivery to borrower was completed xx/xx. -- The Loan Estimate was provided or mailed on (xx/xx/xx). Since it was not provided in person, a consumer is considered to have received the Loan Estimate on (xx/xx/xx), which is after (xx/xx/xx); the date the consumer indicated an intent to proceed with the transaction. A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) - 12/10/24 Disclosure tracking confirming borrower receipt of initial disclosures on xx/xx/xx received.<br>|  |
| 900001331 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 61.12% CLTV is below 80% maximum per guidelines.; Low DTI - 35.54% DTI is below 45% maximum per guidelines.; |  |  | TRID 0047 Document Intent to Proceed with the Transaction - Missing intent to proceed. You did not submit an Intent to Proceed Date, which represents the date the consumer acknowledged their intent to proceed with the transaction described by the Loan Estimate. The creditor must document this communication to satisfy the requirements of xxx. Neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) - 12/13/2024 - Recd ITP.<br>TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. - Duplicate of 0195<br>APRV 0001 Missing Underwriter Loan Approval - Missing loan approval/underwriting decision. Only 1008 provided. - 12/16/2024 - Recd conditional loan approval.<br>ROR 0001 Missing Right of Rescission - Missing ROR. - 12/13/2024 - Recd ROR.<br>RESPA 0029 Missing Homeownership Counseling Disclosure - Missing homeownership counseling disclosure. - 12/13/2024 - Recd homeownership counseling disclosure.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for increase in the discount fee from $xxx to $xxx. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on 11/5: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 12/16/2024 - Exception is cleared with the attached COC report, loan amount increased driving the loan discount to increase.<br>DEED 0037 All title holders did not execute the Mortgage/DOT - Missing grant deed transferring property from Trust to the individual borrowers. - 12/16/2024 - Recd warranty deed transferring title from trust to borrowers individually.<br>COMP 0010 Missing Affiliated Business Disclosure - Missing affiliated business disclosure or evidence that the lender does not have any affiliated business relationships to disclose. - 12/13/2024 - Recd lender attestation confirming that there are no affiliated business relationships to disclose, thus no ABD required.<br>TRID 0135 No proof borrower(s) can receive documents via the electronic method as intended - Missing borrower eConsent. Evidence of esign in file. - 12/13/2024 - Recd disclosure tracking reflecting eConsent date (RESPA 0029)<br>|  |
| 900001373 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Established credit history - Open, active credit dates back xxx years with no reported default.; Verified ownership of subject property - Borrowers have owned the subject property xxx years.; Verified employment history - Both borrowers have been with their current employers xxx years.; Verified reserves - 2 months reserves or $xxx required, net cash out proceeds after (creditor) balance 37.26 months or $xxx.; | TRID 0148 LE or CD is Deficient - CD does not indicate the reason for not having an escrow account. - EV2/B Non-material<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD does not reflect the estimated property costs over year 1 or any estimated taxes, insurance, and assessments. 1st mortgage is escrowed, but per the mortgage statement only for property tax is escrowed, not the $xxx insurance premium. - 12/20/2024 - Recd PCCD and cover letter. US Mailbox Rule applied. |  | CRED 0097 Missing Verification of Liability (Contingent or Otherwise) - Missing verification of the (car lease) $xxx/month reflected on borrower 1's application, but not on the credit report. - 12/11/24 Finding cleared, TRP error.<br>HAZ 0001 Missing Hazard Insurance Proof of Premium - Hazard insurance is not escrowed on the first mortgage, evidence of insurance does not address the payment status or balance due. - 12/16/2024 - Exception is cleared with the attached payment notification, borrower is paying the premium in installments.<br>TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - No evidence of receipt for the xx/xx Loan Estimate. Disclosure not signed, no electronic tracking or acknowledgement of receipt in the file. -- A revised Loan Estimate was provided on (xx/xx) via (U.S. Mail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (xx/xx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xx/xx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xx/xx). (12 CFR 1026.19(e)(4)(ii)) - 12/10/24 Disclosure tracking confirming borrower receipt on xx/xx/xx received.<br>|  |
| 900001333 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Established credit history - Open active credit dates back to xxx years with no reported default.; Verified reserves - 2 months reserves or $xxx required, 22.38 months or $xxx received from cash out proceeds.; |  |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing final CD, subject is in a dry funding state and only the CD signed at closing is in the file. - 12/23/2024 - PCCD with updated disbursement date recd<br>APRV 0003 Missing Loan Approval Date - Missing Loan Approval, only the unsigned 1008 is in the file. - 12/23/2024 - Recd conditional approval.<br>CR 0004 Fraud Alert on Credit Report not addressed - The credit report includes an extended fraud alert, missing evidence this was addressed prior to extending credit. - 12/23/2024 - Recd Processor Cert confirming application with the borrower.<br>CRED 0004 Back-end Ratio exception (DTI) - Review DTI is 70.72%, approved as 28.659% per the 1008. Qualifying income does not appear to take into account that the borrower's percentage of ownership is only 33.33% per the (tax preparer) letter, as the figure used is 50% of the total average eligible deposits from the bank statement calculator.<br>- 12/23/2024 - Recd additional account for bank statement income<br>|  |
| 900001303 | XXXX | Approved | 2 | 1 | 2 | 2 |  |  |  | Verified housing payment history - Borrower has mortgage history of 0x30x66 which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 55.04% CLTV is below 75% maximum per guidelines.; | COND 0011 Non-Warrantable Condominium - Subject property is non-warrantable due to the deductible being 9% on all perils instead of the required 5% on warrantable condos. Approved exception on page xxx. - EV2/B Investor Acknowledged Exception on page xxx.<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2/B Non-Material |  |  |  |
| 900001339 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - 813 Credit score exceeds minimum 700 per guidelines.; Verified housing payment history - Borrower has verified mortgage history of 0x30x45 which exceeds minimum 0x30x24 required per guidelines.; | TRID 0148 LE or CD is Deficient - Escrow account section on final CD is incomplete. No reason given for not having an escrow account. - EV2/B Non-Material |  | CRED 0072 VVOE dated outside of required timeframe - Missing verbal verification of employment dated within 10 business days of note date. - 12/12/2024 - Recd 3rd Party VOE.<br>APRV 0003 Missing Loan Approval Date - Missing loan approval/underwriting decision. - 12/11/24 Lender loan approval received.<br>|  |
| 900001325 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x83 which exceeds minimum required 0x30x24.; Low DTI - 26.79% DTI is below 45% maximum per guidelines.; |  |  | CRED 0133 HOA Payment is not verified - HOA Payment is not verified. No documentation of HOA expense in the file. - 12/11/2024 - Recd HOA statement.<br>|  |
| 900001327 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 736 Credit score exceeds minimum 680 per guidelines.; Low DTI - 36.67% DTI is below 45% maximum per guidelines.; | CRED 0001 Unacceptable Mortgage History - Discrepancy between the VOM and Credit Report not addressed. Credit report reflects 1x30 xx/xx. VOM reflects no late payments. Guideline requires 0x30x24 mortgage history. - Investor Acknowledged Exception based on the following comp factors: Full doc<br>736 FICO<br>54.19% CLTV<br>36.62% DTI |  |  |  |
| 900001316 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 36.18% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx disposable income.; |  |  |  |  |
| 900001396 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - 2 months PITI reserves required; proceeds used for reserves. 43 months of PITI reserves verified. ; Low DTI - 24.51% DTI, maximum of 45% allowed. ; Verified housing payment history - 197 months of mortgage history paid 0x30, verified per credit report. ; | CRED 0082 Income Documentation is Insufficient - Missing signed Business Narrative meeting investor guidelines. - Investor Acknowledged Exception. |  | TRID 0137 Cannot Reconcile LE / CD Versioning - COCs have no corresponding disclosure in file. - 12/31/2024 - Posted response confirms that all disclosures issued to borrower were received for review.<br>CRED 0104 Missing Letter of Explanation - Missing credit inquiry letter addressing 8 inquiries noted in the past 90 days. - 12/17/2024 - Recd borrower signed credit inquiry letter confirming no new debt was obtained.<br>COLL 0001 APN Number is not listed on Security Instrument - APN and legal description is not listed on Mortgage. - 12/17/2024 - Recd recorded Mortgage with legal description attached, thus satisfactorily identifying the subject property.<br>|  |
| 900001381 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job xxx years and Borrower 2 has been on current job xxx years.; Low DTI - 31.04% DTI is below 45% maximum per guidelines.; | PROP 0002 Property Type is prohibited - Subject property is rural property which requires prior approval. Approved exception in file. - EV2/B Investor Acknowledged Exception |  | TRID 0137 Cannot Reconcile LE / CD Versioning - Missing LE or CD that corresponds with the COC (date) for Rate Change. - 01/07/2025 - Recd lender attestation confirming no LE was issued xx/xx.<br>|  |
| 900001305 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 54.73%, maximum of 75% allowed per guidelines. ; Verified housing payment history - 106 months of mortgage history paid 0x30, verified per credit report. ; |  |  |  |  |
| 900001357 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Verified credit history - 778 Credit score exceeds minimum 700 required per guidelines.; |  |  | CRED 0044 Unacceptable transaction type - Guidelines require that borrowers on the senior lien must be the same as on the second lien. Borrower's spouse is not on the subject loan but is on the senior lien. No Investor acknowledgment located in file. - 12/12/2024 - Investor variance on file for seller<br>CRED 0096 Missing proof of PITI payment on non-subject property - Missing verification of HOA fees for non-subject REO. Property is reported as xxx per the Total Review Report in file. - 12/20/2024 - Recd borrower signed letter confirming no HOA fees for non subject REO. Review online search reflects xxx not subject to any HOA fees.<br>|  |
| 900001334 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 2 months PITI reserves required. 15.6 months PITI reserves confirmed from loan proceeds. ; Verified credit history - 773 qualifying credit scores, minimum required of 700. No derogatory credit. ; | APRV 0010 Underwriting Loan Approval is Deficient - Review DTI 22.75% / Approved DTI 26.63, variance > 3%. - EV2/B Non-material, DTI < Max 45%. |  | APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - 1003 states borrower has lived at current residence for 2 years. Appraisal, title, and fraud report confirm purchase of the subject 1 yr and 5 mths as of the application date. Missing complete 2 years residence history. - 12/16/2024 - Recd updated 1003 reflecting complete 2 years housing history. Change was made to match the documentation in file, thus no borrower signature required as the correction is deemed non-material.<br>APPR 0076 Appraisal Discrepancy - Appraisal prepared for (mortgage company). Transfer letter does not list to whom appraisal was being assigned. - 12/13/2024 - Transfer letter is addressed to lender.<br>APRV 0003 Missing Loan Approval Date - Missing final lender approval with approval date. - 12/13/2024 - Recd underwriting decision. <br>COND 0010 Missing Lender Project Condo Classification - No Condo documents provided. Only Master Insurance policy provided. - 12/13/2024 - Recd lender project approval that indicates agency approved.<br>|  |
| 900001304 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has a 0x30 verified housing payment history for 99 months, guidelines require 24 months.; Disposable Income - Borrower has $xxx in disposable income.; |  |  |  |  |
| 900001307 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 30.88% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower has been on current job xxx years.; |  |  |  |  |
| 900001313 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 29.24% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower has been on current job xxx years.; |  |  |  |  |
| 900001314 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified ownership of subject property - Borrower has owned property xxx years.; Verified employment history - Borrower has been on current job xxx years.; |  |  |  |  |
| 900001315 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has xxx years on job.; Verified housing payment history - Borrowers have verified housing history of 0x30 for 55 months which exceeds minimum 24 months required by guidelines.; |  |  |  |  |
| 900001336 | XXXX | Funded | 2 | 1 | 1 | 2 |  |  |  | Verified credit history - 763 Credit score exceeds minimum 700 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | APPR 0076 Appraisal Discrepancy - AVM is missing information as to bedroom/bathroom count, size of lot and square footage of home. - EV2/B - Recd post-consummation dated drive by BPO with missing data. |  |  |  |
| 900001337 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Verified housing payment history - Borrower has verified housing history of 0x30 for 44 months which exceeds minimum 24 months.; | TRID 0148 LE or CD is Deficient - Escrow account section on final CD dated xx/xx/xx does not disclose if the lender did not offer an escrow account or if the borrower declined it. - EV2 / B Non-Material |  |  |  |
| 900001384 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Disposable Income - Borrower has $xxx in disposable income.; Verified credit history - 729 Credit score exceeds minimum required 700 per guidelines.; | TRID 0148 LE or CD is Deficient - Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>- EV2 / B Non-Material |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval. Only the 1008 was in file. - 12/17/24 - Recd conditional approval.<br>TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing the disclosure tracking to verify date of receipt of final LE. E signage at top of the page is obscured by Lender's Logo. - 12/17/2024 - Recd disclosure tracking, timing requirements met.<br>DEED 0013 Missing Second Home Rider - Second home rider not in file. - 12/17/2024 - Recd executed copy of the second home rider.<br>|  |
| 900001324 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 28.22% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2/B Non-Material |  |  |  |
| 900001330 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Low DTI - 19.11% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001360 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Low LTV/CLTV/HCLTV - 66.87% CLTV is below 80% maximum per guidelines.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. Used 1008 for ratios. - 12/17/2024 - Recd conditional approval.<br>|  |
| 900001380 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 24 months satisfactory housing payment history required, borrowers have 227 reporting in their credit history; Verified credit history - FICO 756, minimum required 680; |  |  | APRV 0003 Missing Loan Approval Date - Missing Loan Approval, only the unsigned 1008 is in the file - 12/18/2024 - Recd conditional approval.<br>|  |
| 900001329 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Low DTI - 26.63% DTI is below 45% maximum per guidelines.; |  |  |  |  |
| 900001332 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 66.12% CLTV is below 80% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | CRED 0044 Unacceptable transaction type - Guidelines require the borrowers on the senior lien match the borrowers on the second lien. Borrower spouse is on the senior lien but did not sign on this transaction. - EV2/B - Investor Acknowledged Exception |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval/underwriting decision. Only 1008 provided. - 12/19/2024 - Recd conditional approval.<br>|  |
| 900001368 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - 768 Credit score exceeds minimum 700 required per guidelines.; Verified housing payment history - Borrowers have 48 months verified mortgage history of 0x30 which exceeds minimum required 24 months.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-Material |  | CRED 0004 Back-end Ratio exception (DTI) - 48.28% DTI exceeds maximum 45% per guidelines. For borrower 2, lender used year to date income; however borrower works varied hours and the year to date is higher than the last 2 years. OT and bonus income is declining as well. Review used year to date and prior year to be more reflective of borrowers true income.<br>Provide sufficient documentation to support rental income. Lease in file (non-subject REO), is for borrower's son who was was claimed as a dependent in (previous year). The 1007 in the file does not indicate the the property is currently rented. No documentation of receipt of rent is provided in the file. DTI increases to 78.79% with rental income excluded. - 12/19/2024 - TPR set in error, installment liability paid at closing was to be excluded. Refer to CRED 0082, DTI increases to 73.56% with rental income excluded.<br>CRED 0082 Income Documentation is Insufficient - Lease in file (non-subject reo), is for borrower's son who was was claimed as a dependent in (prior year). The 1007 in the file does not indicate the the property is currently rented. No documentation of receipt of rent is provided in the file. DTI increases to 73.56% with rental income excluded. - 12/31/2024 - Recd revised 1007 documenting rental income as listed on lease agreement in file.<br>TRID 0089 Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 - Lender did not include the Rent Schedule Fee in the Finance Charge Total. -- The disclosed finance charge ($xxx) is ($xxx) below the actual finance charge ($xxx). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $xxxbelow the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - 01/03/2024 - Initial compliance submission run with the incorrect fee naming, Rent Schedule Fee. Actual fee, Appraisal Fee for non-subject REO qualifying with rental income.<br>CR 0004 Fraud Alert on Credit Report not addressed - 1. xxx<br>2.(Escrow company) potentially on watch list.<br>- 12/19/2024 - Recd updated fraud report, Part 1 of the exception no longer identified as a fraud finding and cleared comments captured for watch list match.<br>|  |
| 900001385 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves required, borrower is receiving $xxx or 5.65 months PITIA reserves in cash out proceeds.; Verified credit history - FICO 776, minimum required 680.; |  |  | TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing the disclosure tracking for the latest issued LE. Document tracking is obscured. Unable to determine receipt to borrower. - 01/03/2025 - Recd disclosure tracking for latest issued LE.<br>APRV 0003 Missing Loan Approval Date - Missing lender approval, only the unsigned 1008 is in the file. - 01/03/2025 - Recd conditional approval. <br>|  |
| 900001319 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Borrower has 36 months of 0x30 mortgage history which exceeds minimum 24 months required.; Verified employment history - Borrower has been on current job xxx years.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2/B Non-Material |  | APRV 0001 Missing Underwriter Loan Approval - Loan approval not in file. 1008 used for ratios. - 12/23/2024 - Recd UW Approval<br>|  |
| 900001322 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 37.27% DTI is below 45% maximum per guidelines.; Low LTV/CLTV/HCLTV - 69.61% CLTV is below 75% maximum per guidelines.; |  |  |  |  |
| 900001351 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been on current job for xxx years.; Verified occupancy in subject property - Borrower has owned subject property xxx years.; | TRID 0148 LE or CD is Deficient - Escrow account section on final CD is incomplete. No reason given for not having an escrow account. <br>- EV2 / B Non-Material<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD xx/xx/xx 10.923%<br>CD xx/xx/xx 10.675%.<br>Reduction 0.248%. - EV2 / B Non-Material as the APR decreased which is a benefit to the borrower. |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval. Unable to verify approval dates or Correspondent Channel (Delegated or Non-Delegated) - 12/26/2024 - Recd underwriting decision.<br>DMND 0002 Payoff/Demand Statement has a discrepancy in the data - Authorization to close HELOC (creditor) was not executed by borrower. - 01/06/2025 - Recd borrower executed authorization to close the HELOC.<br>|  |
| 900001328 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 781 Credit score exceeds minimum 680 required per guidelines.; Low DTI - 41.58% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001420 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 34.17% DTI is below 50% maximum per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; |  |  | CRED 0093 Credit Documentation is Insufficient - Provide documentation of Solar expense as they are not disclosed on the 1003 or credit report. - 01/15/2025 - Recd solar power service agreement, 1008, and updated 1003. Change to the 1003 is not deemed material, thus no borrower signature required. Fixed solar payment includes guaranteed kWh output.<br>APRV 0003 Missing Loan Approval Date - Missing lender loan approval. - 01/06/2025 - Recd updated underwriting conditional approval.<br>|  |
| 900001340 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with (Company) for xxx years as verified via The Work Number.; Verified reserves - File contains proof of 15 months of verified reserves when guidelines required 2 months.; |  |  |  |  |
| 900001349 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 784 Credit score exceeds minimum 680 per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; | PROP 0002 Property Type is prohibited - Subject property is rural property which requires approval prior to closing. Approved exception on page xxx. - Investor Acknowledged Exception |  | CRED 0091 Missing Tax Transcript(s) - Missing (most recent two years) Wage and Income transcripts for B1/B2. - 12/27/2024 - Recd B2 wage / 1099 transcripts for most recent two years. 1099 income is non-taxable, thus not reporting.<br>|  |
| 900001354 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 779 Credit score exceeds minimum 680 score required per guidelines.; Low DTI - 33.70% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001424 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - File contains proof of 36 months of verified reserves when guidelines require 2 months.; Verified housing payment history - 99+ months of mortgage history paid 0x30 verified on credit report for past 12 years.; |  |  | PROP 0003 Missing Required Property Inspection - NEW 1/14/2025 - Subject is located in a (government agency) declared disaster area. Missing Post disaster property inspection to confirm subject was not impacted. - 02/03/2025 - Recd PDI confirming no damage.<br>|  |
| 900001350 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 51.709% CLTV is below 85% maximum per guidelines.; Verified housing payment history - Borrowers have verified mortgage history of 0x30 for 42 months which exceeds minimum 24 months per guidelines.; |  |  | RESPA 0029 Missing Homeownership Counseling Disclosure - Missing Homeownership Counseling Disclosure issued w/in 3 business days of the initial app date. - 12/26/2024 - Recd homeownership counseling organization list issued within 3 business days of the application date.<br>COMP 0035 Affiliated Business Disclosure Not Provided Within 3 Business Days of Application - Missing copy of initial ABD issued w/in 3 business days of the initial app date. Initial ABD in file is dated (date). - Recd disclosure tracking evidencing that the ABD was sent to borrower in the initial disclosure package. <br>|  |
| 900001364 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 86 months of mortgage history paid 0x30 on credit report since 05/2013.; Verified employment history - Borrower has been employed with (employer) for xxx years as verified via The Work Number. ; |  |  | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - PC CD (date) disclosed Estimated Property Costs over Year 1 of $xxx. Review calculated $xxx (HOI $xxx/ Taxes $xxx). - 01/07/2025 - Exception is cleared with the attached posted response and copies of both insurance policies for subject property. Property costs match with both insurance policy premiums considered.<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - File contains copies of the following for tolerance cure for fees over the legal limit: PCCD (date), LOE to borrower, refund check in the amount of $xxx, Stamped envelope addressed to borrower. Since the refund was not sent via trackable delivery, lender to provide copy of cancelled check to verify borrower receipt OR a new refund will have to be issued and sent via trackable delivery. - 01/07/2025 - Per TRID Grid 4.0, Other than cures for material disclosure exceptions on loans subject to rescission which require evidence of consumer receipt, if the remediation was performed post closing and prior to the TPR file review, the TPR would not require proof of delivery of receipt. <br>--Tolerance violation is not considered material requiring rescission period to be reopened, thus evidence of delivery is not required as the cure was performed (date) prior to TPR review (date).<br>TRID 0123 Missing Evidence of Re-disclosure and a valid COC for the total amount of the 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. <br>|  |
| 900001370 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 30 months of verified reserves when guidelines required 2 months; Low DTI - Low DTI of 28.99%.; |  |  |  |  |
| 900001376 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low DTI - 37.46% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | APRV 0010 Underwriting Loan Approval is Deficient - Approved DTI 34.55% / Review DTI 37.46%, variance > 3% due property costs on primary residence not considered. - EV2/B Non-Material, DTI < 50% Max Allowed. |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval. 1008 only in file pg xxx. - 12/26/2024 - Recd conditional loan approval.<br>DEED 0013 Missing Second Home Rider - Second Home Rider is not in file. - 12/26/2024 - Recd 2nd home rider.<br>|  |
| 900001383 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with (present employer) for xxx years as verified per WVOE.; None - 45 months of verified mortgage payments on credit report over 3+ years.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material<br>TRID 0134 Missing E-Sign Disclosure - E-Sign Disclosure is not in file. - EV2/B Non-Material |  | TRID 0161 Missing Evidence of valid COC for interim disclosed Loan Estimate/Closing Disclosure. - Missing COC for addition of Loan Discount Fee of $750 on initial CD. - 01/06/2025 - Recd COC; value and rate changed, discount fee added and lender credit removed. <br>TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing COC for removal of General Lender Credit of $xxx from the LE to the CD. - 01/06/2025 - Recd COC; value and rate changed, discount fee added and lender credit removed. <br>COMP 0010 Missing Affiliated Business Disclosure - ABD is not in file. FACTs Disclosure is not in file. Providers are national level companies, did not test as affiliates. - 12/23/2024 - Recd lender attestation confirming missing ABD is due to no affiliated business relationships.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - 1) Missing COC for the increase in loan discount from $750 to $1,125 on the initial CD pg 85.<br>2) Missing COC for decrease in loan discount on the CD dated xx/xx/xx to $xxx. (per discount point fee disclosure discount is bona fide)<br>- 12/23/2024 - Finding cleared with COC for interim CD increasing the loan discount due to DTI > 45%.<br>|  |
| 900001387 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Borrower has owned business for over xxx years.; Disposable Income - Borrower has $xxx in disposable income.; | CRED 0082 Income Documentation is Insufficient - Missing business narrative, required for bank statement loans. - EV2/B Investor Acknowledged Exception |  |  |  |
| 900001355 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 804 Credit score exceeds minimum 700 per guidelines.; Low LTV/CLTV/HCLTV - 58.52% CLTV exceeds maximum 80% per guidelines.; |  |  | APRV 0003 Missing Loan Approval Date - Missing lender approval, only the unsigned 1008 is in the file. - 12/24/2024 - Recd conditional loan approval.<br>|  |
| 900001393 | XXXX | Funded | 2 | 2 | 2 | 2 |  |  |  | Established credit history - 774 Credit score exceeds minimum 680 required per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; | CRED 0091 Missing Tax Transcript(s) - Missing tax transcripts for (most recent two years). - 01/23/2025 - Investor Acknowledged Exception<br>APPR 0030 Lender Review Variance is not within tolerance. - 1) AVM has a FSD core of .20 which exceeds the maximum allowed .10 per guidelines. Additional valuation supporting value is required.<br>2) Missing PCI indicating average condition or better. - 01/23/2025 - Investor Acknowledged Exception<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - CD did not include the hazard insurance payment in the estimated property costs over year 1. <br>Property Costs:<br>$xxx Tax<br>$xxx Insurance<br>Total $xxx x 12 = $xxx Property Costs Over Year 1 - 01/08/2025 - Finding downgraded to EV2/B with attached cover letter addressed to borrower for PCCD presented xx/xx. US Mailbox Rule to be applied, no restitution required.<br>APRV 0010 Underwriting Loan Approval is Deficient - Review DTI 43.31% / Approved DTI 39.64%, variance > 3% due to insurance payment not considered in qualifying. - EV2/B Non-Material, Max Allowed 45%. |  | TXEQ 0023 Texas 50(a)(6) Loan Fees Exceed the Permissible Fee Limitation. - Fees exceed tolerance by $xxx. - 01/22/25 Discount verified as Bona Fide. System cleared upon resubmission excluding the bona fide discount of $xxx<br>TXEQ 0021 Missing Designation of Homestead - Missing Designation of Homestead. - 01/03/2025 - Designation of homestead is incorporated in the TX Home Equity Affidavit and Agreement.<br>TXEQ 0020 Missing TX Home Equity Acknowledgment Regarding Voluntary Repayment of Existing Debt - TX Home Equity Acknowledgment Regarding Voluntary Repayment of Existing Debt not in file. - 01/03/2025 - Recd TX EQ Affidavit and Agreement, Section D. <br>TRID 0047 Document Intent to Proceed with the Transaction - Missing Intent to Proceed - 01/10/25 ITP received.<br>|  |
| 900001436 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - Borrower has been with current job at (employer) for xxx years.; Minimal outstanding debt - Borrower only has $xx in consumer debt after closing.; | CRED 0004 Back-end Ratio exception (DTI) - Borrower has a 716 credit score which does not meet the minimum 720 required for 50% DTI. 49.30% DTI exceeds maximum 45% per guidelines.<br>In addition the $xxx disposable income does not meet the minimum $xxx required for 50% DTI. - EV2/B Investor Acknowledged Exception<br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated (date) does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-Material<br>CRED 0121 Loan disbursed prior to loan transaction date. - Final CD disbursement is listed as (date) and Interest From is listed as (date). Missing dry funding CD. - 01/13/2025 - Exception is downgraded to EV2/B with the attached PCCD, cover letter, refund check $xxx, with courier tracking receipt to evidence cure package is in transit within 60 days from discovery. <br>APPR 0044 HPML Appraisal Requirements are Not Met - Title XI compliance statement not included in the appraisal. - EV2/B Non-Material |  | COMP 0010 Missing Affiliated Business Disclosure - Missing affiliated business disclosure or lender attestation that there are no affiliated business relationships to disclose. - 12/30/2024 - Recd ABD.<br>PROP 0003 Missing Required Property Inspection - NEW 1/14/2025 - Subject is located in a FEMA declared disaster area. Missing Post disaster property inspection to confirm subject was not impacted. - 01/31/2025 - Recd PDI confirming, "Property is in good condition. Free & clear of disaster related damage. Neighborhood is Free & Clear of disaster related damage. Subject's value and marketability are not affected by disaster."<br>CRED 0091 Missing Tax Transcript(s) - Missing wage transcripts for (employer) for (most recent two years). - 12/30/2024 - Recd two years wage transcripts.<br>|  |
| 900001392 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job xxx years.; Low DTI - 28.45% DTI is below 50% maximum per guidelines.; | PROP 0002 Property Type is prohibited - Rural property requires prior approval before closing. File is missing evidence property was approved. - Investor Acknowledged Exception |  | APRV 0001 Missing Underwriter Loan Approval - Missing loan approval/underwriting decision. Only 1008 provided in file. - 12/30/2024 - Recd underwriting conditional approval.<br>TRID 0135 No proof borrower(s) can receive documents via the electronic method as intended - Missing eConsent. - 12/27/2024 - Recd technology consent.<br>|  |
| 900001338 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 29.98% DTI is below 45% maximum per guidelines.; Disposable Income - Borrower has disposable income of $xxx.; |  |  |  |  |
| 900001341 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have 48 months of 0x30 housing payment history which exceeds minimum 24 months required per guidelines.; Verified credit history - 787 Credit score exceeds minimum 720 required per guidelines.; |  |  |  |  |
| 900001362 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 15 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 99+ months of verified mortgage history paid 0x30 with 19 years reported.; |  |  |  |  |
| 900001363 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 8 months of verified reserves when guidelines required 2 months.; None - 99+ months of verified mortgage history paid 0x30 reported over xxx years.; |  |  | TITL 0014 Title Policy - Schedule B Exception - Title to confirm Schedule B title exception #11 does not impact 2nd lien position. - 01/08/2025 - Recd confirmation from title that Schedule B title exception #11 does not impact 2nd lien position.<br>|  |
| 900001422 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - File contains proof of 17 months of reserves when guidelines required two months.; Verified employment history - Borrower has been employed for xxx years with (employer) per written VOE.; | TRID 0171 Missing valid Change of Circumstance(s) - Missing COC for LE (date). Loan amount increased, rate locked, appraisal fee added. - 01/23/2025 - EV2/B Recd PCCD, cover letter, refund check $xxx, and courier tracking receipt to evidence cure package is in transit to borrower within 60 days of consummation. |  |  |  |
| 900001377 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 36 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with (employer) for xxx years as a (title) as verified per WVOE.; |  |  |  |  |
| 900001352 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 24 months of verified reserves when guidelines required 2 months.; Loan Term < or = 15 year - Low fixed rate 15 year amortization.; |  |  |  |  |
| 900001365 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have lived in and owned the subject property for xxx years per loan file documentation.; Verified housing payment history - xxx months of verified mortgage history paid 0x30 reported over xxx years.; |  |  |  |  |
| 900001426 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 69 months of verified reserves when guidelines require 2 months.; Verified occupancy in subject property - Per loan file documentation, borrower has lived in the subject property for xxx years.; | TRID 0148 LE or CD is Deficient - CD does not indicate whether an escrow account was declined or if lender did not offer one. - EV2/B Non-Material, 1st lien escrowed. |  | TITL 0013 Title Policy - Schedule A Exception - Addendum to title commitment is needed to correct vesting - borrowers spouse, (name) is deceased and needs to be removed from vesting. - 01/03/2025 - Recd confirmation for title agent that final title policy has not yet been issued and that there are requirements in place to remove deceased spouse from vesting. <br>CRED 0087 Tax Returns/Transcripts are Insufficient - Missing (most recent year) 1099 transcripts. - 01/27/2025 - Recd most recent year wage/1099 transcript.<br>|  |
| 900001388 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 20 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 99 months of mortgage history paid 0x30 reported over 14+ years per credit report.; |  |  |  |  |
| 900001353 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 26 months of verified reserves when guidelines required 2 months.; Low DTI - Low DTI of 34.22% (Max 45%).; |  |  |  |  |
| 900001366 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 29 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with the State of xxx for xxx years per written VOE.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2/B Non-Material |  |  |  |
| 900001423 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 12 months of verified reserves when lender guidelines required 2 months.; Verified occupancy in subject property - Borrower have lived in subject property for xxx years as verified per 1003 and CBR.; |  |  | TITL 0003 Title Issue affecting Lien Position - Credit report reflects an existing mortgage/possible second lien originated (date) with (creditor #) in original amount of $xxx/$xxx month. No evidence in file of satisfaction and it is not reflected on preliminary title. - 01/14/2025 - Recd billing statement with credit supplement, home improvement patio cover installment liability is not reflected on the title commitment.<br>TITL 0014 Title Policy - Schedule B Exception - Missing solar lease agreement. Only solar disclosure provided. - 01/24/2025 - Recd solar power purchase agreement.<br>NOTE: Roof is only warranted against leaks from the system installation for 10 years by installer. However, roof impacted by the system will be substantially returned to it's original condition upon removal of the system. Agency requirements met.<br>|  |
| 900001359 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 10 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 99 months of mortgage history paid 0x30 since xx/xxxx per CBR.; |  |  |  |  |
| 900001367 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 14 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrowers have occupied the subject property for xxx years per 1003.; |  |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for initial CD for the added discount fee of $xxx and the removal of the lender credit of $xxx. - 01/06/2025 - Recd COC, appraisal value came in lower than expected.<br>|  |
| 900001369 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job xxx years on job.; Low DTI - 19.95% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001371 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 16 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed for xxx years with (employer) as a (title) per WVOE.; |  |  |  |  |
| 900001372 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Verified housing payment history - Borrower has verified housing payment history of 0x30x58 which exceeds required 0x30x24 per guidelines.; | COND 0002 Condo Documentation is Insufficient - Missing required 1076 or condo project questionnaire as required on all attached condos. Only the FNMA PERS approval was provided in file. - Investor Acknowledged and Accepts PERS approval of Project in lieu of questionnaire. |  |  |  |
| 900001378 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - 6 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 99 months of housing payments paid 0x30 since xx/xxxx per CBR.; | APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - Missing corrected final 1003 with updates initialed/acknowledged by borrower. Declarations on both 1003s are marked as will not occupy as primary residence. - EV2/B Non-Material, Affidavit of Occupancy reflects primary which is supported by documentation in file. |  |  |  |
| 900001379 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 52 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with (company) in (position) for xxx years.; Verified housing payment history - 95 months of verified mortgage history paid 0x30 since xx/xx.; |  |  |  |  |
| 900001386 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Verified reserves - Borrower has 25.18 months reserves; guidelines do not require any reserves on this loan.; |  |  |  |  |
| 900001356 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 17 months of verified reserves when guidelines required 2 months.; Low DTI - Low DTI of 28.26%.; |  |  |  |  |
| 900001358 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 11 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self employed and owner (business) as an (job title) for 10 years per (verification of self-employment).; |  |  | PROP 0013 Missing evidence of recorded Private Road Mainenance Agreement - Appraisal and title reflect the subject to be located on a private road. Appraiser did not address if the road was maintained by the HOA. Missing updated appraisal with comments addressing the road maintenance or a copy of Private Road Maintenance Agreement. - 01/06/2025 - TPR set in error. Refer to pg xxx, maintained by HOA.<br>|  |
| 900001427 | XXXX | Funded | 2 | 2 | 1 | 2 |  |  |  | Low LTV/CLTV/HCLTV - 71.37% CLTV is less than the maximum 80% allowed per guidelines.; Verified credit history - 773 Credit score exceeds minimum 700 required per guidelines.; | CRED 0091 Missing Tax Transcript(s) - Missing required wage transcripts for (most recent two years) - Investor Acknowledged Exception - Comp Factors:<br>Full doc<br>784 FICO<br>$xxx LA<br>$xxx Value <br>71.45% CLTV<br>40.83% DTI<br>AVM 89% confidence/0.11 FSD<br>Paid as agreed mortgage history reporting on CR since (year)<br>PROP 0003 Missing Required Property Inspection - Missing required property inspection to confirm average or better property condition. - Investor Acknowledged Exception - Comp Factors:<br>Full doc<br>784 FICO<br>$xxx LA<br>$xxx Value <br>71.45% CLTV<br>40.83% DTI<br>AVM 89% confidence/0.11 FSD<br>Paid as agreed mortgage history reporting on CR since (year) |  | HCOST 0001 High Cost Failure - The loan fees ($xxx) exceed the (state) High Cost fee limit, which is ($xxx), the difference is ($xxx).<br>--Settlement agent to provide an explanation for what services are included in the funding fee to determine whether it should be included in the state high cost test. - 01/27/2025 - Recd breakdown of the funding fee: $xxx Notary, $xxx Settlement Services, and $xxx Copy Fee. High cost failure cleared upon compliance resubmission with breakdown applied.<br>|  |
| 900001406 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 33 months of verified reserves when lender required 6 months.; Low DTI - Low DTI of 36.14%.; |  |  |  |  |
| 900001419 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - 768 fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 42.83% CLTV w/a max allowed of 85%.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - The APR (8.374) disclosed on the final CD (date) is less than the threshold allowed of (.125) disclosed APR (8.557) on the previous CD (date). - EV2/B Non-Material - APR decreased which is a benefit to the borrower.<br>CRED 0091 Missing Tax Transcript(s) - Missing Wage & Income transcripts for B1 as required per guidelines. - Investor Acknowledged Exception - Comp Factors:<br>Full doc<br>768/784 FICOs 2 borrowers<br>100K LA<br>$xxx Value <br>52.91% CLTV<br>48.56% DTI<br>Full Appraisal<br>Paid as agreed mortgage history reporting on CR since xxxx |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing updated fraud report with all alerts sufficiently addressed. High fraud alerts not cleared. - 01/29/2025 - Recd documentation to address undisclosed-REO fraud finding. Watchlist alert does not match to the borrower. Secondary valuation obtained. All fraud findings satisfactorily addressed.<br>TRID 0130 Missing Intent to Proceed - Missing Intent to Proceed - 01/15/2025 - Recd documented intent to proceed date.<br>|  |
| 900001395 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low DTI - Low DTI of 29.93%.; Verified employment history - B1 has been employed with MW Component/Ideal Fasteners as Sales Manager for 46 years per written VOE.; | CRED 0072 VVOE dated outside of required timeframe - VVOEs are not within 10 days prior to note date. VOEs are dated xx/xx/xx with note date of xx/xx/xx Subsequent VOEs performed 10 days after closing for each on xx/xx/xx. - EV2/B Non-Material Employment was verified prior to closing and post-closing VVOE confirmed borrowers were still employed. |  | COMP 0010 Missing Affiliated Business Disclosure - Missing Affiliated Business Disclosure for Agave Home Loans. Facts disclosures not located to verify if lender has affiliates.<br>- 01/10/2025 - Lender confirms there are no affiliated business relationships to disclose, thus no ABD is required. <br>|  |
| 900001374 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 740 Credit score exceeds minimum 700 score per guidelines.; Low DTI - 35.35% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001389 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 33.33% DTI is below 45% maximum per guidelines.; Verified credit history - 773 Credit score exceeds minimum 700 required per guidelines.; |  |  | TRST 0003 Trust Agreement is Incomplete - REMOVE - 01/10/25 Trust Certification received (CA).<br>|  |
| 900001382 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 33.76% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxx in disposable income.; |  |  |  |  |
| 900001361 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 47 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with (present employer) for xxx years as (job title) per (voe).; |  |  | TRID 0148 LE or CD is Deficient - Initial CD is incomplete. Missing page xxx of xxx. - 01/08/2025 - Recd complete copy of the initial CD.<br>|  |
| 900001375 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 40 Months of verified reserves when guidelines required 2 months.; Verified housing payment history - 99+ months of verified mortgage history paid 0x30 as verified on CBR since xx/xxxx.; |  |  |  |  |
| 900001404 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has 0x30x42 verified mortgage history which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 31.83% DTI is below 45% maximum per guidelines.; |  |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval. - 01/14/2025 - Recd underwriting conditional approval.<br>|  |
| 900001421 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified housing payment history of 0x30x72 which exceeds minimum 0x30x24 required.; Low DTI - 35.47% DTI is below 45% maximum per guidelines.; | CRED 0082 Income Documentation is Insufficient - File is missing required business narrative describing business and customer base. - EV2/B Investor Acknowledged Exception |  | HUD 0028 Loan Disbursement Date and Interest From on HUD do not match - Disbursement Date does not match Interest From Date on Final CD. Missing copy of the final settlement statement to confirm the actual disbursement date. - 01/10/2025 - Recd final settlement statement, disbursement date matches to the CD. 1 day per diem interest collected prior to disbursement is allowed in CA.<br>COMP 0010 Missing Affiliated Business Disclosure - Missing ABD and/or FACTS Disclosure for Broker. If broker has no affiliates an attestation may also be acceptable. (Lender has no affiliates. - 01/10/2025 - Recd signed attestation from lender of no affiliates.<br>|  |
| 900001425 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 49 months of verified reserves when lender guidelines required 2 months.; Low DTI - Low DTI of 11.49%.; |  |  | PROP 0003 Missing Required Property Inspection - NEW 1/14/2025 - Subject is located in a FEMA declared disaster area. Missing Post disaster property inspection to confirm subject was not impacted. - 02/04/2025 - Investor accepts the PDI presented that confirms no damage to subject or the neighborhood. <br>APRV 0010 Underwriting Loan Approval is Deficient - Missing updated 1008. File contains conflicting evidence regarding ownership of (company). CPA letter states B1 owns 100%. 1003 shows each own more than 25% with income distributed 50/50 as does the final 1008. No evidence of ownership for B2 documented in the loan file. Review included all income under B1. - 01/22/2025 - Exception is cleared with the attached underwriting decision.<br>|  |
| 900001432 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Low DTI - 27.55% DTI is below 50% maximum per guidelines.; | COMP 0027 Zero Tolerance Fee Violation - Missing valid COC for added Appraisal Fee of $xxx on CD (date). COC (date) does not list any change in circumstance and also does not mention the appraisal fee. No terms were changed and Appraisal was received effective (date). - 01/28/2025 - EV2/B Courier tracking confirms delivery to borrower of the cure package within 60days from consummation. |  |  |  |
| 900001398 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 797 Credit score exceeds minimum 700 required per guidelines.; Low DTI - 35.45% DTI is below 45% maximum per guidelines.; |  |  |  |  |
| 900001414 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 18 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 99+ months of verified mortgage history paid 0x30 on CBR.; |  |  | APP 0004 Initial 1003 Application is Incomplete - Missing initial application signed by B1. - 01/15/2025 - Recd B1 executed initial 1003.<br>|  |
| 900001409 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 52.59% CLTV w/a max allowed of 85%.; Verified credit history - 785 Fico w/a minimum requirement of 680.; |  |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval. - 01/15/2025 - Recd underwriting decision.<br>|  |
| 900001410 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 21 months of verified reserves when guidelines required 2 months.; Low DTI - Low DTI of 6.17%%.; |  |  |  |  |
| 900001411 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 24 months of verified reserves when guidelines required 2 months.; Low DTI - Low DTI of 24.95%.; |  |  |  |  |
| 900001435 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 790 fico w/a minimum requirement of 700; Low DTI - 27.48% w/a max allowed of 45%.; | CRED 0082 Income Documentation is Insufficient - Missing a signed written business narrative which includes the following:<br>1) Description of business operation, <br>2) Primary products and or services<br>3) Who is the customer base <br>3) Number of full-time employees, <br>4) Any other information that would help determine eligible deposits. - 01/24/2025 - Investor Acknowledged Exception. |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing corrected 1008. Final 1008 reflects DTI of 15.58%. 1008 expenses do not include the expenses for (reo). Review included total payment of $xxx (HOA $xxx/ 1st $xxx/ Proposed 2nd $xxx) Review DTI 27.48%. - 01/15/2025 - Recd updated 1008, 27.45% DTI.<br>COND 0002 Condo Documentation is Insufficient - Missing project questionnaire and all required documentation for (condo project). - 01/17/2025 - Recd lender project approval, condo questionnaire, eoi, and rce. <br>INS 0001 Missing Sufficient Evidence of Insurance - Missing master insurance policies for (condo project). - 01/17/2025 - Recd condo insurance policies.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing acceptable COC for CD (date) reflecting increasing in loan discount of $xxx. COC in file does not state a reason for change. - 01/16/2025 - Recd lock confirmation reflecting pricing change for 5 day extension.<br>|  |
| 900001415 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 704 fico w/a minimum requirement of 680.; Verified employment history - Per the CPA letter, the borrower's business has been in existence for at least xxx years.; | CRED 0004 Back-end Ratio exception (DTI) - Approved DTI 36.25%, Review DTI 42.86%. DTI variance greater than 3% from approved ratio. The reason for the variance is the reviewer using stated income from the initial 1003, which is lower than the calculated income and per guidelines should be used in this scenario., Compensating Factors: - EV2/B Review DTI is 42.86% with a max allowed of 45%.Verified employment history<br>CRED 0006 Missing Employment doc (VVOE) - Missing verification of the existence of the borrower's business within 30 calendar days prior to the note date xx/xx/xx. File includes a CPA letter dated xx/xx/xx and a printout of the borrower's website dated xx/xx/xx, but nothing within 30 days of xx/xx/xx. - EV2/B Investor Acknowledged Exception<br>CRED 0082 Income Documentation is Insufficient - Missing business narrative as required per guidelines. - EV2/B Investor Acknowledged Exception |  |  |  |
| 900001447 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - VOEs confirm xxx + years employment with present employer for B1 and xxx years employment with present employer for B2.; Verified housing payment history - Credit report confirms satisfactory mortgage rating of 32 months on existing 2nd second and 37 months on fist lien.; |  |  | CRED 0104 Missing Letter of Explanation - Missing LOE credit inquiry completed xx/xx by (company), as per fraud report. Credit report in file is dated xx/xx, but was not completed by (company). - 02/05/2025 - Exception is cleared with the attached news release confirming (company) is a subsidiary of (parent company), which is the vendor that pulled the credit report for lender.<br>TITL 0014 Title Policy - Schedule B Exception - Missing final title policy confirming:<br>1) UCC financing statement is not on title, as per lender request. No UCC termination in file. UCC in file. Borrower is financing solar equipment, (company). Only installation agreement provided. Missing solar agreement to very terms.<br>2) (company) was released. First lien, (company).<br>- 01/22/2025 - Recd final title, no UCC filing reported. Credit report confirms 1st lien was transferred.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing tax cert for subject property reflecting annual taxes of $xxx, as disclosed to borrower and considered in qualifying. All documentation in file indicates taxes are paid annually with xxxx due of $xxxx. - 01/17/2025 - "Per the county annual taxes are $xxx annually. It appears the underwriter doubled the taxes and used a more conservative approach. Please see the tax bill from the county. Please accept. Thank you."<br>--Lender calculation is more conservative than using the actual documented tax.<br>COMP 0036 Affiliated Business Disclosure Is Not Executed - Unable to determine if the borrower/s were provided a copy of the ABD disclosure at application. Privacy disclosure is not in file, thus review is unable to confirm if there are any affiliated business relationships to disclose. - 01/15/2025 - "...A review of their website shows that they do not have any affiliated relationships. In addition, at the time that Plaza approves any correspondent to sell us loan. Plaza does a full vetting of each company, including a review of their financials. Based on our vetting done on Mortgage One Solutions, they do not have an affiliated relationship."<br>|  |
| 900001449 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 33.11% CLTV w/a max allowed of 85%.; Verified credit history - 702 fico w/a minimum requirement of 680.; Low DTI - 38.13% DTI w/a max allowed of 45%.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD (date) disclosed Estimated Property Costs over Year 1 of $xxx. Review calculated $xxx. (HOI $xxx/ Taxes $xxx) - 01/28/2025 - EV2/B Recd cover letter to correspond with PCCD that was previously presented xx/xx. |  | CRED 0082 Income Documentation is Insufficient - Missing (year) Wage & income transcript. Only the (year) 1099 and transcript was provided. - 01/27/2025 - Recd (year) transcript.<br>|  |
| 900001401 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 56 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed in the US Air Force for 16 years as verified per written SCRA.; |  |  |  |  |
| 900001405 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 20 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with (company) as a (title) for xxx years as verified per The Work Number.; |  |  |  |  |
| 900001429 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 42 months of verifired reserves when guidelines required 2 months.; Low DTI - Low DTI of 28.14%.; Verified employment history - Borrower has been self employed owner of (business) for xxx years as verified per license. ; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - COC for CD (date) does not give a reason for an increase in Recording Fees. Lender credits did not increase and were not stated as being for fee tolerance specifically. - 01/27/2025 - EV2/B Recd PCCD, cover letter, refund check $xxx, and courier receipt to evidence cure package is in transit to borrower within 60 days of consummation. |  |  |  |
| 900001399 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 15 months of verified reserves when guidelines required 2 months.; Verified employment history - B2 has been (title) of (company for xxx years per SOS.; |  |  |  |  |
| 900001402 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - B2 has been employed with present employer for xxx years per WVOE.; Verified housing payment history - 96 months of mortgage history paid 0x30 per CBR.; | CRED 0003 Credit Score (FICO) exception - B2 is the primary wage earner and middle credit score of 675 < 680 Min Required for LTV up to 75%. Per guidelines, Primary wage earner representative score is used to qualify. - Investor Acknowledged Exception.<br>TRID 0137 Cannot Reconcile LE / CD Versioning - Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-Material |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Legal Description is not attached to or contained within mortgage. Legal from Preliminary title page xxx. - 01/17/2025 - Recd copy of the recorded DOT that includes Exhibit A.<br>|  |
| 900001412 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - 28 months of verified reserves when guidelines required 2 months.; Verified employment history - B1 has been employed as (title) with (employer) for xxx years per The Work Number.; | CRED 0004 Back-end Ratio exception (DTI) - Review DTI 36.45% / Approved DTI 40.74%, variance > 3%. DTI included first lien mortgage payment on subject property for non-subject REO. - EV2/B Non-Material (Max DTI 45%) |  |  |  |
| 900001413 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | None - 27 months of verified reserves when guidelines required 2 months.; Loan Term < or = 15 year - Low 15 year fixed rate amortization.; |  |  |  |  |
| 900001445 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - 767 Credit score exceeds minimum 680 required per guidelines.; Low DTI - 34.20% DTI is below 45% maximum per guidelines.; | CRED 0082 Income Documentation is Insufficient - B2 income documentation for present employment (employer) is insufficient. WVOE completed xx/xx/xx reflects borrower to be (title) with start date of xx/xx/xx. WVOE reflects annual salary of $xxx or $xxx month with YTD wages of $xxx. Only one paycheck provided which is dated xx/xx/xx for $xxx. Pay stub reflects no withholdings. File contains Post closing LOE from employer dated xx/xx/xx. No full pay stubs documentation 30 days income obtained prior to closing. It is additionally noted that there were xxx prior jobs but none were as (occupation). No explanation or sufficient documentation as to the transition from (occupation) to (occupation) with no (industry) experience. - 02/14/25 LOE from borrower explaining career change received with 2 additional pay stubs date ending xx/xx/xx and xx/xx/xx. Per pay stubs borrower is earning a base salary of $xxx per yr/ $xxx per mth which was supported by the year end pay stub dated xx/xx/xx. Income is higher than the qualifying income of $xxx/$xxx/yr. Because supporting documentation was obtained post consummation finding will be an EV2/B. <br>TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing valid COC for the addition of the $xxx appraisal fee on the xx/xx/xx.--A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($26.70) were applied to the total fee variance of ($xxx) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - EV2/B Post closing Corrective action. File contains PC CD, LOE to borrower and copy of refund check to the borrower for the added appraisal fee of $xxx. |  | INS 0001 Missing Sufficient Evidence of Insurance - The hazard insurance in the file expired xx/xx/xx, two weeks after closing. Missing copy of the renewal policy. - 01/22/2025 - Recd hazard insurance renewal.<br>|  |
| 900001400 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has 0x30 mortgage history for 55 months. Minimum required is 0x30 for 24 months.; Low DTI - 33.46% DTI is below 45% maximum per guidelines.; |  |  |  |  |
| 900001407 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have verified housing history of 0x30x90 which exceeds minimum required 0x30x24.; Low DTI - 37.59% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001437 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 26.77% DTI is below 45% maximum per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; |  |  | NOTE 0059 NMLS IDs do not match - Note and Mortgage are missing NMLS ID for lender, Plaza Home Mortgage. - 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g).<br>APPR 0076 Appraisal Discrepancy - Unable to verify bedroom or bathroom count for property. Information is not disclosed on the AVM, PCR, or the PDR. - 1/28/2025 - TPR ordered drive by BPO containing the information.<br>|  |
| 900001446 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current jobs for xxx years and second job for xxx years.; Disposable Income - Borrowers have $xxx in disposable income.; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for $xxx increase in recording fees on final CD (date). - 02/07/2025 - EV2/B Recd courier tracking to evidence cure package (xx/xx) is in transit to borrower within 60 days of consummation. |  | CRED 0091 Missing Tax Transcript(s) - Missing wage earner transcript for Borrower 1 (employer) income. - 01/23/2025 - Exception is cleared with the attached most recent two years transcripts for B2.<br>|  |
| 900001448 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - B1 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 37 months satisfactory mortgage rating on 1st lien. 8 months satisfactory mortgage rating reported on existing second lien.; Verified credit history - Middle credit scores 751 > 680 minimum required.; Low LTV/CLTV/HCLTV - 71.86% CLTV < 85% max allowed.; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing COC for increase in Recording Fee on CD (date). - 02/06/2025 - Recd cover letter, PCCD, refund check of $xxx, and courier receipt to evidence of delivery to borrower completed within 60 days of consummation. Note: Lender paid recording fee increased from $xxx to $xxx to match the settlement statement. |  | FEMA 0001 Property Inspection Date is prior to disaster declaration begin date - Property is located in a (government agency) declared disaster area due to CA wildfires, (date). Missing post-disaster inspection report. - 02/03/2025 - Recd PDI, "Free & clear of disaster related damage. Value and marketability have not been affected."<br>CRED 0001 Unacceptable Mortgage History - Timeshare mortgage is reporting 1x30 in (date). Guideline requires 0x30x24 on all borrowers mortgages. - 01/28/2025 - Investor defers to fnma, timeshare accounts identified as mortgage tradelines are not required to meet the requirements, and are considered to be installment accounts.<br>|  |
| 900001403 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have occupied and owned the subject property for xxx years. ; Verified employment history - Borrower has been employed with (employer) as (title) for xxx years as verified per The Work Number.; |  |  |  |  |
| 900001492 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 15 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned and occupied the subject property as primary residence for xxx years.; |  |  | TITL 0003 Title Issue affecting Lien Position - Missing documentation to verify hospital lien filed (date) in favor of (medical facility) has been satisfied or subordinated. (Schedule C Item #7) - 01/30/2025 - Recd email form title, I reviewed the lien and confirmed it is a lien against a protentional claim if there is a settlement. It is not against the borrower and ahs been removed". Title commitment with hospital lien removed was previously presented xx/xx. <br>TRID 0137 Cannot Reconcile LE / CD Versioning - LE data in the Calculating Cash to Close tables of all the CDs differs from last LE in file issued (date). File may be missing an interim LE. (2 LEs in file). - 02/21/2025 - Finding is cleared with the attached lender attestation confirming only one LE was issued (date).<br>|  |
| 900001408 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned and occupied the subject property for xxx years.; Verified credit history - 697 fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.71% CLTV w/a max allowed of 75%.; | GIDE 0001 Guideline Exception(s) - Borrowers on first mortgage are not the same as on the subject second as required by the guidelines. Investor acknowledged exception in file. - Investor Acknowledged Exception. |  |  |  |
| 900001456 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 13 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed for (employer) for xxx years as a (occupation) per (voe).; | TRID 0171 Missing valid Change of Circumstance(s) - Missing valid COC for LE (date). COC says additional settlement servicer and addition of AVM fee. No change to settlement costs, and no explanation of what circumstance changed causing AVM fee. No fee tolerance exception. - 02/05/2025 (TRID 0152) EV2/B - Recd courier tracking evidencing cure package in transit to borrower within 60 days of consummation. Cure package was previously presented xx/xx ROR 0009.<br>TRID 0152 Fee Naming Convention is inconsistent and/or does not meet the Clear and Conspicuous standard (12 CFR 1026.38(h)(4)) - Final CD, shows Appraisal Fee paid prior to close for $xxx, paid to "Appraiser." CD does not disclose name of payee, and file has no appraisal. Separate AVM fee was charged at closing. - 02/05/2025 - EV2/B Attached courier tracking evidences cure package is in transit to borrower within 60 days of consummation. Cure package was previously presented xx/xx ROR 0009. |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - ROR shows an expiration (date). Final CD signed at closing shows a disbursement (date). Earliest valid disbursement (date) - 02/05/2025 - Recd settlement statement to support re-disclosed disbursement date.<br>DEED 0021 Missing Legal Description on Mortgage/DOT - Legal description is missing from Mortgage. - 01/27/2025 - Recd DOT with legal description.<br>|  |
| 900001440 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 31 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self-employed owner of (business) for xxx years per CPA letter.; |  |  | NOTE 0059 NMLS IDs do not match - NMLS ID for (lender) is missing from Note and Mortgage. - 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g).<br>|  |
| 900001453 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 716 Fico w/a minimum requirement of 700. ; Verified reserves - 9.45 mths reserves verified w/cash out proceeds w/a minimum requirement of 2 mths.; |  |  | APRV 0010 Underwriting Loan Approval is Deficient - TX(50)(a)(6) Violation - Lender Loan approval reflects the requirement to repay debts other than existing debt that is secured by the subject property. Approval reflects that the following debts were to be paid at closing. Lender approved DTI 42.061%. DTI with the payments included exceeds 56% with a max allowed by the guideline of 45%. - 01/27/2025 - TPR set in error. <br>Provision for (State) Constitution - the owner of the homestead is not required to apply the proceeds of the extension of credit to repay another debt except debt secured by the homestead or debt to another lender.<br>-- Debt paid to another lender.<br>TRID 0137 Cannot Reconcile LE / CD Versioning - Loan Estimate Calculating cash to close on all CDs do not match LE in file (date). Possible missing disclosure(s) - 02/13/2025 - Attached disclosure tracking confirms no re-disclosed LEs.<br>TRID 0148 LE or CD is Deficient - Final CD (date) reflects an issue (date) but is esigned by the borrower(s) (date). - Last Closing Disclosure Received Date (date) earlier than the Last Closing Disclosure Date Issued (date). Review cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) - 01/27/2025 - Recd final CD wet-signed by the borrower at closing.<br>|  |
| 900001458 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 52 months satisfactory mortgage rating.; Verified credit history - Credit score 771 > 680 minimum required.; |  |  | TITL 0013 Title Policy - Schedule A Exception - Missing updated title commitment reflecting the correct loan amount. Title commitment in file reflects a loan amount of $xxx. - 02/07/2025 - Recd title commitment with proposed amount of insurance $xxx.<br>FEMA 0001 Property Inspection Date is prior to disaster declaration begin date - Subject is located in a (government agency) declared disaster area due to CA wildfires (date). Missing post-disaster property inspection to confirm no damage to property was sustained from the wildfires. - 01/31/2025 - Recd PDI confirming, "The subject and neighborhood properties are free and clear of disaster related damage. The disaster has had no effect on the subject's marketability."<br>|  |
| 900001465 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Credit report confirms 36 months satisfactory mortgage rating.; Verified credit history - Middle credit score 726 > 680 minimum required.; Low LTV/CLTV/HCLTV - 60.55% CLTV < 85% max allowed.; |  |  | TRID 0148 LE or CD is Deficient - UPDATED 2/3: Missing clarification why the title company is retaining a recording fee of $xxx, and verification of what service the fee of $xxx is for (e.g. doc prep, recording service fee). <br>Recording fees are paid to government offices, however the settlement statement breakdown reflects $xxx paid to the county with $xxx paid to the title company for the mortgage cap affidavit. The mortgage cap affidavit is required to be affixed to the mortgage citing the max recording fee allowed of $xxx.<br>ORIGINAL EXCEPTION: Final CD on page 42 sections E for Mortgage recording fees does not balance. Fee named is Mortgage for $xxx. Fee charged is $xxx. - 02/04/2025 - Recd updated settlement statement and refund check to borrower in the amount of $xxx issued by the settlement agent. <br>APRV 0003 Missing Loan Approval Date - Missing underwriting decision with loan approval date. - 01/27/2025 - Recd conditional approval.<br>CRED 0089 Missing Required Fraud Tool - Fraud report score is 0 / Auto Refer. Missing updated fraud report with all fraud findings satisfactorily addressed. - 02/10/2025 - Recd rescored fraud report, 1000/Pass.<br>|  |
| 900001470 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x78 which exceeds minimum 0x30x24 required per guidelines.; Low DTI - 24.89% DTI is below maximum 45% allowed per guidelines.; |  |  | CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing subject tax cert to validate taxes of $xxx used to qualify per the 1008. - 01/28/2025 - Recd tax cert.<br>NOTE 0059 NMLS IDs do not match - Note and Mortgage are missing NMLS for lender, Plaza Home Mortgage. - 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g).<br>|  |
| 900001521 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified housing payment history - Borrowers have verified housing history of 0x30x40 which exceeds minimum required 0x30x24.; Disposable Income - Borrowers have $xxx in verified disposable income.; | TRID 0089 Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 - The disclosed finance charge ($xxx) is ($xxx) below the actual finance charge ($xxx). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $xxx below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1). It is noted that the lender's compliance report in file dated xx/xx/xx Version 33 reflects a disclosed finance charge of $xxx. Final CD xx/xx/xx pg xxx. - EV2/B Post-Closing Corrective Action.<br>HCOST 0001 High Cost Failure - The loan fees ($xxx) exceed the (state) High Cost fee limit, which is ($xxx), the difference is ($xxx). - 02/27/2025 Finding is downgraded to EV2/B with PCCD, cover letter, refund check $xxx and courier receipt to evidence delivery to borrower was completed within 45 days of closing (REFER TRID 0089 xx/xx/xx)<br>CRED 0004 Back-end Ratio exception (DTI) - Review 51.01% DTI exceeds maximum 45% per guidelines. Variance is due to lender using positive rental income of $xxx to qualify for xxxx REO. Review calculated loss of -$xxx. Review utilized 2 yrs tax returns as per the guideline "Other Types of Income" section. It is noted that there were leases in the file for Floor xxx and Apartment xxx total which totaled $xxx. It is unknown where lender of $xxx was obtained. - EV2/B Investor Acknowledged Exception. Final DTI with auto payment excluded 48.99%.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for re-added application on final CD issued xx/xx. - 02/07/2025 Attached is a PCCD with refund to Borrower of $xxx to Borrower that should clear this finding. Thank you |  | APRV 0010 Underwriting Loan Approval is Deficient - 1. Loan amount on approval is $xxx; loan closed at $xxx.<br>2. Interest rate on approval is 10.75%. Subject closed at 9.75%. - 02/12/2025 Finding is cleared with the attached Loan Approval Conditions.<br>|  |
| 900001433 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 51.77% CLTV is less than 75% maximum per guidelines.; Verified ownership of subject property - Borrower has been in subject property for xxx years.; |  |  |  |  |
| 900001459 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low DTI - 43.57% DTI is below 50% maximum per guidelines.; Disposable Income - Borrower has $xxxx in disposable income.; | HUD 0028 Loan Disbursement Date and Interest From on HUD do not match - Disbursement date listed on CD (date), calculated interest (date). - EV2/B Recd cover letter, PCCD with 1 day per diem interest refunded to borrower, and refund check. Disbursement (date) with interest paid from (date). Disbursement per settlement stated (date) with interest paid from (date). (State) per diem interest rule states that borrowers cannot be charged interest for more than one day before the loan proceeds are disbursed. Discrepancy due to difference between anticipated vs actual disbursement date. |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval. - 02/10/2025 - Recd underwriting conditional approval.<br>FEMA 0001 Property Inspection Date is prior to disaster declaration begin date - Subject is located in a (government agency) declared disaster area. Missing PDI confirming no damage to property. - 01/30/2025 - Recd PDI, no damage noted to subject nor in immediate neighborhood and no damage noted in expanded market area.<br>|  |
| 900001441 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been on current job xxx years.; Low DTI - 32.74% DTI is below 45% maximum per guidelines.; |  |  |  |  |
| 900001464 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has 0x30x62 verified payment history which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 53.77% CLTV is below maximum 75% allowed per guidelines.; |  |  | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing valid COC for addition of Broker compensation of $xxx and an additional verification fee of $xxx on CD issued (date). COC (date) says compensation basis change, but does not describe what circumstance changed from prior disclosure to cause a compensation basis change. COC (date) says add verification fee to broker, but does not explain what circumstance changed to incur this additional verification fee. -- A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($xxx) were applied to the total fee variance of ($xxx) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - 2/7/2025: Received explanation that borrower requested compensation change. Discount points wee removed and broker comp was added. Exception cleared. <br>|  |
| 900001522 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified ownership of subject property; Verified housing payment history; | APRV 0010 Underwriting Loan Approval is Deficient<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure |  | APRV 0003 Missing Loan Approval Date<br>|  |
| 900001431 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has owned current business xxx years.; Low DTI - 30.99% DTI is below 45% maximum per guidelines.; |  |  |  |  |
| 900001457 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 19.33% DTI w/a max allowed of 45%.; Verified credit history - 764 fico w/a minimum requirement of 680.; |  |  | TITL 0013 Title Policy - Schedule A Exception - Schedule A #4 Vesting states subject to possible xxxx. Missing updated title or copy of final title policy to verify no undisclosed xxxx. (No xxxx indicated on 1003 or fraud report) - 02/10/2025 - Recd email correspondence from title to evidence condition for possible bankruptcy was cleared with lender provided SSN.<br>|  |
| 900001438 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 782 Credit score exceeds minimum 700 score per guidelines.; Low DTI - 33.36% DTI is below 50% maximum per guidelines.; |  |  | NOTE 0059 NMLS IDs do not match - Note and Mortgage are missing NMLS for (lender). - 02/06/25 Email received from legal counsel confirming NMLS ID for wholesale lender is not required in pursuant to 1026.35(g).<br>|  |
| 900001475 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Low DTI - 34.57% DTI is below 45% maximum per guidelines.; Verified employment history - Borrower 1 has been on current job xxx years.; | APRV 0010 Underwriting Loan Approval is Deficient - Review DTI 34.57% / Approved DTI 38.79%, variance > 3% tolerance. Approved DTI double counted property costs that are escrowed with first lien payment. - EV2/B Non-Material, Max allowed 45%. |  | PROP 0003 Missing Required Property Inspection - Missing required Property Condition Report to confirm no subject property damage. Only AVM provided. - 02/06/2025 - Recd PDI reflecting, There is no indication of any damage in the neighborhood as a result of a natural disaster.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for CD (date) for the increase in the credit report and verification fees. - 02/05/2025 - Recd COC for final CD, reverification of employment and credit rescore required.<br>|  |
| 900001455 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 58.38% CLTV is below 75% maximum per guidelines.; Low DTI - 39.12% DTI is below 45% maximum per guidelines.; |  |  | CRED 0072 VVOE dated outside of required timeframe - VVOE is (date), note date is (date). - 02/05/2025 - Recd VVOE dated current year.<br>|  |
| 900001523 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 49.17% CLTV is below 80% maximum per guidelines.; Verified ownership of subject property - Borrower has owned subject property xxx years.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid COC for increase to the appraisal fee for $xxx to $xxx. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent (date): Appraisal Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 02/13/2025 - EV2/B Recd PCCD, refund check $xxx, cover letter, and courier tracking receipt to evidence delivery to borrower was completed within 60 days from consummation. |  |  |  |
| 900001428 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 737 Credit score exceeds minimum 700 required per guidelines.; Verified housing payment history - Borrower has verified mortgage history of 0x30x39 which exceeds minimum required 0x30x24 per guidelines.; |  |  |  |  |
| 900001430 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has verified mortgage history of 0x30x44 which exceeds minimum 0x30x24 required by guidelines.; Low DTI - 18.03% DTI is below 50% maximum per guidelines.; |  |  |  |  |
| 900001463 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Credit report confirms 90 months satisfactory mortgage rating.; Verified credit history - 742/755 middle credit scores with no history of delinquency reported. Minimum credit score required 680.; | CRED 0084 Income Calculation Discrepancy - Review DTI 41.77% / Approved DTI 34.76%, variance > 3%. Review calculated income based on the YTD average, which is the most conservative approach. - EV2/B Non-Material, Max DTI allowed 45%. |  | APRV 0001 Missing Underwriter Loan Approval - Missing underwriting decision/loan approval. - 02/05/2025 - Recd underwriting conditional approval.<br>COMP 0047 File Documentation is Incomplete (Compliance) - Missing copy of the borrowers valid government issued IDs. IDs in file are expired. - 02/06/2025 - Recd copies of the borrowers valid government issued IDs.<br>CRED 0082 Income Documentation is Insufficient - Missing B1 employer verification of scheduled hours worked. Borrowers hours fluctuate week to week. - 02/07/2025 - Recd post-consummation WVOE confirming scheduled hours of 40 hours per week. <br>APPR 0002 Appraisal is Incomplete - Appraiser noted that the water heater does not have seismic straps but does not state whether they are required. - 02/06/2025 - TPR set in error. Appraiser noted water heater does have seismic straps.<br>|  |
| 900001439 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Low DTI - 30.26% DTI is below 50% maximum per guidelines.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD Initial APR 10.622% / CD Interim APR 9.827%, variance > 0.125% less than 3 business days prior to closing.<br>- EV2/B Non-Material - Decrease to borrower is deemed to be a benefit to borrower. |  |  |  |
| 900001443 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - 757 Credit score exceeds minimum 680 required per guidelines.; Low LTV/CLTV/HCLTV - 58.92% CLTV is below maximum 85% allowed per guidelines.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR decreased > 0.125% from LE 9.073% to Initial CD 8.941%, which is less than 3 business days prior to closing. - EV2/B Non-Material, decrease in APR is deemed to be a benefit to borrower. |  |  |  |
| 900001489 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 47 months satisfactory mortgage rating.; Verified credit history - Middle Credit Score 741 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 57.24% CLTV < 85% Max Allowed.; Low DTI - Approved DTI 35.38% < 45% Max Allowed.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - CD only included the HOA payment of $xxx in the property costs. Hazard insurance does not appear to be escrowed with first lien, thus should have been disclosed to borrower. - 02/13/2025 - EV2/B Recd PCCD and cover letter. No restitution required, thus US Mailbox Rule applied. |  | DD 0001 Missing Divorce Decree and/or Separation Agreement - Borrower LOE addressing divorce is not signed by the borrower. - 02/27/2025 - Recd signed LOE addressing divorce.<br>CRED 0104 Missing Letter of Explanation - Missing credit inquiry letter. - 02/10/2025 - Exception is cleared with the attached undisclosed debt acknowledgement, no new debt obtained.<br>APRV 0001 Missing Underwriter Loan Approval - Missing underwriting decision / loan approval. - 02/10/2025 - Recd the conditional approval.<br>|  |
| 900001490 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Primary wage earner fico is 754 w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 68.13% LTV/CLTV w/a max allowed of 85%.; | CRED 0004 Back-end Ratio exception (DTI) - Review DTI of 45.04% exceeds the max allowed of 45%. Borrowers do not qualify for 50% DTI due to not meeting the residual requirements. Lender approved DTI of 44.016% did not include the full PMI payment of $xxx per the escrow analysis. Per the 1008 lender included the following for the subject PITIA: 1st P&I $xxx, 2nd P&I $xxx, HOI $xxx, Taxes $xxx, HOA $xxx, Other $xxx. Total $xxx. Review PITIA $xxx. - EV2/B Investor acknowledged Exception |  | TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Amount non specific lender credits (lender paid fees) has decreased without a COC or off-setting general lender credit. CD issued (date) has lender credit of $xxx. Final CD issued (date) has non specific lender credit of $xxx. (Both disclosures reflect Lender paid fee of $xxx for Lender Fee section A) - 02/21/2025 - Finding is cleared with the attached lock confirmation, rate decreased resulting in a pricing change (Lender Paid Origination Fee $xxx + General Lender Credit $xxx = $xxx).<br>|  |
| 900001519 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 99+ months of verified house payment history paid 0x30 per CBR since xx/xxxx.; Verified employment history - B1 has been employed for xx years with (employer) as (occupation).; |  |  | APP 0004 Initial 1003 Application is Incomplete - Missing initial application for B2. - 03/05/2025 - Lender provided fully executed attestation addressing the addition of B2 post initial application date. Finding cleared.<br>|  |
| 900001495 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified housing payment history - 40+ mths of mtg history verified 0x30.; Verified credit history - 764 fico w/a minimum requirement of 700.; | CRED 0084 Income Calculation Discrepancy - Lender utilized 12% expense factor per the (tax preparer) letter. Per guidelines the minimum expense factor for (tax preparer) (PTIN) Expense Ratio is 20%. <br>Review DTI using the 20% expense factor and excluding undocumented deposits is 68.42%. (See breakdown of excluded deposits CRED 0082 - Income Documentation is Insufficient), Compensating Factors: - 02/13/2025 - EV2/B - Review DTI 41.06% with sourced deposits included (Refer CRED 0082) using the 20% expense factor required, variance of 3% is non-material from the approved DTI of 44.06% (Max 45%).Verified credit history<br>CRED 0045 Questionable continuation of income - Bank statement analysis reflects a declining income trend from (date range) that was not addressed., Compensating Factors: - EV2/B for documentation obtained post consummation. 02/13/25 Updated 1008 and LOE from the borrower received. Borrower LOE is dated xx/xx/xx. Per LOE sales tend to be front loaded at the beginning of the year and less towards the end of the year as most contracts start at the end of the fiscal/calendar year. Verified housing payment history<br>APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2/B Non-Material<br>CRED 0093 Credit Documentation is Insufficient - Missing a signed written business narrative that includes the following: Description of business operation, Primary products and or services<br>o Who is the customer base, Number of full-time employees, Any other information that would help determine eligible deposits.<br>NOTE: Pricing adjustment for loan documentation in file, however, it does not reference what documentation. - EV2/B Investor Acknowledged Exception.<br>GIDE 0001 Guideline Exception(s) - Borrowers on the second mortgage are not the same Borrower(s) on the first mortgage. Per guidelines exceptions to this will be considered on a case-by-case basis. - EV2/B Investor acknowledged exception for seller on file. |  | CRED 0082 Income Documentation is Insufficient - Missing documentation to verify that the following deposits that exceed 50% of the qualifying income are business related: <br>1) Deposit (date) Wire $xxx<br>2) Deposit (date) $xxx<br>3) Deposit (date) $xxx<br>4) Deposit (date) $xxx<br>5) Deposit (date) $xxx<br>Review DTI with these deposits excluded and utilizing the 20% expense factor is 68.42%. - 02/11/2025 - Recd Check $xxx #xxx (date) issued by (business) - Memo (date); (PART 4).<br>--Finding is cleared with presentments provided xx/xx.<br>|  |
| 900001473 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified credit history - Middle credit score 727 with no history of delinquency reported in thge past 24 months. Minimum credit score requried 680.; Verified employment history - VOE confirms 12+ months employment with present employer.; Low LTV/CLTV/HCLTV - 59.30% CLTV < 85% Max Allowed.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final (date) does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-Material. |  | APPR 0002 Appraisal is Incomplete - Appraiser noted discrepancy in GLA due to an addition, however, it is not clear if the area was permitted. Appraiser comments, Homeowner believed this area was permitted, however, I have been able to obtain permits from county. However, all work completed in a workmanlike manner, conforms to the property, is connected to HVAC, and has continuous flow, therefore, it has been included in total GLA. - 02/11/2025 - Recd updated appraisal confirming no permits were obtained.<br>DD 0001 Missing Divorce Decree and/or Separation Agreement - Borrowers prior name indicates possible prior marriage / divorce. Missing divorce decree or confirmation from the borrower of no prior marriages. Name variation should be addressed. - 02/11/2025 - Borrower is on title as widow. Review confirmed current last name matches to the deceased spouse, thus indicating that the other last name would be the borrowers maiden name.<br>APRV 0001 Missing Underwriter Loan Approval - Missing underwriting decision/loan approval. - 02/05/2025 - Recd underwriting decision.<br>|  |
| 900001451 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Net tangible benefit - Debt consolidation saving borrower $xxx per month plus borrower receiving cash in hand of $xxx. ; Verified credit history - 731 qualifying credit score, minimum required of 680. No derogatory credit. ; |  |  | TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing COC for decrease in General Credits on CD (date). Rate decreased from prior CD. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Closing Disclosure sent on (date), ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - 02/07/2025 - Recd COC, rate decreased and lock extended.<br>|  |
| 900001434 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 56% CLTV < 85% Max Allowed.; Verified housing payment history - 99+ months of verified housing payments paid 0x30 per CBR.; Low DTI - 33.14% DTI < 45% Max Allowed.; |  |  |  |  |
| 900001460 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 68% CLTV < 85% Max Allowed.; Verified credit history - 760/758 middle credit scores > 680 Minimum Required.; | CRED 0072 VVOE dated outside of required timeframe - VOE for B1 on current employment is (date) with note date of (date) - not within 10 days prior. - 02/07/2025 - Recd post-consummation VVOE for B1 present employer, which is in support of the pre-consummation dated VOE in file that was dated outside of 10 days prior to the note date. |  |  |  |
| 900001496 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 VOE confirms xxx years employment with present employer. B2 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 700/755 with no history of delinquency reported in the past 24 months. Minimum credit score required 680.; |  |  | INS 0001 Missing Sufficient Evidence of Insurance - Evidence of insurance reflects first lien as second mortgage (lender loan number) and second lien as first mortgagee (lender loan number). - 02/10/2025 - Recd updated evidence of insurance reflecting the correct mortgagees and lien positions.<br>CRED 0007 Missing Employment doc (VOE) - B1 VOE income > W2 wages. Missing explanation. <br>W2 (year) $xxx / VOE $xxx<br>W2 (year) $xxx / VOE $xxx - 02/21/2025 - Recd response from employer, Have you tried adding box 1,14 and 12a on his W2?<br>-- <br>W2 Line 1 $xxx + Line 14 $xxx + Line 12A $xxx = $xxx.<br>VOE Wages $xxx, difference is $xxx<br>Income trend is increasing year over year. Review us unable to reconcile difference, thus applied -$xxx deduction to qualifying income ($xxx/12 = $xxx) as most conservative approach. DTI 44.94% < 45% with additional deduction applied.<br>CRED 0082 Income Documentation is Insufficient - Missing B2 average hours worked per week to calculate the base income. Only two paystub provided for xxxx covering two week period. Work# does not reflect # of hours. Average hours in xxxx/xxxx 11.75 - 11.8 increased to 30.95-40 in xxxx.<br>Per FNMA - Hourly Pay: (Hourly gross pay x average # of hours worked per week x 52 weeks) / 12 months<br>All of the above calculations must be compared with the documented year-to-date base earnings (and past year earnings, if applicable) to determine if the income amount appears to be consistent. See B3-3.1-01, General Income Information, for additional information about variable income (bonus and overtime).<br>- 02/20/2025 - Exception re-reviewed. B2 paystubs reflects year end hours worked for (years) and the YTD hours on the paystub for (year) - Hours did increase, as did the hourly rate. Review used most conservative approach of the average of two previous years income. <br>TRID 0137 Cannot Reconcile LE / CD Versioning - LE data in Calculating Cash to Close table of Initial CD issued (date) and Final CD issued (date) does not match last LE in file issued (date). File may be missing an interim LE. - 02/06/2025 - Recd re-disclosed LE.<br>|  |
| 900001442 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 820 Credit score exceeds minimum 680 required per guidelines.; Verified reserves - Borrower has 29.49 months verified reserves which exceeds minimum 0 months required per guidelines.; |  |  |  |  |
| 900001493 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job xxx years on job. Borrower 2 has been on current job xxx years.; Verified housing payment history - Borrowers have verified housing history of 0x30x45 which exceeds minimum 0x30x24 required by guidelines.; | TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing COC for CD (date) reducing lender paid credits from $1103 to lender paid fees of $xxx. Decrease was likely due to the rate lock extension fee due to rate lock expiring (date). -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Loan Estimate sent on (date), ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - 02/20/2025 - EV2/B Recd PCCD, cover letter, refund check to borrower $xxx, and courier receipt to evidence cure package is in transit to borrower within 60 days of consummation.<br>APP 0004 Initial 1003 Application is Incomplete - B2 initial application not in file. File has 1003 dated (date), but not the initial., Compensating Factors: - 02/26/2025 - Finding is downgraded to EV2/B with the post-consummation dated LO signed 1003.Verified employment history |  | COLL 0001 APN Number is not listed on Security Instrument - TX Home Equity Security Document is missing Exhibit A with the legal description. - 02/10/2025 - TPR reported in error.<br>CRED 0012 CLTV Exceeds Max Allowed - 80% CLTV > 75% Max Allowed for rural property. (Max 85% - 10% Reduction). - 02/15/25 The appraisal is marked suburban however, the zoning is rural. While the comps provided are outside the general 1-2 mile range the property does appear suburban in nature. Appraiser notes that the subject is in a residential community outside the city limits. It is observed from the appraisal photos that the subject is in a PUD and photos indicate a suburban setting with visible neighbors on each side. Suburban setting also validated the the street view photos.<br>PROP 0002 Property Type is prohibited - Rural property requires prior approval. File does not contain property approval.<br>- 02/12/25 Cleared, agree with lender response. The appraisal is marked suburban however, the zoning is xxx. While the comps provided are outside the general 1-2 mile range the property does appear xxx in nature. Appraiser notes that the subject is in a residential community outside the city limits. It is observed from the appraisal photos that the subject is in a xxx and photos indicate a xxx setting with visible neighbors on each side. Suburban setting also validated the the street view photos. <br>|  |
| 900001454 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 749 qualifying fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 44.12% CLTV w/a max allowed of 85%; |  |  |  |  |
| 900001508 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 758 Credit score exceeds minimum 700 per guidelines.; Verified employment history - Borrower has owned current business xxx years.; | COND 0002 Condo Documentation is Insufficient - Missing required xxxx questionnaire. File does have an email chain, confirming it is required but it is not in the file. - EV2/B Investor Acknowledged Exception in file to accept (agency xxxx approval) without xxxx questionnaire.<br>CRED 0082 Income Documentation is Insufficient - Missing required business narrative with a description of the business as required per guidelines. - EV2/B Investor Acknowledged Exception |  | CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing verification of hazard insurance for REO at (address). Payment taken from Credit Report. Provide documentation that loan is escrowed or provide documentation of insurance expenses. - 02/14/25 Copy of mortgage statement received confirming taxes and insurance are escrowed. Payment on statement matches report amount on CBR.<br>|  |
| 900001450 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low LTV of 53.09%.; Verified reserves - 39 months of verified reserves when none are required per guidelines.; |  |  | COMP 0047 File Documentation is Incomplete (Compliance) - Review is unable to confirm the property type, thus unable to determine in all the required documentation is in file.<br>Title commitment reflects property type: xxxx (xxxx).<br>AVM property type: xxxx.<br>Property report type: xxxx.<br>Deed of Trust contains a xxxx Rider. - 02/19/2025 - Although zoning and property classifications may show the subject property as a xxxx, this is not a<br>xxxx project as there are no other features that are present with true xxxx projects. The property taxes include land value, which is not indicative of condo projects since true condo ownership does not include any land. The (county), (state) Tax Assessor records show this as a xxxx with a class of R3 – Residential 1 family property. It further supports there is land value included as part of the assessment/appraised values of this property. The (year) annual assessment notice shows the property description as xxxx. Every owner is required to obtain their own hazard insurance policy and not just an H06 policy to cover contents because there is a master/blanket xxxx insurance policy present. All of this supports the project is a xxxx with an HOA and not a xxxx project and therefore this loan was closed correctly identifying this as a xxxx. The DOT for the current first mortgage shows a xxxx Rider, not a xxxx Rider was attached. We are respectfully asking for this finding to be cleared based on this information. <br>--Agree, HO3 policy insures the subject property, title reflects xxxx specifying (xxxx), and first lien includes a xxxx Rider.<br>|  |
| 900001494 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 56.97% CLTV is below 75% maximum per guidelines.; Verified credit history - 795 Credit score exceeds minimum 720 required per guidelines.; | PROP 0002 Property Type is prohibited - Property type is considered unique due to xxx location. The comps are not bracketed. Approved exception on page xxx. - EV2/B Investor Acknowledged Exception in file.<br>APP 0004 Initial 1003 Application is Incomplete - Initial Application is not executed by B1., Compensating Factors: - Finding downgraded to EV2/B with the LO signed initial 1003.Low LTV/CLTV/HCLTV |  | COMP 0020 Incomplete Change of Circumstance - COC for LE issued (date) states loan parameters and pricing changed. No terms of the loan have changed, COC does not specify information which validates pricing change. Loan Discount Fee added and removed general credit.<br>COC for LE issued (date) states loan parameters and pricing changed. No terms of the loan have changed, COC does not specify information which validates pricing change. Loan Discount Fee increased. - 02/14/2025 - Recd lock information to evidence that the pricing changes were due to DTI and Guideline exceptions.<br>COMP 0041 NMLS is missing as required 1026.36(g) - Mortgage is missing page 8 of 8 which includes NMLS information. - 02/14/25 Complete copy of Mtg/DOT received with NMLS.<br>CRED 0006 Missing Employment doc (VVOE) - Missing B2 verification of self-employment that confirms self-employment start date. - 02/14/25 TPR error, File contain a VVOE for B2 (date) at which time the lender verified the business to be active with the the tax preparer who completed the (form) returns for the borrowers for (years).<br>|  |
| 900001466 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low LTV of 43.218%.; Verified reserves - 8 months of verified reserves when guideline required none based on OCLTV.; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increase in Recording Fee on LE (date). -- The total amount of Closing Disclosure 10% Category fees ($xxx) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xx/xx/xx, ($xxx). The total amount of fees in this category cannot exceed ($xxx) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). - 02/12/2025 - EV2/B Recd PCCD, refund check $xxx, cover letter, and courier tracking receipt to evidence cure package is in transit to borrower within 60 days of consummation. |  |  |  |
| 900001467 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job xxx years, Borrower 2 has been on current job xxx years.; Verified housing payment history - Borrowers have verified mortgage history of 0x30x53 which exceeds minimum 0x30x24 required per guidelines.; |  |  |  |  |
| 900001471 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 55 months of verified reserves when guidelines required 2 months.; Verified employment history - B1 has been employed for xx years with (Employer) as an (occupation).; |  |  | FRAUD 0001 Fraud report alerts have not been addressed - Fraud score 368 Critical Risk. Missing rescored fraud report with all fraud findings satisfactorily addressed. - 02/14/25 Updated and rescored Fraudguard received. All items sufficiently addressed.<br>|  |
| 900001474 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 35 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with (employer) as (position) for xxx years.; Low DTI - DTI 24.57% < 45% Max Allowed.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR decreased > 0.125% within 3 days of closing.<br>CD (date) APR 8.758%<br>CD (date) APR 8.506%<br>Difference 0.252% with closing (date).<br>- EV2/B Non-Material, decrease to APR is deemed to be a benefit to borrower. |  | TITL 0014 Title Policy - Schedule B Exception - Title is not willing to divest the interest of the following party(s):<br>(borrower and name), Husband and Wife as Community Property.<br>Title Exception:<br>9. Deed transferring title from (borrower and name) to (borrower). - 02/19/2025 - Recd final title policy with exception removed.<br>|  |
| 900001477 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - B1 VOE confirms xxx years with present employer. B2 VOE confirms xxx years employment with present employer.; Verified housing payment history - Credit report confirms 39 months satisfactory mortgage rating.; Verified credit history - Middle credit scores 736/731 with no history of delinquency reported in the past 24 months. Minimum credit score required for DTI up to 50%.; | ROR 0011 Right of Recission Is Not on Correct Form - Lender to Lender Refinance was completed on H8 form vs required H9 for the state of CA. - Posted 02/18/2025 - EV2/B Recd ROR (New Rescission Period Expiry Date) and cover letter with courier receipt to evidence delivery to borrower (date). ROR expiration date has passed with no evidence transaction was rescinded. |  | APRV 0001 Missing Underwriter Loan Approval - Missing underwriting decision/loan approval. - 02/14/2025 - Recd underwriting conditional approval.<br>FRAUD 0001 Fraud report alerts have not been addressed - High risk fraud finding not addressed, potential loan churning within past 16 month. No information provided for (loan number). <br>Missing SAM search on B1. - 02/18/2025 - Cleared comments confirm borrowers previous transaction was closed. Review confirmed watchlist search completed on credit report reflects no match. <br>|  |
| 900001479 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 17 months of verified reserves when lender required 2 months.; Verified employment history - Borrower has been employed for xxx years with (employer) as (job title).; |  |  |  |  |
| 900001525 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Both borrowers have been with their current employer xxx years.; Verified reserves - No reserves required. Borrowers are receiving 8.04 months PITIA or $xxx in cash out proceeds.; Verified credit history - FICO 762, minimum required 680; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Missing documentation used to calculate the disclosed property tax payment of $xxx.<br>Estimated Property Costs over Year 1 disclosed as $xxx. Calculated costs over year 1 $xxx, 11 months $xxx<br>Tax $xxx/12=$xxx<br>HOI $xxx/12=$xxx<br>HOA $xxx/12=$xxx<br>- 03/05/2025 - PCCD provided disclosing corrected information with cover letter addressed to borrower. Finding updated to EV2/B. |  | APPR 0002 Appraisal is Incomplete - Missing exterior property inspection (PCI) reflecting average condition or better, as required per guideline when using AVM for valuation. - 02/20/2025 - Recd PCI, property condition is indicated to be in average condition<br>|  |
| 900001487 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 95 months of verified mortgage history paid 0x30 since xx/xxxx.; Verified employment history - B1 has been employed for xxx years with (employer) as (job title).; | APRV 0010 Underwriting Loan Approval is Deficient - Review DTI 44.42% / Approved DT 40.36%, variance > 3% due to difference in liabilities. - EV2/B Non-Material, Max allowed 45%. |  |  |  |
| 900001469 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 57 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self employed owner for xxx years of (employer) per SOS.; |  |  | CRED 0093 Credit Documentation is Insufficient - Missing billing statement for recurring charge on bank statements to ISA NW Mutual of $xxx/xxx monthly. - 02/14/25 Verification of debit being monthly insurance premiums received.<br>|  |
| 900001476 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Established credit history - Open credit dates back to xxxx with no reported lates.; Verified reserves - No reserves required. Borrowers are receiving 34.03 months PITIA or $xxx in cash out proceeds after deducting (creditor) balance.; |  |  | APPR 0002 Appraisal is Incomplete - AVM, PCI and FraudGuard property search do not disclose the number of bedrooms and bathrooms. 1 bed/1 bath used due to lack of information. - 02/14/25 BPO received confirming room counts.<br>|  |
| 900001461 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 37 months of verified reserves when guidelines required 2 months.; Verified employment history - B2 has been employed for xxx years with (employer) as (occupation) per WVOE.; |  |  | CRED 0091 Missing Tax Transcript(s) - Transcripts are not in file. Docs state the borrowers have them locked and the lender would need to request the borrower unlock them, but there is no evidence the lender made the request. - 02/14/26 TPR error. Email in file from (company) confirming transcripts are unavailable due to borrower lock. <br>|  |
| 900001462 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 24 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 99 months of verified mortgage history paid 0x30 per credit report.; |  |  |  |  |
| 900001444 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 31.21%.; Verified credit history - Middle credit score 750 > 680 Minimum Required.; |  |  |  |  |
| 900001482 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 16 months of verified reserves when none are required per guidelines based on 71% LTV.; Low DTI - Low DTI of 37.64%.; |  |  |  |  |
| 900001484 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 21 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 53 months of verified mortgage history paid 0x30 since xx/xxxx..; |  |  |  |  |
| 900001531 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrowers have verified 0x30x49 housing payment history which exceeds minimum 0x30x24 required per guidelines.; Low LTV/CLTV/HCLTV - 74.55% CLTV Is below 80% maximum per guidelines.; |  |  | INS 0001 Missing Sufficient Evidence of Insurance - Missing evidence the homeowners insurance policy includes replacement cost coverage. No replacement cost estimate in file. Dwelling coverage < Total of 1st + 2nd Liens. - 02/24/25 Email from insurance received confirming the policy provides 100% replacement cost.<br>CRED 0093 Credit Documentation is Insufficient - Missing copy of government issued ID for B1. ID and Patriot Act form in file for B2 only. - 03/05/2025 - Executed Patriot Act disclosure for B1 provided. Finding cleared.<br>CRED 0084 Income Calculation Discrepancy - Discrepancy between Borrower 2 pay rate on pay stub vs 3rd party VOI to be addressed, hourly rate on pay stub is $xxx per pay stub, but indicated be $xxx on the 3rd party VOI. - 02/24/25 Cleared per lender response.<br>QCD 0001 Missing Copy of Quit Claim Deed - Missing copy of deed adding borrower 2 to title. - 03/05/2025 - Deed provided adding B2 to title. Finding cleared.<br>|  |
| 900001500 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Credit report confirms 16 months satisfactory mortgage rating on subject property and 33 months on non-subject REO.; Verified credit history - Middle credit score 772 with no history of delinquency reported. Minimum credit score required 700.; | FRAUD 0001 Fraud report alerts have not been addressed - Conflict of Interest Identified - Borrower was qualified using self-employment income from (company), which is also the broker of the subject transaction. The individual loan originator, (name), is also 50% owner of the business. Broker compensation was paid at closing. Missing investor acknowledgement of the relationship between the borrower and broker.<br>- Investor Acknowledged Exception |  | TITL 0014 Title Policy - Schedule B Exception - Schedule B #6 - Missing evidence of satisfaction of judgments or affidavit stating that (name) n/k/a (name) is not one and the same as judgement debtors names instruments recorded:<br>Instruments#:<br>xxxx<br>xxxx<br>Book:<br>23054 pg xxx<br>23064 pg xxx<br>23064 pg xxx<br>23054 pg xxx<br>- 02/19/2025 - Recd Not One and the Same Affidavit.<br>CRED 0104 Missing Letter of Explanation - Missing credit inquiry letter:<br>(Creditor) xx/xx/xx - 02/24/2025 - Recd LOE and revolving tradeline billing statement.<br>DD 0001 Missing Divorce Decree and/or Separation Agreement - Missing divorce decree/settlement agreement to confirm borrower is not liable to pay alimony or child support. Restoration of maiden name provided. - 02/27/2025 - Recd Final Judgment of Dissolution of Marriage and Marital Settlement Agreement.<br>APRV 0003 Missing Loan Approval Date - Missing conditional loan approval/underwriter decision. - 02/19/2025 - Recd underwriting decision.<br>|  |
| 900001481 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed for xxx years with (employer) as (job title).; Verified occupancy in subject property - Borrower has occupied the subject property for xxx years.; Low DTI - Low DTI of 17.84%.; |  |  |  |  |
| 900001511 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed for xxx years with (employer) as (title).; Verified occupancy in subject property - Borrower has occupied subject property for xxx years.; |  |  | TITL 0003 Title Issue affecting Lien Position - Missing final title policy or a new subordination agreement to determine if subject lien is second or third position. Title commitment states paying off/satisfying existing 2nd lien with (credit union); releasing UCC and amending to add (solar). Subordination is for (solar) and is (date); though not signed by lender. - 02/20/2025 - Recd executed subordination agreement, solar lender unconditionally subordinates its lien to the lien on the title from subject transaction.<br>|  |
| 900001497 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower 1 has been on current job 31.55 years.; Low DTI - 15.17% DTI is below 50% maximum per guidelines.; | TRID 0148 LE or CD is Deficient - LE and all CD's have B2 middle initial as N. Borrower signed as M on final CD, esigned documents are esigned as middle initial N. , Compensating Factors: - Non-material issue, informational.Verified employment history |  | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Lender credit of $15.00 is insufficient to cure variance caused by added 10 day extension fee of $130.00 on CD issued (date) - Recd COC, Rate lock extended 10 days resulting in a pricing change.<br>CRED 0097 Missing Verification of Liability (Contingent or Otherwise) - New debt with Foundation on credit supplement does not disclose the payment. The debt is not listed on any of the applications. Based on credit report, liabilities on the final 1003s, and Other Payments on the 1008, it appears the lender used $209.77 as the monthly payment. Missing verification of the monthly payment. - 02/25/2025 Posted response, I'm not sure where the $209.77 is. I cannot locate that on any docs. We did a worse case of using 84 months at 15%. Payment shows $63.81. DTI went from 15.2% - 15-6%. Uploaded revised 1003.<br>--Finding is cleared with posted response, attached payment calculator, and revised 1003. The addition of the liability does not materially change the qualifying DTI.<br>APRV 0003 Missing Loan Approval Date - Missing the lender's approval, only the unsigned 1008 is in the file. - 02/20/2025 Finding re-reviewed. The commitment letter signed and dated by the underwriter provides the terms of the conditional approval with expiration (date). 1008 and loan detail report in file to support.<br>|  |
| 900001529 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xx per CBR.; Verified occupancy in subject property - Borrower has occupied the subject property for xxx years.; | CRED 0004 Back-end Ratio exception (DTI) - DTI 48.23% exceeds 45%, borrower's residual income of $xxx does not meet the $xxx requirement for DTI up to 50%. - 03/04/2025 - EV2/B Investor Acknowledged Exception.<br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated xx/xx/xx<br>does not indicate if the borrower declined an escrow account or if the lender does not offer one. - Non-material issue |  |  |  |
| 900001506 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 59 months of mortgage history paid 0x30 since xx/xxxx per CBR.; Verified occupancy in subject property - Borrower has owned and occupied the subject property for xxx years.; |  |  | APP 0032 Residency documentation is missing or incomplete - Borrower is permanent resident alien per Application. Residency documentation is not in file. - 02/20/25 Front and back copy of borrower permanent resident card received. Expiration date xx/xxxx.<br>|  |
| 900001486 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 24 months mortgage history required, credit report reflects 111 months of mortgage payments paid satisfactorily.; Verified credit history - 736 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 68.98% CLTV w/a max allowed of 85% with Fico > 700.; |  |  | TRID 0009 Initial Closing Disclosure Sent Method Not In Person and No Received Date - Missing evidence of delivery of initial CD (date). - 02/18/2025 - Recd disclosure tracking to evidence delivery to borrower of the initial CD on the issuance date.<br>|  |
| 900001514 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 79 months of verified reserves when none were required by guidelines based on LTV.; Low DTI - Low DT.22%.I of 25; Low LTV/CLTV/HCLTV - Low CLTV of 47.64%.; | TRID 0171 Missing valid Change of Circumstance(s) - COC for second LE issued xx/xx/xx states loan amount changed. No change in loan amount occurred from prior LE. - Non-material issue - no fee violations |  | TRID 0137 Cannot Reconcile LE / CD Versioning - LE issued xx/xx/xx is different from the second LE issued xx/xx/xx. The first LE does not have a loan number or Lender listed. It is unclear if the LE was presented to the borrowers, no tracking or receipt is noted in file. - 02/21/25 Confirmation received from lender that the LE not reflecting a loan number was not provided to the borrower(s).<br>|  |
| 900001488 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low LTV of 59.32%.; Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xxxx per CBR.; Verified occupancy in subject property - Borrower has owned and occupied the subject property for xxx years.; |  |  |  |  |
| 900001544 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 759 Credit score exceeds minimum 680 per guidelines.; Disposable Income - Borrowers have $xxx in disposable income.; |  |  | APRV 0003 Missing Loan Approval Date - Lender approval not in file. Unsigned 1008 on page xxx. - 02/26/2025 - Recd screen print from the lenders LOS reflecting clear to close date and loan terms summary.<br>CRED 0097 Missing Verification of Liability (Contingent or Otherwise) - Missing verification of the following liabilities listed on the final 1003 but not documented in the file:<br>xxxx payment $xxx, balance $xxx<br>xxxx payment $xxx, balance $xxx<br>xxxx payment $xxx, balance $xxx<br>xxxx payment $xxx, balance $xxx<br>xxxx payment $xxx, balance $xxx<br>- 03/06/2025 - Reoccurring payments on bank statements provided and included in DTI calculations. Finding cleared.<br>|  |
| 900001516 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Established credit history - Credit history dates back xxx years with no reported default.; Verified employment history - Borrower's business has been in operation xxx years; Verified reserves - No reserves required, borrower is receiving $xxx or 39.61 months PITIA in cash out proceeds.; | COMP 0010 Missing Affiliated Business Disclosure - ABD and / or FACTS Disclosure for Broker are not in file. Tested Appraisal and Title Fees as paid to an affiliate with no changes to compliance testing results. - Non-material issue, no compliance issues.<br>CRED 0082 Income Documentation is Insufficient - Missing Business Narrative, as required per guidelines for bank statement loans. - Investor Acknowledged Exception |  | TRID 0008 Initial CD Received Date is < 3 business days prior to Consummation Date - Initial CD issued and received xx/xx/xx. Final CD issued xx/xx/xx and received xx/xx/xx. -- - 02/20/25 Initial CD issued/received xx/xx/xx received.<br>APRV 0003 Missing Loan Approval Date - Missing the lender approval, only the unsigned 1008 is in the file. - 02/20/25 Lender loan approval received.<br>|  |
| 900001452 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 12 months of verified reserves when guidelines required 2 months.; Verified housing payment history - 76 months of verified mortgage history paid 0x30 since xx/xxxx per CBR.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD issued xx/xx/xx APR 12.669%, CD issued xx/xx/xx APR 12.531%<br>- Non-material issue. Reduction in APR by .138 is a benefit tot he borrower.<br>COMP 0010 Missing Affiliated Business Disclosure - Affiliated Business Disclosure /Facts not in file. Coded unknown fees to Affiliate. No change in compliance results. <br>- Non-material issue. No compliance issues. |  |  |  |
| 900001472 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV; Verified occupancy in subject property; |  |  |  |  |
| 900001498 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 54.9%.; Verified employment history - Borrower has been employed for xxx years with (employer) as (job title) per TWN.; |  |  | ROR 0004 Right of Rescission is not executed by Title Holder(s) - Missing ROR for co-title holder, (name). (Name) is not a borrower on Note, but is a title holder per Title Commitment and signed the Mortgage. No Warranty or Quit Claim deed removing NBS from title in file. - 02/20/25 Executed ROR by NBS received.<br>|  |
| 900001485 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned and lived in the subject property for xxx years.; Verified housing payment history - Borrower has 99+ months of mortgage history paid 0x30 per CBR. One mortgage late more than 7 years prior.; |  |  |  |  |
| 900001468 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - The borrower has been with their current employer xxx years.; Verified reserves - 2 months reserves or $xxx required, 33.19 months reserves or $xxx received in cash out proceeds.; |  |  | TITL 0013 Title Policy - Schedule A Exception - Title Commitment is missing the Exhibit A legal description. - 02/18/2025 - Recd title commitment with Exhibit A.<br>|  |
| 900001478 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Both borrowers have been with their current employer xxx years.; Verified reserves - No reserves required, 28.58 months reserves or $xxxx received in cash out proceeds.; |  |  |  |  |
| 900001504 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Credit report confirms 39 months satisfactory mortgage rating on 1st lien and 56 months on 2nd lien.; Verified employment history - VOE confirms xxx years employment with present employer.; | CRED 0072 VVOE dated outside of required timeframe - VOE completed > 10 business days prior to closing (date) and post-consummation (date). Guideline required VOE to be completed within 10 business days prior to closing. - EV2/B Non-Material, Post-consummation dated VOE is in support of the pre-consummation dated VOE, paystubs, W2, and 3rd Party VOI. |  | FRAUD 0001 Fraud report alerts have not been addressed - Fraud report alert for potential undisclosed REO, (address), was not satisfactorily addressed. Ownership, (name with suffix), as per property detail report. Processor cert states property is owned by the borrowers son, (name), and that the borrower is (name with suffix). Name affidavit and credit report both reflect borrower associated with xxx and xxx. Government issued ID does not provide suffix . Review is unable to confirm if borrowers legal suffix is xxx or xxx. It is noted that vesting is 1%, as per grant deed. - 02/20/2025 - Our borrower is the parent, he has been on the subject property with his spouse (nbs name) since (year), of whom he is still married to per recorded deed of trust on subject property. The property at (street address) is owned by his son, of which the deed of trust shows him recording as unmarried man in (year) with another unmarried individual. If our borrower was married to the same person since (year), they would not be the individual on the (street name) property as that deed shows recorded as unmarried in (year). There is an LOE and supporting documentation in file. <br>--Agree, finding is cleared.<br>|  |
| 900001507 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - The borrower has been with their current employer since xxxx.; Verified reserves - 2 months reserves or $xxx required, 33.65 months reserves or $xxx received in cash out proceeds.; | GIDE 0001 Guideline Exception(s) - Per guidelines, the borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note. The first mortgage note borrowers are (name) and (name), the second mortgage note only reflects (name). - EV2/B - Investor Acknowledged Exception in file. |  | APP 0002 Final 1003 Application is Incomplete - Missing page 8 of the final application. Lender/broker information not included. - 02/19/25 Complete copy of the final executed 1003 received.<br>APRV 0001 Missing Underwriter Loan Approval - Missing 1008 UW Transmittal and Lender approval from the file. - 02/19/25 Lender loan approval received.<br>TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Amount of non-specific lender credits has decreased without a COC. Initial CD lender credit $xxx to $xxx without valid changed circumstance. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($xxx) has decreased from the amount disclosed on the Loan Estimate sent on xx/xx/xx, ($xxx). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - 02/19/25 COC received, finding cleared upon resubmission with COC.<br>|  |
| 900001610 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Credit report confirms 33 months satisfactory mortgage rating on 1st lien.; Verified credit history - Middle credit score 731 > 700 Minimum Required.; | ROR 0011 Right of Recission Is Not on Correct Form - H8 form used on a lender-to-lender refi. H9 form should be used in CA. <br>- EV2/B Corrected ROR, LOE to borrower, and Fed-Ex tracking received. Delivery confirmed xx/xx/xx. |  | TRID 0022 Last Loan Estimate Received Date and Consummation Date - Last LE provided issued on xx/xx/xxxx on page xxx was esigned on xx/xx/xxxx. Final CD issued xx/xx/xxxx on page x reflects closing date of xx/xx/xxxx was executed by the borrower on xx/xx/xxxx. -- The last Loan Estimate Received Date of (xxxx-xx-xx) is not 4 business days before the consummation date of (xxx-xx-xx). Four business days before consummation is (xxxx-xx-xx). Under Regulation Z, a consumer must receive a revised Loan Estimate no later than 4 business days before consummation. (12 CFR 1026.19(e)(4)(ii)) - 03/03/2025 03/03/2025 - The LE dated xx/xx/xxxx was provided due to rate lock with no APR increase. Waiting period acceptable. Finding cleared.<br>CRED 0133 HOA Payment is not verified - Missing verification of HOA liability. Review used ($), as reflected on the 1008. - 04/08/2025 Recd dated zillow search on subject property (PIN) confirms a monthly HOA fee of ($).<br>COMP 0036 Affiliated Business Disclosure Is Not Executed - Missing borrower signed ABD. ADB's provided in file are not executed (pg xxx-xxx). - 03/13/25 TPR Error. No requirement for ABD to be executed.<br>DEED 0007 Missing PUD Rider - Missing PUD Rider to DOT (pg xx). Subject is a PUD as per existing 2nd lien DOT (pg xxx) and supplemental title report (pg xxx). - 04/15/2025 04/15/25 Copy of recorded mortgage with PUD rider received.<br>FRAUD 0001 Fraud report alerts have not been addressed - High risk fraud finding for potential loan churning does not provide any commentary in the cleared comments (xxx). Subject transaction is a no cost refinance with rate reduction of 0.25%, but nothing in file addresses the reason for the refinance after previous refinance in x/xxxx. - 02/25/2025 Recd response from lender, Oaktree confirms there was an error on the prior loan that was closed in Sept xxxx- Loan #xxxxxxxxxx. When the co-borrower was added to the account Oaktree did not provide 7 business days prior to closing from the initial LE therefore we had to refinance the loan. In doing so, due to our error we provided a rate reduction to the borrower. <br>APP 0004 Initial 1003 Application is Incomplete - Missing borrower / originator signed initial 1003. Initial application in file is not executed (pg xxx). - 04/15/2025 04/15/23 LO executed initial 1003 received.<br>CRED 0116 Loan has a reserve requirement and no assets entered - CLTV > 75% requires 2 months reserves. No documented reserves in file. Loan proceeds were used to payoff recently acquired second lien with no cash to borrower. - EV2/B Investor Acknowledged Exception - 05/05/2025 EV2/B Investor Acknowledged Exception<br>TRID 0045 Document Intent to Proceed with the Transaction - Missing intent to proceed date. ITP form in file is not executed (pg xxx). -- ou did not submit an Intent to Proceed Date, which represents the date the consumer acknowledged their intent to proceed with the transaction described by the Loan Estimate. The creditor must document this communication to satisfy the requirements of 1026.25. Neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) - 03/13/2025 03/12/25 Cleared, No fees were charged to the borrower.<br>TITL 0013 Title Policy - Schedule A Exception - Missing title commitment or final title policy reflecting the correct policy amount for subject transaction. Title commitment in file reflects a proposed amount of ($) (pg xxx). Closing condition required Schedule B exception #12 to be removed (pg xxx). - 02/25/2025 Recd short form residential loan policy, amount of insurance ($) with title B exception 12 removed.<br>|  |
| 900001499 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 54.84% < 75% Max Allowed; Verified occupancy in subject property - Borrowers have owned and occupied subject property for xxx years.; |  |  | TRID 0008 Initial CD Received Date is < 3 business days prior to Consummation Date - Missing initial CD dated xx/xx/xx. -- The Initial Closing Disclosure Received Date of xx/xx/xx) is not three business days before the consummation date of (xx/xx/xx). Three business days before the consummation date is (xx/xx/xx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii))<br>- 02/21/25 Copy of initial CD dated xx/xx/xx received.<br>|  |
| 900001480 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 62.02%.; Low DTI - Low DTI of 29.61%.; |  |  |  |  |
| 900001501 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 28 months of verified reserves when guidelines required 2 months.; Low DTI - Low DTI of 27.98%.; |  |  |  |  |
| 900001483 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 60.72%.; Low DTI - Low DTI of 29.13%.; |  |  |  |  |
| 900001554 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 768/807 Middle Credit Scores > 700 Minimum Required.; | CRED 0072 VVOE dated outside of required timeframe - B1 ownership, (xxxx) is 9.5%. Missing verification of active employment. The borrower is not considered self-employed, thus Google search, xxx Statement of Information, and 2023 K-1 do not satisfactorily document current employment status - 03/21/2025 VVOE received.<br>CRED 0093 Credit Documentation is Insufficient - Missing copy of the Note(s) on subject property first lien and non-subject REO. The mortgage billing statements in file both reflect unpaid second principal balances. Modifications from original terms are ineligible per guidelines. - Investor Acknowledged Exception |  | DD 0001 Missing Divorce Decree and/or Separation Agreement - Missing B1 xxxx to verify they are not personally liable for x. REO transaction hixxxstory reflects, divorce/dissolution of marriage with xxxx. - 03/12/2025 xx/xx/xx Divorce decree received. No obligation verified.<br>CRED 0082 Income Documentation is Insufficient - Missing B1 verification of xxxx income. P&L/Balance Sheet was provided, however borrowers ownership of 9.5% < 25% and there is no evidence that the financial statements were CPA prepare. - 03/21/2025 - Post close VOE from documented CPA showing active employment. Finding cleared.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Updated Exception - CD disclosed $xxx Monthly Servicing Reserve Fee with Property Costs Over Year 1 of $xxx. Review is unable to source Monthly Servicing Reserve Fee. 1st lien is escrowed. Only non-escrowed property costs are required to be disclosed. <br>Original Exception - Property costs over year 1 of $xxx was calculated using Monthly Servicing Reserve Fee. Missing documentation to source the liability. - 03/06/2025 xx/xx/xx - Copy of LOS provided, showing Monthly Servicing Reserve Fee charged to borrower. Finding cleared.<br>TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing disclosure tracking to evidence delivery of the latest issued (xx/xx) LE to borrower. E-tracking stamp at top of the disclosure is illegible. -- A revised Loan Estimate was provided on (xx/xx/xx) via (courier). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (xx/xx/xx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xx/xx/xx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xx/xx/xx). (12 CFR 1026.19(e)(4)(ii)) - Recd disclosure tracking to evidence delivery of the latest issued LE to borrower on the issuance date.<br>|  |
| 900001491 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Post-consummation dated VOEs confirm xxx years employment with present employer for B1 and xxx years employment with present employer for B2.; Verified housing payment history - Credit report confirms 44 months satisfactory mortgage rating.; Verified credit history - Middle Credit Scores 748/735 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 65.38% CLTV < 80% Max Allowed.; | CRED 0007 Missing Employment doc (VOE) - VOEs completed (date), which is after the note date (date). Lender approved exception in file. Per guidelines, VVOE must be completed within 10 business days prior to the Note date. Investor acknowledged exception in file, however, comments state paystubs must be dated within 30 days of the Note date. Paystubs in file > 30 days (Post-Consummation). - 02/26/2025 - EV2/B Investor Acknowledged Exception. Post-consummation dated paystub is dated within 30 days of the Note date, as required by investor, and confirms active employment status prior to and after closing. Post-consummation dated paystub and VOE are in support of the pre-consummation dated paystub > 30 days at closing, W2s, and wage transcripts in file. |  |  |  |
| 900001537 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 has been (occupation) of (company) for xxx years. B2 has been employed as (occupation) for xxx years.; Low LTV/CLTV/HCLTV - Low OCLTV of 57.66%.; |  |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - ROR Expiration Date is xx/xx/xx Final CD dated xx/xx/xx shows disbursement date of xx/xx/xx . Final settlement statement not provided to verify actual disbursement date. - 03/03/2025 - Alta Settlement statement received discloses disbursement date after rescission expiration. Finding cleared.<br>NOTE 0047 Note has not been properly executed and Missing Name Affidavit - Missing Borrower Name/Signature Affidavits to verify borrower(s) signatures. - 02/25/2025 - Recd signature/name affidavits.<br>DEED 0021 Missing Legal Description on Mortgage/DOT - Missing Exhibit A Legal description to the Mortgage. - 02/25/2025 - Recd DOT with Exhibit A.<br>|  |
| 900001515 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been self-employed co-owner of (business) for xxx years.; Verified occupancy in subject property - Borrower has owned/occupied subject property as primary residence for xxx years.; |  |  |  |  |
| 900001534 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 24 Months of verified reserves when non were required per guidelines on LTV, 75%.; Verified employment history - B2 has been employed as (title with (company) for xxx years.; |  |  | COND 0007 Missing Condo Project Number of Units - Missing number of units as appraisal is on incorrect form. - 03/07/2025 03/08/2025 - Subject appraisal provided listing of unit for subject property. Finding cleared.<br>COND 0002 Condo Documentation is Insufficient - Missing xxx questionnaire and all supporting xx docs. - 02/28/2025 Fannie Mae does not require a thorough project review for detached xxx units.<br>COND 0010 Missing Lender Project Condo Classification - Missing lender project designation of Warrantable or Non-Warrantable for xxxx. - Fannie Mae does not require a thorough project review for detached xxx units.<br>APPR 0002 Appraisal is Incomplete - Appraisal was completed on a standard 1004 form not a 1073 form. Subject property verified as a xxx per title which states "xxx". (pTC xxx/ legal pg xxx; Condo Rider to Mtg xxx) - 03/07/2025 03/08/2025 - Subject appraisal form acceptable as provided. Finding cleared.<br>|  |
| 900001502 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 68.18%.; Verified employment history - Borrower has been employed as (occupation) with (company) for xxx years.; |  |  |  |  |
| 900001503 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 47.42%.; Verified reserves - 83 months of verified reserves when guidelines required none based on LTV <75%.; |  |  |  |  |
| 900001510 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 52 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed as (title) for xxx years with (employer).; Low DTI - Low DTI of 33.01%.; |  |  | CRED 0093 Credit Documentation is Insufficient - Missing executed authorization to close credit line. Document in file was not executed by the borrower. - 03/04/2025 - Borrower executed authorization to close credit line provided. Finding cleared. <br>|  |
| 900001555 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed for xxx years as (title) with (employer).; Low DTI - Low DTI of 31.29%.; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Lender credit of $xxx is insufficient to cure fee variance due to increase in recorded fees. Settlement statement reflects $xxx and CD issued xx/xx/xx reflects $xxx. Review used amount of $xxx for compliance testing as this is a dry funding state. - EV2/B Post Closing Corrective Action. |  | TITL 0014 Title Policy - Schedule B Exception - 7. Solar - Solar contract page xxx <br>8. XX (Solar) Prepayment letter on page xxx states the contract has been prepaid but the payment does not terminate the contract. <br>9. Solar<br>10/11 ADU Mechanics lien (page xxx) paid off on final CD on page xxx.<br>Missing final title policy with mechanics lien removed (Title Exceptions 10-11). Also missing UCC termination or subordination agreement (Title Exceptions 7-9). - 03/14/25 Based on the documentation at the time of review there is no indication of current lien position issues.<br>TRID 0148 LE or CD is Deficient - The recording fees on the final settlement statement and CD do not balance. Final CD issued xx/xx/xx section E reflects recording fee of $xxx. Description of fee reflects Mortgage $xxx. Settlement statement reflects recording fees of $xxx / $xxx to xxxx County and $xxx to Affordable Housing Act to xxx Co.). Final compliance compliance testing is subject to receipt of final CD for dry funding state. - 03/03/25 Final CD for dry funding state received. Recording fees were updated to match the settlement statement.<br>|  |
| 900001557 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 35 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self employed for 8.86 years and in the same line of work for 25 years.; | NMLS 0011 NMLS IDs do not match - Individual name and NMLS on the Final CD differs from Note, Mortgage and Final 1003. CD reflects ID xxxxx. Other docs reflect ID xxxxxx. - EV2/B Post Closing Corrective Action - 03/21/25 LOE to borrower and corrected PC CD received. |  | TRID 0192 Appraisal Dated prior to Intent to Proceed Date - Appraisal is dated 11/19/24 (pg. 526) and fee was paid outside of closing. ITP is dated 1/8/25 (pg. 639). - 03/03/2025 - Documentation in file supports seller response to finding. Finding cleared.<br>|  |
| 900001513 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 59.34%. Max 85%.; Verified employment history - B1 has been employed (position) for xxx years with (employer). B2 has been employed as (position) for xxx years with (employer).; |  |  |  |  |
| 900001505 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low OCLTV of 49.28%.; Verified reserves - 45.9 months of verified reserves when none were required per guidelines on LTV <75%.; Low DTI - Low DTI of 28.29%.; |  |  | HAZ 0004 Hazard Insurance Coverage Amount is Insufficient - Hazard coverage is $xxx. Replacement cost per Appraiser is $xxx. Coverage is insufficient to cover 1st and 2nd liens. - 03/04/2025 - Replacement cost estimator provided showing an estimated replacement cost value of $xxx.<br>|  |
| 900001527 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 61.51%.; Verified employment history - Borrower has been employed as (job title) with (employer) for xxx years.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval and 1008. - 03/05/2025 - Lender loan approval provided. Finding cleared.<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing copy of the final settlement statement to verify the actual disbursement date for dry funding state. Disbursement date per Final CD is xx/xx/xx. ROR expiration date is xx/xx/xx. Earliest valid disbursement date is xx/xx/xx. - 03/06/2025 - Dry funding state. PCCD provided. Confirmed disbursement occurred after RTC expiration. Finding cleared.<br>|  |
| 900001512 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV; Verified occupancy in subject property; Low DTI; |  |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date <br>CR 0012 Missing Bank Statement(s)<br>|  |
| 900001533 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history; Verified credit history; |  |  | TITL 0003 Title Issue affecting Lien Position<br>INS 0001 Missing Sufficient Evidence of Insurance<br>QCD 0001 Missing Copy of Quit Claim Deed<br>|  |
| 900001509 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 63.32%.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property as their primary residence for xxx years.; |  |  |  |  |
| 900001528 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 has been employed with (employer) for xxx years as (title). B2 has been employed with (employer) for xxx years as (title).; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for xxx years.; |  |  | APPR 0002 Appraisal is Incomplete - Missing appraisal transfer letter from Lending Force LLC to New American Funding. Appraisal supplemental addendum reflects the original lender and NAF as the current lender. - 03/10/25 Verification of appraisal transfer received.<br>|  |
| 900001538 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 11 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has occupied and owned the subject property for xxx years.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material. |  |  |  |
| 900001542 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 55.55%.; Verified employment history - B2 has been employed with (company) for xxx years as (title). ; |  |  |  |  |
| 900001561 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - Borrower has 99+ months of mortgage history paid 0x30 per CBR since 08/2017.; Verified occupancy in subject property - Borrower has owned and occupied the subject property for 5.75 years.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Missing copy of HOA statement to verify correct HOA amount to determine if the estimated property costs were disclosed correctly. Final CD dated 02/24/25 (pg. 369) discloses HOA at $125 per month; $1,500 per year. Appraisal (pg. 203) shows $125 per month. AMC memo (pg. 171) requests correction to $135 per month per HOA statement. If HOA fee is $135 a corrective PC CD will be required. Final review pending. - EV2/B Post Closing Corrective action- LOE to borrower and corrected PC CD received. |  | TRID 0192 Appraisal Dated prior to Intent to Proceed Date - Appraisal is dated 11/19/2024 (pg. 197) which is prior to the application date of 02/04/2025. Missing transfer letter from broker to lender. - 03/11/25 Verification that the Broker paid for the appraisal upfront received. Appraisal fee collected from borrower at closing. No fees charged prior to closing.<br>DEED 0050 Scrivener's Error - Mortgage notary date (pg. 469) says 3/24/2025. It should say 2/24/2025 as that is the date all loan docs were signed. The mortgage was not notarized on 3/24/2025 as that is a future date. - 03/07/25 Affidavit of correction to recorded document received. Notary acknowledgment to be corrected. <br>|  |
| 900001549 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with (employer) as (title) for xxx years.; Verified occupancy in subject property - Borrower has owned and occupied the subject property for xxx years.; | CRED 0004 Back-end Ratio exception (DTI) - Review DTI of 47.87% vs lender 1008 39.72%. Variance in net rental income from REO 2. In reviewing the lender's rental income wks, lender did not subtract the total expenses of $xxx per the Sch E. Borrower does meet the requirements up to DTI of 50%. - EV2/B Non-Material. Borrower does meet the requirements for DTI of 50%. |  |  |  |
| 900001539 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low OCLTV of 63.62%.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for xxx years.; | DEED 0050 Scrivener's Error - On signature line of Mortgage M2 has crossed out her name. Correct name is not written in. M2 name is typed as XXX XXX. Should be XXX XXX per Name Affidavit. No correction is made to M2 name on page xxx of Mortgage. - EV2/B Non-Material Changes to name initial by borrower and Signature/Name Affidavit reflects name as signed.<br>ROR 0002 Right of Rescission is Incomplete - ROR for B2 has her name crossed off below signature line. Correct name is not written in. Correct name is XXX XXX. - EV2/B Non-Material Changes to name initial by borrower and Signature/Name Affidavit reflects name as signed.<br>NOTE 0060 Scrivener's Error - B2 name on signature line of Note has been crossed out. Correct name is not written in. Name was typed as XXX XXX. Should be XXX XXX per Name Affidavit. - EV2/B Non-Material Changes to name initial by borrower and Signature/Name Affidavit reflects name as signed. |  | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing valid COC for increase of Loan Discount on CD issued xx/xx/xxfor Discount increased from $xxx (.625%) to $xxx (1.25%) which is variance of $xxx. COC on states value is different than estimated. Value came in higher, which reduces the LTV. This is not a reason to increase the discount points. Lender credit of $xxx added on Final CD offsets the increased Credit Report fee. - 03/18/25 LOE and screen print from the lender's LOS received. Additional factors for change noted in comments include updated CBR was required, fico decreased resulting in the lock having to be adjusted. Discount increased from .625% to 1.25%. Finding cleared upon re-submission with accurate COC reason.<br>|  |
| 900001520 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 51.52%.; Verified reserves - 42 months of verified reserves when guidelines required none based on low LTV.; Verified employment history - Borrowers have been self-employed owners of (company) for xxx years.; | TRID 0148 LE or CD is Deficient - CD Escrow Account section is deficient, lender does not indicate if an escrow account was declined or if one was not offered. - EV2/B Non-Material |  |  |  |
| 900001545 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 68.55%.; Verified employment history - Borrower has been employed with current employer for xxx years.; | COMP 0020 Incomplete Change of Circumstance - COC describes increase in loan amount with resulting increase in Loan Discount and Mortgage Tax. COC does not explain why the credit report fee also increased. - EV/B Post-Closing corrective action- Copy of PC CD dated xx/xx/xx received with LOE to borrower, Copy of refund check in the amount of $xxx, and (courier) tracking. Delivery verified xx/xx/xx. Receipt of this PC CD and refund is sufficient to cure the 0% tolerance fee. |  |  |  |
| 900001548 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - The borrower's business has been in operation since 2012.; Low DTI - DTI 21.56%, up to 45% acceptable; | CRED 0082 Income Documentation is Insufficient - Missing written business narrative, required per guidelines.<br>- Investor Acknowledged Exception |  | CRED 0067 Missing Verifiable Months of Income Earnings - Missing p1 of the 2/29/2024 statement used in income calculation, only pages 2-6 present in the file (p504). Unable to complete review of 12 months bank statements, used the XX/XX net deposits of $325,810.52 from the calculator.<br>- 03/11/25 Page 1 of statement received. Deposits/income calculation updated.<br>|  |
| 900001550 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been (title) of (company) for xxx years in addition to maintaining a full time job as a (title) with multiple companies.; Verified occupancy in subject property - Borrower has occupied and owned the subject property for xxx years.; |  |  |  |  |
| 900001571 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified employment history; Verified reserves; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Initial CD issued 02/19/2025 discloses an APR of 8.824%. The rate is lowered and the final APR disclosed on CD issued 02/24/2025 is 8.472%. Corrected APR was not disclosed 3 days prior to closing. - EV2/B Non-Material APR decreased thus benefit to borrower. |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing final approval/1008. The documents in the file (pxx, 158) reflects an interest rate of 8.375%, per the Note (pxxx) the interest rate is 8.125%. - 03/17/25 Final loan approval reflecting rate of 8.125% received.<br>TRID 0172 Missing revised LE after Change of Circumstance - COC (Page xxx) states loan amount was changed on 02/06/2025 to $147,000. COC (Page xxx) states the same change, disclosed with CD issued 02/19/2025. Missing LE or CD showing change in loan amount corresponding to COC issued 02/06/2025 within the required timeframe. - 03/20/25 Cleared per lender response as no corresponding disclosure was issued with the COC. Updated disclosure provided at the time the loan was locked.<br>|  |
| 900001532 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 59.46%.; Verified occupancy in subject property - Borrowers have occupied the subject property for xxx years.; Income verified was not used in qualifying - B2 has a full time job with (employer) and her income was not used or needed in qualification.; | TRID 0148 LE or CD is Deficient - Escrow Account information on the Final CD dated xx/xx/xx does not reflect if the borrower declined or if the lender did not offer an escrow account. - EV2/B Non-Material |  |  |  |
| 900001536 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - The borrower has been with their current employer xxx years.; Low DTI - DTI 34.72%, up to 45% acceptable.; |  |  | APPR 0076 Appraisal Discrepancy - The subject property has financed solar panels, per the credit report the balance is $xxx. Appraiser comments that the borrower stated the panels would be paid off at closing and if they were not there could be an impact on the conclusion of the appraisal report. Per the final CD they are not paid off and there is no credit supplement reflecting a $0 balance. Missing updated appraiser comments adjusting as needed to address the financed solar panels. - 03/12/25 Updated appraisal received. Supplemental Addendum reflects the following update \*\*xx/xx/xx Revision Request\*\* If solar panels are not paid off at closing, the conclusion does not appear to be impacted since the conclusion of this report is still supported. <br>|  |
| 900001540 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 36 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has occupied the subject property for xxx years.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing wage & income transcripts as required by guidelines. - 03/17/25 xxxx/xxxx 1040 transcripts received.<br>|  |
| 900001526 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 57.713%.; Verified employment history - Borrower has been employed with (employer) for xxx years as (occupation).; |  |  |  |  |
| 900001530 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 49.06%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for xxx years.; |  |  |  |  |
| 900001551 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - 2 months PITIA reserves or $xxx required, borrower is receiving 39.82 months PITIA or $xxx in cash out proceeds.; Verified credit history - FICO 777, minimum required 700.; | CRED 0082 Income Documentation is Insufficient - Missing written Business Narrative, as required per guidelines. - Investor acknowledged Exception |  | CRED 0006 Missing Employment doc (VVOE) - Missing verification of the borrower's xxx employment within 30 calendar days of the Note date, as required per guidelines. There is a CPA Letter in the file (pXX-XX) but it is not dated. No verification of the CPA in the file. - 03/13/25 CPA letter dated xx/xx/xx received.<br>|  |
| 900001552 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with (company) as (occupation) for xxx years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for xxx years.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated xx/xx/xx does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-Material |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Legal Description is not attached to or contained within Mortgage. - 03/12/25 Schedule A to mortgage received.<br>|  |
| 900001547 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been (title) of)company) for xxx years.; Low DTI - Low DTI of 14.58%.; |  |  |  |  |
| 900001562 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV 59.23%.; Verified reserves - 191 months of verified reserves when none were required per guidelines based on low LTV.; Verified employment history - Borrower has been employed with (business) as (position) for 14.8 years.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Updated: Final CD (date) disclosed Estimated Property Costs over Year 1 of $8765.88. With verified HOA dues of $571/month, review calculated $11,775.00. Variance is due to lender using the basic policy premium vs the actual policy premium of $1628.12 and HOA dues of $335/month.<br>Original: Final CD (date) disclosed Estimated Property Costs over Year 1 of $8765.88. Review calculated $8943. Variance is due to lender using the basic policy premium vs the actual policy premium of $1628.12 \*\* Note final calculation is pending verification of subject HOA dues.\*\* - 03/31/2025 - Recd PCCD with cover letter. |  | CRED 0133 HOA Payment is not verified - Missing verification of subject HOA dues. Review utilized estimated amount of $335 per the 1008 to qualify. - 03/28/2025 3/28/2025 - Recd evidence of subject HOA payment, $571/month. DTI with HOA and VA benefits 39.98%.<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing copy of the final settlement statement for dry funding state to verify the actual disbursement date. Final CD (date) reflects the disbursement (date) which is the same date that the ROR expired. Earliest disbursement date would have been (date). - 03/21/2025 - Final Settlement Statement provided reflecting a disbursement (date). Finding cleared.<br>CRED 0082 Income Documentation is Insufficient - Missing documentation to verify (agency) benefits of $1523.93 used to qualify for B1. (DTI excluding this income results to 45.72%. It is noted that the borrower does qualify for DTI up to 50%) - 3/28/2025 - Recd evidence of (agency) Benefit, $4,044.91. DTI with HOA and (agency) benefits 39.98%.<br>|  |
| 900001535 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for xxx years.; Verified housing payment history - 73 months of verified mortgage history paid 0x30 since 06/2018.; |  |  |  |  |
| 900001546 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 11 months verified reserves when guidelines required 2 months.; Verified employment history - B1 has been employed with employer for xxx years as (occupation).; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material |  | APP 0001 Missing Final 1003 Application - Missing copies of the final executed 1003s for all borrowers. Application in file indexed as "Final" is the initial which was executed by the borrowers on xx/xx/xx. Closing date xx/xx/xx. - 03/18/25 Final executed 1003s for all borrowers received.<br>|  |
| 900001569 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified employment history; Low DTI; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate |  | CRED 0082 Income Documentation is Insufficient - Missing business narrative as required for bank statement program. - 03/14/25 Business narrative received.<br>|  |
| 900001570 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 9 years.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - COC (Page 50) for the increased credit report fee ($25 to $55) states reason for the increase is actual cost per invoice. This would not be considered valid change in circumstance for the increase. Refund for fees over the legal limit required. - EV2/B Post-Closing Corrective Action -03/26/25 Delivery verified.<br>03/21/25 LOE, PC CD dated 03/20/25, refund check in the amount of $30, and Fed-Ex tracking received. |  |  |  |
| 900001572 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history; Verified occupancy in subject property; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing |  |  |  |
| 900001556 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 58.82%.; Verified employment history - Borrower has been employed with current employer for xxx years.; |  |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for added title endorsement of $xxx. Appraisal was completed subject to, thus requiring a re-inspection fee of $xxx added on CD issued xx/xx/xx. Discount increase may be removed due to rounding. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xx/xx/xx: Loan Discount, Title Endorsements, Re-Inspection Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 03/25/25 COC dated xx/xx/xx for re-inspection fee received. Finding cleared upon re-submission with COC.<br>|  |
| 900001559 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 has been employed with current employer for 15 years. B2 has been employed with current employer for 18 years.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 8 years.; |  |  | TITL 0014 Title Policy - Schedule B Exception - 03/25/25 Email received from LRCP: We would not consider this an exception as the property is owned "fee simple" and Indian claims are considered a minor impediment per Fannie if the title company insures against loss. In this case, the title company is insuring against any loss from this claim per the language in report.<br>|  |
| 900001568 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 12 months of verified reserves when guidelines required 2 months.; Verified employment history - B1 has been employed with current employer 16.5 years.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for CD issued 3/3/2025 on page 696 increasing the discount fee. |  |  |  |
| 900001585 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 57.47%.; Low DTI - Low DTI of 28.88%.; | TXEQ 0008 Final Application not provided within 1 business day of closing - Final app (xxx) esigned date typed x/x/xxxx. Security agreement (xx) hand signed x/x/xxxx. - EV2 Post-Closing Corrective Action |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - CD issued xx/xx/xxxx (xxx) has disbursement date of xx/xx/xxxx. ROR (xxx) hand dated xx/xx/xxxx. - 03/19/25 ROR reflecting transaction date and execution date of xx/xx/xxxx and expiration date of xx/xx/xxxx received. Lender verified the borrower made a mistake with the notary and we got it corrected. That is why there were two RTC in the file.<br>ROR 0012 ROR cannot expire in less than 3 business days from the execution or transaction date - ROR (xxx) hand dated same date as expiration date of xx/xx/xxxx. - 03/19/25 ROR reflecting transaction date and execution date of xx/xx/xxxx and expiration date of 03/06/25 received. Lender verified the borrower made a mistake with the notary and we got it corrected. That is why there were two RTC in the file.<br>|  |
| 900001543 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves required, borrower is receiving $xxx or 37.91 months reserves in cash out proceeds.; Verified housing payment history - 24 months satisfactory mortgage payment history required, 1st mortgage 47x0x30; |  |  | APRV 0003 Missing Loan Approval Date - Missing lender approval/underwriting decision. - 03/18/25 Lender loan approval received.<br>|  |
| 900001588 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 32.19%.; Verified employment history - Borrower has been employed with (redacted) as Sr Systems Administrator for 17 years.; | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - 2nd Trustee ROR dates were changed to reflect transaction (date) and expiration (date). Same date as the disbursement date on final CD issued (date). - 04/10/2025 - Exception is downgraded to EV2/B with the attached PCCD / dry funding CD that matches the final settlement statement presented (date), disbursement (date). |  | TRID 0077 Last Closing Disclosure Total Interest Percentage (TIP) < System Calculated<br>TRST 0003 Trust Agreement is Incomplete - Trust certificate is not executed. - 03/18/25 Executed and notarized Certification of Trust received. <br>|  |
| 900001592 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified reserves - No reserves required, borrower is receiving ($) or 25.34 months reserves in cash out proceeds.; Low LTV/CLTV/HCLTV - CLTV 49.36%, up to 85% acceptable.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid COC for increase in Loan Discount Fee on Final CD issued xx/xx/xx (pg. xxx). COC on page xxx says loan parameters update - pricing change. No explanation for what parameters were updated nor why pricing changed. Rate did not change. - 3/28/2025 - Recd PCCD, LOE, evidence of ($) refund and FedEx Label. Exception downgraded to EV2 due to post closing corrective action.<br>CRED 0072 VVOE dated outside of required timeframe - Added 03/24/25 Missing paystub dated w/in 15 days of closing or VVOE completed prior to closing. Most current pay stub is dated xx/xx/xx, Note date xx/xx/xx, VVOE xx/xx/xx. - EV2/B Investor Acknowledged exception |  | CRED 0006 Missing Employment doc (VVOE) - Missing verification of employment for B2 within 10 business days prior to the note date. The only VOE in the file is for B1 which was not used. - 03/20/25 VVOE for B2 completed xx/xx/xx received. <br>|  |
| 900001597 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 61.48%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6 years.; |  |  |  |  |
| 900001553 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 60.48%.; Low DTI - Low DTI of 26.68%.; Verified employment history - B2 has been employed with (company) as (title) for xxx years.; |  |  | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Lender credit of xxx is insufficient to cure the fee variance caused by increase in subordination fee of $xxx on CD issued xx/xx/xx and variance allowed on increase of recording fees of $xxx on CD issued xx/xx/xx. Since lender credit is less than the total variance amount of $xxx, it is not sufficient to cure the variance. -- A Lender Credit for Excess Charges of ($xxx), Principal Reduction for Excess Charges of ($xxx), and general or specific lender credit increases of ($xxx) were applied to the total fee variance of ($xxx) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - 03/21/2025 - xx/xx/xx COC for addition of Subordination Fee and increase of Recording fee provided. Finding cleared.<br>|  |
| 900001541 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 20 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with present employer for 6.8 years.; |  |  |  |  |
| 900001615 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 15 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 3 years.; | TRID 0089 Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 - Lender Compliance Report shows ($) Settlement Agent Fee was not included in Lender calculated Finance Charge. (Note: Tested fee description as both Settlement Fee and Signing Agent Fee with same results.) -- The disclosed finance charge ($) is ($) below the actual finance charge ($). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - 04/23/2025 - RTC was delivered to borrower on xx/xx/xx per Fedex tracking provided. 3 days to rescind was xx/xx as was dated on the RTC delivered to the borrower for the reopening of rescission. Finding resolved with post close cure EV2/B.<br>TRID 0087 Closed-End APR Disclosure Tolerance - Lender Compliance Report shows ($) Settlement Agent Fee was not included in Lender calculated Finance Charge. Inclusion of fee in finance charge total creates an APR violation. (Note: Tested fee description as both Settlement Fee and Signing Agent Fee with same results.) -- The disclosed APR (9.689) is lower than the actual APR (9.889) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) - 04/10/2025 - EV2/B Recd PCCD (no changes from prior pccd), cover letter, refund check ($), and courier receipt to evidence delivery to borrower was completed within 60 days of consummation. New rescission period expired (Stip xx/xx) |  | CRED 0026 Non-Arms Length Transaction - Broker has the same last name as borrower. Per Fraud Guard cleared comment, this is a non-arms length transaction - per guidelines this is not a conflict of interest. Missing investor acknowledgement for the relationship between borrower, non-borrowing title holder, and broker. - 03/20/25 Recd LOE from LO confirming that the borrower is his sister. Per guidelines the only restrictions to a Non-Arm's length transaction are related to FSBO. Finding cleared. <br>|  |
| 900001518 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 28 months of verified reserves when guidelines required 2 months.; Low DTI - Low DTI of 28.92%.; Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xxxx.; |  |  |  |  |
| 900001524 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 43%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for xx years.; |  |  |  |  |
| 900001578 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 has been self employed owner for 9 years. B2 has been employed with current employer for 27 years.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 17 years.; |  |  | TRID 0130 Missing Intent to Proceed - Missing executed Intent to Proceed. ITP on page xxx is not executed. - 03/20/25 ITP received.<br>TRST 0003 Trust Agreement is Incomplete - Missing copy of Trust documents or executed Certification of trust. Trust cert (page xxx/xxx) provided is not executed. - 03/20/25 Executed Certification of Trust received.<br>|  |
| 900001620 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 has been employed with current employer for 17.5 years.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 7.3 years.; |  |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for CD issued 3/7/2025 (page 36) for the re-added credit and processing that was removed on prior CD issued xx/xx/xxxx (page xx). - 3/21/2025: Credit report fee and Processing fee on the Final CD are less than on the Initial LE. Exception cleared.<br>DEED 0007 Missing PUD Rider - Missing PUD Rider. Subject mortgage page xxx is not marked as having a PUD Rider. Title reflects the subject to be a PUD and the Mortgage to the 1st lien includes a PUD rider (pg xxx). - 04/14/25 Copy of recorded mortgage with executed PUD rider received.<br>TITL 0014 Title Policy - Schedule B Exception - 8. Judgment in favor of (redacted) (Default Final Judgment on page xxx IAO ($)). <br>9. Judgment Instrument no. xxxxxxxxx. No certified copies have been recorded as of the effective date hereof.<br>10.Judgment Instrument no. xxxxxxxxx. No certified copies have been recorded as of the effective date hereof.<br>11.Judgment Instrument no. xxxxxxxxx. Although the prelim is dated xx/xx/xx it reads No certified copies have been recorded as of the effective date hereof, yet default final judgment matching instrument #xxxxxxxxx recorded xx/xx/xx IAO Principal ($) with cost of ($) is on page xxx. <br>\*\*Non-Identity Affidavit in file recorded xx/xx/xx, page xxx. Non-Identity Affidavit not referenced within title commitment. New affidavit with subject signing not within file. - 3/28/2025 - Recd short form final title policy with no judgments reflected.<br>|  |
| 900001584 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 87 months of verified mortgage history paid 0x30 since 02/2017.; Verified occupancy in subject property - Borrowers have owned and occupied the subject property for 4.2 years.; |  |  | HUD 0017 Missing Cash to Borrower - Subject loan is a no cost refinance to borrower to cure defects from prior loan closed in xx/xx. Original Cash in hand ($), Cash with debt ($). - Noted for Informational purposes as loan appears to be a rate term per the subject CD.<br>NMLS 0011 NMLS IDs do not match - Final application pg 590 reflects Lender's state License ID of ##### instead of the NMLS ID of ####. - 04/14/25 Response from compliance department received confirming that the ID ##### is the branch ID. Finding cleared.<br>HUD 0018 Missing Cash to Borrower including Debt Payment - Subject loan is a no cost refinance to borrower to cure defects from prior loan closed in xx/xx. Original Cash in hand ($), Cash with debt ($). - Noted for Informational purposes as loan appears to be a rate term per the subject CD.<br>|  |
| 900001596 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 55.79%.; Verified occupancy in subject property - Borrower has owned and occupied the subject property for 11.6 years.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing (years) (individual) transcripts. If (individual) transcripts support support business income (business) transcripts are not required. - 04/05/2025 - Recd most recent two years tax transcripts. <br>|  |
| 900001580 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 47 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with Kaiser Permante as a Consultant V for 13.33 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 7.5 years.; |  |  |  |  |
| 900001577 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV; Verified occupancy in subject property; Low DTI; |  |  |  |  |
| 900001560 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves; Verified occupancy in subject property; |  |  |  |  |
| 900001558 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history; Verified occupancy in subject property; | NOTE 0059 NMLS IDs do not match |  |  |  |
| 900001564 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves; Verified credit history; |  |  |  |  |
| 900001581 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 58.057%; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 23 years.; |  |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing documentation used to clear High Fraud alert for possible association with a business although self-employment was not disclosed. - 3/28/2025 - Recd LoanSafe Alerts summary with items addressed. Alert cleared as the business is no longer active. Fraud report reflects last see 11/28/2017 and no longer active (orig file pxxx)<br>|  |
| 900001583 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 13.5 years.; Low DTI - Low DTI of 28.69% < 45%.; | HUD 0028 Loan Disbursement Date and Interest From on HUD do not match - Missing copy of Final CD for dry funding state. CD issued (date) shows disbursement (date) and an Interest From (date). Final settlement statement also reflects interest from (date). - 03/31/2025 - Exception is downgraded to EV2/B with the attached PCCD. |  | TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing the disclosure tracking to verify receipt of the LE issued (date) is stamped for electronic receipt but the date is illegible. - 03/28/2025 - Recd disclosure tracking.<br>|  |
| 900001599 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified employment history - Borrower has been self employed for 15.91 years.; Verified occupancy in subject property - Borrower has occupied/owned the subject property for 7.5 years.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated (date) disclosed Estimated taxes, Insurance, and Assessments of ($) with Estimated Property Costs over 1 yr of ($) (12 mths). Review calculated Estimated taxes, Insurance, and Assessments of ($) with Estimated Property Costs over 1 yr of ($) (12 mths). - 04/10/2025 - EV2/B Recd PCCD and cover letter.<br>CRED 0082 Income Documentation is Insufficient - Missing business narrative for self employment bank statement qualification. - Investor Acknowledged Exception.<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD issued and received (date) states an APR of 8.956%. <br>CD issued and received (date) states an APR of 8.828%. <br>CD issued (date) and received (date) states an APR of 8.778%. - EV2/B Non-Material APR Decreased. |  |  |  |
| 900001565 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history; Verified employment history; |  |  |  |  |
| 900001566 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 39 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed as a (position) for 16.5 years.; | TRID 0161 Missing Evidence of valid COC for interim disclosed Loan Estimate/Closing Disclosure. - Missing valid COC for increase in Credit Report Fee from $25 to $55 on CD issued (date). COC says loan amount lowered due to lower appraised value, resulting in increased origination fee (discount points increased). This does not justify an increase in the credit report fee. - EV2/B - Recd PCCD, cover letter, coy of refund check $30, and courier tracking receipt to evidence delivery to borrower within 60 days of consummation. |  |  |  |
| 900001567 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history; Verified occupancy in subject property; |  |  |  |  |
| 900001573 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves; Verified occupancy in subject property; |  |  |  |  |
| 900001575 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history; Verified occupancy in subject property; |  |  |  |  |
| 900001606 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 34 months of verified reserves when guidelines required none based on LTV <75%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6.83 years.; |  |  | TRID 0163 CD is not within 3 business days of Change of Circumstance. - Two COC disclosures with describing a change in the loan amount, one dated xx/xx/xxxx and one dated xx/xx/xxxx (Page xxx, xxx). The order of the disclosures is LE issued xx/xx/xxxx followed by CD issued xx/xx/xxxx. Either missing an LE/CD corresponding to the COC dated xx/xx/xxxx or the change was not disclosed within 3 business days. - 04/15/25 Lender confirmed an interim disclosure was not issued or provided to the borrower in between the LE issued xx/xx/xx and the CD issued xx/xx/xx. No fee violations. Finding cleared.<br>|  |
| 900001563 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV; Verified occupancy in subject property; |  |  | TRID 0137 Cannot Reconcile LE / CD Versioning <br>|  |
| 900001574 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9.58 years.; Verified reserves - 33 months of verified reserves when guidelines required none based on current CLTV.; |  |  |  |  |
| 900001576 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same company for 19.3 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; |  |  |  |  |
| 900001684 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 18.25 years.; Low DTI - 26.32% DTI < 45%.; | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing final CD. Subject is located in a dry funding state. Loan disbursement date(date) per CD issued (date), ROR expiration date changed to (date). - 05/22/2025 - EV2/B Recd Dry Funding CD and corresponding settlement statement, disbursement (date). |  | DEED 0007 Missing PUD Rider - Property is indicated to be a PUD. Missing a PUD rider. - 05/19/25 - Finding is cleared with the attached executed PUR Rider with letter of intent to re-record.<br>|  |
| 900001582 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 7 years.; | CRED 0082 Income Documentation is Insufficient - Missing business narrative. - Investor Acknowledged Exception. |  | FRAUD 0001 Fraud report alerts have not been addressed - High fraud alerts not cleared (pg xxx) - 04/01/25 Updated fraud report received.<br>COMP 0010 Missing Affiliated Business Disclosure - Missing Affiliated Business Disclosure or FACTS disclosure to confirm no affiliates. - 04/01/25 Confirmation received from lender that there is no business affiliate on this loan.<br>|  |
| 900001614 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been self employed in same business for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 23 years.; Low DTI - Low 2.4% DTI.; | HUD 0028 Loan Disbursement Date and Interest From on HUD do not match - Missing copy of final CD for dry funding state. CD dated xx/xx/xx pg xxx executed on xx/xx/xx reflects a disbursement date of xx/xx/xx with interest from xx/xx/xx. Final settlement statement pg xxx reflects a disbursement date of xx/xx/xx with interest from date of xx/xx/xx. - 04/03/2025 - Recd dry funding PCCD and cover letter, difference of 1-day disbursement date and interest from date in CA is acceptable.<br>TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Recd dry funding CD. Recording Fee increased from ($) to ($), difference of ($). Missing COC for the increase to the recording fee.<br>-- A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($125.50) were applied to the total fee variance of ($137.10) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance<br>- 04/23/2025 - Post-close cure provided for increase in recording fees. Copy of PCCD, LOE, Refund and Proof of Delivery provided. Finding resolved to EV2/B. |  |  |  |
| 900001579 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 66.95% with a max allowed of 85%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 17.16 years.; Verified credit history - 728 Fico w/a minimum requirement of 680.; |  |  |  |  |
| 900001626 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 58.21%.; Low DTI - Low DTI of 29.69%.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - 1) Missing COC for the addition of the Subordination Fee of ($) on CD issued xx/xx/xxxx pg xx.<br>2) Missing COC for increase in Lender Discount of from ($) to ($) on CD issued x/xx/xx pg xxx. - 04/23/2025 - Fedex confirmation of borrower receipt of delivered on x/xx/xxxx. Finding cleared as EV2/B. |  | APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - B1's name on 1003 pg xxx is (redacted) and marked as a male. Drivers license pg xxx matches 1003. VA award letter dated x/xx/xxxx pg xxx is for (redacted). CBR pg xxx shows name variation of (redacted) and (redacted). No letter of explanation in file. - 04/10/25 Finding cleared. DL reflects changed name. Verified social security number on the benefits letter matches the 1003/credit report. Signature/name affidavits reflect both names.<br>|  |
| 900001607 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 37.77%.; Verified employment history - Borrower has been self employed co-owner of same business for 14 years.; |  |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing updated and rescored fraud report with all high alerts addressed. - 04/07/2025 - Recd fraud finding summary with fraud variances cleared.<br>|  |
| 900001587 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 69.31%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 20 years.; |  |  | HCOST 0001 High Cost Failure - The loan fees ($) exceed the (FED2014) (Note Amount >=($)) fee limit, which is 5% of the Total Loan Amount ($), the difference is ($). (12 CFR 1026.32). -- In reviewing the lender's Mavent Report dated xx/xx/xx (pg xxx) the failure appears to be related to the following fees paid to an affiliate that were not included by the lender: Lender Title Policy ($), Title Exam ($), Title Search ($). <br>The loan fees ($3,731.00) exceed the (GA2014) High Cost fee limit, which is ($3,546.38), the difference is ($184.62). ---- In reviewing the lender's Mavent Report dated 03/26/25 (pg 326) the failure appears to be related to the following fees paid to an affiliate that were not included by the lender: Title Exam $200, Title Search $100. - 04/15/2025 04/14/25 Cleared per response received from lender: (lender) only has 23.88% ownership in (redacted). As such, (redacted) is not an affiliate for the purposes of Hoepa. <br>|  |
| 900001589 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 99+ months of housing payments paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 11.33 years.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2 Non-Material |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing lender loan approval and final 1008. 1008 in file reflects other payments of $1317 and DTI of 44.87%. Actual other payments $1568. (1003 liabilities are accurate.) Review DTI is 45.91%. - 04/09/25 Lender loan approval received with credit supplement that verified a 0 balance and payment for an account that was included by review. Final review DTI 44.14%.<br>|  |
| 900001683 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 53 months of verified mortgage history paid 0x30 since XX/XXXX.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for XX years.; |  |  | CRED 0091 Missing Tax Transcript(s) - 1-Missing tax transcripts for B1 for XXXX or XXXX. File contains year XXX only.;<br>2-Missing two year tax transcripts for B2. - 05/20/2025 Wage and income transcripts for B1 and B2 received.<br>NOTE 0006 Missing Subordination Agreement - Missing subordination for XXXX on existing title commitment, not paid off in closing. - 04/28/2025 04/23/25 Notice of an XXXX received. Per recorded document this is a notice as required by state law and does not constitute a title defect, lien, or encumbrance.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Unable to verify property taxes. Used taxes of $XXX per 1008 for testing. \*\*\* Property taxes on property report and on ADV. - 04/10/2025 04/10/25 XXXX tax bill received supporting payment of $XXXX.<br>|  |
| 900001593 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 99+ months verified mortgage history paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 14 years.; |  |  |  |  |
| 900001594 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified ownership of subject property - The borrowers have owned the subject property since xxxx.; Low LTV/CLTV/HCLTV - LTV 48.88%, up to 80% acceptable (85-5% for declining market); Verified credit history - 716 Fico w/a minimum requirement of 680.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material |  |  |  |
| 900001600 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 has been employed with the same company for 18 years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 8.66 years.; |  |  | FRAUD 0001 Fraud report alerts have not been addressed - 1) Missing updated and rescored FraudGuard with all high alerts addressed. Supporting documentation to clear High Social Security Alert for B2 required. - 04/17/2025 04/17/25 Updated lender response received, finding cleared.<br>|  |
| 900001652 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 2 months reserves or ($) required, 100+ months reserves verified exclusive of cash out proceeds.; Established credit history - Credit report reflects history back to (date) with no reported default.; | COMP 0027 Zero Tolerance Fee Violation - COC for increase in Appraisal Fee (Pge xxx) that corresponds to the LE issued xx/xx/xx does not describe a change validating the increase in the Appraisal Fee from ($) to ($). - EV2 Post Closing Corrective Action. - PC CD , LOE to borrower, copy of refund check and overnight tracking received. |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing final Alta settlement statement to verify actual disbursement date. Final CD dated xx/xx/xx pg xxx states disbursement date of xx/xx/xx which is prior to ROR expiration date of xx/xx/xxxx. (Lender to provide final/PC CD if applicable) - 05/01/2025 Final settlement statement verifying the disbursement date of xx/xx/xxxx received.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing documentation to verify lender estimated improved tax amount of of ($) annually. Tax bill in the file pxxx reflects unimproved tax amount (subject was completed late xxxx). The tax rate per the bill is 2.7737%, using this against the original purchase price of ($) the taxes would be ($) annually or ($) monthly. Tax Info sheet (px-x) is not completed. - 05/01/2025 Finding cleared per lender response: Please see calculation of the estimated property taxes. This was discussed with the county tax assessor at (phone no.). The property is not assessed for the xxxx-xxxx tax year with improvements so the replace cost was used as the taxable value. Therefore, no further tax bill can provided at this time. Attached is the replacement cost from Marshall and Swift Estimator. Then, the calculation is completed as per the tax assessor's calculations. If the purchase price xx/xx/xxxx was used:<br>$($) x .35 assessment ratio= ($)<br>$($) x 2.7737%= ($)/annual<br>$($)/12= ($)/mo <br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Unable to verify if amount disclosed is accurate. Review is pending lender tax estimate. - 05/01/2025 Lender tax estimate received. Verify amounts are accurate.<br>DEED 0021 Missing Legal Description on Mortgage/DOT - Missing Exhibit A Legal Description to the Deed of Trust. - 04/15/2025 xx/xx/xx Copy of mortgage with Exhibit A received.<br>|  |
| 900001605 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with the same company for 15.25 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Lender credit of ($) is insufficient to cure 10% fee variance caused by added and increased fees on the final CD issued xx/xx/xxxx (page xxx). Endorsement increased by ($), Tax bill ($), Recording ($), Courier ($), Electronic delivery ($), Notary ($), Processing ($). (Lender's title policy increase of $.25 may be removed due to rounding) - 04/22/2025 Please see attached PCCD, copy of check and label. Please accept. Thank you. |  |  |  |
| 900001586 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 9 years.; Low DTI - Low DTI of 28.03%.; Verified reserves - 17 months of verified reserves in addition to cash out at closing.; |  |  |  |  |
| 900001612 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 70.19%.; Verified employment history - Borrower has been self employed owner of construction company for 5+ yeas.; | CRED 0004 Back-end Ratio exception (DTI) - Approved DTI 33.40%, Review DTI 36.72%. Variance is due to lender calculated ($) at 10% expense ratio per CPA letter vs review of ($) at guideline minimum of 20% expense ratio. DTI variance is > 3% but remains within approved limit per guidelines. - EV2/B Non-Material as max allowed DTI per guidelines is 45%.<br>CRED 0082 Income Documentation is Insufficient - Missing business narrative for 12 month business bank statement loan. - EV2/B Investor Acknowledged Exception |  |  |  |
| 900001591 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves required, borrower is receiving 24.65 months subject PITIA or ($) in cash out proceeds.; Verified housing payment history - 0x30x24 mortgage payment history required, credit report reflects 0x30x61; |  |  |  |  |
| 900001595 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 31 months of verified reserves when guidelines required 2 months.; Verified employment history - Both borrowers have been employed with their respective employers for 6+ years.; |  |  |  |  |
| 900001598 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves required, borrower is receiving 49.45 months subject PITIA or ($) in cash out proceeds.; Low LTV/CLTV/HCLTV - CLTV 59.66%, up to 85% acceptable; |  |  | APRV 0003 Missing Loan Approval Date - Missing lender approval, only the unsigned 1008 is in the file. - 04/11/25 Lender loan approval received.<br>|  |
| 900001617 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrowers have been employed with their same employers for 10 and 8 years respectively.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 3 years.; |  |  | CRED 0087 Tax Returns/Transcripts are Insufficient - Missing xxxx tax transcripts for both borrowers per lender guidelines. If xxxx returns no findings xxxx is required. - 04/24/2025 04/24/25 xxxx Wage and income transcripts received.<br>|  |
| 900001601 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 7 years.; |  |  |  |  |
| 900001609 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 24 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 6.75 years.; |  |  | NTB 0001 Missing Net-tangible Benefit worksheet - Missing Net-tangible Benefit worksheet. - 04/21/2025 Exception reported in error, NTB Worksheet not required.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - 04/21/2025 Exception reported in error, lender disclosed 11 mths.<br>APPR 0012 Property Values Declining - Based on current activities there was a decrease in sales from December xxxx to January xxxx of -12.9%. LTV max allowed 85%-5% LTV Exception - Appraisal reflects subject to be in a declining market which required a 5% LTV reduction. Max allowed LTV/CLTV is 80% with a 777 FICO. Lender approved at 79.82%. - 04/21/2025 Exception reported in error. Cleared Max allowed CLTV is 80%.<br>|  |
| 900001646 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 38 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 4.25 years.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Unable to validate lender's Estimated Property Costs over Year 1 of ($) on the final CD dated xx/xx/xx pg x. Lender disclosed Estimated taxes, Insurance and Assessments of ($). Review calculated Estimated taxes, Insurance and Assessments of($)/Estimated Property Costs over Year 1 of ($). Taxes per tax cert pg xxx ($)/ ($), Ins ($)/ ($) pg xxx. - 04/30/2025 PCCD and LOX |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing Sam.gov search used to clear high fraud alerts for property data collector. - 04/28/2025 xx/xx/xx SAM search received.<br>NOTE 0006 Missing Subordination Agreement - Missing subordination agreement to (redacted). Noted on Junior Policy exception #xx. Solar docs xxx;xxx;xxx; xxx. - 04/28/2025 xx/xx/xx UCC Termination recorded xx/xx/xx received.<br>|  |
| 900001602 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV 54.11%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 5.66 years.; |  |  |  |  |
| 900001611 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 4 years.; Low DTI - Low DTI of 32.89%.; |  |  | TRID 0137 Cannot Reconcile LE / CD Versioning - Missing copy of final CD. Tracking (Page xxx) states PCCD issued xx/xx/xx and mailed. No CD issued xx/xx/xx located in file. - 04/22/2025 04/22/25 Copy of CD issued xx/xx/xx received.<br>|  |
| 900001613 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 15 years.; Low DTI - Low DTI of 34.94%.; |  |  |  |  |
| 900001656 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 32.50%.; Verified employment history - Borrower has been self employed for 39.5 years.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid COC for second LE issued xx/xx/xx. Appraisal fee increased from ($) to ($). COC (Page xxx) states appraisal fee increased but does not state why the fee increased. -- - 05/07/2025 Please see attached for the ($) refund that was added as required in the last comments. Thank you.<br>CRED 0082 Income Documentation is Insufficient - Missing signed written business narrative that includes a description of the operation, primary product or service, customer base, number of full time employees, any other information. - EV2/B Investor Acknowledged Exception. |  | TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. <br>|  |
| 900001608 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low LTV of 45.31%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 5.5 years.; Verified employment history - B2 has been employed full time with same employer for 11+ years.; |  |  | TRID 0134 Missing E-Sign Disclosure - Missing E-Sign Disclosure. - 04/16/25 Docusign tracking received that verified borrower(s) consented xx/xx/xx.<br>COMP 0010 Missing Affiliated Business Disclosure - Missing the Affiliated Business Disclosure or Facts Disclosure to verify if lender has any affiliates. If lender has no Affiliates an attestation of having no affiliates on company letterhead is acceptable. - 04/16/2025 04/16/25 Attestation of having no affiliates received.<br>CRED 0091 Missing Tax Transcript(s) - Missing two years of tax transcripts for B2's. - 04/16/25 B2 Wage and Income transcripts for xxxx/xxxx received.<br>|  |
| 900001621 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - OCLTV 53.27%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 17 years.; |  |  | COMP 0010 Missing Affiliated Business Disclosure - ABD is not in file. FACTs Disclosure (Page xxx) does not confirm whether or not lender has affiliates. Tested Title Fees as paid to an affiliate with no changes to compliance testing results. - 04/22/2025 04/22/25 Attestation of having no affiliates received.<br>|  |
| 900001641 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 19 months of verified reserves when guidelines required 2 months.; Income verified was not used in qualifying - B2 earns OT and bonus income that was not included in qualification.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material |  |  |  |
| 900001651 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrowers have been self employed 50/50 owners of their business for the last 15 years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 25 years.; |  |  | CRED 0004 Back-end Ratio exception (DTI) - Review DTI of 45.46% exceeds the max allowed of 45%. Borrowers do not qualify for extended DTI due to being a bank statement loan. Variance from review DTI of 45.46% vs lender 44.68% appears to be in the "All other payments used to qualify". 1008 reflects ($). Review calculated ($). Review liabilities matched the final 1003. - 04/23/2025 xx/xx/xx Response received from lender that the (redacted) was excluded due to being paid by business. Verified (redacted) deductions in statements.<br>TRID 0192 Appraisal Dated prior to Intent to Proceed Date - Missing explanation as to why the appraisal was ordered prior to the Application Date/Intent to Proceed date of xx/xx/xx. -- A creditor or other person may not impose any fee, such as for an appraisal, underwriting, or broker services, until the consumer has received the disclosures required by § 1026.19(a)(1)(i). - 05/07/2025 - Lender provided explanation. Finding cleared. <br>|  |
| 900001590 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 44.98%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 35 years.; |  |  |  |  |
| 900001603 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 45.53%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 12.5 years.; |  |  |  |  |
| 900001604 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low OCLTV of 49.62%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 8 years.; Low DTI - Low DTI of 27.36%.; |  |  |  |  |
| 900001635 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Credit report confirms 30 months satisfactory mortgage rating.; Verified credit history - Middle Credit Score 752 > 700 Minimum Required.; |  |  | COMP 0047 File Documentation is Incomplete (Compliance) - Missing copy of existing 2nd lien Note, PRMG 3914. The loan was recently acquired and is not yet reporting on the borrowers credit report, thus unable to compare Note terms. - 04/23/2025 04/23/25 Copy of prior note received.<br>APRV 0003 Missing Loan Approval Date - Missing loan approval/underwriting decision with the loan approval date. - 04/23/2025 04/23/25 Lender loan approval received.<br>|  |
| 900001618 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 66.34%.; Verified employment history - Borrower has been employed with same employer for 12 years.; |  |  |  |  |
| 900001622 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 40 months of verified reserves when guidelines required 2 months.; Low DTI - Low DTI of 25.63%.; |  |  |  |  |
| 900001630 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed for 6.69 years as a driller.; Verified ownership of subject property - Borrower has owned/occupied the subject property for 5.08 years.; | NOTE 0050 Note is Incomplete - First lien note signed by B1 and B2. Second lien note signed only by B1. Lender exceptions page xxx-xxx. - Investor Acknowledged Exception<br>NMLS 0011 NMLS IDs do not match - Note, Mortgage, and 1003 reflect Loan Originator as xx NMLS #######. Final CD dated xx/xx/xx pg xxx reflects xx NMLS ######. No explanation for change documented in file. - 05/01/2025 Please see LOX to borrower |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for addition/increase of Recording Service Fee of ($) in "Cannot Increase Category" on CD issued x/xx/xx pg xxx. - 04/22/2025 xx/xx/xx Agree with lender response, TPR Error. Finding cleared.<br>|  |
| 900001633 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low OCLTV of 36.55%.; Verified employment history - Borrowers Have been employed with their employers for 22 and 28 years respectively.; Low DTI - Low DTI of 24.72%.; | GIDE 0001 Guideline Exception(s) - Lender Exception page xx approved x/xx/xxxx. Original loan/note was IAO ($) dated x/xx/xxxx. Borrower applied ($) to principal and loan was recast xx/xx/xxxx. (Pages xxx-xxx) - Investor Acknowledged Exception |  |  |  |
| 900001639 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed for 15 years with same employer.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  |  | CRED 0133 HOA Payment is not verified - Missing verification of subject HOA costs. Review used estimate of ($) per month per the 1008. - 04/28/2025 xx/xx/xx Corrected appraisal received. HOA/PUD information updated.<br>APPR 0002 Appraisal is Incomplete - Missing corrected appraisal. Appraisal does not have subject property marked as a PUD and did not disclose any HOA fees. - 04/28/2025 xx/xx/xxxx Corrected appraisal received. HOA/PUD information updated.<br>TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing the docutech eSign Process Summary for the LE issued xx/xx/xxxx-- - 04/28/2025 xx/xx/xx Updated response from lender received with a screen shot from the disclosure tracking. Screenshots from the Disclosure Tracking show the LE was received and viewed by the borrower on x/x/xx.<br>|  |
| 900001649 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 58.79%.; Verified employment history - Borrowers have been employed with same employer for 24 and 19 years respectively.; Low DTI - Low DTI of 18.20%.; |  |  |  |  |
| 900001623 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 20.5 years.; Low DTI - Low DTI of 29.49%.; |  |  |  |  |
| 900001628 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 19 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed for 8.16 years.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraisal does not contain verbiage affirming that it was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2 / B Non-Material |  |  |  |
| 900001648 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 57.92%.; Low DTI - Low DTI of 27.77%.; |  |  |  |  |
| 900001619 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 69.19%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 7 years.; |  |  |  |  |
| 900001627 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 3.83 years.; Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xxxx.; |  |  | TRID 0161 Missing Evidence of valid COC for interim disclosed Loan Estimate/Closing Disclosure. - Missing COC for increase in Loan Discount Points from ($) to ($) on CD issued x/x/xxxx (pg. xxx). Discount points remain out of tolerance. - 04/24/2025 xx/xx/xxxx COC received, finding cleared upon resubmission.<br>|  |
| 900001629 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 56 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7.5 years.; |  |  | TRID 0192 Appraisal Dated prior to Intent to Proceed Date - Missing copy of Broker's ITP from borrower. Appraisal is dated as of xx/xx/xxxx which is prior to the date the borrower gave their Intent to Proceed to lender on xx/xx/xxxx (Page xxx, xxx). - 04/28/2025 xx/xx/xxxx Broker ITP received. ITP given xx/xx/xx.<br>|  |
| 900001645 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 64.45%.; Verified employment history - Borrowers have been self employed in the same business for 16 years.; | CRED 0082 Income Documentation is Insufficient - Missing signed written business narrative that includes the following: Description of business operation, Primary products and or services, Who is the customer base, Number of full-time employees, Any other information that would help determine eligible deposits. - 05/05/2025 EV2/B Investor Acknowledged Exception |  | TRID 0192 Appraisal Dated prior to Intent to Proceed Date - Missing the broker's Intent to proceed. Appraisal is dated xx/xx/xxxx, which is prior to the Lender's ITP date of xx/xx/xxxx (Page xxx, xxx). - 05/01/2025 xx/xx/xxxx Broker ITP received on xx/xx/xx.<br>|  |
| 900001624 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 28 months of verified reserves when none were required per lender guidelines based on LTV value.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 47 years.; |  |  |  |  |
| 900001634 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 28 years.; Low DTI - Low DTI of 24.40%.; |  |  | HCOST 0001 High Cost Failure - Missing lender rate sheet to verify bona fide loan discount of ($). -- The loan fees ($) exceed the (FED2014) (Note Amount >=($)) fee limit, which is 5% of the Total Loan Amount ($), the difference is ($). (12 CFR 1026.32). - 04/30/2025 Lender rate provided to verify below par rate and bona fide discount.<br>|  |
| 900001636 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 22 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 10 years.; |  |  |  |  |
| 900001640 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 11 years.; Low DTI - Low DTI of 27.57%.; |  |  |  |  |
| 900001644 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 47.03%.; Verified employment history - Borrowers have been employed 26 years and 35 years respectively, with same employers.; Verified ownership of subject property - Borrowers have owned/occupied the subject property for 24 years.; |  |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing updated 1008 reflecting value of ($) as per AVM in file pg xxx. 1008 pg 1 reflects value of ($). - 04/30/2025 Updated 1008 received.<br>|  |
| 900001643 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed for 11 years with same employer.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 37 years.; |  |  | COMP 0010 Missing Affiliated Business Disclosure - Missing verification if lender has any affiliates. If no affiliates a blanket attestation may be provided for documentation. - 04/28/2025 xx/xx/xxxx Attestation of no affiliates received.<br>|  |
| 900001616 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 65.23%.; Verified employment history - Borrowers have been employed with same employers for 6 years and 8 years respectively.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Final CD issued xx/xx/xxxx and executed xx/xx/xxxx states an APR of 8.096% Prior CD issued xx/xx/xxxx and executed xx/xx/xxxx states an APR of 8.261%. (Page xxx, xxx). APR Decreased 0.165 - EV2/B APR Decreased, Benefit to Borrower. |  |  |  |
| 900001625 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 5 years.; Low DTI - Low DTI of 25.58%.; | NOTE 0050 Note is Incomplete - Borrower's spouse on first lien note but not on the subject second lien note. Lender Exception pages x/x; xxx/xxx. - EV2/B Investor Acknowledged Exception |  | ROR 0004 Right of Rescission is not executed by Title Holder(s) - Missing ROR executed by the non-borrowing vested title holder Nkechi Akunwafor. - 05/02/2025 Executed ROR by NBS received.<br>|  |
| 900001654 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 58.87%.; Verified employment history - Borrower has been employed with same employer for 15.91 years.; |  |  |  |  |
| 900001631 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 31.79%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 32.9 years.; Low DTI - Low DTI of 20.94%.; |  |  |  |  |
| 900001632 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 14 years.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing xxxx and xxxx Wage and Income transcripts as required per guidelines. - 04/30/2025 xxxx and xxxx Wage and Income transcripts received.<br>|  |
| 900001647 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history; Minimal outstanding debt - Borrowers credit report shows minimal outstanding debt owed with balances well under the high credit limits with all credit paid 0x30.; |  |  | TRID 0134 Missing E-Sign Disclosure - Missing executed E-Sign Disclosure to verify when the borrower consented to receiving docs electronically. - 05/01/2025 Docusign tracking received confirming borrower(s) consent on xx/xx/xx.<br>CRED 0091 Missing Tax Transcript(s) - Missing Wage and Income tax transcripts for B2 for years xxxx-xxxx. - 05/01/2025 xxxx/xxxx Wage and Income transcripts for B1 and B2 received.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for addition of Verification Fee on CD issued xx/xx/xxxx. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xxxx-xx-xx not increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 05/01/2025 COC Received, finding cleared upon resubmission.<br>|  |
| 900001758 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed in the armed forces for 25 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 11 years.; |  |  | CRED 0100 Insufficient verified reserves - Missing verification of 2 mths reserves as required for LTV > 75%. Total verified with cash out proceeds 1.36. Reserves required ($) less available ($) = ($) shortage. - 06/20/2025 Bank statements received, total reserves verified 3.27.<br>TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing COC for increase in Loan Discount Fee on CD issued xx/xx/xxxx. Discount increased from ($) to ($)-- A Lender Credit for Excess Charges of ($), Principal Reduction for Excess Charges of ($), and general or specific lender credit increases of ($0.31) were applied to the total fee variance of ($) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - 05/05/2025 COC received, finding cleared upon resubmission.<br>|  |
| 900001672 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low OCLTV of 59.64%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 8.41 years.; |  |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing updated CD to match the final settlement statement. Disbursement/ Interest from date per hud pg xxx is xx/xx/xx. ROR expiration date xx/xx/xx. Final CD dated xx/xx/xx pg xxx reflects disbursement/interest from date of xx/xx/xx. - 05/09/2025 Updated CD reflecting the actual disbursement date of xx/xx/xx as per the settlement statement received.<br>TRID 0009 Initial Closing Disclosure Sent Method Not In Person and No Received Date - Missing the disclosure tracking to verify borrower receipt of the initial CD xx/xx/xxxx. -- The Initial Closing Disclosure was provided on (xxxx-xx-xx) via (U.S. Mail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xxxx-xx-xx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xxxx-xx-xx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (xxxxxxxx), for consummation to occur on (xxxx-xx-xx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - 05/08/2025 DocuSign tracking received verifying that the borrower viewed the CD on xx/xx/xx received.<br>|  |
| 900001678 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7 years.; Low DTI - Low DTI of 15.54%.; | TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) - Final CD dated XX/XX/XX reflects Taxes and Insurance are to be escrowed. Escrows are not allowed on 2nd lien program. - EV2/B Post-Closing Corrective Action. - PCCD and LOE received. Projected payments, Estimated Taxes Ins, and Assessments, and Estimated Property Costs Over 1 Year updated. Loan disbursement date and Interest From date also updated. |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing final settlement statement and final CD for dry funding state. ROR reflects an expiration date of XX/XX/XX. Final CD dated XX/XX/XX reflects disbursement/Interest from date of XX/XX/XX. Only the estimated settlement statement was provided for review on. - 05/06/25 Final settlement statement received reflecting a disbursement/Interest from date of XX/XX/XX. 1 day variance in interest ok for state.<br>HCOST 0001 High Cost Failure - Missing lender rate sheet to verify bona fide discount of $XXX as per the Lender Mavent Report-- The loan fees ($3,401.19) exceed the (XX) High Cost fee limit, which is ($3,388.94), the difference is ($12.25). - 05/09/2025 Email from lender's lock desk received confirming note is is below Par and discount is considered bona fide.<br>CRED 0091 Missing Tax Transcript(s) - Missing wage and income transcripts for B1/B2. - 05/09/2025 Wage & income transcripts for B1/B2 received.<br>|  |
| 900001650 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 23 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  |  |  |  |
| 900001688 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 57.68%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for XX years.; |  |  | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increased lender's title policy. Fee increased from $664 to $1000. (Amount over the allowable tolerance $195.50)--The total amount of Closing Disclosure 10% Category fees ($1,410.00) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on 2025-03-24, ($1,104.00). The total amount of fees in this category cannot exceed ($1,214.40) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). - EV2/B Post-closing corrective action. - 05/16/2025 LOE to borrower, PC CD, Refund check, and Fed-Ex tracking received.<br>|  |
| 900001637 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 10 years.; |  |  |  |  |
| 900001638 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 46.04%.; Verified employment history - Borrower has been employed with same employer for 20 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 10 years.; |  |  |  |  |
| 900001642 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 91 months of verified mortgage history paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 27 years.; |  |  |  |  |
| 900001666 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - B1 has been employed with same employer for 16 years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7 years.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material |  |  |  |
| 900001671 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 14 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; Low LTV/CLTV/HCLTV - Low CLTV of 63.29%.; |  |  | TITL 0013 Title Policy - Schedule A Exception - Title commitment is missing legal description. - 05/08/2025 Complete copy of the prelim title received.<br>|  |
| 900001677 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 61.493%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 15 years.; | GIDE 0001 Guideline Exception(s) - Missing business narrative required for bank statement loan. - 05/14/2025 Email received from investor, exception waived. |  | TRID 0134 Missing E-Sign Disclosure - E-Sign Disclosure is not in file. - 05/07/2025 Docusign esign tracking received confirming consent xx/xx/xx.<br>TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing COC for addition of Loan Discount Fee of ($) and the removal of the lender credit of ($) on the CD issued xx/xx/xx pg xx. -- The sum of non-specific (lump sum) lender credits and specific lender credits ($) has decreased from the amount disclosed on the Loan Estimate sent on xxxx-xx-xx, ($). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - COC dated xx/xx/xx for rate extension received. Finding cleared upon resubmission with COC.<br>CR 0002 Credit Report is Incomplete - Missing initial credit report used to qualify borrower. Report page xxx is soft pull dated x/xx/xxxx prior to closing. Used final 1003 page xxx to complete debt obligation in conjunction with soft pull. Fico taken from credit score disclosure page xx. - 05/08/2025 Copy of credit report dated xx/xx/xxxx received.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for addition of Loan Discount Fee of ($) and the removal of the lender credit of ($) on the CD issued xx/xx/xx pg xx. -- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xxxx-xx-xx: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - COC dated xx/xx/xx for rate extension received. Finding cleared upon resubmission with COC.<br>FACT 0002 Borrower(s) Did Not Receive "Right to Receive Credit Scores" - Missing Notice of Right to Receive Credit Scores disclosure. - 05/08/2025 Notice To the home loan applicant received with the credit report dated xx/xx/xxxx. (See CR0002) <br>CRED 0082 Income Documentation is Insufficient - Missing documentation to verify borrower percentage of ownership via CPA letter, Operating Agreement, or equivalent. - 05/08/2025 CPA Letter verifying 100% ownership received. <br>|  |
| 900001655 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 15 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 5 years.; | GIDE 0001 Guideline Exception(s) - Borrower(s) on the first mortgage note are not the same as the borrower(s) on the second mortgage note as required by guidelines. Lender exception pages x;xxx-xxx. - Investor Acknowledged Exception. |  |  |  |
| 900001658 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed as a teacher for 5 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 8.5 years.; |  |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing a COC that addresses the rate decrease from 9.5% to 9%, addition of discount of ($), decrease in the general lender credit from ($) to ($) on CD issued xx/xx/xx pg xxx-- The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Closing Disclosure sent on xxxx-xx-xx: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - 05/08/2025 COC received. Customer requested Change.<br>TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing a COC that addresses the rate decrease from 9.5% to 9%, addition of discount of ($), decrease in the general lender credit from ($) to ($) on CD issued xx/xx/xx pg xxx-- The sum of non-specific (lump sum) lender credits and specific lender credits ($) has decreased from the amount disclosed on the Closing Disclosure sent on xxxx-xx-xx, ($). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)) - 05/08/2025 COC received (TRID 0195). Customer requested change.<br>|  |
| 900001669 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 22 years.; Low DTI - Low DTI of 32.35%.; |  |  |  |  |
| 900001659 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed as a data analyst for 16 years with same employer.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 12.5 years.; |  |  |  |  |
| 900001660 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 57 months of verified mortgage history paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 3.8 years.; |  |  |  |  |
| 900001661 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 10.8 years.; Low DTI - Low DTI of 21.68%.; | PROP 0002 Property Type is prohibited - Exception to guidelines for Rural Property of 1.07 acres. Lender exception page x. - EV2/B Investor Acknowledged Exception. |  |  |  |
| 900001664 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 125 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower owned/occupied the subject property for 4.25 years.; |  |  |  |  |
| 900001665 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 99 months of verified mortgage history paid 0x30 since xx/xxxx.; Verified employment history - Borrower has been employed as an operations manager for 11 years.; |  |  |  |  |
| 900001670 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 7 years.; Verified employment history - Borrower has been employed as a project manager for 8 years.; |  |  |  |  |
| 900001662 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since xx/xxxx.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 10 years.; |  |  |  |  |
| 900001668 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 19 years.; Low DTI - Low DTI of 20.60%.; Verified employment history - Borrower has been self employed for 14+ years.; |  |  |  |  |
| 900001674 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 54.53%.; Verified employment history - Borrower has been employed for 9.9 years with same employer.; |  |  |  |  |
| 900001715 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been in same employment for 12 plus years.; Low DTI - Low DTI of 16.11%.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated XX/XX/XX does not indicate if the borrower declined an escrow account or if the lender does not offer one. - 05/22/2025 uploaded lox & Pccd |  | CRED 0122 Missing copy of green card for permanent resident alien. - Application states that borrower is not a US Citizen. Residency documentation is not in file. - Finding is cleared with the attached copy of the residency documentation.<br>CR 0012 Missing Bank Statement(s) - All twelve bank statements are missing some of the statement pages. - 05/27/2025 - Finding is cleared with the attached complete copies of the 12 months bank statements.<br>CRED 0093 Credit Documentation is Insufficient - Missing copy of XX Statement to verify payment of $XX per month used to qualify per the final 1003. - 06/02/2025 - Initial credit report reflecting payment of $XX for XX account received.<br>|  |
| 900001718 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrowers have been employed with same employer for 12 plus years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 14 plus years.; |  |  | TRID 0137 Cannot Reconcile LE / CD Versioning - COC dated (date) does not have a corresponding disclosure in file. Lender to provide corresponding disclosure. - 05/27/2025 - Lender confirms no re-disclosure was required explaining the reason for no re-disclosure.<br>|  |
| 900001682 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for XX years.; Verified employment history - Borrower has been employed with same employer for 21 years.; |  |  | TRID 0192 Appraisal Dated prior to Intent to Proceed Date - Appraisal Report was addressed to Lender and paid by borrower on CD but was dated XX/XX/XX prior to application date and intent to proceed date of XX/XX/XX. - 05/15/2025 Cleared per response from lender: The loan was re-originated and we used the Appraisal from the initial loan that was started with NAF.<br>TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing COC for increase in Loan Discount Fee on CD issued XX/XX/XX. Fee increased from $450 to $730. COC dated XX/XX/XX disclosed $50 credit is for increase of Appraisal Fee in the amount of $50. -- - 05/14/2025 COC Received, finding cleared upon resubmission with COC.<br>HCOST 0001 High Cost Failure - Missing lender rate sheet to verify bona fide discount points. Lender Mavent Report shows Bona Fide Discount Points of $500 were excluded. -- The loan fees ($2,359.00) exceed the (FED2014) (Note Amount >=$26,968.00) fee limit, which is 5% of the Total Loan Amount ($2,358.18), the difference is ($0.82). (12 CFR 1026.32).<br>The loan fees ($2,359.00) exceed the (XX2014) High Cost fee limit, which is ($1,886.54), the difference is ($472.46). - 05/14/2025 Lender rate sheet received which confirmed below par rate/ bona fide discount.<br>|  |
| 900001653 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 12 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed as an associate for 10 years.; |  |  |  |  |
| 900001689 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrowers have each been employed for 5+ years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for XX years.; |  |  |  |  |
| 900001681 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 58.51%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for XXX years.; |  |  |  |  |
| 900001679 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed for 23 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject for XXX years.; |  |  | TRID 0134 Missing E-Sign Disclosure - Missing the esign disclosure or disclosure tracking to verify when the borrower consented to receiving documents electronically. - 05/15/2025 Disclosure tracking confirming borrower consent on XX/XX/XX received.<br>FRAUD 0001 Fraud report alerts have not been addressed - Missing SAM search for the borrower used to clear high fraud alert. - 05/14/2025 SAM Search received.<br>|  |
| 900001680 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 56.98%.; Verified employment history - Borrowers have been self employed/ co-owners of business for 20 years.; |  |  |  |  |
| 900001663 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed as a service manager for 6+ years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 4 years.; |  |  |  |  |
| 900001691 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 111 Months of verified reserves when none were required per lender guidelines on current CLTV.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 22 plus years.; Low LTV/CLTV/HCLTV - Low CLTV of 21.29%.; |  |  | ROR 0012 ROR cannot expire in less than 3 business days from the execution or transaction date - Subject transaction date is XX/XX/XX (Notary date), ROR was esigned XX/XX/XX with a cancellation date of XX/XX/XX. Earliest expiration date based on execution date would be XX/XX/XX. - ROR reflecting a expiration date of XX/XX/XX esigned by the borrower on XX/XX/XX received.<br>HCOST 0001 High Cost Failure - Missing lender rate sheet to verify bona fide discount. -- The loan fees ($XX) exceed the (FED2014) (Note Amount >=$26,968.00) fee limit, which is 5% of the Total Loan Amount ($XX), the difference is ($XX). (12 CFR 1026.32). - 05/16/2025 - Lender rate sheet confirming below par rate received.<br>|  |
| 900001673 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 69.91%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  |  |  |  |
| 900001676 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 21 years.; Low DTI - Low DTI of 19.16%.; |  |  | TRID 0134 Missing E-Sign Disclosure - Missing esign disclosure or the Docusign tracking to verify when borrowers consented to receiving documents electronically. - Recd eConsent certificate of completion<br>CRED 0091 Missing Tax Transcript(s) - Missing tax transcripts for both borrowers for (most recent two years) - Recd most recent two years wage transcripts for B1/B2.<br>TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Missing COC for decrease in lender credit from ($) to ($) on the final CD (date). - Recd COC, 2-day extension reduced lender credit to ($).<br>|  |
| 900001766 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 80 months of verified mortgage history paid 0X30 since xx/xxxx.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 8.33 years.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing B1 Wage & Income transcripts for years xxxx-xxxx. - 06/24/2025 xxxx and xxxx Wage & Income transcripts received.<br>|  |
| 900001720 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 21 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 4 plus years.; |  |  |  |  |
| 900001722 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has had same employment for 53 plus years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6 plus years.; |  |  | CRED 0012 CLTV Exceeds Max Allowed - 69.90% CLTV : 65% Max Allowed (Max 70% for Alt - 5% Bank Statements). - 05/21/2025 - Cleared investor response: "We made a mistake when we last updated our guidelines. We did not intent to apply another 5% haircut to the 70% max. We will clarify in the next update (currently in process). CLTV is below max of 75%."<br>|  |
| 900001667 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 767 fico w/a minimum requirement of 680.; Verified housing payment history - 41 mths of mortgage history for the subject verified 0x30.; Low DTI - DTI is 30.18 with a max allowed of 45%.; |  |  |  |  |
| 900001690 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900001701 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900001657 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 35 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed with same employer for 10 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9.66 years.; |  |  |  |  |
| 900001695 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 67.74%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 22 plus years.; | DEED 0049 Mortgage/Deed of Trust is Incomplete - Borrower took sole title since first lien origination. Lender acknowledged exception. - EV2/B - Investor Acknowledged Exception in file. |  |  |  |
| 900001675 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 62.30%.; Verified employment history - Borrower has been employed as a special education teacher at same school system for 23.58 years.; Verified ownership of subject property - Borrower has owned/occupied the subject property for 16.75 years.; |  |  |  |  |
| 900001697 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 45 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6 plus years.; |  |  | TITL 0003 Title Issue affecting Lien Position - Missing UCC Termination or subordination agreement, (producer). Lien with (producer) was not paid off. (Preliminary Title) - 05/27/2025 - Recd title supplement, Item #9 XX and #10 XX, are both okay to remain on Title. Neither cause a title defect or lien against real property. Included is Notice of XX - This recorded notice does not constitute a title defect, lien, or encumbrance against the real property subject. UCC Financing Statement and Settlement Statement reflecting XX included.<br>|  |
| 900001698 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 63.47%.; Verified occupancy in subject property - Borrower has occupied/owned the subject property for 9 plus years.; | GIDE 0001 Guideline Exception(s) - Borrower(s) on the first mortgage note are not the same as the borrower on the second mortgage note as required by the guideline. Investor Acknowledged Exception. - EV2/B Investor Acknowledged Exception |  |  |  |
| 900001714 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 64.71% < 80% Max Allowed (50% DTI).; Verified employment history - Borrower has been employed in same industry for 35 plus years.; |  |  |  |  |
| 900001711 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 - actual FICO of 762; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing XXXX transcripts. - Recd most recent two years transcripts.<br>|  |
| 900001731 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 55.82%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 7 years.; |  |  | TRID 0137 Cannot Reconcile LE / CD Versioning - Missing CD issued xx/xx/xxxx as reflected on Disclosure tracking details (pg xxx). - 05/22/2025 xx/xx/xxxx CD received.<br>CRED 0003 Credit Score (FICO) exception - Primary wage earner B2 FICO 643 < 680 Min Required. - 06/06/2025 Per lender- Income has been recalculated . B1 Social security has been grossed up. B2 income has been updated to base only and excluded OT or Bonus. B1 is now the primary wage earner. B1 Fico 724. Updated 1008/1003 provided.<br>|  |
| 900001696 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 70.62% < 85% Max Allowed.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 8 plus years.; |  |  |  |  |
| 900001704 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 99+ months mortgage history paid 0x30.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 5 plus years.; | TRID 0148 LE or CD is Deficient - The final CD does not indicate the reason the borrower will not have an escrow account. - EV2/B Non-Material. |  |  |  |
| 900001699 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 51.56% < 85% Max Allowed.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 15 plus years.; Low DTI - Low DTI of 17.45% < 45% Max Allowed.; |  |  |  |  |
| 900001692 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 65.38%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 19 plus years.; |  |  |  |  |
| 900001729 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 59.18% < 85% Max Allowed.; Verified employment history - Borrower has been employed as operations manager for 5 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 5.5 years.; |  |  | COMP 0027 Zero Tolerance Fee Violation - Missing valid COC for the increase from the transfer tax from ($) on the LE (pxxx) to ($) on the CD dated xx/xx/xxxx (pxxx). It is also unclear why a transfer tax is being charged, subject loan is a refinance with no change to vesting. - 06/06/2025 Fee naming updated to Recordation Tax / Mortgage Tax. Upon resubmission finding cleared.<br>|  |
| 900001686 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 80 months of verified mortgage history paid 0x30.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for XXX years.; |  |  | RESPA 0030 Homeownership Counseling Disclosure does not contain minimum required 10 counselors - Missing copy of the Homeownership Counseling Disclosure to confirm a minimum of 10 agencies were disclosed. Disclosure tracking is in file, but the actual disclosure is missing. - 05/22/2025 Homeownership counseling disclosure received.<br>|  |
| 900001685 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 703.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing Wage & income transcripts. - 1040 transcripts received.<br>|  |
| 900001693 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 44.32% < 85% Max Allowed.; Verified reserves - 54 months of verified reserves when guidelines did not required any based on LTV.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 18 plus years.; |  |  |  |  |
| 900001700 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 53.27% < 85% Max Allowed.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 10 plus years.; Low DTI - DTI of 19.60% < 45% Max.; |  |  |  |  |
| 900001748 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrowers have been employed with their same employers for 21 and 19.8 years respectively.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 17.25 years.; |  |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing dry funding CD. Loan disbursed on xx/xx/xxxx (CD (page xxx). ROR (page xxx) reflects the dates were changed to transaction date xx/xx and expiration date of xx/xx. - Final CD and Settlement Statement received confirming the actual disbursement date of xx/xx/xx.<br>TRST 0003 Trust Agreement is Incomplete - Trust on page xxx is not executed nor notarized. - 06/02/2025 Executed trust documents received.<br>|  |
| 900001761 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 59.76% < 80% Max Allowed.; Verified employment history - Borrower has been self employed/owner for 30 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD xx/xx/xxxx APR 9.025%<br>CD xx/xx/xxxx APR 8.876%<br>CD xx/xx/xxxx APR 8.831%<br>- EV2/B Decrease in APR is deemed to be a benefit to borrower. |  | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - COC (page xxx) issued xx/xx/xxxx reflects pricing change, CD (page xxx) reflects lower interest rate, but an increase of the fees from provider shown on the SPL (page xxx) greater than 10%. Title Examination increased ($), Lender's title policy increased ($) (Recording fee decreased ($)) for a variance of ($). - EV2/B Recd PCCD, Cover Letter, Refund Check ($), and Courier Tracking Receipt to evidence delivery to borrower completed within 60 days of consummation.<br>TITL 0011 Missing Title Holder Name from Title Evidence - Mortgage (page xxx) reflects added spouse of (redacted). Missing grant deed of evidence spouse added to title. - 06/04/2025 Cleared per lender response: Section 10 of Plaza guidelines indicates that parties on the Note must be on title. (redacted) is not on the Note. IL is a spousal state and requires that the spouse sign the mortgage. Per Title: Since IL is spousal, we proceeded with the joinder of the spouse on the mortgage for spousal rights only. Currently only Lyle is vested on title. Please accept based on spousal law.<br>TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Closing CD (xx/xx) disclosed discount ($). Lock confirmation reflects lock extension (xx/xx) with price of ($), as disclosed on PCCD. 0% tolerance violation ($).<br>NOTE: TRID 0204 Cure ($) covers 10% tolerance violation. - EV2/B Recd PCCD, Cover Letter, Refund Check ($), and Courier Tracking Receipt to evidence delivery to borrower completed within 60 days of consummation.<br>TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date<br>FRAUD 0001 Fraud report alerts have not been addressed - Missing fraud report with high risk fraud findings addressed; High fraud alert pg xxx, regarding Non-arm's length transaction with submitted participant role for CPA pg xxx. - 06/04/2025 Updated fraud report received.<br>|  |
| 900001788 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - 2 months reserves required. Receiving 27 months cash out.; Verified credit history - Credit score of 762 > 700 Min Required.<br>; Verified employment history - Borrower has been with current employer > 5 years.; | GIDE 0001 Guideline Exception(s) - Borrowers on 2nd lien do not match borrowers on 1st lien, spouse is not on 2nd lien. - EV2/B - Investor acknowledged exception.<br>CRED 0001 Unacceptable Mortgage History - First mortgage was modified per credit report and mortgage statement. Missing documentation to confirm date and terms of modification to ensure seasoning has been met. - 07/03/2025 EV2/B - Investor Acknowledged Exception |  | FRAUD 0001 Fraud report alerts have not been addressed - Fraud Alert has not been addressed. Missing (agency website) search for (name) to clear fraud alert. - 06/09/2025 Recd SAM Search, no match found.<br>CRED 0093 Credit Documentation is Insufficient - Missing evidence line of credit with (creditor) for (##,###) is closed. Per credit report pg. xxx the Credit Line is still open, per transaction History Report the Credit Line is associated with the subject. - 06/11/2025 Recd certificate of satisfaction.<br>|  |
| 900001703 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 70.42% < 85% Max Allowed.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6 plus years.; |  |  | CRED 0091 Missing Tax Transcript(s) - File is missing tax transcripts for year XXXX. File contains XXXX only. - Finding is cleared with the attached transcript.<br>|  |
| 900001735 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves required, borrower is receiving 20.65 months in cash out proceeds; |  |  | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Estimated Property Costs over Year 1 are based on annual HOA dues of ($) as reflected on the appraisal (pxxx), however HOA printout reflects the annual dues as ($) (pxxx). Using this figure, the Estimated Property Costs over Year 1 are under-disclosed. 1st mortgage is not escrowed (pxxx) - 06/04/2025 See corrected PCCD and LOE - 06/04/2025 EV2/B Post-closing corrective action -- Corrected PC CD with LOE to the borrower received.<br>|  |
| 900001721 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 83 months of verified mortgage history paid 0x30.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 4 plus years.; |  |  |  |  |
| 900001694 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 62.81% < 85% Max Allowed.; Verified employment history - Borrower has been employed for 32 plus years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 8 plus years.; |  |  |  |  |
| 900001734 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Established credit history - Representative credit score of 801 > 700 Min Required.; Verified employment history - 17 years stable employment for B2.; |  |  | NTB 0001 Missing Net-tangible Benefit worksheet - CO TNB Disclosure does not identify the benefit to borrower (pg 89). - 05/28/2025 CO TNB Disclosure that identifies the benefit to borrower received.<br>CRED 0082 Income Documentation is Insufficient - Missing B1 paystubs, xxxx/xxxxx W2s, and VOE. The only income documentation presented in file were the most recent two years wage transcripts. - 05/27/2025 Recd 3rd Party VOI, YTD Paystubs, and Two-Years W2s.<br>APRV 0001 Missing Underwriter Loan Approval - Missing loan approval / underwriting decision. Only 1008 provided in file. - Recd underwriting conditional approval.<br>CRED 0006 Missing Employment doc (VVOE) - Missing B1 Verbal Verification of Employment completed within 10 business days of the Note date (xx/xx/xxxx). - Recd 3rd Party VOI, YTD Paystubs, and Two-Years W2s.<br>|  |
| 900001702 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 87 months of verified mortgage history paid 0x30.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 11 plus years.; |  |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - The amounts disclosed on the last Closing Disclosure (date) for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on (date): Missing Valid COC for increase to XX. - Finding is cleared with the attached COC, borrower requested loan amount increase corresponding to XX change in amount. <br>|  |
| 900001705 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 34 months of verified cash out reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6 plus years.; |  |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing dry funding CD to confirm disbursement. Final CD, disbursement date of XX/XX/XX does not allow the borrower(s) with 3 rescission days: <br>The disclosed "Right to Cancel Expire Date" (XX/XX/XX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) - Disbursement information received and updated, exception cleared.<br>|  |
| 900001709 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Net tangible benefit - Second lien note is dropping from 12.65% to 9.125%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 4 plus years.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD (date) APR 9.46%<br>CD (date) APR 9.211%<br>CD (date) APR 9.211%<br>Reduction .0249%<br>- 05/27/2025 EV2/B - Decrease in APR is deemed to be a benefit to borrower. |  |  |  |
| 900001713 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 59.09% < 85% Max Allowed.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 12 plus years.; Verified employment history - B1 has been in same employment for 21 plus years.; |  |  |  |  |
| 900001716 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low DTI - 35.44% DTI < 45% Max Allowed.; Verified credit history - Middle Credit Score 732 > 700 Min Required.; |  |  |  |  |
| 900001747 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 806.; | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increased recording fees. Fee increased from $150 to $248 on the final CD (date). - EV2/B - Recd Cover Letter, PCCD, Refund Check ($), and Courier Receipt to evidence package in transit to borrower within 60 days of consummation. |  | CRED 0082 Income Documentation is Insufficient - Missing (year) W2 or (year) Wage and income transcripts for B2. - 06/11/2025 Recd (year) wage transcript, employer name discrepancy is due to merger as confirmed with the attached supporting documentation.<br>CRED 0087 Tax Returns/Transcripts are Insufficient - Missing (year) Wage and income transcripts for B2. - 06/11/2025 Recd (year) wage transcript, employer name discrepancy is due to merger as confirmed with the attached supporting documentation.<br>|  |
| 900001749 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 728.; Verified reserves - Required 2 months of reserves with verified liquid assets of 19 months.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated xx/xx/xxxx (Page xxx) does not indicate if the borrower declined an escrow account or if the lender does not offer one. - 06/04/2025 LOX |  | TITL 0001 Missing Title Evidence - Missing the Title Commitment or Preliminary Report or Title Policy. - Prelim title received.<br>|  |
| 900001723 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 51.82%.; Verified housing payment history - 93+ months of verified mortgage history paid 0x30 since XXXX.; |  |  |  |  |
| 900001725 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 64.31%.; Verified employment history - Borrower has been employed for 22 plus years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 18 plus years.; |  |  |  |  |
| 900001779 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 39 months of verified reserves.; Verified credit history - 790 credit score, 110 points above guideline requirement.; Established credit history - Established credit history with all accounts paid timely.; |  |  | TRID 0192 Appraisal Dated prior to Intent to Proceed Date - Missing Broker Intent to Proceed. Appraisal (Page xxx) was to another lender and dated xx/xx/xxxx. Letter to transfer appraisal (Page xxx) is dated xx/xx/xxxx. Both dates are prior to Intent to Proceed date of xx/xx/xxxx (Page xxx). - 06/18/2025 Cleared, agree w/lender response: (redacted) disagrees with this finding. The loan was assigned to a previous lender PennyMac.<br>The appraisal was transferred from a prior transaction with (redacted).<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increase in Recording Fee on CD issued xx/xx/xxxx. -- <br>CRED 0045 Questionable continuation of income - Missing IRA account statement for Borrower 2 to verify the sufficient funds to support a three year continuance of the IRA distribution income of ($) used to qualify. (xxxx and xxxx 1099s provided.) - 06/05/2025 Updated 1008 provided. Retirement income for B2 was removed. Lender updated DTI 49.31%. Borrower qualifies for DTI to 50%.<br>CRED 0082 Income Documentation is Insufficient - Missing documentation to verify retirement income for B2 of ($) used to qualify. Review DTI excluding this income source is 47.64%. - 06/05/2025 Updated 1008 provided. Retirement income for B2 was removed. Lender updated DTI 49.31%. Borrower qualifies for DTI to 50%.<br>|  |
| 900001724 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 50.25%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 9 plus years.; |  |  |  |  |
| 900001760 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with cash in hand sufficient to cover 13 months reserves.; Verified credit history - Required FICO of 700 with actual FICO of 741.; | GIDE 0001 Guideline Exception(s) - Investor acknowledged exception for spouse not on Note (pg xx). - 05/29/2025 EV2/B - Investor Acknowledged Exception |  | NMLS 0011 NMLS IDs do not match - Contact Name, (redacted), and NMLS ID, (redacted), reflected on the Closing Disclosure (pg xxx) does not match to the Note/DOT/1003: (redacted) (redacted). - 06/04/2025 TPR Error, CD cited in exception comments on pg xxx is an interim disclosure dated xx/xx/xx. Final CD tested and all NMLS match. <br>|  |
| 900001710 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 775.; Verified reserves - Required 2 months of reserves with cash out as 82 months.; |  |  |  |  |
| 900001732 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 64.63% < 85% Max.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 11.41 years.; |  |  | GFE 0002 Missing Intent to Proceed Disclosure - Missing Intent to Proceed executed by B2. - 06/09/2025 Recd ITP for B2.<br>CRED 0004 Back-end Ratio exception (DTI) - Approved DTI 44.008% / Review DTI 38.64%, variance > 3% tolerance. Difference is due to taxes and insurance being double counted; escrow payment was included in First Mortgage P&I of ($) and separate line items on the 1008. Missing revised 1008. - 06/10/2025 Recd revised 1008/Approval, Approved DTI 37.920%, variance < 3% is non-material.<br>|  |
| 900001706 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV 15.92% < 85% Max Allowed.; Verified credit history - Middle Credit Score 751 > 680 Mon Required.; |  |  |  |  |
| 900001687 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 69.72%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for XX years.; | DEED 0049 Mortgage/Deed of Trust is Incomplete - First lien DOT had spouse in title and second lien does not. Parties are divorced as of XX/XX. LENDER EXCEPTION in file. - Investor Acknowledged Exception. |  |  |  |
| 900001707 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - 30 plus years employment stability.; Low DTI - DTI 11 points below guidelines; |  |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for the addition of the XX fee of $XX. --The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on XX/XX/XX: XX Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - COC for added XX received.<br>|  |
| 900001712 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 21 plus years.; Low DTI - Low DTI of 28.16%.; |  |  |  |  |
| 900001717 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified housing payment history - 81 months of verified mortgage history paid 0x30 since XXXX.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 3 plus years.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material |  |  |  |
| 900001739 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 64.73%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 11 years.; |  |  | CRED 0104 Missing Letter of Explanation - Missing LOX as to why both borrowers marked Non-Permanent Resident Aliens on initial 1003 and marked as US Citizen on final applications. - 06/04/2025 Email from lender received: This was marked in error and fixed by the LO, finding cleared.<br>|  |
| 900001719 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 66.89%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 plus years.; |  |  |  |  |
| 900001755 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 53 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self employed owner for 3.58 years.; |  |  |  |  |
| 900001708 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 26.29% < 85% Max Allowed.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 21 plus years.; | TRID 0171 Missing valid Change of Circumstance(s) - Missing COC for change in loan amount and term on LE issued XX/XX/XX. - EV2/B - No fee violation associated with this disclosure. |  |  |  |
| 900001753 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 64.91% < 85% Max Allowed.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 8.5 years.; Low DTI - DTI of 25.75% < 45% Max Allowed.; | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing evidence loan disbursed after the ROR expiration date of (date). Final settlement statement and final CD dated (date) reflect a disbursement date of (date). It is noted the the settlement statements reflects interest from date of (date). (Lender to provide a certified copy of the corrected final settlement statement and PC CD if applicable). If loan disbursed prior to expiration date recession period to be re-opened. - EV2/B - Recd PCCD and cover letter. US Mailbox Rule to be applied. |  |  |  |
| 900001764 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 26 years.; Low DTI - DTI 40.07% < 45% Max Allowed.; | APPR 0044 HPML Appraisal Requirements are Not Met - The appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material |  | COMP 0010 Missing Affiliated Business Disclosure - Missing ABD for lender. If lender has no affiliates an attestation on company letter head from a compliance officer may be provided. - 06/06/2025 Seller confirms that there are no affiliated business relationships involved in the the subject transaction, thus no ABD is required.<br>APRV 0010 Underwriting Loan Approval is Deficient - Approved DTI 32.308% / Review DTI 38.40%, variance > 3%. Difference is due to lender not including TI of ($) on non-subject REO or Solar Debt of ($). - 06/16/2025 Recd revised 1008 with DTI 40.075%, variance < 3%. <br>|  |
| 900001744 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 4.33 years.; Loan Term < or = 15 year - Subject loan is 15 year amortization.; |  |  |  |  |
| 900001757 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 45 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been self employed owner for 13.7 years.; Low DTI - Low DTI of 20.29%.; |  |  | ROR 0012 ROR cannot expire in less than 3 business days from the execution or transaction date - ROR pgs 3-4 reflects an expiration date of xx/xx/xxxx. Based on transaction date of xx/xx/xx expiration date would have been xx/xx/xx. Borrower did not receive a complete 3 business day rescission period- as required per TILA regulation. (Monday, xx/xx/xx was a federal holiday and was not to be counted as a valid rescission day. Lender to provide borrower with a new 3-day rescission period. - Corrected RORs received. Expiration date was updated to xx/xx/xx and initialed by the borrower.<br>NOTE 0050 Note is Incomplete - Subject note does not include spouse that was included on the 1st lien Note pg xxx. Per guideline Borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note (exceptions considered on a case-by case basis). - 06/06/2025 TPR set in error. Per investor, effective immediately (xx/xx/xxxx) seller can remove/add immediate family member without it being considered an exception. <br>|  |
| 900001756 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been self employed owner of interior design business for 6.5 years.; Verified occupancy in subject property - Borrowers have owned/occuped the subject property for 3 years.; |  |  |  |  |
| 900001789 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 26.04%.; Verified employment history - Borrower has been employed with same employer for 25 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 12 years.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - Ev2/B Non-Material |  | INS 0001 Missing Sufficient Evidence of Insurance - Missing insurer's replacement cost estimate to verify if coverage of ($) pg xxx is sufficient. Appraisal, page xxx, shows replacement cost new of ($). Total lien value is ($) for both liens. Unable to determine if replacement cost on policy would actually cover replacement costs new or total loan amounts of ($). - 06/11/2025 Recd master insurance policy that includes guaranteed replacement cost coverage up to ($), ($) value used for subject.<br>NOTE 0050 Note is Incomplete - Missing copy of first lien note or mortgage statement as required by guidelines. - 07/01/2025 Online print out received verifying bi-weekly payment amount of ($). Monthly Escrow payment ($), Balance ($) with next draft date of xx/xx/xx.<br>|  |
| 900001736 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 67.97%.; Verified employment history - Borrower has been employed as a civil engineer for 7 years.; Low DTI - Low DTI of 25.35%.; |  |  |  |  |
| 900001737 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 63.86%.; Verified employment history - B1 has been employed as a teacher for 10 years.; |  |  |  |  |
| 900001738 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 57.41% < 85% Max Allowed.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 13 years.; Low DTI - DTI of 25.37% < 45% Max Allowed.; |  |  |  |  |
| 900001740 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B2 has been employed with current employer for 9 years and in current line of work for 19 years.; Low DTI - DTI of 30.24% < 45% Max Allowed.; |  |  | TRID 0192 Appraisal Dated prior to Intent to Proceed Date - Missing explanation for Appraisal being ordered prior to receiving the borrowers intent to proceed. Appraisal is dated (date). Intent to Proceed is executed (date). - 06/09/2025 Recd ITP dated prior to the appraisal date (date)<br>|  |
| 900001741 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 3.5 years.; Low DTI - DTI of 27.29% < 45% Max Allowed.; |  |  |  |  |
| 900001754 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 58 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed doing landscaping for 5.9 years.; |  |  | TITL 0016 Title Policy Coverage Amount is less than the loan amount - Junior Loan Policy, title insurance coverage is: ($), with note amount of ($). - 06/10/2025 Recd Supplemental Report, proposed loan amount ($).<br>|  |
| 900001781 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been self employed for 11 years.; Low DTI - DTI of 23.37% < 45% Max Allowed.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Property Costs Over Year 1 of ($) is understated. The HOA Fee of ($) included in the disclosed estimated property costs of ($) is understated by ($); Actual HOA Fee is ($) with total property costs of ($) (Costs Over Year 1 ($)). - 06/18/2025 Please see attached. Thanks |  | DEED 0007 Missing PUD Rider - PUD Rider is not in file. - Recd Mortgage with PUD Rider and Exhibit A.<br>DEED 0021 Missing Legal Description on Mortgage/DOT - Legal Description is not attached to or contained within Mortgage. - 06/09/2025 Recd Mortgage with PUD Rider and Exhibit A.<br>|  |
| 900001785 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - 30 years employment stability.; Low LTV/CLTV/HCLTV - Low CLTV 62%.; Verified credit history - All accounts always paid timely.; |  |  | CRED 0084 Income Calculation Discrepancy - Final 1008/1003 reflects base income of ($) used to qualify. Review calculated base income of ($). Income calculation of ($) is based on 12 mths vs 9 mths per contract. Lender income calculator for B1 reflects ($) which is based on 24 mth average of xxxx/xxxx. Borrower is a teacher and is paid on 9 mths not 12 per WVOE. Missing updated 1008 reflecting the corrected income. Review DTI 48.87%. - 06/11/2025 Recd revised 1008, Approved DTI 49.400%.<br>CRED 0091 Missing Tax Transcript(s) - Missing xxxx Wage & Income transcripts for B1 and B2. Only xxxx-xxxx provided. - 06/25/2025 xxxx Wage & Income transcript for B1 received.<br>|  |
| 900001786 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 64.33% < 80% Max Allowed.; Verified housing payment history - Borrower has 99 months of verified mortgage history paid 0x30.; | TRID 0192 Appraisal Dated prior to Intent to Proceed Date - Appraisal Fee $645 was paid, prior to the ITP. - 07/07/2025 PCCD and LOX Check and FEDEX <br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B - Non-Material |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Legal Description attached to Mortgage in file is for a different property. - 07/01/2025 Scrivener's Affidavit and letter of intent to re-record Schedule A received.<br>|  |
| 900001726 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - 8 plus years stable employment.; Verified credit history - Limited outstanding debt after closing.; Verified housing payment history - Timely mortgage payment history on 2 mortgages.; |  |  | QCD 0001 Missing Copy of Quit Claim Deed - Missing copy of executed deed removing XX from title. Transfer Deed in file is not executed. - 06/11/2025 - Recd exceed transfer grant deed.<br>APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. - Recd underwriting conditional approval.<br>|  |
| 900001733 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 53%.; Verified housing payment history - 99 months of verified mortgage history paid 0X30 since X/XXXX.; Verified employment history - Borrower has been employed as a project manager with same employer for 26 years.; |  |  | TXEQ 0019 Missing TX Home Equity Affidavit and Agreement - Missing TX Home Equity Affidavit and Agreement. - Recd TX Home Equity Affidavit & Agreement.<br>TXEQ 0015 Texas 50(a)(6) Loan Fees Exceed the Permissible Fee Limitation. - Missing lender rate sheet/ lock to validate bona fide discount points of ($). (Total Fees ($), less discount of ($) = ($) Total allowed is ($).) - 06/10/2025 Lender rate sheet received. Bona fide discount verified. Finding cleared upon resubmission.<br>|  |
| 900001742 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrowers have been employed for 15.6 and 16.6 years respectively.; Low DTI - DTI of 16.25% < 45% Max.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Initial CD APR 10.323% / Final CD APR of 9.495%, variance > 0.125% tolerance. - EV2/B Non-Material, decrease is deemed to be a benefit to borrower. |  |  |  |
| 900001743 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 725.; Verified reserves - Required 2 months of reserves with verified liquid assets of 21 months.; Low DTI - Maximum DTI of 45% with reviewed DTI of 30.29%.; |  |  |  |  |
| 900001769 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  |  | CRED 0091 Missing Tax Transcript(s) - Missing investor acknowledgement for lender approved exception to waive wage transcripts with the code 10 findings. - 06/09/2025 Attached is the Investor Approval needed to clear this finding. <br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Property Costs Over Year 1 of ($) are inaccurate, estimated property costs of ($) do not include the HOA Fee ($). Actual estimated property costs are ($) with property costs over year 1 of ($). - 06/18/2025 Attached is the document to resolve this finding. |  | DEED 0007 Missing PUD Rider - Missing PUD Rider. - 06/09/2025 Recd executed PUD Rider.<br>|  |
| 900001730 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed in same line of work with employer for 7 years.; Verified ownership of subject property - Borrower has owned/occupied the subject property for 6.8 years.; |  |  |  |  |
| 900001750 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 5 years.; Low DTI - DTI of 30.38% < 45% Max Allowed.; |  |  |  |  |
| 900001774 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 14 months of verified reserves when guidelines required 2 months.; Verified employment history - Borrower has been employed in same field for 13 years with same employer.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 6.5 years.; |  |  | CRED 0004 Back-end Ratio exception (DTI) - Approved DTI 29.30% / Review DTI 21.07%, variance > 3% tolerance. Approved DTI double counted first lien mortgage by including the payment of ($) in Subordinate Lien P&I of ($) on the 1008. Missing revised 1008. - 06/18/2025 Recd revised 1008, DTI 20.016%, variance < 3% is non-material.<br>TITL 0003 Title Issue affecting Lien Position - Quit Claim Deed in file is not executed by the ex-spouse, only the borrower. Divorce Decree states the property was to be vested to borrower only as a part of the divorce settlement. Unable to verify that the subject property is vested only to the borrower. ROR, CD, and Mortgage for loan transaction is only executed by the borrower. - 06/18/2025 Recd Quit-Claim Deed executed by the borrower and ex-spouse.<br>|  |
| 900001752 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed is same field for 16 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 7 years.; Low LTV/CLTV/HCLTV - CLTV of 56.65% < 85% Max Allowed.; |  |  |  |  |
| 900001745 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 58.60% < 85% Max Allowed.; Verified employment history - Borrowers have been employed with same employer in same filed for 26 and 31.5 years respectively.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 12 years.; |  |  |  |  |
| 900001727 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has owned/occupied the subject property for 8 plus years.; Income verified was not used in qualifying - Borrower has documented income from XX not included in qualification.; |  |  |  |  |
| 900001746 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Borrowers have 35 months verified reserves.; Verified credit history - 800 representative credit score is 100 points above guideline requirement.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing the (year) Wage and Income Transcript for both borrowers. - Finding is cleared with the attached (year) wage transcript.<br>|  |
| 900001780 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Qualification on B2 only reflects self employment for 9.71 years. B1 has been owner and president of his business for 30 years - income not used in qualification.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 21 years.; |  |  | CRED 0026 Non-Arms Length Transaction - Missing investor acknowledgment, B1 is owner/president of (redacted) that originated subject loan. - Cleared per investor response: This will not be considered an exception since our guidelines do not have NAL restrictions. <br>|  |
| 900001728 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 29 plus years.; Income verified was not used in qualifying - B1 documented XX income not included in qualification.; Low LTV/CLTV/HCLTV - CLTV of 57.93% < 85% Max Allowed.; |  |  |  |  |
| 900001759 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - 20 years stable employment.; Established credit history - 771 credit score with all accounts always paid timely.; | GIDE 0001 Guideline Exception(s) - All borrower's on the first lien are not on the subject loan as required per guidelines. Investor Acknowledged Exception in file pg XX. - EV2/B Investor Acknowledged Exception |  |  |  |
| 900001790 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 48.05% < 80% Max Allowed.; Verified credit history - 752 Middle Credit Score > 720 Min Required.; | TRID 0166 Closing Disclosure Total of Payments is Under Disclosed 1026.38(o)(2) - Total Payments disclosed on CD signed at closing was $100 less than Total Payments disclosed on PCCD (Page xx, xx). -- - 07/07/2025 EV2/B Post-Closing Corrective Action -- Copy of refund check in the amount of ($) received with corrective PC CD, LOE to borrower and ROR. |  | DMND 0003 Missing Payoff/Demand Statement - The file is missing documentation to support the payoff balance of ($) for (federal) installment loan. - 06/16/2025 Payoff was taken from (xxxx) 1040 Amount Owed.<br>|  |
| 900001751 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 709.; Low LTV/CLTV/HCLTV - 70% LTV < 75% Max Allowed.; |  |  |  |  |
| 900001767 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with net cash out proceeds of 12 months.; Verified credit history - Required FICO of 700 with actual FICO of 757.; |  |  | TXEQ 0021 Missing Designation of Homestead - Missing executed Designation of Homestead Affidavit. - 06/25/2025 Acknowledgement of Fair Market Value of Homestead Property received. <br>TXEQ 0019 Missing TX Home Equity Affidavit and Agreement - Missing executed TX Home Equity Affidavit and Agreement. - 06/18/2025 Recd executed TX Home Equity Affidavit and Agreement.<br>TXEQ 0001 Notice Concerning Extension of Credit Disclosure is Missing - Missing copy of the Notice Concerning Extension of Credit Disclosure executed at least 12 days prior to the Note date xx/xx/xx. - 06/20/2025 Notice Concerning Extension of Credit Disclosure executed by the borrower(s) on xx/xx/xx received.<br>|  |
| 900001770 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with verified cash out proceeds of 12 months.; |  |  | APRV 0003 Missing Loan Approval Date - Missing lender approval, only the unsigned 1008 is in the file (pxx). - 06/17/2025 Lender loan approval received.<br>|  |
| 900001763 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - 808 credit score as a result of a 38-year credit history with no late payments reported.; Low DTI - DTI of 7.5% well below guideline max of 45%.; Verified employment history - 20 years stable employment.; | CRED 0082 Income Documentation is Insufficient - Missing signed business narrative providing the following information: <br>Description of business operation<br>Primary products and or services<br>Who is the customer base<br>Number of full-time employees,<br>Any other information that would help determine eligible deposits - 06/25/2025 EV2/B Investor Acknowledged Exception. - Email received Investor has made an exception for the missing business narrative. Please waive/downgrade.<br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD is inaccurate (Page xxx), escrow indicator on pg x of x is marked with non-escrowed property costs over year 1 completed. <br>No escrow indicator should be marked with property costs over year 1 completed. - 06/23/2025 LOE To borrower |  | TRID 0135 No proof borrower(s) can receive documents via the electronic method as intended - Missing borrower accepted eDisclosure. Evidence of esign in file. - 06/18/2025 Recd esign certificate of completion.<br>|  |
| 900001765 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 57.92% < 85% Max Allowed.; Established credit history - 803 credit score with no late payments reported. Minimum credit score required 680.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing loan approval / underwriting decision. - 06/18/2025 Recd underwriting conditional approval.<br>|  |
| 900001777 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 726 credit score with a timely mortgage payment history. Minimum credit score required 680.; Verified employment history - 8 years employment stability.; Verified housing payment history - Credit report reflects 1 open mortgage satisfactorily rated 52 months.; |  |  | CRED 0004 Back-end Ratio exception (DTI) - Review DTI 48.07% > 45% Max Allowed. Bonus income is declining, review used YTD bonus annualized of ($) as opposed qualifying bonus income of YTD/xxxx averaged of ($). Borrower does not qualify for max DTI of 50% due to residual income ($) requirement not being met. - 06/23/2025 Email from employer received confirming semi-annual bonus's. Updated bonus income using YTD + Prior 2 yrs average. Final DTI 44.29%.<br>|  |
| 900001804 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with cash out reserves of 25 months.; Verified credit history - Required FICO of 700 with actual FICO of 725.; |  |  | CRED 0004 Back-end Ratio exception (DTI) - Review DTI 45.66% > 45% Max Allowed. Borrower is not eligible for DTI up to 50% due to LTV 84.616% (Max Allowed 80%). Approved DTI 44.982%.<br>Lender used total monthly income of ($) broken down as follows: <br>Base ($), <br>OT ($), <br>Bonus ($), <br>Commission ($), <br>Other ($). <br>An employer email states the Other income is vacation (pg xxx). <br>Using the WVOE (pg xxx), the review total monthly income is ($) broken down as follows: <br>Base + Other (vacation) ($), <br>OT + Commission ($), <br>Bonus ($) (Declining, review used xxxx annualized).<br>--UPDATED INCOME--<br>Base Salary ($) (($) hr x 40 hr wk), which is in line with using the YTD base + other income (vacation). <br>Bonus income ($) based on xxxx Bonus annualized. Income trend is declining.<br>xxxx ($)<br>xxxx ($)<br>xxxx ($)<br>Overtime income ($) based on YTD ($). Income trend is declining.<br>xxxx ($)<br>xxxx ($)<br>xxxx ($)<br>Commission income ($) based on YTD+xxxx. Income trend in increasing.<br>xxxx ($)<br>xxxx ($)<br>xxxx ($)<br>Total Income ($) increases DTI to 45.67%.<br>- 07/14/2025 Updated income calculation with LOE from employer that xxxx bonus will be inline w/xxxx earnings received. Updated income calc resulted in DTI 44.98%.<br>|  |
| 900001783 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 7 months.; | GIDE 0001 Guideline Exception(s) - Investor acknowledged exception in file for rural property. - 06/16/2025 EV2/B - Investor Acknowledged Exception. |  | CR 0001 Missing Credit Report - Missing original credit report. Only gap report and credit supplement provided in file. - 06/18/2025 Recd origination credit report.<br>|  |
| 900001771 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - 25 years stable employment.; Verified credit history - 767 credit score with mortgage account always paid timely.; |  |  |  |  |
| 900001772 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 6 months.; Verified credit history - Required FICO of 700 with actual FICO of 726.; Low DTI - Maximum DTI of 45% with reviewed DTI of 38.32%.; |  |  | CRED 0123 Missing work visa for non-permanent resident alien. - Missing documentation to verify the borrower's ability to live and work in the United States. Per the initial final 1003s the borrower is a non-permanent resident. The file only contains a copy of the borrower's driver's license. - 06/23/2025 Corrected 1003 with changes initialed by the borrower received w/LOE from processor that the residency was marked incorrectly by mistake.<br>|  |
| 900001808 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrowers have 12.5 and 5-years stable employment.; Verified credit history - 735 credit score as a result of a credit history with all account paid timely. Minimum credit score required 680.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD (Page xxx) indicates the loan has an escrow account when it is not escrowed. - 07/02/2025 Attached is the PCCD LOE for this finding. |  |  |  |
| 900001762 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - 10 Years stable employment.; Verified credit history - 738 credit score with all accounts always paid timely. Minimum credit score required 680.; |  |  |  |  |
| 900001773 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 741.; |  |  | CRED 0091 Missing Tax Transcript(s) - B1 2nd job the State of Illinois to calculate this income. The GL's for wage earner p.xx, require wage & income transcripts for the years of qualifying income. The loan file is missing the IRS W2 xxxx transcript for B1's 2nd job with the State of Illinois. - 06/23/2025 xxxx Wage & Income transcript received.<br>|  |
| 900001768 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 723.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing loan approval / underwriting decision. - 06/20/2025 Loan approval received.<br>|  |
| 900001787 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 760 credit score with all mortgages always paid timely.; Low LTV/CLTV/HCLTV - Low 62.84 CLTV ; |  |  | PROP 0003 Missing Required Property Inspection - Investor will require post-disaster inspection report for TN disaster declaration as of xx/xx/xx in the subject county. - 07/01/2025 Post-Disaster inspection report confirming no damage received.<br>|  |
| 900001782 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 773.; |  |  |  |  |
| 900001775 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 801 credit score with all accounts always paid timely.; Verified employment history - 6.5 years stable employment.; |  |  |  |  |
| 900001776 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 36 months.; Verified credit history - Required FICO of 700 with actual FICO of 766.; Disposable Income - GL's state residual income of ($) per month and actual is ($).; |  |  | APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - Income used to qualify on the 1008 does not match the final 1003. 1008 reflects ($), 1003 reflects ($) which matches the income calculation worksheet in file pg xxx. This calculation was based on average of YTD and prior 2 years. Using the same method review calculated ($). Lender to confirm income calculation and provided either an updated 1008 or Corrected 1003 w/LOE to the borrower. - 06/24/2025 Correct final 1008 which shows the qualifying income of ($) received.<br>CRED 0004 Back-end Ratio exception (DTI) - Review DTI of 51.73% exceeds the max allowed DTI of 50%. Review calculated income of ($) using average of YTD and prior 2 years. Income on the final 1003 reflects ($) which matches the income calculation worksheet in file pg xxx. Unable to validate income of ($) per the 1008. - 06/24/2025 Updated 1008 with corrected debts and income received. Mtg liability paid by other was excluded in the re-calculation. Revised approved DTI 25.81%. Review DTI 25.83%.<br>|  |
| 900001795 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 38.96%.; Verified employment history - Borrower 1 has 10 years employment stability.; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid COC for increased loan discount on the CD issued xx/xx/xx not designate the reason. Per COC pg xxx, no change in rate or lock expiration date indicated to justify increase. -- <br>Missing valid COC for increased loan discount on the CD issued xx/xx/xx pg xxx. COC pg xxx addressed the increased fee from ($) to ($) but does not designate the reason. Per COC pg xxx, no change in rate or lock expiration date indicated to justify increase. <br>The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on xxxx-xx-xx: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)) - 07/09/2025 shipped (number)<br>Will be delivered xx/xx |  | CRED 0091 Missing Tax Transcript(s) - Missing 2023 wage and income transcripts for B1 and B2. - 06/26/2025 xxxx wage and income transcripts for B1 and B2 received.<br>CRED 0104 Missing Letter of Explanation - The file is missing a letter of explanation for Borrower 2's recent three months gap in employment. - 07/02/2025 Agree with lender response. FNMA does not designate a specific period.<br>|  |
| 900001796 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - 9.5 years stable employment.; Verified credit history - 754 credit score with a timely mortgage payment history.; |  |  | APPR 0043 Missing Appraiser License - Appraisal is missing a copy of the appraiser's license. - 07/07/2025 Copy of appraiser license received.<br>CRED 0091 Missing Tax Transcript(s) - Missing the IRS Transcript for xxxx. - 06/26/2025 xxxx Wage & Income Transcript received.<br>|  |
| 900001784 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 727.; Low DTI - Maximum DTI of 45% with reviewed DTI of 28.56%.; |  |  |  |  |
| 900001814 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 58.51% w/a max allowed of 70%; Verified credit history - 710 fico w/a minimum requirement of 700.; | CRED 0082 Income Documentation is Insufficient - Missing the signed written business narrative as required for bank statement loans. - 07/02/2025 EV2/B - Investor Acknowledged Exception |  | TRID 0009 Initial Closing Disclosure Sent Method Not In Person and No Received Date - Missing the disclosure tracking for the CD issued xx/xx/xx to verify borrower receipt. -- The Initial Closing Disclosure was provided on (xxxx-xx-xx) via (U.S. Mail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xxxx-xx-xx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xxxx-xx-xx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (xxxxxxxx), for consummation to occur on (xxxx-xx-xx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - 07/14/2025 There were no changes from the CD issued on xx/xx/xx to the CD issued on the 10th. CD on the 10th was sent via eign to meet the closing date of xx-xx-xx.<br>|  |
| 900001793 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 71.53% CLTV w/a max allowed 85%.; Verified credit history - 737 fico w/a minimum requirement of 680.; Verified housing payment history - 60+ mths of mortgage history verified 0x30.; |  |  | CRED 0072 VVOE dated outside of required timeframe - Missing VVOE completed w/in 10 days of the Note date xx/xx/xx. - VVOE completed xx/xx/xx received.<br>|  |
| 900001778 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Borrower has more than 80 mths of mortgage history verified 0x30.; Verified employment history - 12+ yrs verified with current employer.; |  |  |  |  |
| 900001823 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 749 fico with a minimum requirement of 700.; |  |  | TIL 0006 APR Violation - APR Variance of .137% exceeds the max allowed of .125%.<br>CD x/xx/xxxx APR 10.046% pxxx<br>CD x/xx/xxxx APR 10.061% pxxx<br>CD x/xx/xxxx APR 10.178% pxxx<br>CD x/xx/xxxx APR 10.183% pxx (final) <br>Material Compliance Finding: Prior CD3 sent on (xxxx-xx-xx) was received at least 3 business days before closing. The Last CD (10.183%) is inaccurate when compared to the Prior CD3 (10.046%) APR. The Last CD sent on (xxxx-xx-xx), Prior CD1 sent on (xxxx-xx-xx), and Prior CD2 sent on (xxxx-xx-xx) were not received at least 3 business days before closing. If the APR is inaccurate, a consumer must receive a corrected CD no later than (xxxxxxxx), which is 3 business days before the (xx-xx-xx) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it 3 business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least 3 business days before closing and the actual APR. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) - 07/17/2025 Exception escalated to compliance. Review updated the receipt date for the xx/xx/xx CD to xx/xx/xx based on the date that B1 viewed the CD (Tracking pg xxx). Previously date used was the date that the disclosure was esigned of xx/xx/xx. Finding cleared upon re-submission. <br>CRED 0091 Missing Tax Transcript(s) - Missing xxxx 1040 transcript. - xxxx 1040 transcript received.<br>|  |
| 900001799 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 28 months.; Verified credit history - Required FICO of 700 with actual FICO of 719.; |  |  |  |  |
| 900001801 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 45 months.; Verified credit history - Required FICO of 680 with actual FICO of 803.; |  |  | APRV 0001 Missing Underwriter Loan Approval - The loan file is missing the loan approval. - 07/02/2025 Lender loan approval received.<br>CRED 0133 HOA Payment is not verified - Missing 3rd party verification of the subject HOA dues. Reviewer used estimate of ($) per the 1008 and purchase CD page xxx. - 07/02/2025 Appraisal from purchase transaction provided. Monthly HOA amount verified.<br>|  |
| 900001806 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 28 months.; Verified credit history - Required FICO of 700 with actual FICO of 719.; Low DTI - Maximum DTI of 45% with reviewed DTI of 31.16%. ; | TRID 0148 LE or CD is Deficient - The Estimated Taxes, Insurance, and Assessments on the final CD dated xx/xx/xx reflects hazard insurance is to be escrowed. 2nd lien program does not offer escrows. - 07/10/2025 PCCD with letter<br>CRED 0082 Income Documentation is Insufficient - Missing business narrative as required for bank statement loans. - 07/10/2025 Investor Acknowledged Exception - Email received that exception was granted for missing documentation. |  |  |  |
| 900001816 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 35 months.; Verified credit history - Required FICO of 680 with actual FICO of 766.; | CRED 0082 Income Documentation is Insufficient - The loan file is missing the signed written business narrative required by the GL's p.6. - 07/02/2025 EV2/B Investor Acknowledged Exception. |  |  |  |
| 900001811 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 64.62%.; Verified credit history - Clean credit with no reported late payments.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. - 07/02/2025 Lender loan approval received.<br>|  |
| 900001813 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - The borrower has 13 years stable employment.; Verified credit history - 793 credit history with all accounts paid timely.; |  |  | CRED 0113 Missing evidence of HOA Dues - Missing verification of HOA fees for the subject. - 07/14/2025 LOE from borrower received confirming no HOA.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing verification of insurance premium. Hazard insurance declarations does not disclose the annual premium (pgs xxx-xxx). - 07/01/2025 Declarations page received which includes the policy premium.<br>|  |
| 900001815 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 748 credit score with all accounts always paid timely.; Low LTV/CLTV/HCLTV - 66.58% CLTV; |  |  |  |  |
| 900001791 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 708.; Low DTI - Maximum DTI of 45% with reviewed DTI of 39.38%.; |  |  |  |  |
| 900001792 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 48.03% w/a max allowed of 75%.; Verified employment history - 24+ yrs verified w/current employer.; |  |  |  |  |
| 900001794 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 69.76%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 9 years.; | NOTE 0050 Note is Incomplete - B2 is not on first lien note. Exception page x-x; approved xx/xx/xxxx. - EV2/B Investor acknowledged exception. |  |  |  |
| 900001797 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 54.84%.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 50 years.; |  |  |  |  |
| 900001803 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed as an engineer with same employer for 16.5 years.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 13 years.; Low DTI - Low DTI of 27.36%.; |  |  | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC for increase in Recording fee on CD issued xx/xx/xxxx on page xxx. Fee increased from ($) to ($). (Amount to Cure ($)) -- The total amount of Closing Disclosure 10% Category fees ($) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xxxx-xx-xx, ($). The total amount of fees in this category cannot exceed ($) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)). - 07/09/2025 LOE to borrower with final CD received.<br>TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. <br>HUD 0001 Missing Final HUD-1 - Missing a certified copy of the final settlement statement. Only the estimate was provided in file for review. Settlement statement required to verify actual recording fees. - 07/07/2025 Final settlement statement received. Recording fees verified.<br>TRID 0148 LE or CD is Deficient - Mortgage recording fee disclosed does not balance to amount charged to the borrower. CD reflects Mortgage ($), with borrower paid fee of ($). Final settlement statement requested to verify actual amount. - 07/09/2025 Final Settlement Statement received with the Final CD for dry funding state.<br>TRID 0125 Closing Disclosure Cash to Close on the Calculating Cash to Close table has changed from the LE with no evidence of the "Did This Change Indicator" flag (12 CFR 1026.38(i)(1)(iii)) <br>|  |
| 900001805 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 43.82%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 58 years.; Low DTI - Low DTI of 31.32%.; |  |  |  |  |
| 900001809 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 19 months of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 23 years.; |  |  | TRID 0008 Initial CD Received Date is < 3 business days prior to Consummation Date - Missing interim CD's and any applicable COCs for the following: CD issued/received xx/xx/xx (DTD page xxx), CD xx/xx/xx (DTD page xxx), xx/xx/xx (DTD page xxx), xx/xx/xx (DTD page xxx). Earliest CD provided (page xx) dated xx/xx/xx. -- <br>Missing interim CD's and any applicable COCs for the following: CD issued/received xx/xx/xx (DTD page xxx), CD xx/xx/xx (DTD page xxx), xx/xx/xx (DTD page xxx), xx/xx/xx (DTD page xxx). Earliest CD provided (page xx) dated x/x/xx.<br>The Initial Closing Disclosure Received Date of (xxxx-xx-xx) is not three business days before the consummation date of (xxxx-xx-xx). Three business days before the consummation date is (xxxxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - 07/07/2025 Initial and interim CD's with COCs received.<br>|  |
| 900001810 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 24.13%.; Verified credit history - 715 Fico w/a minimum requirement of 680.; |  |  |  |  |
| 900001841 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - B1 has been employed with same company for 21 years.; Low LTV/CLTV/HCLTV - 63.67% LTV/CLTV w/a max allowed of 75%.; Low DTI - Review DTI 39.65% w/a max allowed of 45%; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing tax transcripts for B1 for years xxxx and xxxx as required per guidelines. - 07/30/2025 xxxx and xxxx Wage & Income transcripts for both borrowers received.<br>TRID 0148 LE or CD is Deficient - Final CD dated xx/xx/xxxx page xxx is missing page x of x. Unable to verify Payoffs and Payments or the Calculating Cash to Close Table. (Collection account xxxx CD was to be paid off out of loan proceeds IAO ($).) - 07/02/2025 Complete copy of CD received.<br>|  |
| 900001812 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 51.15%.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 4 years.; |  |  | TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. - Missing valid COC for added Title Binder/Commitment fee of $xx on the final CD issued x/xx/xx. COC's provided on pages xx-xx do not address added fee. (Cost to Cure $xx)<br>|  |
| 900001848 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 28 monhts of verified reserves when guidelines required 2 months.; Verified occupancy in subject property - Borrower has owned/occupied the subject property for 9 years.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing xxxx/xxxx transcripts as required per guidelines. - 07/30/2025 xxxx/xxxx Wage & Income transcripts received.<br>COMP 0010 Missing Affiliated Business Disclosure - Missing ABD for Lending Force. If lender has no affiliates an attestation on company letterhead is acceptable. - 07/14/2025 Cleared per lender response: A review of their website shows they do not have any affiliated relationships. In addition, at the time that Plaza approves any Broker or Correspondent, Plaza does a full vetting of each company, including a review of their financials. Based on our vetting done on Loan Force, they do not have any affiliated<br>relationships.<br>PROP 0003 Missing Required Property Inspection - Missing Exterior PCI, Property Condition Inspection in file, page xxx, is not for subject property. - 07/09/2025 Subject Exterior PCI received.<br>|  |
| 900001818 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - B1 has been employed with same employer for 12 years.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 10 years.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated XX/XX/XXXX (Page XXX) does not indicate if the borrower declined an escrow account or if the lender does not offer one. - 07/23/2025 Please loe for CD |  | CRED 0091 Missing Tax Transcript(s) - Missing XXXX/XXXX wage and income transcripts for B1/B2. - 07/24/2025 XXXX/XXXX wage and income transcripts for B1/B2 received.<br>|  |
| 900001800 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified employment history - Borrower has been self employed realtor for 4.25 years.; Verified occupancy in subject property - Borrower has owned/occupied subject property for 5 years.; Low DTI - Low DTI of 7.42%.; | CRED 0082 Income Documentation is Insufficient - Missing signed business narrative as required for bank statement loan. - 07/09/2025 EV2/B Investor Acknowledged Exception. -- Email from investor received acknowledging an exception has been granted. |  | APP 0004 Initial 1003 Application is Incomplete - Initial loan application is not signed by borrower or lender, pages xxx/xxxx. Esign Process Summary pgs xxxx-xxxx confirms borrower esigned. - 07/14/2025 Executed initial 1003 received.<br>|  |
| 900001802 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrowers have been employed with same employer for 15 and 7 years respectively.; Verified occupancy in subject property - Borrowers have owned/occupied the subject property for 14 years.; |  |  | TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Recording fees on the final settlement statement do not balance to the CD executed at closing. Settlement statement pg xxx reflects recording fees of ($), CD dated xx/xx/xx reflects ($). Missing final CD for dry funding state that balances to the settlement statement.-- The total amount of Closing Disclosure 10% Category fees ($) increased by more than 10% from the total amount disclosed on the Loan Estimate sent on xxxx-xx-xx, ($). The total amount of fees in this category cannot exceed ($) unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv); 12 CFR 1026.19(f)(2)(v)) <br>|  |
| 900001838 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 732. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 32 months. ; Low DTI - Maximum DTI of 45% with review DTI of 38.89%.; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0092 Estimated Total Minimum/Maximum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) - Final CD dated xx/xx/xx reflects that some property taxes will be escrowed. Program does not offer escrows. Missing PC CD with LOE to borrower explaining reason for change. (Noted that no escrows were established per the final CD. Only open and due property taxes were collected/paid.) - 07/24/2025 Please see attached PCCD. |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. Only the 1008 was provided (pg xxx) - 07/17/2025 Commitment is lender's approval, finding cleared.<br>|  |
| 900001842 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 797. ; Verified reserves - No reserves are required per GL's; however, the cash-out on the CD p.424 shows the borrower has reserves 45 months of reserves.; Low DTI - Maximum DTI of 45% with review DTI of 39.42%.; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated xx/xx/xx pg xxx disclosed Estimates Taxes, Insurance, and Assessments of ($), with Estimated Property Costs over Year 1 of ($). Review calculated Estimates Taxes, Insurance, and Assessments of ($) with Estimated Property Costs over Year 1 of ($). Variance appears to be due to lender excluding the property taxes of ($). \*\* It is also noted that the disclosure does not indicate if the borrower declined an escrow account or if the lender did not offer one. - 07/21/2025 LOE to Borrower attached |  | APPR 0076 Appraisal Discrepancy - (redacted) is not listed on the approved AVM vendors per the GLs p.x. (AVM is an (redacted) AVM with a confidence score of 91 and FSD of .09.) - 07/10/2025 (redacted), a division of (redacted), now includes (redacted) under the name (redacted).<br>APRV 0001 Missing Underwriter Loan Approval - Missing lender loan approval. Used 1008 (Page xx) for DTI information. - Lender loan approval received.<br>|  |
| 900001819 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 804. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 34 months. ; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR on the final Closing Disclosure dated XX/XX/XX decreased more than 0.125% compared to the disclosed APR on CD dated XX/XX/XX. Variance .187%.<br>APR CD XX/XX/XX 8.653%<br>APR CD XX/XX/XX 8.84%<br>- EV2/B Non-Material Benefit to borrower, APR Decreased. |  |  |  |
| 900001861 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 765. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0017 Insufficient Verified Reserves (Number of Months) - Total reserves required per g/l 2 mths / ($), Total reserves verified with cash out proceeds 1.53 / ($). No additional assets were documented in the file. Borrower is short .47/ ($). - 08/05/2025 Current Q1 xxxx 401K statement received.<br>|  |
| 900001807 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 797. ; Low DTI - Maximum DTI of 45% with review DTI of 34.92%.; |  |  | CRED 0093 Credit Documentation is Insufficient - The final 1003 p.xxx show a debt with(redacted) #xxxx with a balance of ($) and payment of ($). The credit report p.xx shows the debt with ($) #xxxx with a balance of ($) and payment of ($). The file is missing documentation to verify the 1003 balance and payment for ($) #xxxx. - 07/15/2025 Soft pull credit report which verifies current payment and balance used by the lender.<br>|  |
| 900001832 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 796. ; Low DTI - Maximum DTI of 45% with review DTI of 17.27%.; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final Cd dated xx/xx/xxxx (Page xxx) does not indicate if the borrower declined an escrow account or if the lender does not offer one. - 07/24/2025 LOX to borrower for the redisclosed attached |  |  |  |
| 900001817 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 723. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 9 months. ; Low DTI - Maximum DTI of 45% with review DTI of 43.10%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001821 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 695.; Low DTI - Maximum DTI of 45% with review DTI of 43.24%.; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 64.54%.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated xx/xx/xx pg xxx does not disclose Estimated Taxes or Insurance on page x. These costs are required to be disclosed regardless of whether impounds were selected. Additionally, the disclosure does not indicate if the borrower declined an escrow account or if the lender did not offer one. - 07/21/2025 see attached letter w/ pccd |  |  |  |
| 900001798 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 747.; Low DTI - Maximum DTI of 45% with review DTI of 40.69%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001827 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 788.; Verified reserves - No reserves are required per GL's; however, the cash-out on the CD p.43 shows the borrower has reserves 24months of reserves.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 37.77%.; Low DTI - Maximum DTI of 45% with review DTI of 27.61%.; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated xx/xx/xx pg xx disclosed Estimated Taxes, Insurance, and Assessments of ($) with Estimated Property costs of ($). Review Calculated Estimated Taxes, Insurance, and Assessments of ($) and Estimated Property costs over 1 yr of ($). - 07/28/2025 attached LOE and PCCD |  |  |  |
| 900001853 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 734.; Low DTI - Maximum DTI of 45% with review DTI of 37.33%.; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 65.58%.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR on the final Closing Disclosure dated xx/xx/xx decreased more than 0.125% compared to the disclosed APR on CD dated xx/xx/xx. Variance .684%.<br>APR CD xx/xx/xx 8.863%<br>APR CD xx/xx/xx 9.547%<br>Change benefitted borrower - EV2 - EV2/B Non-Material APR Decreased, benefit to borrower. |  | CRED 0082 Income Documentation is Insufficient - Missing documentation to verify the borrower has been self-employed in the same business for the last 2 years and has a minimum of 25% ownership with either a Letter from the CPA / tax preparer (PTIN), regulatory agency, or equivalent. Only a borrower executed narrative was provided. (pg xxx). - 07/30/2025 Documentation to verify borrower has 100% ownership received.<br>TRID 0134 Missing E-Sign Disclosure - No Electronic Consent documentation in file. Also, no disclosure tracking with E-consent confirmation located. - 07/21/2025 Esign disclosure received.<br>|  |
| 900001834 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 716.; Verified reserves - No reserves are required per GL's; however, the cash-out on the CD p.449 shows the borrower has reserves 19 months of reserves.; Low DTI - Maximum DTI of 45% with review DTI of 36.65%.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 48.61%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | DEED 0007 Missing PUD Rider - Missing PUD Rider. Subject is located in a PUD with documentation to verify HOA dues (pg xxx). - 07/21/2025 Corrected Mortgage w/PUD rider received along with letter on intent to re-record.<br>|  |
| 900001868 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history; Verified reserves; |  |  | CRED 0004 Back-end Ratio exception (DTI)<br>CR 0014 Missing P&L<br>CRED 0087 Tax Returns/Transcripts are Insufficient<br>CRED 0082 Income Documentation is Insufficient<br>CRED 0093 Credit Documentation is Insufficient<br>|  |
| 900001852 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 722.; Verified reserves - Required 2 months of reserves with verified liquid assets of 4 months. ; Low DTI - Maximum DTI of 45% with review DTI of 42.29%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0082 Income Documentation is Insufficient - Missing xxxx W2 or Wage & Income transcript for current employer St Christopher's Clinics. VVOE verifies start date of xx/xx/xx. - 07/15/2025 Cleared per lender response. No reported income in xxxx.<br>|  |
| 900001854 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 775. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 64 months. ; Low DTI - Maximum DTI of 45% with review DTI of 6.59%.; Disposable Income - The loan has residual income of ($) monthly.; | GIDE 0001 Guideline Exception(s) - Borrower(s) on the first mortgage note are not the same as the borrower(s) on the second mortgage note. There is a lender acknowledged exception as noted by email chain in the file pgs xxxx-xxxx. Missing investor acknowledgment of exception. - 07/17/2025 Attached LRP approved exception<br>TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - CD xx/xx/xxxx APR 9.619%<br>CD xx/xx/xxxx APR 9.474%<br>Reduction 0.145%<br>- EV2/B Non-Material APR decreased, benefit to borrower. |  |  |  |
| 900001825 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 816.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 47 months. ; Low DTI - Maximum DTI of 45% with review DTI of 41.40%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001828 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 738. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 31 months. ; Low DTI - Maximum DTI of 45% with review DTI of 34.53%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | APRV 0001 Missing Underwriter Loan Approval - Missing lender internal loan approval. 1008 pg x was not executed by the UW. - 07/17/2025 Lender loan approval received.<br>|  |
| 900001835 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 771.; Low DTI - Maximum DTI of 45% with review DTI of 34.88%.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 63.35%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001856 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 724.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 21 months.; Low DTI - Maximum DTI of 45% with review DTI of 29.22%.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 59.08%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | APPR 0052 Final Reconciled Value is greater than original value used to calculate LTV/CLTV. - The 1008 and approval both show value used is ($). This amount appears to be the stated value per the initial application. AVM returned value of ($). Zillow estimate in file reflects value of ($). No indication as to why the stated value was used for LTV/CLTV. - 07/21/2025 Updated 1008 received reflecting value of ($) w/LTV/CLTV of 10.77/54.26%.<br>|  |
| 900001824 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 793. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 71 months. ; Low DTI - Maximum DTI of 45% with review DTI of 19.11%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001830 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 751.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 8 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 68.74%.; Low DTI - Maximum DTI of 45% with review DTI of 41.81%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001831 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 778. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 26 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.99%. ; Low DTI - Maximum DTI of 45% with review DTI of 22.16%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing xxxx Wage & Income transcript - 07/21/2025 xxxx Wage & Income transcript received.<br>|  |
| 900001837 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 723.; Verified reserves - Required 2 months of reserves with verified liquid assets of 26 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 64.66%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.35%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001850 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 718. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 13 months. ; Low DTI - Maximum DTI of 45% with review DTI of 41.55%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001867 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 764.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 27 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 65.34%. ; Low DTI - Maximum DTI of 45% with review DTI of 39.46%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0091 Missing Tax Transcript(s) - GL's p.x require wage and income transcripts for the year(s) of qualifying income. The file contains the W2's for (years) for both borrowers and the IRS W2 transcript for (year) for both borrowers. The file is missing the IRS W2 transcripts for (year) for both borrowers. - 08/15/2025 Finding is cleared with the attached (year) wage transcripts.<br>APPR 0020 Missing Property Condition - Missing the PCI to verify property condition. - 08/04/2025 Property Condition Report provided with average condition note. Finding cleared.<br>|  |
| 900001826 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 779.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 39 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 72.85%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.06%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | ROR 0004 Right of Rescission is not executed by Title Holder(s) - Missing ROR for non-borrowing title holder. - 07/24/2025 Executed ROR received.<br>|  |
| 900001829 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 712.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 2 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 65.75%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.28%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0137 Missing W2(s) - Missing xxxx W2's or Wage & Income transcripts for B1/B2. - 07/25/2025 xxxx Wage & Income transcripts for B1/B2 received.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for CD dated xx/xx/xx, Discount fee increased by ($) - from (redacted) to (redacted). No valid COC or lender cure noted in loan file. - COC received, finding cleared upon re-submission.<br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Recording fee increased by ($) - from ($) to ($). Increase exceeds the 10% tolerance allowed. \*\* Final review is pending receipt of the final settlement statement to verify final fees for dry funding state. - Final settlement statement and final CD based on actual charges at closing received. Finding cleared upon re-submission with final docs.<br>TRID 0123 Missing Evidence of Re-disclosure and a valid COC for the total amount of the 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. <br>HUD 0001 Missing Final HUD-1 - Missing copy of the final settlement statement to verify final fees for dry funding state. - 07/25/2025 Final settlement statement received.<br>|  |
| 900001839 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 789. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 15 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 78.43%. ; Low DTI - Maximum DTI of 45% with review DTI of 35.49%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001840 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 728.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 44 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 66.21%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.65%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0006 Missing Employment doc (VVOE) - Missing 3rd party verification of B2 2nd business (Sch C Educational Services) - 07/24/2025 Finding Cleared, TPR error. Sch-C income was not used to qualify. <br>|  |
| 900001843 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 765. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 44 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 47.55%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.94%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001847 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 728.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 14 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 47.55%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.80%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0137 Missing W2(s) - Missing xxxx W2. (xxxx Wage & Income transcript may be accepted in lieu of the W2) - 07/23/2025 xxxx Wage & Income transcript received.<br>CRED 0091 Missing Tax Transcript(s) - Missing xxxx Wage & Income transcript. - 07/23/2025 xxxx Wage & Income transcript received.<br>|  |
| 900001820 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 700.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 40 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 62.33%. ; Low DTI - Maximum DTI of 45% with review DTI of 28.73%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | TXEQ 0011 Fair Market Value Disclosure not provided or executed by Title Holders or Lender - Fair Market Value Disclosure not provided or executed by Title Holders or Lender (pg XXX) - 07/28/2025 Fully executed Acknowledgment of Fair Market Value received.<br>TXEQ 0001 Notice Concerning Extension of Credit Disclosure is Missing - Missing executed Notice Concerning Extension of Credit (TX 50 (a)(6)) disclosure dated w/in 12 business days of the Note date XX/XX/XX. Unexecuted disclosures are in file on page XXX and XXX. - 07/24/2025 12 day disclosures executed XX/XX/XX received.<br>|  |
| 900001822 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 689.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 20 months.; Low DTI - Maximum DTI of 45% with review DTI of 28.56%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001845 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 708.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 7 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 72.14%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.71%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001857 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 693.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 15 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 66.94%. ; Low DTI - Maximum DTI of 45% with review DTI of 36.11%.; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0148 LE or CD is Deficient - Final CD dated xx/xx/xx does not indicate if the lender did not offer an escrow account or if the borrower declined it. - EV2/B Non-Material |  |  |  |
| 900001844 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 782.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 16 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 65.80%. ; Low DTI - Maximum DTI of 45% with review DTI of 36.22%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001887 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 770.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 34 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 56.75%. ; Low DTI - Maximum DTI of 45% with review DTI of 39.48%.; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated xx/xx/xx does not any disclosed estimated taxes, insurance, and assessments or the Estimated Property Costs over Year 1. Review calculated estimated taxes, insurance, and assessments of ($) with Estimated Property Costs over Year 1 of ($) (Taxes ($) per yr/ ($), Insurance ($) / ($)) Additionally the CD does not indicate if the borrower declined the escrow account or if the lender does not offer one. (1st lien is not escrowed) - 08/08/2025 LOX,PCCD |  |  |  |
| 900001876 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 70.47%. ; Disposable Income - The loan has residual income of ($) monthly.; | CRED 0004 Back-end Ratio exception (DTI) - Review DTI of 45.16% exceeds the max allowed of 45%. The Gap credit report reflects a new debt, (creditor) with a balance of ($), no payment and noted as deferred. Review used a payment of ($) which increased the DTI from 44.64% to 45.16%. The loan does not meet the GL criteria for a 50% DTI as the FICO of 687 is below the required 720 score. - 08/11/2025 EV2/B - Investor Acknowledged Exception. |  |  |  |
| 900001882 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 770.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 31 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 67.37%. ; Low DTI - Maximum DTI of 45% with review DTI of 21.12%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001865 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 724.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49%. ; Low DTI - Maximum DTI of 45% with review DTI of 40.25%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0082 Income Documentation is Insufficient - Missing confirmation from employer if the borrower has returned to work full-time. If borrower has not returned is there an anticipated date? All of the May Pay stubs provided reflect that the borrower is currently receiving Short Term Disability and using PTO. Per FNMA - If the borrower will return to work as of the first mortgage payment date, the lender can consider the borrower's regular employment income in qualifying. If the borrower will not return to work as of the first mortgage payment date, but is able to qualify using the lesser of the borrower's temporary leave income (if any) or regular employment income, that "lesser of" income amount must be used. \*\* Final income calculation is pending. Note if borrower is still on leave a breakdown from the employer will be required to break all YTD income as the WVOE does not explain the "Other". - 08/07/2025 Experian policy received confirming that the borrower is active and not on leave per their reporting.<br>CRED 0093 Credit Documentation is Insufficient - Missing Updated Softpull to verify final balances and accounts as referenced on the final 1003 and CD payoffs. - 07/30/2025 Soft pull report dated xx/xx/xx received. Liabilities updated.<br>HUD 0001 Missing Final HUD-1 - Missing copy of the final settlement statement to verify the actual disbursement date. CD in file dated xx/xx/xx reflects disbursement date of xx/xx/xx which is prior to the ROR expiration date. - 08/04/2025 PCCD and LOE provided reflecting disbursement date of xx/xx/xx, post rescission expiration. Finding resolved.<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Final CD in file dated xx/xx/xx shows a disbursement date of xx/xx/xxxx - while Right to Cancel signed by co-borrower has a rescission end date of midnight on xx/xx/xx. - 07/30/2025 Final settlement statement received reflecting the actual disbursement date of xx/xx/xx.<br>|  |
| 900001846 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 729. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 35 months. ; Low DTI - Maximum DTI of 45% with review DTI of 42.63%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | TXEQ 0007 Loan cannot close during 12-day cooling off period - Loan file does not contain TX50(A)(6) disclosure prior to closing date of xx/xx/xxxx. Early disclosure required at least 12 days prior to closing. - 07/30/2025 Disclosure executed by borrowers on xx/xx/xx received.<br>|  |
| 900001851 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 752. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 25 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 71.07%. ; Low DTI - Maximum DTI of 45% with review DTI of 39.98%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001860 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 810. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 27 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 72.23%. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0082 Income Documentation is Insufficient - Missing xxxx Wage & Income transcripts. - 08/05/2025 xxxx Wage & Income transcripts received.<br>|  |
| 900001883 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 749. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 22 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 64.73%. ; Low DTI - Maximum DTI of 45% with review DTI of 31.52%.; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR on the Final CD dated xx/xx/xxxx decreased more than 0.125 compared to the disclosed APR on CD dated xx/xx/xxxx. Variance 0.213<br>APR on xx/xx/xx CD - 9.694%<br>APR on xx/xx/xx CD - 9.481%<br>Grade - EV2 - EV2/B Non-Material, APR decreased, benefit to borrower. |  | NMLS 0011 NMLS IDs do not match - Loan Officer name and NMLS ID on the final 1003 pg xx does not match the NMLS on the Initial 1003 (pg x) and Final CD ###### (pg xx), Note xx, Mortgage of ######. No explanation from lender provided. - 08/08/2025 Corrected 1003 received.<br>|  |
| 900001858 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 770. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 29 months. ; Low DTI - Maximum DTI of 45% with review DTI of 41.99%.; Disposable Income - The loan has residual income of ($) monthly.; | CRED 0083 Asset Documentation is Insufficient - The final 1003 p.xx assets in checking and savings with balances of ($) and ($) respectively. The file is missing documentation to verify the assets reflected on the final signed 1003 or a corrected final 1003 removing the assets. - EV2/B - Mon-Material, cash out proceeds provide sufficient assets to meet the reserves requirement of 2 mths. |  |  |  |
| 900001836 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 766. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 28 months. ; Low DTI - Maximum DTI of 45% with review DTI of 40.57%.; Disposable Income - The loan has residual income of ($) monthly.; | CRED 0083 Asset Documentation is Insufficient - The final signed 1003 p.xxx lists an asset of ($) in checking account xx with no bank name provided. The file does not contain any asset documents for this cash-out loan. - EV2/B Non-Material, Cash Out proceeds used to meet reserves requirement. |  |  |  |
| 900001849 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 783. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 15 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49.68%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.42%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001833 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 798. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 44 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 53.13%. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001855 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 757. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 24 months. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001886 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 763. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 20 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 57.43%. ; Low DTI - Maximum DTI of 45% with review DTI of 36.32%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing the IRS Wage and Income transcripts for xxxx and xxxx for both borrowers. - 08/07/2025 Transcripts received.<br>|  |
| 900001869 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 23 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 42.79%. ; Low DTI - Maximum DTI of 45% with review DTI of 22.45%.; Disposable Income - The loan has residual income of ($) monthly.; None; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing the IRS Wage and income transcripts for xxxx for the co-borrower. - 08/05/2025 xxxx Wage and income transcripts for co-borrower received.<br>|  |
| 900001872 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 741. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 3 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.66%. ; Low DTI - Maximum DTI of 45% with review DTI of 43.50%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | DEED 0007 Missing PUD Rider - Missing the PUD rider. - 08/07/2025 Executed PUD Rider received.<br>TXEQ 0001 Notice Concerning Extension of Credit Disclosure is Missing - Missing executed Texas 50(a)(6) Notice Concerning Extension of Credit. Disclosure is required at least 12 days prior to closing date of xx/xx/xx. - 08/07/2025 Texas 50(a)(6) Notice Concerning Extension of Credit executed xx/xx/xx received.<br>TXEQ 0019 Missing TX Home Equity Affidavit and Agreement - Missing the executed TX Home Equity Affidavit and Agreement. - 08/07/2025 Executed TX Home Equity Affidavit and Agreement received.<br>|  |
| 900001877 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 760. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 24 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 63.55%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.55%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001889 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 790. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 5 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 77.10%. ; Low DTI - Maximum DTI of 45% with review DTI of 38.45%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001885 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 713. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 25 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 71.15%. ; Low DTI - Maximum DTI of 45% with review DTI of 34.59%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001870 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 755. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 34 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 69.02%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.44%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001871 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 739. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 22 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 51.82%. ; Low DTI - Maximum DTI of 45% with review DTI of 29.51%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | TITL 0013 Title Policy - Schedule A Exception - Title Commitment is missing Legal Description (Page xxx-xxx). - 08/07/2025 Complete copy of the preliminary title received.<br>|  |
| 900001894 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 715. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 35 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80.52%. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  | APP 0001 Missing Final 1003 Application - Missing Final executed 1003 Application. - 08/08/2025 Final executed 1003 received.<br>CRED 0072 VVOE dated outside of required timeframe - Missing re-verification of employment for B1/B2 dated w/in 10-days of the Note date (date). - 08/08/2025 Re-verifications for B1/B2 completed (date) received.<br>HUD 0028 Loan Disbursement Date and Interest From on HUD do not match - Missing all CD's. Only the initial CD dated (date) was in the file. Final Compliance submission pending. - Final CD executed by the borrower (date) received.<br>TRID 0188 Missing proof that all title holders received a copy of the Final CD at or prior to closing - Missing NPS executed CD. Only the initial CD dated (date) was in the file. Final Compliance submission pending. - 08/12/2025 Finding is cleared with the attached final CD executed by NBS, (name). Borrower signed CD provided via stip presentment HUD 0028.<br>|  |
| 900001862 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - 693 Fico w/a minimum requirement of 680.; Low LTV/CLTV/HCLTV - 62.74% CLTV w/a max allowed of 75%.; | TRID 0148 LE or CD is Deficient - Final CD dated xx/xx/xx does not indicate if the borrower declined an escrow account or if one was not offered. - EV2/B Non-Material |  | APRV 0001 Missing Underwriter Loan Approval - Missing loan approval. (1008 pg xx is not executed) - 08/05/2025 UW executed 1008 received.<br>NOTE 0060 Scrivener's Error - Incorrect property address is reflected on the Note pg xxx. <br>- 08/04/2025 Rebuttal provided accepted as legal description aligns to subject property across all documents. Finding resolved.<br>|  |
| 900001875 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 715. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 5 months. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001873 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 772. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 10 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80%. ; Disposable Income - The loan has residual income of ($) monthly.; | GIDE 0001 Guideline Exception(s) - LENDER ACKNOWLEDGED EXCEPTION— the husband being on this loan while both the husband and wife are on the first mortgage. Lender acknowledged exception on pages x and x with LRP approving the exception request. GL p.x states exceptions are considered on a case-by-case basis when compensating factors exist to offset the risk. Prior approval from LRP is required. GL p.x states borrower(s) on the first mortgage note must be the same as the borrower(s) on the second mortgage note (exceptions considered on a case-by case basis). - EV2/B Lender Acknowledged Exception |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Missing Exhibit A to the Mortgage. - 08/08/2025 Complete copy of the mortgage received.<br>CRED 0004 Back-end Ratio exception (DTI) - Review DTI of 45.89% exceeds the max allowed of 45%. Variance is due to lender excluding ($) payment to SST. Per the credit report the balance is ($) which 12.41 mths remaining. - 08/08/2025 Cleared, TPR error. Verification account was paid in full in file pg xxx.<br>|  |
| 900001859 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 3 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 78.66%. ; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - HOA disclosed on CD and 1008 of ($) is less than the verified HOA dues as documented on the monthly statement of ($). Borrower's are paying an RV storage fee of ($) per the statement. Review calculated Estimated Taxes, Insurance, and Assessments ($) with Estimated costs over 1 year of ($) (11 mths). - EV2/B - Finding downgraded with the attached PCCD and corresponding cover letter. US Mailbox Rule applied. |  | TXEQ 0011 Fair Market Value Disclosure not provided or executed by Title Holders or Lender - Fair Market Value disclosure is not executed by the Lender. - 08/12/2025 Recd lender executed Acknowledgment of Fair Market Value of Homestead Property.<br>NOTE 0064 Non Standard Agency Form Type payments are not applied on the scheduled due date - Note does not stipulate payments will be applied on the scheduled due date. Payments paragraph of Note could be interpreted as Daily Simple Interest (DSI). Investor Acknowledgment Required. (Sent to Investor 08/07/25) - 08/14/2025 Note format does not present a definitive violation of 50(a)(6), cleared.<br>|  |
| 900001863 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 743. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 20 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 71.80%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.87%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0122 Missing copy of green card for permanent resident alien. - 1003s reflect B2 is a Permanent Resident Alien. Residency documentation was not documented in file. - 08/18/2025 Recd corrected 1003 with change initial by the borrower to evidence acknowledgment of the change.<br>|  |
| 900001930 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 705. ; Low DTI - Maximum DTI of 45% with review DTI of 42.62%.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49.49%. ; | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC or General Credit for increase in Loan Discount Fee on CD issued (redacted). Final HUD and CD post disbursement are not in file.(Loan amount did change) -- - EV2/B - Finding is downgraded with the attached PCCD, cover letter, copy of refund check (redacted), and courier receipt to evidence delivery to borrower was completed within 60 days of consummation. |  | APRV 0001 Missing Underwriter Loan Approval - Approval is not in file (1008 Page x). - 08/13/2025 Finding is cleared with the attached Underwriting Conditional Approval. <br>TRID 0124 Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure 10% Category fees ($) that increased by more than 10% from the amount disclosed on the prior Loan Estimate or Closing Disclosure. - Missing COC or General Credit for increase in Recording Fee on CD issued (redacted). Final HUD and CD post disbursement are not in file. (Loan amount did change) -- - 08/27/2025 Finding is cleared with the attached dry funding (final) CD and corresponding final settlement statement.<br>TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. <br>|  |
| 900001866 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 737. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 26 months.; Low DTI - Maximum DTI of 45% with review DTI of 42.96%.; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 74.01; |  |  |  |  |
| 900001878 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 736. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 19 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.86%. ; Low DTI - Maximum DTI of 45% with review DTI of 43.49%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001879 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 2 months reserves or ($) required, borrower is receiving 30.94 months or ($) in cash out proceeds.; Verified credit history - FICO 758, minimum required 700; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material |  |  |  |
| 900001908 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 820. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 34 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 65.55%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.01%.; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final Compliance review is pending verification of the subject HOA dues. - 09/02/2025 Please see attached<br>CRED 0133 HOA Payment is not verified - Missing verification of subject HOA fees. 1008 reflects payment of ($) was used to qualify. (HOA statement in file pg xx is not for the subject property). - 08/26/2025 Please see attached |  | PROP 0003 Missing Required Property Inspection - Missing exterior property condition inspection report with photos. PCI must indicate average condition or better. - 08/25/2025 Exterior PCI received. Condition noted as Good.<br>|  |
| 900001898 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 782. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 38 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 63.96%. ; Low DTI - Maximum DTI of 45% with review DTI of 36.57%.; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Initial CD issued and received (date) with an APR of 8.494%. <br>Final CD issued (date) and received (date) with an APR of 8.119%. - EV2/B Non-Material -- APR Decreased, benefit to borrower. |  | CR 0002 Credit Report is Incomplete - Missing updated pre-close credit report. Final 1003 reflects 4 updated liabilities and indicates a new debt with (creditor) from the soft pull with a balance of ($) and payment of ($). The file contains a credit report dated (date) and a statement from (creditor, #) which shows a zero balance and payment. Final DTI review pending. - 08/12/2025 Finding is cleared with the attached pre-close credit report. Final DTI < 3% variance from the approved DTI.<br>|  |
| 900001901 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 736. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 5 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.86%. ; Low DTI - Maximum DTI of 45% with review DTI of 27.25%.; Disposable Income - The loan has residual income of ($) monthly.; None; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Variance of ($) per month. 1008 (Page x) shows taxes paid per month as ($). Calculated taxes are ($) per month (Page x, x).<br>Final CD dated xx/xx/xx pg x disclosed Estimated Taxes, Insurance, and Assessments of ($) with Estimated Property Costs over Year 1 of ($) (x mths). Review Calculated Estimated Taxes, Insurance, and Assessments of ($) with Estimated Property Costs over Year 1 of ($). Variance is in the subject taxes. - 08/20/2025 Sorry, forgot to attach |  | CRED 0093 Credit Documentation is Insufficient - The file contains a LOE for an inquiry with Citi Cards CBNA (date) which shows a new account was opened with a zero balance. The file is missing documentation such as a credit supplement or account statement to verify the terms of the new debt. - 08/15/2025 Finding is cleared with the attached PreClose Credit Report reflecting new tradeline with ($) balance.<br>|  |
| 900001902 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 70.94%. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0093 Credit Documentation is Insufficient - Missing lender explanation for the subject transaction. A HELOC was completed (date), first payment (date). Subject loan closed (date). Per the CD lender paid all closing costs.&nbsp;&nbsp;&nbsp;&nbsp; - 08/18/2025 08/18/25 Recd from lender: The reason for the refinance is because the original loan was a high-cost loan and didn't meet guidelines. <br>We are refinancing the borrower out of the original loan and into new loan covering the closing costs and lowering the borrower's interest rate due to our error on the original transaction. <br>FLOOD 0005 Insurance Premiums must be escrowed in accordance with HFIAA - Missing copy of 1st lien mortgage statement to confirm flood is escrowed. - 08/25/2025 1st lien mortgage statement located in file pages 175-176.<br>|  |
| 900001880 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 728. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 64.90%. ; Low DTI - Maximum DTI of 45% with review DTI of 43.76%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001881 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 766. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 37 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49.99; Low DTI - Maximum DTI of 45% with review DTI of 41.02%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | NOTE 0059 NMLS IDs do not match - Note and Mortgage includes a Broker (Company) NMLS number of (number), however, no broker is noted per the Application or CD(s).<br>- 08/18/2025 TPO completed NMLS search that confirms NMLS ID (number) corresponds with the lender. <br>|  |
| 900001890 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 783. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 20 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 47.35%. ; Low DTI - Maximum DTI of 45% with review DTI of 40.37%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001915 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects two open mortgages satisfactorily rated (redacted) and (redacted) months.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed for DTI up to (redacted).; | GIDE 0001 Guideline Exception(s) - Investor acknowledged exception for DTI 50% w/ residual income < (redacted).<br>- EV2/B - Investor Acknowledged Exception.<br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated (redacted) indicates that the loan has an escrow account when it is not escrowed. - 08/14/2025 PC CD |  | CRED 0097 Missing Verification of Liability (Contingent or Otherwise) - Missing credit supplement to document the current balance and payment due on (redacted). The liability was to be paid at closing, but the payment of (redacted) < (redacted) current balance as per the supplemental report. Review calculated the payment using current balance (redacted). DTI > 50% Max Allowed using the full payment from the supplemental report. - 08/27/2025 Finding is cleared with the attached credit supplement reflecting $0 balance / $0 due reporting thru (redacted). Note - last payment of (redacted) appears to be a typo of (redacted) as the funds disbursed (redacted).<br>TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. - Duplicate of 0195<br>TRID 0134 Missing E-Sign Disclosure - E-Sign Disclosure is not in file. Tracking is not in file. - 08/11/2025 Finding is cleared with the attached borrower accepted eConsent.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Post Closing CD issued (redacted) adds a (redacted) credit check fee to section B. It is paid to the Title Company. Reviewer cannot verify the fee was part of the title fees borrower shopped for due to being placed in section B. -- - 08/14/2025 PC CD<br>|  |
| 900001864 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score 747 > 680 Minimum Required.; Verified housing payment history - Credit Report reflects 2 open mortgages satisfactorily rated 47 and 30 months.; Low LTV/CLTV/HCLTV - 72.62% CLTV < 80% Max Allowed.; |  |  | CRED 0093 Credit Documentation is Insufficient - Missing borrower signed Authorization to Close Line of Credit. - 08/18/2025 Recd borrower signed Authorization to Close Line of Credit.<br>|  |
| 900001884 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - 746/744 Middle Credit Scores > 700 Minimum Required.; Verified housing payment history - Credit report reflects 1 open mortgage and 1 open HELOC satisfactorily rated 51 and 73 months respectively.; Low LTV/CLTV/HCLTV - 62.55% CLTV < 75% Max Allowed for Rural Property.; | PROP 0002 Property Type is prohibited - Investor acknowledged exception in file for rural property. - EV2/B - Investor Acknowledged Exception. |  |  |  |
| 900001888 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 731. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 9 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 74.88%. ; Low DTI - Maximum DTI of 45% with review DTI of 40.08%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001997 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - B1 credit report reflects (redacted) open mortgages, one with B2 satisfactorily rated (redacted) months and the other (redacterd) months.; Verified credit history - (redacted) Middle Credit Scores ; | APP 0004 Initial 1003 Application is Incomplete - Missing B2 signed Initial Application. - 08/28/2025 signed by LO |  | TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - Lender paid state tax decreased on CD issued (redacted). Loan is not a (redacted) transaction. Unable to verify if tax paid by lender is required. -- - 08/28/2025 Agree with lender response, corrected system. Finding cleared upon re-submission.<br>CRED 0082 Income Documentation is Insufficient - Missing evidence of (redacted) months receipt of tenants share of rent of (redacted). Only (redacted) of (redacted) verified. Review used (redacted) rent of documented (redacted) of (redacted).-- Per guidelines, If rental income is being used in addition to bank statement income then it must be documented with a current lease agreement and the most recent (redacted) months receipt. - 08/21/2025 Confirmed lender only used (redacted) share of rent to qualify, thus no additional documentation needed for tenant share not considered.<br>DEED 0021 Missing Legal Description on Mortgage/DOT - Legal Description is not attached to or contained within Mortgage. - 08/19/2025 Recd completed copy of the recorded mortgage.<br>TRID 0148 LE or CD is Deficient - The Escrow indicators are marked yes on (redacted)of the final CD, but the second lien is not escrowed. - 08/21/2025 Agree, two CD's issued (redacted). The CD with the latest timestamp reflects no escrows.<br>HAZ 0004 Hazard Insurance Coverage Amount is Insufficient - Missing insurers replacement cost estimate. EOI does not reflect replacement cost coverage. Dwelling Coverage (redacted) < (redacted) Total Combined Loan Amount and (redacted) of Cost New Per Appraisal of (redacted). - 09/05/2025 CoreLogic RCE received reflecting replacement cost of (redacted) received. HOI Coverage (redacted). Coverage exceeds replacement cost.<br>TITL 0003 Title Issue affecting Lien Position - Certificate of Title reflects an additional existing mortgage (redacted) in the amount of (redacted), which appears to be a loan from (redacted) for energy efficiency and renewable energy projects. Verification of Mortgage was not provided in file. - 08/21/2025 Recd email confirmation from title agent that the final title report has 2 mortgages listed on the mortgage schedule within the report. Included is a copy of the Certificate of Title without the (redacted) mortgage listed.<br>GIDE 0001 Guideline Exception(s) - Missing letter of explanation addressing the source of large deposit posted (redacted) in the amount of (redacted). The (redacted) months bank statements do not reflect a history of regular deposits; Transactions consist of (redacted)Deposits, (redacted) Payments, Wire Transfers and Remote Deposits. DTI > (redacted)% with the large deposit excluded. -- Per guidelines, Ineligible deposits include but are not limited to:<br>Transfers from other borrower bank accounts (except business to personal),<br>Refunds (e.g., tax refund),<br>Payroll deposits from other income sources,<br>Advances and or loan proceeds,<br>Unexplained large deposits, and<br>Any recognizable non-business-related deposit. - 09/25/2025 EV2/B - Investor Acknowledged Exception, DTI (redacted) > 45% Max with unsourced deposit excluded. - Finding reviewed and cleared. DTI < (redacted) with installment tradeline < (redacted) remaining and duplicate (redacted) tradeline excluded.<br>|  |
| 900001944 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 779. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 31 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 49.64%. ; Low DTI - Maximum DTI of 45% with review DTI of 43.02%.; Disposable Income - The loan has residual income of (4) monthly.; |  |  | TRID 0015 Prior Loan Estimate Received Date and Consummation Date - LE issued xx/xx/xxxx was received on xx/xx/xxxx(Sunday) per the disclosure tracking xxx. The final LE must be received at least 4 business days prior to consummation date. Loan transaction date is xx/xx/xxxx. - 09/05/25 Copy of LE dated/executed xx/xx/xxxx received.<br>TRID 0022 Last Loan Estimate Received Date and Consummation Date - Last LE dated xx/xx/xxxx was not viewed or esigned by the borrower until xx/xx - LE dated xx/xx/xx esigned xx/xx/xx received.<br>|  |
| 900001917 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 712. ; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 64.11%. ; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated xx/xx/xx (Page xxx) does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-Material<br>GIDE 0001 Guideline Exception(s) - Review calculated DTI of 45.38% exceeds the max allowed of 45%. Variance is due to lender utilizing taxes from the 1st lien mortgage statement vs current actual verified taxes and insurance. Borrower does not qualify for extended DTI up to 50% as the fico is less than 720. - 08/25/2025 EV2/B Investor Acknowledged Exception - Email received from LRCP confirming DTI exception has been approved. |  |  |  |
| 900001933 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of (redacted). ; Verified reserves - Required 2 months of reserves with verified liquid assets of (redacted) months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted).; Low DTI - Maximum DTI of 45% with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  |  | TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for CD dated (redacted) for the increased points. Fee increased from ($) to ($). - 09/09/2025 - Recd rate sheet confirming par rate and cost to borrower. Supporting documentation - Lock Confirmation dated (redacted), Par Rate 10.125 pg x, Lock Agreement pg xx.<br>|  |
| 900001899 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 768. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 55 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 80% with review CLTV of 69.73%. ; Low DTI - Maximum DTI of 45% with review DTI of 26.72%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | TRID 0137 Cannot Reconcile LE / CD Versioning - Initial CD issued (date) is incomplete. Missing Pages x and x of disclosure. - 08/18/2025 Finding is cleared with the attached copy of the initial CD.<br>|  |
| 900001874 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 691.; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 6 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 55.70%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.74%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001920 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - 716/705 Middle Credit Scores > 700 Minimum Required.; Verified housing payment history - Credit report reflects 1st and 2nd mortgages satisfactorily rated 23 and 33 months respectively.; Low DTI - DTI 31.31% < 45% Max Allowed.; | TRID 0148 LE or CD is Deficient - Escrow account section on page x of the CD does not indicate whether the borrower declined an escrow account or if the lender did not offer one. - 08/13/2025 EV2/B - Non Material |  | CRED 0017 Insufficient Verified Reserves (Number of Months) - Less than 1 month reserves documented with cash out loan proceeds < 2 months required for CLTV > 75%. No documented assets in file. 1008 indicated no reserves required. - 08/19/2025 Recd updated AUS submission #x, no reserves required. Per agency, if the lender has documented sufficient liquid assets to cover the actual amount of assets required to close the transaction, no resubmission required Otherwise, loan casefile must be resubmitted to DU.<br>APRV 0003 Missing Loan Approval Date - Missing loan approval / underwriting decision. Only 1008 provided in file. - 08/14/2025 Recd Underwriting Decision.<br>|  |
| 900001918 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Credit report reflects 1st lien satisfactorily rated 35 months.; Verified credit history - Middle Credit Scores (redacted) > 680 Minimum Required.; Low DTI - Approved DTI (redacted) < 45% Max Allowed.; |  |  | APRV 0003 Missing Loan Approval Date - Missing lender loan approval / UW decision. Only the 1008 was provided in file. - 08/21/2025 Recd underwriting conditional approval.<br>|  |
| 900001893 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score 766/753 > 680 Minimum Required.; Verified housing payment history - Credit report reflects 1 open mortgage satisfactorily rated 54 months.; Low LTV/CLTV/HCLTV - 37.53% CLTV < 85% Max Allowed.; Low DTI - DTI 37.84% < 45% Max Allowed.; |  |  |  |  |
| 900001934 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 711. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 3 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 82.96%. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0004 Back-end Ratio exception (DTI) - Missing student loan documentation to verify the actual monthly payment is ($). The credit report reflects (redacted) xxxx with balance of ($) with no payment listed. Review used a 1% payment of ($) which increased the DTI from 36.631% to 61.52%. Lender to provide student loan documentation to verify the actual monthly payment is ($). -- Fannie Mae GL B3-6-05 states: If the credit report does not provide a monthly payment for the student loan, the lender must determine the qualifying monthly payment using one of the following options. 1. If the borrower is on an income-driven payment plan, the lender may obtain student loan documentation to verify the actual monthly payment is $0. The lender may then qualify the borrower with a $0 payment. 2. For deferred loans or loans in forbearance, the lender may calculate a payment equal to 1% of the outstanding student loan balance (even if this amount is lower than the actual fully amortizing payment), or a fully amortizing payment using the documented loan repayment terms. - 09/10/2025 Per FNMA payment may be omitted as borrower is on an income driven plan and ($) payment verified per letter. <br>|  |
| 900001919 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score 711 > 700 Minimum Required.; Verified housing payment history - The credit report reflects 2 mortgages satisfactorily rated 14 and 59 months.; | CRED 0093 Credit Documentation is Insufficient - Missing verification of new loan terms for concurrent refinance of 1st lien, New (redacted) (redacted). Final DTI / CLTV calculation is pending receipt of verification of mortgage. Loan file does not contain any documentation for the new loan. CLTV is indicated to increase to 80% as per 1008. Payoff provided (pg xxx, xx, xxx). Per guidelines, Copy of first mortgage note or billing statement (if contains terms of Note) must be included in the loan file. - 08/19/2025 CD and Note<br>CRED 0138 Missing CPA Letter - Missing PTIN verification for tax preparer, (redacted) - 08/19/2025 PTIN verification for tax preparer |  | CRED 0044 Unacceptable transaction type - Missing investor acknowledgement of lender approved exception for concurrent refinance of 1st lien (pg xxx, xxx, xxx, xx, xxx). Per guidelines, Ineligible Transactions: Purchase and concurrent refinance. - 08/20/2025 Recd response from investor, we permit concurrent refinances for (redacted), no exception. Investor overlay for lender on file, thus exception is cleared.<br>CR 0011 Missing Evidence of Ownership of Free and Clear Property - Missing evidence REO, (redacted), is owned free and clear. Balloon Mortgage matures (redacted) (pg xx). Rental income was considered in qualifying. VOM was not provided. NOTE(S): Tax return Schedule E cannot be relied upon to evidence free and clear as the borrower is not reporting mortgage interest from other open mortgage on other REO, (redacted) (pg xxx, xx). Free and clear status cannot be confirmed through the fraud report since the property is vested in the name of an LLC, which is reporting through the Schedule E rental real estate. - 08/19/2025 Recd VOM. Refer to new exception CRED 0004. DTI > 45% Max with the undisclosed mortgage payment considered. The closing disclosure for subject transaction reflects cash in hand to borrower of ($) < outstanding balance of ($). The CD reflects no debts being paid.<br>CRED 0104 Missing Letter of Explanation - Missing letter of explanation as to why the borrowers bank statements, property tax bills, and mortgage billing statements for other REO are being sent to rental REO, (redacted) (pg xx, xx, xx, and xxx). Rental income was considered in qualifying from REO, (redacted). - 08/25/2025 LOE from borrower received.<br>FLOOD 0003 Flood Notice Was Not Executed - Missing evidence of delivery to borrower of the flood notice Flood Notice at least 10 days prior to closing. The flood notice issued xx/xx/xxxx (Page xxx) is not executed by the borrower. Disclosure tracking does not reflect the flood notice as being included in the initial disclosure package. Flood Notice issued xx/xx/xxxx (Page xxx) was executed by borrower at closing. - 08/25/2025 Executed flood notice received.<br>CRED 0096 Missing proof of PITI payment on non-subject property - Missing confirmation from borrower that the following REO do not have insurance policies: <br>(redacted)<br>(redacted)<br>NOTE: Tax return Schedule E real estate cannot be relied upon to confirm no insurance expenses as the borrower is not reporting any insurance expense for REO, (redacted), that is being escrowed (pg xxx, xx, xxx). Mortgage statement escrow payment exceeds tax liability from the fraud report, thus supporting insurance is being escrowed. - 08/18/2025 Borrower attestation located in file pg xx.<br>CRED 0143 Entity Documentation is Insufficient - Missing validation of self-employment, Tourism and Recreation, existence. Per tax preparer the borrower has been filing Schedule C self-employment since xx/xx/xxxx (pg xx), but the Schedule C indicates the business was started or acquired during xxxx. It is noted that the xxxx gross income of ($) is approximately half of xxxx gross income of (4) which supports partial year reporting in xxxx. Self-employment income may not be eligible if the most recent tax return does not reflect a full year (12 months) self-employment income. NOTE: FNMA requires two years tax returns for businesses in existence < 5 years. Only 1 year tax return provided.<br>- 08/25/2025 Updated 1008 and AUS (DU # x) received. Self-employment income was removed. Borrower is qualifying on rental income only. <br>APRV 0003 Missing Loan Approval Date - Missing lender loan approval / UW decision. Only 1008 provided in file. - Recd underwriting decision.<br>CRED 0004 Back-end Ratio exception (DTI) - UPDATED 47.71% DTI > 45% Max % Max with the new payment on the 1st considered.<br>NEW 54.04% DTI > 45% Max Allowed, borrower is not eligible for DTI up to 50%. Recd VOM for non-subject REO (Refer CR 0011). Also provided is the CD for concurrent refinance of 1st lien (Refer CRED 0093).DTI > Max Allowed with P&I payment considered for non-subject REO and new payment on concurrent refinance of 1st lien. - 08/20/2025 Finding is cleared with the CD for concurrent refinance of 1st lien (Refer CRED 0093). <br>|  |
| 900001896 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 712. ; Low DTI - Maximum DTI of 45% with review DTI of 42.35%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001897 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 777. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 38.70%. ; Low DTI - Maximum DTI of 45% with review DTI of 19.09%.; Disposable Income - The loan has residual income of $x monthly.; |  |  |  |  |
| 900001891 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 705. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 8 months. ; Low DTI - Maximum DTI of 45% with review DTI of 40.71%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001895 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 812. ; Verified reserves - No reserves are required; however, the borrowers have reserves with verified liquid assets of 39 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 64.53%. ; Low DTI - Maximum DTI of 45% with review DTI of 39.45%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001910 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 724. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 9 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 23.75%. ; Low DTI - Maximum DTI of 45% with review DTI of 27.90%.; Disposable Income - The loan has residual income of ($) monthly.; | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing copy of the dry funding CD that matches to the final settlement statement. CD signed at closing stated a disbursement date of (date). Final settlement statement states a disbursement date of (date). - 08/22/2025 cure being delivered today |  |  |  |
| 900001924 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 690.; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 3 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 45.18%. ; Low DTI - Maximum DTI of 45% with review DTI of 32.85%.; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR on Final CD dated xx/xx/xxxx decreased more than 0.125% compared to the disclosed APR on the initial CD dated xx/xx/xxxx.<br>Variance of 0.130<br>APR on 08/01/25 CD 8.771%<br>APR on 08/05/25 CD 8.641% - EV2/B Non-Material - APR Decreased, benefit to borrower. |  | CRED 0093 Credit Documentation is Insufficient - The signed final 1003 p.xxx and the 1008 p.x both list an Other payment of ($) as part of the total PITIA for the subject. The file is missing documentation to verify the ($). - 08/25/2025 Cleared per lender response: UW's response: The ($) is added in other in order to make sure the PITI matches the mortgage statement payment. In this case after adding in taxes and insurance to the base P&I payment we were still short($). If you add up the P&I + Ins + Taxes + the ($) you will get the Full PITI payment as per the mortgage statement. We do<br>this on every 2nd mortgage we have. <br>APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - The signed final 1003 p.xxx lists 2 revolving debts that the payments and balances do not match the credit report and no supplement /statement provided. : (redacted) #xxxx with balance of ($) and payment of ($), The credit report p.xx reflects a balance of ($), payment of ($); <br>(redacted) #xxxx with balance of ($) and payment of ($). The credit report p.xx reflects a balance of ($), payment of ($).<br>- EV2/B Non-Material the payments used by the lender were greater than the verified amount per the credit report. - 08/25/2025 Pre-close report verifying updated balances and payments received. <br>|  |
| 900001968 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 16 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 78.59%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.66%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing the IRS Wage and Income transcripts for xxxx and xxxx. - 09/15/2025 xxxx-xxxx Wage & Income transcripts received.<br>|  |
| 900001922 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 84.37%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.94%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | TRID 0129 Missing Initial Closing Disclosure - Loan file does not contain an initial CD - 08/22/2025 Initial and interim CDs received.<br>TITL 0001 Missing Title Evidence - Missing title commitment or final title policy and closing instructions. - 08/21/2025 Agree, per guidelines O&E is acceptable. O&E previously presented x/xx.<br>APP 0001 Missing Final 1003 Application - Missing the final 1003. The file contains the initial 1003 p.x. - 08/21/2025 Recd final 1003.<br>CRED 0083 Asset Documentation is Insufficient - Missing (redacted) 401K quarterly statement covering thru xx/xx/xxxx. The file contains a quarterly statement for (redacted) 401K p.xx which has expired. The Note date is x/xx/xxxx and the 401K statement date is x/xx/xxxx which is xxx days old. The file contains an online printout dated xx/xx/xxxx with only an account balance; however, it does not reflect the account holder name, account number, bank name or transaction history. The subject loan requires 2 months of reserves of ($). The CD is missing to determine if there is sufficient cash out to cover the reserves. If the 401K funds are required for reserves, updated 2 months of statements are needed. - 08/19/2025 Recd final CD (Refer HUD 0001), reserve requirements met with cash received at closing.<br>HUD 0001 Missing Final HUD-1 - The file is missing the Final CD and Settlement statement. - 08/19/2025 Recd closing CD. <br>CRED 0007 Missing Employment doc (VOE) - Missing VOE completed within 10 days of closing. The file contains a WVOE dated xx/xx/xxxx. The Note is dated xx/xx/xxxx. - 08/19/2025 Recd VOE completed within 10 days of closing.<br>TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Missing valid COC for the addition of the Title Services Fee of ($) paid to provider. - 08/22/2025 COC for CD issued xx/xx/xxxx received. Finding cleared upon re-submission w/valid change of circumstance.<br>|  |
| 900001892 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 744. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 39 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 62.81%. ; Low DTI - Maximum DTI of 45% with review DTI of 29.80%.; Disposable Income - The loan has residual income of (redacted) monthly.; |  |  |  |  |
| 900001912 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 42 months. ; Low DTI - Maximum DTI of 45% with review DTI of 39.06%.; Disposable Income - The loan has residual income of (redacted) monthly.; |  |  | APPR 0076 Appraisal Discrepancy - The appraisal was completed As-is. However, the photos on pages xxx and xxx show a hole in the subject roof with a comment that it is minor roof repair. There are no additional comments on the appraisal regarding the roof damage and there is no documentation in the file to clarify if the damage in the photos is missing shingles with the tar paper showing or an actual hole. Cost to cure is not provided. - 08/21/2025 Recd updated appraisal, Two shingles were sticking up due to wind damage with NO hole in the roof and NO tar paper missing - that is a shadow from the sun. Therefore NO cost to cure is necessary as laying the two shingle back down by the home owner has no cost.<br>|  |
| 900001913 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified reserves - No reserves required, borrowers are receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated (redacted) does not indicate if the borrower declined an escrow account or if the lender does not offer one. - 08/19/2025 EV2/B - Non-Material<br>GIDE 0001 Guideline Exception(s) - The borrowers on the first mortgage are (redacted) and (redacted), only (redacted) name is on the subject second mortgage. Per guidelines, borrowers on the first mortgage note must be the same as the borrowers on the second mortgage note. - Investor acknowledged exception. |  | CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing evidence of the hazard insurance premium. Insurance documents in the file do not disclose the premium amount. Reviewer used (redacted) annual/(redacted) monthly based on the escrow amount for the 1st mortgage:<br>Escrow payment from 1st mtg statement (redacted), (redacted) MIP Ins Disbursed on statement (redacted), Documented taxes (redacted). Verified costs (redacted) MIP + property taxes (redacted)<br>Remaining escrow payment used as insurance (redacted)<br>- 08/21/2025 Recd EOI reflecting the annual policy premium.<br>ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing dry funding CD. Final settlement statement was not in file to confirm date of disbursement. The loan disbursement date (redacted) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (redacted). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - 08/27/2025 Finding is cleared with the dry funding CD (final) and attached corresponding final settlement statement, disbursement date confirmed to be (dated).<br>APRV 0003 Missing Loan Approval Date - Missing lender approval / underwriting decision, only the unsigned 1008 is in the file. - 08/21/2025 Recd underwriting decision.<br>TRID 0121 Missing Evidence of Re-disclosure and a valid COC for the sum of non-specific (lump sum) lender credits and specific lender credits ($) that have decreased from the amount disclosed on the Loan Estimate/Closing Disclosure. - COC states change was new information and further describes a change in product type due to creditworthiness, however no details surrounding the change were provided. Review identified a reduction of lender credit from(redacted) to (redacted) -- - 08/21/2025 Recd COC. Loan file contains corresponding lock confirmation reflecting pricing to support change to the lender credit, lock extended.<br>|  |
| 900001904 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 717. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 9 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.35%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.44%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001916 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001927 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted); | GIDE 0001 Guideline Exception(s) - LENDER ACKNOWLEDGED EXCEPTION— for the subject property being rural. GL p.x states rural properties require prior approval. The subject loan is a rural property using 12 months of bank statements requiring reductions of CLTV by 10% and 5% respectively for a final CLTV of 70%. The Exception request is p.xxx with a lender email approving the exception on p.xxx. - EV2/B Investor Acknowledged Exception |  | CRED 0004 Back-end Ratio exception (DTI) - The lender notes on the 1008 state the borrower is doing this cash-out refinance to purchase an investment property and the estimated PITIA for the investment property is included in the DTI. The file is missing documentation to verify the loan amount of (redacted) and PITIA of (redacted) for the investment property being purchased. Lender may provide best know information at the time via a 1003, 1008, LE, or CD. - 08/28/2025 Finding is cleared with the attached 1008, updated 1003 that includes the address and final loan terms for concurrent purchase transaction, and CD for concurrent transaction. DTI with final debt service on concurrent refinance is within 3% tolerance of the approved DTI, thus update is deemed immaterial and does not require borrowers signature.<br>|  |
| 900001923 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 731. ; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 44 months.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001931 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 704. ; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 6 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 35.88%. ; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated xx/xx/xxxx (Page xxx) does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-Material |  | CRED 0082 Income Documentation is Insufficient - The loan file is missing the signed written business narrative required by the GL. - 08/22/2025 Exception set in error, full doc loan.<br>HUD 0001 Missing Final HUD-1 - Missing copy of the final settlement statement to confirm the actual disbursement date. Settlement statement in file pg xxx reflects a settlement date of xx/xx/xx and disbursement date of xx/xx/xx. Final CD dated xx/xx/xx pg xxx reflects a closing date of xx/xx/xx and disbursement date of xx/xx/xx. (Transaction date per the ROR xx/xx/xx). \*\* Corrected CD may be required. - 09/05/2025 Copy of closing package executed xx/xx/xx. Finding cleared upon re-submission with final docs.<br>|  |
| 900001998 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted).; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted)% with review CLTV of (redacted)%. ; Disposable Income - The loan has residual income of (redacted) monthly.; |  |  | APPR 0076 Appraisal Discrepancy - ICE CA Value AVM is not one the approved AVM Vendor's listed on the GL (redacted) - 08/25/2025 AVM is a product of (redacted) / (redacted)<br>APPR 0020 Missing Property Condition - Missing exterior property condition inspection. PCI must indicate average condition or better. - 08/25/2025 Exterior PCI indicating the subject to be in Average condition received.<br>|  |
| 900001900 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 743. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 104 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 82.61%. ; Low DTI - Maximum DTI of 45% with review DTI of 30.70%.; Disposable Income - The loan has residual income of ($) monthly.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material |  |  |  |
| 900001928 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 800. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 60.23%. ; Low DTI - Maximum DTI of 45% with review DTI of 28.02%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001967 | XXXX | Approved | 2 | 2 | 2 | 1 |  |  |  | Verified reserves - Required 2 months of reserves with verified liquid assets of 48 months. ; Low DTI - Maximum DTI of 45% with review DTI of 35.94%.; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated xx/xx/xxxx pg xxx disclosed Estimated Taxes, Insurance, and Assessments of ($) w/ Estimated Property costs over 1 year of ($) (11 mths). Review calculated ($) with Estimated Property costs over 1 year of ($). - 09/15/2025 Please see attached <br>CRED 0001 Unacceptable Mortgage History - The credit report p.xx reflects a 1x30 day late in xx/xxxx for the 1st lien mortgage with (redacted). The subject Note date is xx/xx/xxxx. The GL's p. x states housing history can only reflect 0x30 in the prior 24 months. - 09/02/2025 EV2/B Investor Acknowledged Exception- Email received from (redacted) that they are ok with granting a 1 time exception. |  |  |  |
| 900001903 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 66 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  |  | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated (redacted) disclosed Estimated Taxes, Insurance, and Assessments of (redacted) w/estimated property costs over 1 year of (redacted) (xx mths). Review calculated (redacted) w/estimated property costs over x year of (redacted). - 08/26/2025 Finding re-reviewed and cleared. Confirmed that the documented property costs matches to the disclosed property costs. Disclosed tax (redacted) was calculated using the annual tax, not rounded. Initial review appears to have double counted the county tax. Loan information section is the total annual tax due.<br>|  |
| 900001929 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - Required (redacted) months of reserves with verified liquid assets of (redacted) months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Disposable Income - The loan has residual income of (redacted) monthly.; |  |  | CRED 0082 Income Documentation is Insufficient - Missing documentation to verify borrower's ownership percentage in (redacted). (redacted) Letter does not confirm the borrower's percentage of ownership. - 08/26/2025 Recd (redacted) letter confirming borrowers percentage of ownership.<br>|  |
| 900001909 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 758. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 55.47%. ; Low DTI - Maximum DTI of 45% with review DTI of 29.44%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001941 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 687.; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 14 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 63.35%. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  | HCOST 0001 High Cost Failure - The loan fees ($) exceed the (XX) High Cost fee limit, which is ($), the difference is ($).<br>The loan fees ($) exceed the (xx_Investor) High Cost fee limit, which is ($), the difference is ($). - 09/15/2025 Lender rate sheet provided confirming discount was bona fide. Finding cleared upon resubmission.<br>|  |
| 900001907 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 784. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 3 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 67.84%. ; Low DTI - Maximum DTI of 45% with review DTI of 24.19%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001999 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating.; | CRED 0138 Missing CPA Letter - Tax preparer letter does not provide each borrower's percentage of ownership. - 09/16/2025 Please see (redacted) email. Letter to follow but wanted to provide for review to confirm percentage of ownership<br>CRED 0104 Missing Letter of Explanation - Missing letter of explanation for borrower drawing (redacted) from credit lines in the past (redacted) months, which is approximately (redacted) of gross income. Current balance in the borrower's business bank account is (redacted). The loan repayments are approximately (redacted) of the monthly qualifying income. Excessive loan advances could indicate possible cash flow issues.<br>(redacted) - 10/02/2025 Please see LOE for HELOC draws<br>CRED 0012 CLTV Exceeds Max Allowed - (redacted) CLTV > (redacted) Max Allowed ((redacted) Max less (redacted) reduction for bank statement loan program). Approved CLTV of (redacted) is based on a value of (redacted), but no valuation was provided in file to support. Review used the AVM value of (redacted). - 10/01/2025 EV2/B - Investor Acknowledged Exception. |  | APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - No employment is listed on the 1003 for B2, but the (redacted) letter indicates B2 is part owner of the self-employment business for which income was used for qualifying (redacted). - 09/16/2025 Refer to CRED 0103 - Recd email correspondence from the (redacted) stating, "(redacted) is the only owner. I will have to correct this next week after the (redacted) deadline I'm up against." (redacted) email is in support of the 1003, business narrative, articles, and SOS which only list B1 as being associated with the business, thus no correction required.<br>CRED 0097 Missing Verification of Liability (Contingent or Otherwise) - Missing verification of the (redacted) HOA fee. The (redacted) property details on printout in file was not expanded prior to printing to reflect the (redacted) HOA fee. - 09/02/2025 Recd (redacted) confirming (redacted) HOA fee.<br>APRV 0003 Missing Loan Approval Date - Missing final loan approval / underwriting decision. Only the 1008 was provided. - 08/27/2025 Recd underwriting decision.<br>GIDE 0001 Guideline Exception(s) - Most recent business bank statement is dated (redacted) > (redacted) days from the Note date of (redacted). -- Per guidelines, Provide (redacted) or (redacted) month's complete and consecutive bank statements within (redacted) days of Note date. - 09/17/2025 Finding is cleared with the attached (redacted) statement. Updated bank statement income calculator was provided to CRED 0104.<br>TITL 0014 Title Policy - Schedule B Exception - Per title commitment, (redacted). Contains provision for continuing assessment liens, compliance should be checked by contacting the homeowner's association. Missing confirmation subject property is not located in a PUD which would require a PUD rider. (redacted) search indicates subject property is subject to HOA fees. - 09/16/2025 Finding is cleared with the attached re-recorded Corrected Deed of Trust that includes a PUD rider.<br>|  |
| 900001925 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 755. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted). ; Disposable Income - The loan has residual income of (redacted) monthly.; | CRED 0009 Unacceptable Credit History - Credit report reflects HELOC 1x30 (redacted). The subject Note date is (redacted). The GL's Mortgage/Credit history requirements p.x state 0x30 in the last 24 months. - Investor Acknowledged Exception. |  | APPR 0076 Appraisal Discrepancy - Missing explanation regarding the appraisal being dated prior to the brokers application date of (redacted). Appraisal is dated (redacted) and was paid for by the borrower on (redacted). - 09/02/2025 Recd transfer letter.<br>CRED 0082 Income Documentation is Insufficient - Missing documentation to verify ownership percentage. (redacted) letter in file does not verify ownership percentage. AOI's and By-Laws do not verify ownership. - 08/28/2025 Letter confirming 100% ownership received.<br>|  |
| 900001905 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.66%. ; Verified credit history - Required FICO of 700 with actual FICO of 732. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 9 months. ; Low DTI - Maximum DTI of 45% with review DTI of 43.24%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | HUD 0001 Missing Final HUD-1 - Missing Final CD. Only one CD dated (date) provided. Final compliance review pending receipt of the final and any subsequent CDs. - 09/02/2025 Final CD dated/executed (date) received.<br>COMP 0010 Missing Affiliated Business Disclosure - Missing affiliated business disclosure. No Facts disclosure for for (redacted). in file. If lender has no affiliates an attestation on company letterhead may be provided. - 09/02/2025 Attestation from (redacted) that (redacted) has no affiliates received.<br>TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. - Duplicate of 0195<br>|  |
| 900001911 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 725. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 5 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 59.79%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.82%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001921 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 701. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 9 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 75.17%. ; Low DTI - Maximum DTI of 45% with review DTI of 40.97%.; Disposable Income - The loan has residual income of (($) monthly.; |  |  |  |  |
| 900001906 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 10 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 73.10%. ; Verified credit history - Required FICO of 700 with actual FICO of 770. ; |  |  | CRED 0006 Missing Employment doc (VVOE) - The file is missing a VVOE dated w/in 10 days of the note date of xx/xx/xx. - 09/02/2025 VVOE completed xx/xx/xx received.<br>CRED 0082 Income Documentation is Insufficient - Missing WVOE and/or current pay stubs covering 30 days income to support base income of ($) and overtime of ($) used to qualify. Only the xxxx/xxxx Wage and Income transcripts were provided for review. Final DTI review is pending. - 09/02/2025 TWN WVOE received.<br>|  |
| 900001961 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 784. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 24 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 24.26%. ; Low DTI - Maximum DTI of 45% with review DTI of 36.03%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001948 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - 2 months reserves or ($) required, borrower is receiving 27.10 months or ($) in cash out proceeds.; Verified credit history - FICO 721, minimum required 700; | CRED 0082 Income Documentation is Insufficient - Missing Business Narrative, as required per guidelines for Bank Statement loans. - 09/05/2025 Email recd from LRCP, exception to waive documentation approved.<br>CRED 0004 Back-end Ratio exception (DTI) - DTI variance from the lender exceeds x%. The reason for the variance is the income calculation. It appears the lender included all "Web to DDA fr DDA" deposits in qualifying income, it appears these are transfers from other accounts that are undocumented., Compensating Factors: - Non-material issue - DTI is still within guidelines.Verified reserves |  |  |  |
| 900001936 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 800. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 29 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 61.15%. ; |  |  |  |  |
| 900001914 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 684.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 35.68%. ; Low DTI - Maximum DTI of 45% with review DTI of 40.33%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001953 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 769. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 19 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 59.35%. ; Low DTI - Maximum DTI of 45% with review DTI of 34.23%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Final CD dated xx/xx/xx pg xxx reflects a disbursement date of xx/xx/xx which was the same date the the ROR expired. Copy of final settlement statement requested to verify disbursement date. Final updated CD will be required. - 09/05/25 Final settlement statement and CD received confirming funding date of xx/xx/xx.<br>HUD 0024 HUD-1 is Incomplete - Missing copy of the final settlement statement to verify the actual disbursement date. Final CD in file reflects a disbursement date of xx/xx/xxd settlement statement was provided for review. - 09/05/25 Final settlement statement and CD received confirming funding date of xx/xx/xx.<br>APPR 0076 Appraisal Discrepancy - The 1008 p.xx, Loan Confirmation p.xxx and Lock p.xxx all reflect the subject value as ($). The AVM p.xxx reflects the value as ($) which increases the CLTV from 58.478% to 59.35%. Lender to provide documentation to support using value of ($) or updated 1008. - 09/03/2025 Corrected 1008 reflecting value of ($) received. <br>|  |
| 900001926 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted). ; Low DTI - Maximum DTI of 45% with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  |  | COMP 0010 Missing Affiliated Business Disclosure - No Affiliated Business Disclosure or FACTS sheet located in loan file for (redacted) to determine if lender of record has affiliates. If lender has no affiliates an attestation on company letterhead may be provided. - 09/02/2025 Recd seller attestation that the lender has no affiliated business relationships to disclose, thus no abd required.<br>|  |
| 900001959 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 807. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 23 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 80% with review CLTV of 56.41%. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001943 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 740. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 15 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.87%. ; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated xx/xx/xx pg xxx disclosed Estimated Taxes, Insurance, and Assessments of ($) with estimated costs over 1 year of ($). Actual estimated taxes insurance and assessments ($) with costs over 1 year of ($) (11 mths). - EV2/B Post Closing Corrective Action - PC CD and LOE to borrower received. |  | CRED 0004 Back-end Ratio exception (DTI) - 8.01% DTI Variance- Review DTI 48.31%, Approved DTI 40.299%. Variance is due to subject taxes and insurance. 1008 reflects lender only used ($) for each. Actual taxes ($)/ Ins ($). Borrower does qualify for extended DTI up to 50% - 09/05/2025 Updated 1008 received. Lender final DTI 48.32%.<br>|  |
| 900001949 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 745. ; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 23 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 72.39%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.71%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001955 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 791. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 30 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.88%. ; Low DTI - Maximum DTI of 45% with review DTI of 20.58%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001950 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 785. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 31 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 63.37%. ; Low DTI - Maximum DTI of 45% with review DTI of 30.03%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001947 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 738. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 18 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 72.26; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001958 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 778. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 66 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80.12; Low DTI - Maximum DTI of 45% with review DTI of 44.40%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001937 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted). ; Low DTI - Maximum DTI of 45% with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  |  | TITL 0013 Title Policy - Schedule A Exception - Loan file contains Affidavit terminating Joint Tenancy (PDF p.xxx). Borrower's spouse passed in (redacted) per executed affidavit. Death certificate referenced as attachment to affidavit is missing. Lender to provide copy of Death Certificate for (redacted). - 09/09/2025 Recd death certificate.<br>|  |
| 900001956 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of (redacted). ; Disposable Income - The loan has residual income of (redacted) monthly.; | GIDE 0001 Guideline Exception(s) - LENDER ACKNOWLEDGED EXCEPTION - The subject loan was approved with a loan amount of (redacted). The GL's p.x shows the minimum loan amount is ($). Lender acknowledged exception for the loan amount on pages x to x with (redacted) approving the exception request. GL p.x states exceptions are considered on a case-by-case basis when compensating factors exist to offset the risk. Prior approval from (redacted) is required. - EV2/B Investor acknowledged exception |  |  |  |
| 900001977 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 784. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 21 months.; Disposable Income - The loan has residual income of ($) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 60.81%. ; |  |  | COMP 0010 Missing Affiliated Business Disclosure - No Affiliated Business Disclosure or FACTS sheet located in file for (redacted). If lender has no affiliates an attestation on company letterhead may be provided. - 09/11/2025 Attestation that lender has no affiliates received.<br>|  |
| 900001946 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 705. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 10 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 78.83; |  |  | CRED 0082 Income Documentation is Insufficient - Missing documentation to verify monthly pension of ($) used to qualify. Final DTI is pending. - 09/11/2025 Verification of retirement benefits received. (See attachments with CRED 0068.)<br>CRED 0006 Missing Employment doc (VVOE) - Missing VVOE from employer (redacted) dated w/in 10 days of the Note date xx/xx/xx. - 09/11/2025 WVOE completed xx/xx/xx received.<br>CRED 0136 Missing Paystub(s) - Missing YTD pay stubs covering 30 days and/or WVOE from (redacted)to verify Base income of ($) and bonus income of ($) used to qualify. Only the xxxx/xxxx Wage and Income transcripts were provided. Final DTI is pending. - 09/11/2025 Pay stubs and WVOE received.<br>|  |
| 900001932 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 731. ; Verified reserves - 26 mths verified reserves.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 55.46%. ; Low DTI - Maximum DTI of 45% with review DTI of 39%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001938 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 788. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 30 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 70.84%. ; Low DTI - Maximum DTI of 45% with review DTI of 34.31%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001962 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 780. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 9 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 83.86; Low DTI - Maximum DTI of 45% with review DTI of 42.30%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001957 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 783. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 21 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 68.67%. ; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated xx/xx/xxxx (Page xxx) does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-Material |  |  |  |
| 900001935 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 9 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 73.31%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.85%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001952 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 683.; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 26 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 55.68%. ; Low DTI - Maximum DTI of 45% with review DTI of 39.96%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001954 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 727. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 26 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 80.02%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.96%.; Disposable Income - The loan has residual income of ($) monthly.; | GIDE 0001 Guideline Exception(s) - All borrower(s) on the first mortgage note are not the same as the borrower(s) on the second mortgage note. LRCP exception in file xxx-xxx - Investor Acknowledged Exception |  |  |  |
| 900001942 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 10 months.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001945 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 692.; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 25 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 47.25%. ; Low DTI - Maximum DTI of 45% with review DTI of 38.32%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001963 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 88 months of mortgage history paid 0x30, verified per credit report. ; Low LTV/CLTV/HCLTV - CLTV of 62.81%, maximum of 85% allowed per guidelines. ; Verified credit history - 779 qualifying credit scores, minimum required of 680. No derogatory credit. ; |  |  | APRV 0003 Missing Loan Approval Date - Missing Lender Loan Approval with date of approval. Unsigned 1008 provided in file (pg x). - 09/11/2025 Lender loan approval received.<br>|  |
| 900002001 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - (redacted) months of mortgage history paid (redacted), verified per credit report.; Verified credit history - (redacted) qualifying credit score, minimum required of (redacted). No derogatory credit. ; Verified reserves - (redacted) months of PITI reserves required. Verified PITI reserves from proceeds of (redacted) months.; | CRED 0082 Income Documentation is Insufficient - 1) Missing (redacted) YE P&L and Balance Sheet for (redacted). Only (redacted) YTD P&L/Balance Sheet provided. Unable to accurately calculate income without (redacted) tax returns or P&L. <br>2) Additional (redacted) entity listed on (redacted), (redacted). Loss from (redacted) (redacted) returns included. Loss increased from (redacted) to (redacted). Missing YE (redacted) and YTD (redacted) P&L confirming that losses are not continuing to increase in (redacted) and (redacted). - 10/03/2025 (redacted) P&L and balance sheet for (redacted). |  | CRED 0087 Tax Returns/Transcripts are Insufficient - Missing (redacted) filing extension for (redacted) return in the name of (redacted). - 10/03/2025 Recd (redacted) extension to file (redacted) return.<br>APRV 0003 Missing Loan Approval Date - Missing Lender Loan Approval with date of approval. Unsigned (redacted) provided in file. - 09/11/2025 Lender loan approval received.<br>COMP 0031 Unacceptable Loan Originator Compensation - Missing evidence credit report fee of (redacted) paid to the 3rd party and not the broker as shown on CD issued (redacted). - 09/18/2025 Recd the final dry funding CD.<br>|  |
| 900001973 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 733. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 51 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 68.49%. ; Disposable Income - The loan has residual income of ($) monthly.; | TRID 0089 Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 - TPR audit calculated PFC fees as ($) - including Sec H fees totaling ($). Lender PFC calculations per Compliance Ease report in file (PDF p.xxx) are listed as ($) - which does not include Sec H fees (($) Mortgage Satisfaction Tracking and ($) Tech Fee). Lender to cure PFC fail and provide borrower reimbursement, PCCD, and proof of delivery to borrower. --The disclosed finance charge (($)) is (($)) below the actual finance charge (($)). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1)<br>- 09/24/2025 The original suspense does not have this listed in the text at all. The mortgage sat fee and the tech fee total ($) for fees in section H which is the suspense. Please escalate and have this cleared. Thank you. |  | CRED 0091 Missing Tax Transcript(s) - Guidelines pg.x require wage and income transcripts for the year(s) of qualifying income. The file contains the xxxx and xxxx W2's for the primary job with (redacted) and the xxxx W2 for the 2nd job with (redacted). The file is missing the IRS W2 transcripts for xxxx for both jobs. - 09/15/2025 xxxx transcripts received.<br>|  |
| 900001939 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - The borrower has been with both current employers 5+ years.; Verified reserves - No reserves required, 10.69 months reserves or ($) received from cash out proceeds.; Low LTV/CLTV/HCLTV - CLTV 46.52%, up to 75% acceptable; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing xxxx transcripts to support the xxxx W2s. Guidelines require transcripts for all years considered. The borrower works two jobs, two year history required. - 09/15/2025 xxxx wage & income transcripts received.<br>|  |
| 900001940 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 712. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 74.47%. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  | APP 0003 Missing Initial 1003 Application - Initial application executed by loan originator not in file. - 09/15/2025 LO executed initial 1003 received.<br>|  |
| 900001978 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 748. ; Verified reserves - Required 2 months of reserves with verified liquid assets of 28 months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 77.84%. ; Low DTI - Maximum DTI of 45% with review DTI of 32.08%.; Disposable Income - The loan has residual income of ($) monthly.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material |  | TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated xx/xx/xx Disclosed Estimated Taxes, Insurance & Assessments of ($) with Estimated Property Costs over Year 1 of ($) (11 mths). Review Calculated Taxes, Insurance & Assessments of ($) with Estimated Property Costs over Year 1 of ($) (11 mths). (xxxx taxes ($) pg xxx / HOI ($) pg xxx) - 09/16/2025 Agree w/lender response, TPR error.<br>|  |
| 900001971 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 693.; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 7 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 50.21%. ; Low DTI - Maximum DTI of 45% with review DTI of 42.57%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001987 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 39 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Low DTI - Maximum DTI of (redacted) with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Right to cancel is (redacted) which is the same days as disbursement date per final CD dated (redacted). Settlement statement requested to verify the the actual disbursement date. Corrected final CD may be required. - 09/19/2025 Please see attached PCCD and LOE to bwr |  | RESPA 0029 Missing Homeownership Counseling Disclosure - Missing Homeownership Counseling Disclosure. - 9/15 - Homeownership Counseling Disclosure provided. Finding cleared.<br>COMP 0010 Missing Affiliated Business Disclosure - Missing ABD no facts disclosure found in file. If lender has no affiliates an attestation may be provided on company letterhead. - 09/16/2025 FACTS disclosures received confirming (redacted) has no affiliates.<br>TRID 0130 Missing Intent to Proceed - Missing Intent to Proceed. - 09/16/2025 ITP executed (redacted) received.<br>HUD 0001 Missing Final HUD-1 - Missing copy of the final settlement statement to verify the actual disbursement date. CD in file reflects that the loan disbursed on (redacted) which is the date the ROR expired. - 09/16/2025 Final settlement statement received confirming the loan disbursement date of (redacted). <br>|  |
| 900001965 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves required, the borrowers will be receiving (redacted) months reserves or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; Low LTV/CLTV/HCLTV - CLTV (redacted), up to (redacted) acceptable.; |  |  | CRED 0095 Missing or Incomplete 4506-T/4506-C - Missing executed 4506-C for borrower 2, who qualified on W2 income. The file includes transcripts and the taxpayer consent form, but not the executed 4506-C form. - 09/17/2025 Recd 4506C signed by B2 at closing.<br>|  |
| 900002016 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - Required (redacted) months of reserves with verified liquid assets of (redacted) months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Low DTI - Maximum DTI of (redacted) with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; | APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - The 1003 lists an employer name of New Employer for the borrower with no employment information or salary. Borrower appears to be retired. - EV2/B Non-Material |  | TRID 0016 Prior Loan Estimate Sent Method Not In Person and No Received Date - Missing the disclosure tracking to verify the receipt date of the LE issued (redacted). - 09/30/2025 Finding is cleared with the attached borrower signed LE (redacted).<br>|  |
| 900001981 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 712. ; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 79.58%. ; Low DTI - Maximum DTI of 45% with review DTI of 37.29%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | APP 0006 Discrepancy between 1003 and documentation stated and/or verified in file - The signed final 1003 p.xxx lists an asset with (redacted) sav #xxxx with balance of ($). The 1008 p.xx also lists a verified asset of ($). The file is missing any asset documentation for (redacted) sav #xxxx. - EV2/B Cash out proceeds used to meet the reserve requirement of 2 mths. - 09/24/2025 Bank statement received.<br>CRED 0001 Unacceptable Mortgage History - Missing most recent 12 mths mortgage history for the 1st lien (redacted) A/# ending in xxxx. Account was in the name of the borrowers deceased spouse only. Only 3 statements for xx/xx/xx (pg xxx) xx/xx/xx (pg xxx), xx/xx/xx (pg xxx) provided for review. - 09/26/2025 (redacted) servicing print out covering xx/xx-xx/xx received. History verified 0x30.<br>CRED 0009 Unacceptable Credit History - Missing documentation to verify the student loan monthly payments reflected on the final 1003 used to qualify. The signed final 1003 p.xxx, xxx list 4 student loans with (redacted) showing monthly payments of ($), ($), ($) and ($). The credit report p.xx shows the 4 student loans with no payments reflected. - 09/24/2025 Documentation received to verify borrower is currently enrolled in an Income-Driven Repayment (IDR) plan, specifically the (redacted)program. His required monthly payment is ($), and he is not required to recertify until xx/xx. Lender used conservative amount as no payment is currently due.<br>|  |
| 900001960 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 775. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 17 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 47.97; Low DTI - Maximum DTI of 45% with review DTI of 43.44%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001951 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 777. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 14 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 52.49%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.24%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001985 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900002028 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; | CRED 0138 Missing CPA Letter - (redacted) letter does not disclose the borrower's percentage of ownership or how long the borrower has been self-employed. - 10/15/2025 Uploaded updated (redacted) letter. |  | CRED 0082 Income Documentation is Insufficient - Missing most recent (redacted) months of business bank statements to confirm borrower maintains separate accounts as required for Personal Bank Statement loans. No LOE in addressing business statements in file. Lender did apply (redacted) expense factor. - 09/18/2025 Recd response from investor, We would not consider this an exception. This would fall into the comingled account category which would qualify as a business bank statement loan. <br>|  |
| 900001972 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - CLTV of 49.5%, maximum of 85% allowed per guidelines. ; Net tangible benefit - Debt consolidation saving borrower $313 per month. ; Verified housing payment history - 262 months of mortgage history paid 0x30, verified per credit report. ; |  |  |  |  |
| 900001982 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - APR decreased on interim and final CD by more than .125 from the initial CD.<br>APR initial CD (redacted) 8.089% <br>APR interim CD (redacted) 7.832% <br>APR Final CD (redacted) 7.829% - EV2/B APR decreased, benefit to borrower.<br>TRID 0204 Estimated Property Costs over Year 1 Are Not Accurate - Final CD dated (redacted) disclosed Estimated Taxes, Insurance, and Assessments of (redacted) w/Estimated property costs over year 1 of (redacted) (12 mths). Review calculated Estimated Taxes, Insurance, and Assessments of (redacted) w/Estimated property costs over year 1 of (redacted). (Taxes $(redacted) / (redacted) HOI (redacted) - 09/18/2025 LOX and PCCD |  | APRV 0003 Missing Loan Approval Date - Missing final lender approval. File includes an unsigned 1008 and Commitment Letters but the Commitment Letters do not match the final interest rate of (redacted). - 09/25/2025 Recd underwriting conditional approval.<br>|  |
| 900001980 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - No reserves required due to LTV < (redacted). Verified reserves from proceeds of (redacted). ; Verified housing payment history - (redacted) months of mortgage history paid 0x30, verified per credit report. ; |  |  | DEED 0022 Missing Notary on Mortgage/DOT - Missing page x of the Deed of Trust. Unable to verify the NMLS IDs on the document are correct, and unable to verify if and when the document was notarized. - 09/17/2025 Recd recorded copy of the DOT that includes the notary page for B2 signature.<br>DEED 0021 Missing Legal Description on Mortgage/DOT - Missing legal description on exhibit A from the Deed of Trust. - 09/16/2025 Recd copy of DOT with Exhibit A included.<br>|  |
| 900001975 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - 772 Representative credit score exceeds the minimum required credit score of 680 by 92 Points. <br>; |  |  |  |  |
| 900001984 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Low DTI - Maximum DTI of (redacted) with review DTI of (redacted).; Disposable Income - The loan has residual income of (redacted) monthly.; |  |  |  |  |
| 900002013 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of (redacted) with actual FICO of (redacted). ; Verified reserves - Required (redacted) months of reserves with verified liquid assets of (redacted) months. ; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; Disposable Income - The loan has residual income of(redacted) monthly.; |  |  | CRED 0096 Missing proof of PITI payment on non-subject property - The file is missing documentation to verify the monthly HOA fee for (redacted). The signed final 1003 REO section lists an investment property at (redacted) with (redacted) in the HOI, Taxes and HOA box. The mortgage statement shows the payments is escrowed. The file contains a letter from the borrower stating the monthly HOA fee is (redacted). The file is missing documentation to verify the monthly HOA fee for (redacted). - 09/18/2025 Finding is cleared with the attached HOA transaction history.<br>|  |
| 900001976 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 806. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 42 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 58.83%. ; Low DTI - Maximum DTI of 45% with review DTI of 41.37%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  | DEED 0007 Missing PUD Rider - Missing the PUD Rider to go with the Texas Home Equity Security Instrument (pg xx). - 09/24/2025 PUD Rider received.<br>TXEQ 0011 Fair Market Value Disclosure not provided or executed by Title Holders or Lender - Fair Market Value Disclosure (PDF xxx) is not signed by lender. - 09/24/2025 Fair Market Value Disclosure executed by lender received.<br>TXEQ 0001 Notice Concerning Extension of Credit Disclosure is Missing - Notice Concerning Extension of Credit Disclosure (PDF p. xxx) is not executed by borrowers. - 09/24/2025 TX 12 day disclosure executed by borrowers xx/xx/xx received.<br>TXEQ 0019 Missing TX Home Equity Affidavit and Agreement - TX Home Equity Affidavit and Agreement located is missing. - 09/24/2025 TX Home Equity Affidavit and Agreement received.<br>ROR 0004 Right of Rescission is not executed by Title Holder(s) - Missing Notice of Right to Cancel executed by (redacted) - 09/24/2025 ROR executed by B2 xx/xx/xx received.<br>|  |
| 900001989 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 700 with actual FICO of 701. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 10 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 60.91%. ; Low DTI - Maximum DTI of 45% with review DTI of 36.62%.; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001974 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Required FICO of 680 with actual FICO of 682.; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 9 months.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 24.04%. ; Disposable Income - The loan has residual income of ($) monthly.; |  |  |  |  |
| 900001991 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900001990 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900002023 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  |  | GIDE 0001 Guideline Exception(s) - Exception in file for Rural Property approved (redacted) - EV2/B - Investor acknowledged exception in file. No further action from seller required. |  | TXEQ 0023 Texas 50(a)(6) Loan Fees Exceed the Permissible Fee Limitation. - Fee total of (redacted) > (redacted) allowable based on (redacted) of the principal balance. Lender's (redacted) report in file was not summitted with final CD, submission CD (redacted) with final CD issued (redacted). Loan file is missing documented par rate (rate available at no cost to borrower), thus unable to confirm if any portion of the loan discount is excludable. - 10/17/2025 Bonafide discount confirmed which can be excluded under (redacted) Constitution. <br>TRID 0119 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. <br>TXEQ 0001 Notice Concerning Extension of Credit Disclosure is Missing - Missing executed (redacted) Notice Concerning Extension of Credit Disclosure. - 09/25/2025 Recd borrower signed (redacted) Notice Concerning Extension of Credit Disclosure.<br>|  |
| 900001966 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900001964 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900001979 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  |  | APPR 0044 HPML Appraisal Requirements are Not Met - Missing appraiser's executed certification stating the appraisal was prepared in accordance with USPAP and Title XI of FIRREA and any implementing regulations. - EV2/B Non-Material |  |  |  |
| 900002024 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | CRED 0091 Missing Tax Transcript(s) - Missing (redacted) and (redacted) (redacted) transcripts to validate (redacted) income used to qualify for B2. Only the Wage & Income transcripts were documented in the loan file. - 10/28/2025 10/24/25 (redacted)Transcripts received.<br>APP 0004 Initial 1003 Application is Incomplete - Initial Application for B2 is not in file. - 10/27/2025 Copy of the initial 1003 executed by B2 at closing on (redacted) received.<br>|  |
| 900001992 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | CRED 0082 Income Documentation is Insufficient - Missing (redacted) letter or complete copy of the Articles of Organization with copy of change of Registered Agent to verify borrower is 100% owner of (redacted). - 09/25/2025 State issued business license in file grants authority to borrower to operate the business. The license was issued (redacted) and is valid through (redacted).<br>|  |
| 900001969 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900001970 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900001986 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; Verified credit history - (redacted) Middle Credit Score > (redacted) Min Required.; |  |  | HAZ 0004 Hazard Insurance Coverage Amount is Insufficient - Dwelling Coverage of (redacted) < (redacted) 1st + 2nd Liens. - 09/29/2025 EOI notes dwelling coverage is based on an estimate of the cost to rebuild the home, coverage A + other structures > RCE.<br>|  |
| 900001993 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - 60.57% CLTV < 75% Max Allowed.; |  |  |  |  |
| 900001983 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score 803 > 680 Minimum Required.; Low LTV/CLTV/HCLTV - 57.48% CLTV < 85% Max Allowed.; |  |  |  |  |
| 900001995 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - (redacted) LTV/CLTV w/a max allowed of (redacted).; Verified credit history - (redacted) fico w/a minimum requirement of (redacted).; |  |  | TRST 0002 Loan was not properly executed by the guarantor(s) and the trustee - Missing executed and notarized Certification of Trust. - 10/03/2025 Finding is cleared with the attached executed copy of the certification of trust.<br>|  |
| 900002010 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | APP 0004 Initial 1003 Application is Incomplete - Missing initial 1003 executed by the LO. (Neither the initial or final was executed). - 10/01/2025 LO executed 1003 received.<br>|  |
| 900002015 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  |  | GIDE 0001 Guideline Exception(s) - Missing business narrative for self-employed bank statement loan. - 10/08/2025 EV2/B - Investor Acknowledged Exception |  |  |  |
| 900002005 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Low DTI - (redacted) DTI < (redacted) Max Allowed.; Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; | GIDE 0001 Guideline Exception(s) - Guideline exception for rural property approved with max CLTV of (redacted) and (redacted) FICO, page (redacted). - 09/30/2025 EV2/B - Investor Acknowledged Exception in file. |  |  |  |
| 900001988 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900002008 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; Verified reserves - (redacted) Months Verified PITIA Reserves. No reserves required.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  |  |  |  |
| 900002004 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - (redacted) CLTV < (redacted) Max Allowed.; Low DTI - (redacted) DTI < (redacted) Max Allowed.; |  |  | TRID 0137 Cannot Reconcile LE / CD Versioning - Tracking document and COC ((redacted) shows a revised CD issued (redacted) and received (redacted). CD issued (redacted) is not in file. - 10/02/2025 Confirmed per the lender that the CD sent on (redacted) has an Issue Date of (redacted). No additional CD was provided.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing documentation to support the qualifying property insurance payment of (redacted) (redacted). Reviewer calculated insurance in the amount of (redacted) per month (redacted). - 10/02/2025 Updated HOI policy received.<br>|  |
| 900002019 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD issued (redacted) (redacted) does not indicate of the borrower declined an escrow account or if the lender does not offer one. (PCCD expected for CA loan is not in file) - 09/30/2025 EV2/B - Non-Material |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Legal Description is not attached to or contained within Mortgage (redacted). - 10/02/2025 Complete copy of Mortgage / DOT received.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing verification of property taxes. Title Commitment refers to attachment for taxes but attachment is not included (redacted). AVM does not state a tax amount (redacted). - 10/02/2025 Subject tax cert received.<br>|  |
| 900002018 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  |  | TRID 0009 Initial Closing Disclosure Sent Method Not In Person and No Received Date - Missing evidence of delivery to borrower of the initial CD. Timing requirement is not met with US Mailbox Rule applied. - 10/01/2025 Initial CD issued (redacted) received. Finding cleared upon re-submission.<br>RESPA 0029 Missing Homeownership Counseling Disclosure - No Homeownership Counseling Disclosure located in loan file - 10/01/2025 Homeownership Counseling Disclosure issued (redacted)received.<br>|  |
| 900002038 | XXXX | Funded | 2 | 2 | 2 | 1 |  |  |  | Verified credit history - Middle Credit Score 770 > 700 Minimum Required.; Low DTI - 32.36 DTI < 45% Max Allowed.; | APP 0002 Final 1003 Application is Incomplete - B2 employment start date s/b xx/xx/xxxx instead of xx/xx/xxxx, per WVOE page x and initial 1003 pagex. - 09/30/2025 EV2/B - Non-Material<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing COC for increase in lender points on LE issued (redacted). - 10/28/2025 Hello, Packet now sent out. Set to be delivered on 10/29 |  |  |  |
| 900002007 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  |  |  |  |
| 900002002 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 900002011 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months of verified reserves when guidelines required zero.; Low DTI - Low DTI of (redacted).; Verified employment history - Borrower has been employed as a physician with same employer for (redacted) years.; |  |  | CRED 0122 Missing copy of green card for permanent resident alien. - Missing copy of the borrowers unexpired permanent resident card. NOTE: H1B expired (redacted). - 10/07/2025 Received a copy of the borrowers unexpired permanent resident card.<br>|  |
| 900002006 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months of verified reserves when guidelines required (redacted) months.; Low DTI - Low DTI of (redacted) < (redacted) Max.; Verified employment history - Borrowers have each been employed with their respective employers as a teacher for (redacted) years.; |  |  |  |  |
| 900002017 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months of verified reserves when guidelines required (redacted) months.; Verified employment history - Borrower has been a (redacted) with same employer for (redacted) years.; |  |  |  |  |
| 900001994 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of (redacted).; Verified occupancy in subject property - Borrower has occupied subject property for (redacted) years.; |  |  |  |  |
| 900002009 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of (redacted).; Verified employment history - Borrower has been employed as a (redacted) with same employer for (redacted) years.; Verified occupancy in subject property - Borrower has occupied the subject property for (redacted) years.; |  |  |  |  |
| 900002022 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of (redacted).; Verified employment history - Borrower has been self employed for (redacted) years.; Verified occupancy in subject property - Borrower has occupied the subject property for (redacted) years.; |  |  | DEED 0007 Missing PUD Rider - Missing the PUD rider. - 10/09/2025 Received a copy of the executed PUD Rider.<br>DEED 0021 Missing Legal Description on Mortgage/DOT - Missing Exhibit A, legal description. - 10/10/2025 Received a copy of the recorded Deed of Trust with the Exhibit A Property Description.<br>|  |
| 900002021 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - (redacted) months of verified reserves when GL required (redacted) months.; Verified occupancy in subject property - Borrowers have occupied the subject property for (redacted) years.; | TRID 0206 Final APR Outside Tolerance of .125 from APR 3 Business Days Prior to Closing - Final APR Outside Tolerance of (redacted) from APR (redacted) Business Days Prior to Closing. APR CD (redacted), APR final CD dated (redacted). APR decreased, benefit to borrower. - 10/03/2025 EV2/B - Decrease in the APR is a benefit to borrower. |  | CRED 0082 Income Documentation is Insufficient - Missing B1 employer LOE addressing B1s annual salary. The annual salary on the WVOE of (redacted) is not supported by YTD or prior years earnings. B1s YTD base pay as of (redacted) is (redacted). - 10/10/2025 Received lender rebuttal with prior two years year end paystubs. YTD paystubs, prior two years year end paystubs, two years W2s, and wage transcripts satisfactorily documented the income. Since the WVOE was not relied upon the finding can be cleared.<br>|  |
| 900001996 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of (redacted).; Verified reserves - (redacted) Months of verified reserves when none were required based on LTV.; Verified occupancy in subject property - Borrowers have occupied the subject property for (redacted) years.; |  |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing rescored fraud report with all fraud findings satisfactorily addressed. Adjusted score in file is a moderate (redacted) with high risk fraud finding not addressed. - 10/06/2025 Received rescored fraud report fraud report loan summary with all fraud findings cleared.<br>|  |
| 900002000 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months of verified reserves when none required per LTV.; Verified occupancy in subject property - Borrower has occupied subject property for (redacted) years.; |  |  |  |  |
| 900002020 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - (redacted) months of verified reserves when guidelines required (redacted) months.; Verified employment history - Borrower has been self employed for (redacted) years.; Verified occupancy in subject property - Borrower has occupied the subject property for (redacted) years.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated (redacted) does not indicate if the borrower declined an escrow account or if the lender does not offer one. (No PCCD in file for (redacted) loan) - 10/07/2025 EV2/B - Non-Material |  |  |  |
| 900002003 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer as a nurse for (redacted) years.; Verified occupancy in subject property - Borrower has occupied subject property for (redacted) years.; Low DTI - DTI of (redacted) < (redacted) Max Allowed.; |  |  |  |  |
| 900002012 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - B1 has been employed with same employer for (redacted) years. B2 has been self employed for (redacted) years.; Verified occupancy in subject property - Borrowers have occupied the subject property for (redacted) years.; Low DTI - Low DTI of (redacted).; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated (redacted) does not indicate if the borrower declined an escrow account or if the lender does not offer one. - 10/08/2025 EV2/B - Non-Material. |  | DEED 0021 Missing Legal Description on Mortgage/DOT - Legal Description is not attached to or contained within Mortgage. - 10/10/2025 Received copy of the recorded Deed of Trust that includes Exhibit A.<br>|  |
| 900002031 | XXXX | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - 37 months of verified reserves.; Verified employment history - Borrower has been self employed owner of pizzaria for 17 years.; Verified occupancy in subject property - Borrower has occupied the subject property for 6.8 years.; | CRED 0082 Income Documentation is Insufficient - Missing business narrative. Per guidelines, General Criteria - Provide a signed written business narrative. Must include:<br>Description of business operation<br>Primary products and or services<br>Who is the customer base<br>Number of full-time employees,<br>Any other information that would help determine eligible deposits - 10/16/2025 EV2/B Investor Acknowledged Exception - An exception has been approved for lack of business narrative. |  |  |  |
| 900002037 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been employed as a teacher for 27 years.; Verified occupancy in subject property - Borrower has occupied the subject property for 5.5 years.; | TRID 0205 The Lender Credit and/or the Principal Reduction was not sufficient to overcome the total fee variance. - Final CD dated (redacted) has a title service fee of $x that was not previously disclosed and exceeds 10% TRID tolerance. Lender to provide valid COC for addition of fee and/or tolerance cure documentation. Refer TRID 0008 - Initial and Interim CDs are missing. Final compliance test is pending missing disclosures. |  | TRID 0008 Initial CD Received Date is < 3 business days prior to Consummation Date - Missing Initial Closing Disclosure dated at least 3 business days prior to loan closing date of (redacted) and any interim CDs. - 10/14/2025 Received the initial CD.<br>|  |
| 900002029 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed as a teacher for 30 years.; Verified occupancy in subject property - Borrower has occupied the subject property for 18 years.; |  |  | CRED 0082 Income Documentation is Insufficient - Missing income docs. File contains (redacted) transcripts. - 10/14/2025 Sufficient income documentation received, exception cleared.<br>CRED 0006 Missing Employment doc (VVOE) - Missing VOE for borrowers employment with (redacted) - 10/14/2025 VOE dated (redacted) received, exception cleared.<br>CRED 0084 Income Calculation Discrepancy - Missing updated 1008. Review DTI 27.78% / Approved DTI 13.89%, variance > 3%. Lender appears to have double counted the base income. 1008 reflects (redacted) monthly income, but the comments states that qualifying income was to be (redacted)/mo. Refer to CRED 0082. - 10/14/2025 Updated 1008 and 1003 received with corrected income and DTI. Exception cleared.<br>|  |
| 900002040 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of 72.69%.; Verified occupancy in subject property - Borrower has occupied the subject property for 25 years.; |  |  | CRED 0004 Back-end Ratio exception (DTI) - Missing updated 1008. Approved DTI 48.013% / Review DTI 43.78%, variance > 3% due to lender double counting property costs escrowed with first lien. - 10/14/2025 Updated final 1008 and 1003 received.<br>TRID 0195 Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure - Missing valid COC for increase to the discount from $969 to $1,854.33. - 10/30/2025 LE dated 08/20/25 with COC dated 08/19/25 for customer requested changes received. Finding cleared upon re-submission.<br>|  |
| 900002030 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrower has occupied the subject property for (redacted) years.; Verified housing payment history - (redacted) months of mortgage history paid (redacted) verified on credit report since (redacted).; |  |  |  |  |
| 900002042 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 99+ months of mortgage history paid 0x30 on credit report since x.; Verified occupancy in subject property - Borrowers have occupied the subect property for 10 years.; Verified employment history - B2 has been employed as (redacted)Supervisor for 18 years.; |  |  | APPR 0076 Appraisal Discrepancy - Photo on AVM does not reflect same property in Property Condition Inspection, pages x, x. - 10/21/2025 10/21/25 LOE from (redacted) received with revised AVM with photo omitted. Explanation added to comments.<br>FRAUD 0001 Fraud report alerts have not been addressed - Missing rescored fraud report with all fraud finding satisfactorily addressed. Fraud report in file reflects a score of x - critical risk; high fraud alerts not cleared (pg x), regarding employment, potential FC and NMLS discrepancies. - xxx FraudGuard received.<br>CRED 0104 Missing Letter of Explanation - Missing LOX indicating (redacted) is dba or fka (redacted) per TWN page x. - (redacted) Internet search for (redacted)received. Search confirms company provides payroll administration services.<br>|  |
| 900002025 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for (redacted) years.; Verified occupancy in subject property - Borrower has occupied the subject property for (redacted) years.; Low DTI - Low DTI of (redacted).; |  |  |  |  |
| 900002014 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified occupancy in subject property - Borrowers have occupied subject property for (redacted) years.; Verified employment history - Borrowers have been employed with same employers for (redacted) years and (redacted) years, respectively.; Verified housing payment history - (redacted) months of verified mortgage history paid (redacted) on credit report since (redacted).; |  |  |  |  |
| 900002026 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months of verified reserves when guidelines required (redacted) months.; Verified occupancy in subject property - Borrowers have occupied subject property for (redacted) years.; |  |  |  |  |
| 900002027 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for (redacted) years.; Verified occupancy in subject property - Borrower has occupied the subject property for (redacted) years.; |  |  |  |  |
| 900002034 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low CLTV of (redacted).; Verified occupancy in subject property - Borrower has occupied the subject property for (redacted) years.; Verified reserves - (redacted) months of verified reserves when guidelines required none on extremely low CLTV.; |  |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing dry-funding CD. Subject is located in (redacted). Disbursement date on final CD, is (redacted) with expiration date on ROR of (redacted). - 10/16/2025 10/16/25 Final CD reflecting actual disbursement date of (redacted) received.<br>|  |
| 900002033 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low OCLTV 46.63%.; Verified occupancy in subject property - Borrowers have occupied the subject property for 4.25 years.; |  |  |  |  |
| 900002032 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - 99+ months of verified mortgage history paid 0x30 on credit report since x.; Verified occupancy in subject property - Borrower has occupied the subject property for 10 years.; |  |  | CRED 0091 Missing Tax Transcript(s) - Missing tax transcripts. - 10/24/2025 2024/2023 Wage and Income transcripts received.<br>CRED 0082 Income Documentation is Insufficient - Missing all income docs: Paystubs, W2's and/or WVOE to support base income used to qualify.<br>CRED 0006 Missing Employment doc (VVOE) - Missing VOE within 10 days prior to note date. - 10/24/2025 VVOE completed received.<br>|  |
| 900002049 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified employment history - Borrower has been self employed for (redacted) years.; Verified occupancy in subject property - Borrower has occupied subject property for (redacted) years.; | TRID 0089 Disclosed Finance Charge Must Be >= Actual Finance Charge - $35 - Lender Compliance Report shows the Commitment Fee paid to the Lender in the amount of (redacted) is not included in the financed charges resulting in the variance with the calculated total. -- The disclosed finance charge (redacted) is (redacted) below the actual finance charge (redacted). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than (redacted) below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - 11/03/2025 Rescission re-opened. Recission letter, post-close CD, Notice of Right To Cancel forms, copy of shipping label and copy of return postage paid shipping label uploaded and acceptable to satisfy condition.<br>TRID 0086 Closed-End Finance Charge Rescission Tolerance - Lender Compliance Report shows the Commitment Fee paid to the Lender in the amount of (redacted) is not included in the financed charges resulting in the variance with the calculated total. -- The disclosed finance charge (redacted) is less than the actual finance charge (redacted) by (redacted). For rescission purposes, the Truth in Lending Act considers the finance charge inaccurate if it is understated by more than half of (redacted) of the note amount (redacted) or (redacted), whichever is greater. (12 CFR 1026.23(g); OSC 17(c)(2)(ii)-1) - 11/03/2025 Rescission re-opened. Recission letter, post-close CD, Notice of Right To Cancel forms, copy of shipping label and copy of return postage paid shipping label uploaded and acceptable to satisfy condition. |  |  |  |
| 900002047 | XXXX | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of (redacted) months.; Disposable Income - The loan has residual income of (redacted) monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of (redacted) with review CLTV of (redacted). ; | GIDE 0001 Guideline Exception(s) - Missing Long Run Exception Acknowledgment- (redacted) notes that an exception was granted for the husband being on this loan while both the husband and wife are on the first mortgage. - 10/22/2025 Investor Acknowledged Exception<br>CRED 0004 Back-end Ratio exception (DTI) - Review DTI of (redacted) exceeds the max allowed of (redacted). Variance is in the liabilities used to qualify. (redacted) in file does not match the final (redacted). (redacted) reflects other monthly payments of (redacted). Actual other payments (redacted). (Borrower does not meet the fico requirement for extended DTI up to (redacted)) - 11/04/2025 Email received from investor - The DTI exception is approved. Please waive/downgrade the findings.<br>APRV 0010 Underwriting Loan Approval is Deficient - Missing the final (redacted). (redacted) in file does not match the final (redacted). (redacted) reflects other monthly payments of (redacted). Actual other payments (redacted). - 11/04/2025 EV2/B - Investor Acknowledged Exception to allow DTI up to (redacted). |  | ROR 0009 Loan Disbursement Date is on or before the required Right of Rescission Expiration Date - Missing the final settlement statement and final CD for Dry funding state. CD signed at closing was issued on (redacted) with a stated closing date of (redacted) and disbursement date of (redacted). The loan was not closed until (redacted) and the ROR was hand corrected with an expiration date of (redacted). Estimated settlement statement in file reflects disbursement date of (redacted). - 10/24/2025 Final settlement statement and CD received. Funding date of (redacted) confirmed.<br>TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated (redacted) does not indicate if the borrower declined an escrow account or if the lender does not offer one. - 10/24/2025 Final CD for dry funding state received indicates the lender did not offer an escrow account.<br>CRED 0093 Credit Documentation is Insufficient - Missing documentation to verify the following liabilities disclosed on the final (redacted). <br>(redacted) - 10/28/2025 Email received from lender: (redacted) debt is reported as (redacted) installment on the CBR. Account status is cleared/paid as agreed but reflects actual payment of (redacted), Balance (redacted), Scheduled payment (redacted). This debt will be excluded.<br>|  |
| 900002036 | XXXX | Approved | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 72.44%. ; Disposable Income - The loan has residual income of $4,167.62 monthly.; Low DTI - Maximum DTI of 45% with review DTI of 35.22%.; Verified reserves - No reserves are required; however, the borrower(s) have reserves with verified liquid assets of 33 months.; Verified credit history - Required FICO of 680 with actual FICO of 735.; | TRID 0148 LE or CD is Deficient - Loan Disclosures / Escrows section of Final CD dated does not indicate if the borrower declined an escrow account or if the lender does not offer one. - EV2/B Non-Material |  | TITL 0003 Title Issue affecting Lien Position - Missing copy of completed Quit Claim Deed removing Ex from title. - 10/24/2025 Copy of recorded deed received.<br>|  |
| 900002035 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low OCLTV of 55.04%.; Verified employment history - Borrower has been employed with same employer for 23 years.; Verified occupancy in subject property - Borrower has occupied the subject property for 14 years.; |  |  |  |  |
| 900002048 | XXXX | Funded | 2 | 1 | 2 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 73.07%. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 5 months.; Verified credit history - Required FICO of 680 with actual FICO of 772.; Low DTI - Maximum DTI of 45% with review DTI of 37.63%.; Disposable Income - The loan has residual income of $7,795.87 monthly.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations. - EV2/ B Non-Material |  |  |  |
| 900002039 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 56.43%. ; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 6 months.; Verified credit history - Required FICO of 680 with actual FICO of 717.; Low DTI - Maximum DTI of 45% with review DTI of 42.20%.; Disposable Income - The loan has residual income of $x monthly.; |  |  | TITL 0003 Title Issue affecting Lien Position - The file is missing the final title policy showing our subject loan will be in second position and that the 9 judgments for child, family, or support reflected on the Preliminary Title pages xxx and xxx, #7 to #15 have been cleared/omitted. The PreClose credit report p.xxx shows the borrowers opened a new Home Improvement Mortgage debt in x/xx with (redacted). The contract for this debt p.xxx shows the security interest you are giving us in the Property comes ahead of the claim of any other general or secured creditor on p.xxx. (See TITL 0014 for details on judgments) - 10/31/2025 Clear FTP received.<br>TITL 0014 Title Policy - Schedule B Exception - The file is missing the final title policy showing our subject loan will be in second position and that the 9 judgments for child, family, or support reflected on the Preliminary Title pages xxx and xxx, #7 to #15 have been cleared/omitted. The file is missing documentation verifying these 9 judgments are not for x. If any of them belong to x, lender to provide documentation verifying the judgments are released or if not, provide documents for the terms of these judgments. (See TITL 0003 for details on lien position) - 10/31/2025 Clear FTP received. Document is attached to TITL 0003.<br>|  |
| 900002046 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - Low OCLTV of 69.82%.; Verified occupancy in subject property - Borrowers have occupied subject property for 8 years.; Low LTV/CLTV/HCLTV - Maximum CLTV of 75% with review CLTV of 69.82%. ; Disposable Income - The loan has residual income of $xxx monthly.; Low DTI - Maximum DTI of 45% with review DTI of 42.20%.; Verified reserves - No reserves are required; however, the cash-out on the CD shows the borrower(s) have reserves of 29 months.; Verified credit history - Required FICO of 680 with actual FICO of 784.; |  |  |  |  |
| 900002045 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrower has been employed with same employer for 15.16 years.; Verified occupancy in subject property - Borrower has occupied subject property for 3.25 years.; Verified reserves - Required 2 months of reserves with verified liquid assets of 2 months ; Low DTI - Maximum DTI of 45% with review DTI of 42.20%.; Disposable Income - The loan has residual income of $3,077.62 monthly.; Low LTV/CLTV/HCLTV - Maximum CLTV of 85% with review CLTV of 81.37%. ; |  |  |  |  |
| 900002041 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified employment history - Borrowers have been employed with their employers for 10.7 and 18.1 years respectively.; Verified occupancy in subject property - Borrowers have occupied the subject property for 4.16 years.; |  |  |  |  |
| 900002043 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 10 months of verified reserves when GL required 2 months.; Verified housing payment history - 99+ months of verified mortgage history paid 0x30 since (redacted).; Verified occupancy in subject property - Borrower has occupied the subject property for 8.08 years.; |  |  |  |  |
| 900002044 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - OCLTV of 68.01% < 80% Max.; Verified occupancy in subject property - Borrowers have occupied the subject property for 4 years.; |  |  |  |  |
| 900002050 | XXXX | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **S&P QM/ATR Designation** | **Fitch QM/ATR Designation** | **Moody's QM/ATR Designation** | **Kroll QM/ATR Designation** | **DBRS QM/ATR Designation** | **Amortization Type** | **Initial Application Date** | **Originator DTI (ASF)** | **DTI** | **Points/Fees Total** | **Points/Fees Total without reductions resulting from 'bona fide discount points'** | **Rate Lock Date** | **Residual Income** | **GSE Eligible** | **Case ID / LP AUS Key** | **APR** | **Borrower Employment Status** | **Co-Borrower Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Qualifying Interest Rate** | **APOR (if applicable)** |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8330 | 44.85% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.969% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0423 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9500 | 42.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.508% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0392 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5700 | 29.25% | XXXX | XXXX | XXXX | XXXX | XXXX | 1608723918 | 7.1% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 6.7500% | 0.0396 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed (IO) | XXXX | 48.5300 | 47.30% | XXXX | XXXX | XXXX | XXXX | XXXX | 1614295128 | 10.064% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0449 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.5500 | 45.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.57% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.0000% | 0.0507 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 48.4870 | 49.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.508% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.5000 | 43.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.266% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.6250% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.6060 | 33.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.212% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.2260 | 43.91% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.358% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0672 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.8900 | 34.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.336% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.5000% | 0.0661 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.1430 | 42.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.699% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.0000% | 0.0644 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.0320 | 26.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.253% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0622 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.9350 | 44.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.225% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0646 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.8700 | 26.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.404% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0646 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.7800 | 29.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.723% | XXXX |  |  |  | XXXX |  |  |  | 11.8750% | 0.0674 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.6800 | 47.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.287% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0674 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3300 | 44.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.934% | XXXX |  |  |  | XXXX |  |  |  | 12.0000% | 0.0661 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.6370 | 46.64% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.858% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.2500% | 0.0646 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 50.0000 | 49.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.56% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0622 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.9170 | 43.67% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.768% | XXXX |  |  |  | XXXX |  |  |  | 12.0000% | 0.0661 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.6500 | 38.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.368% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0679 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.4100 | 38.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 14.713% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 13.5000% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.9850 | 46.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.376% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5950 | 42.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.447% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0703 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.5700 | 35.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.465% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.5000% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.2990 | 46.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.754% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0703 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.9520 | 38.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.805% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.0000% | 0.0696 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3300 | 43.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.074% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0729 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.3800 | 27.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.456% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0772 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.3630 | 36.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.218% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.7500% | 0.0777 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.5700 | 25.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.028% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.5000% | 0.0784 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8320 | 43.01% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.476% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.7500% | 0.0696 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3500 | 44.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.729% | XXXX |  |  |  | XXXX |  |  |  | 12.1250% | 0.0784 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.9900 | 23.25% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.987% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.3750% | 0.0784 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.1100 | 37.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.313% | XXXX |  |  |  | XXXX |  |  |  | 10.6250% | 0.0784 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.9330 | 39.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.061% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0696 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1140 | 43.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.158% | XXXX |  |  |  | XXXX |  |  |  | 11.5000% | 0.0749 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.9980 | 39.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 14.709% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 13.8750% | 0.0742 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.5060 | 31.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.973% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.3750% | 0.0772 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.1070 | 46.62% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.382% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0689 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.5710 | 48.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.818% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.0000% | 0.0696 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.3620 | 37.64% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.862% | XXXX |  |  |  | XXXX |  |  |  | 11.2500% | 0.0729 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8840 | 42.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.164% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0777 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.4820 | 38.04% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.078% | XXXX |  |  |  | XXXX |  |  |  | 11.3750% | 0.0749 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.0280 | 26.56% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.162% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0729 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5700 | 44.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.985% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0772 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.5900 | 30.83% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.097% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.5000% | 0.0749 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4600 | 44.47% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.169% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0777 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.5900 | 33.66% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 14.444% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 14.0000% | 0.0723 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.5180 | 29.19% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.697% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0784 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.2630 | 39.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.078% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.3750% | 0.0749 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7020 | 44.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.299% | XXXX |  |  |  | XXXX |  |  |  | 11.7500% | 0.0749 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.6770 | 42.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.835% | XXXX |  |  |  | XXXX |  |  |  | 12.2500% | 0.0729 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3510 | 41.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.98% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.3750% | 0.0749 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7720 | 44.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.338% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0729 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.2580 | 37.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.649% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0723 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.8430 | 36.85% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.269% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0723 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.0500 | 39.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.719% | XXXX |  |  |  | XXXX |  |  |  | 11.8750% | 0.0777 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9740 | 44.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.368% | XXXX |  |  |  | XXXX |  |  |  | 11.0000% | 0.0742 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.0920 | 42.64% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.115% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.0000% | 0.0701 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7130 | 43.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.008% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0742 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 10.2120 | 9.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.316% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0698 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.3020 | 35.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.396% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.7500% | 0.0742 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.3900 | 42.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.206% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0723 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.8050 | 29.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.302% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0701 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.2300 | 44.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.226% | XXXX |  |  |  | XXXX |  |  |  | 11.7500% | 0.0777 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4100 | 42.25% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.647% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0784 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4600 | 41.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.043% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.3750% | 0.0749 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.1400 | 31.83% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.846% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0749 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.6600 | 37.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.181% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0729 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.9990 | 39.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.994% | XXXX |  |  |  | XXXX |  |  |  | 11.2500% | 0.0742 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5620 | 43.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.788% | XXXX |  |  |  | XXXX |  |  |  | 11.3750% | 0.0729 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7810 | 42.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.099% | XXXX |  |  |  | XXXX |  |  |  | 11.3750% | 0.0742 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.6600 | 37.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.453% | XXXX |  |  |  | XXXX |  |  |  | 11.8750% | 0.0729 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3800 | 42.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.675% | XXXX |  |  |  | XXXX |  |  |  | 12.0000% | 0.0742 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.9800 | 28.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.852% | XXXX |  |  |  | XXXX |  |  |  | 12.2500% | 0.0742 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4700 | 44.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.621% | XXXX |  |  |  | XXXX |  |  |  | 12.1250% | 0.0729 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.5990 | 40.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.276% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.7500% | 0.0723 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.9920 | 43.34% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.962% | XXXX |  |  |  | XXXX |  |  |  | 10.6250% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.8450 | 40.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.843% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0729 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.2300 | 44.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.288% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.7500% | 0.0723 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.7280 | 44.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.808% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0698 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.2140 | 40.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.744% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0723 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6850 | 41.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.763% | XXXX |  |  |  | XXXX |  |  |  | 12.1250% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.9640 | 39.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.815% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.1250% | 0.0723 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.5120 | 40.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.303% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.0000% | 0.0701 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.7990 | 43.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 14.649% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 13.7500% | 0.0667 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3660 | 44.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.38% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0677 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.7570 | 43.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.022% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0701 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.6340 | 36.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.742% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0701 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8990 | 39.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.365% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.3900 | 41.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.66% | XXXX |  |  |  | XXXX |  |  |  | 12.1250% | 0.0723 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9760 | 44.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.681% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0723 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9950 | 44.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.777% | XXXX |  |  |  | XXXX |  |  |  | 11.1250% | 0.0723 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8930 | 43.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.481% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0701 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1220 | 43.12% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.487% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0645 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4100 | 43.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.335% | XXXX |  |  |  | XXXX |  |  |  | 11.8750% | 0.0723 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 17.5000 | 17.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.704% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.1250% | 0.0701 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7180 | 44.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.354% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.7530 | 23.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.41% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.8750% | 0.0723 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.6330 | 37.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.796% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.1250% | 0.0723 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5100 | 43.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.229% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.1450 | 42.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 14.255% | XXXX |  |  |  | XXXX |  |  |  | 13.5000% | 0.0701 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.7380 | 43.74% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.966% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0701 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2000 | 44.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.368% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.0000% | 0.0698 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.3530 | 41.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.057% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0667 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.0420 | 26.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.112% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.3750% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.0600 | 37.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.175% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.8750% | 0.0701 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.2100 | 30.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.099% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.6250% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.9340 | 41.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.0314% | XXXX |  |  |  | XXXX |  |  |  | 11.3750% | 0.0701 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.7230 | 34.67% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.14% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.4600 | 28.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.383% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.8750% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 17.8430 | 19.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.055% | XXXX |  |  |  | XXXX |  |  |  | 10.6250% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9010 | 44.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.584% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.0667 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 20.5650 | 21.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.043% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.3750% | 0.0655 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4570 | 43.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.828% | XXXX |  |  |  | XXXX |  |  |  | 11.3750% | 0.0655 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.4580 | 37.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.74% | XXXX |  |  |  | XXXX |  |  |  | 11.8750% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.1470 | 39.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.086% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0655 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.8240 | 23.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.016% | XXXX |  |  |  | XXXX |  |  |  | 11.6250% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.2800 | 38.56% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.238% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0604 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2700 | 44.59% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.975% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5630 | 43.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.011% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.6250% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4640 | 42.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.533% | XXXX |  |  |  | XXXX |  |  |  | 11.7500% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6320 | 43.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.241% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.8750% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.6620 | 27.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.928% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.8000 | 37.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.934% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.8300 | 25.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.871% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.1250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4300 | 43.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.249% | XXXX |  |  |  | XXXX |  |  |  | 11.7500% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.3750 | 43.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.044% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.6250% | 0.0655 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8610 | 44.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.296% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.6430 | 24.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.444% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.5200 | 36.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.467% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0618 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.9720 | 35.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.419% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.1250% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.2610 | 37.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.915% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.2500% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7630 | 44.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.249% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.6250% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.4300 | 39.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.28% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1390 | 44.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.742% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.2500% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.8380 | 29.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.476% | XXXX |  |  |  | XXXX |  |  |  | 11.0000% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.9600 | 30.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.884% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.3750% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 78.7640 | 39.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.281% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.2400 | 27.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.859% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.2900 | 42.66% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.801% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.0000% | 0.0632 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.8500 | 47.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.527% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.7990 | 32.83% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.292% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.6250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.5260 | 39.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.352% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.7500% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.5910 | 44.19% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.683% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 22.4580 | 38.01% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.475% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.6530 | 41.47% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.973% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.3750% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.0800 | 29.21% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.285% | XXXX |  |  |  | XXXX |  |  |  | 10.6250% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.5300 | 44.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.433% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5900 | 41.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.759% | XXXX |  |  |  | XXXX |  |  |  | 11.1250% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.2000 | 46.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.376% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7600 | 43.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.304% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.1250% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.9900 | 37.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.962% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6600 | 44.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.669% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.7600 | 43.19% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.45% | XXXX |  |  |  | XXXX |  |  |  | 10.6250% | 0.0635 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.2200 | 43.21% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.097% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0400 | 44.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.594% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0602 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.6500 | 35.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.018% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.8870 | 37.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.471% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.8750% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.0910 | 40.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.153% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0602 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8200 | 44.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.442% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.5610 | 32.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.123% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.5280 | 39.53% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.316% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3100 | 43.31% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.706% | XXXX |  |  |  | XXXX |  |  |  | 11.3750% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.0700 | 19.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.937% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.9150 | 42.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.94% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0655 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.6280 | 42.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.7% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.7420 | 41.74% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.714% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.3820 | 38.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.307% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7360 | 44.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.534% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.065 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4310 | 44.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.272% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.1470 | 40.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.062% | XXXX |  |  |  | XXXX |  |  |  | 11.7500% | 0.0677 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.2610 | 39.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 14.325% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 13.5000% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.8870 | 41.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.326% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.7500% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.3770 | 24.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.187% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.2750 | 38.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.466% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3060 | 41.00% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.855% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.8970 | 24.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.048% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0655 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.9250 | 24.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.356% | XXXX |  |  |  | XXXX |  |  |  | 11.7500% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.1810 | 29.51% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.847% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.4090 | 37.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.389% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.7500% | 0.0652 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0370 | 44.04% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.835% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8170 | 44.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.969% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.3770 | 32.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.743% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.1470 | 33.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.921% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1760 | 43.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.605% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.5160 | 37.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.896% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0655 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.9640 | 34.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.153% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0671 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.6250 | 41.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.616% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.4090 | 31.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.256% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.7420 | 30.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.521% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0655 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.5820 | 42.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.801% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.6250% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.3540 | 29.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.103% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0671 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.0500 | 31.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.802% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.3750% | 0.0655 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.2430 | 27.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.675% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0618 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.7310 | 27.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.849% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.7180 | 32.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.885% | XXXX |  |  |  | XXXX |  |  |  | 13.2500% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3960 | 44.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.345% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.8400 | 33.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.229% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0637 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9800 | 44.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.998% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.9000 | 38.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.156% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.4700 | 30.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.757% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5300 | 44.53% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.249% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.0430 | 36.04% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.95% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.0500 | 25.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.879% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0671 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9300 | 44.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.594% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.7800 | 42.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.122% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0677 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.9000 | 49.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.547% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.1190 | 40.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.0% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.3750% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.7450 | 41.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.132% | XXXX |  |  |  | XXXX |  |  |  | 12.6250% | 0.0671 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.4090 | 34.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.541% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0652 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2060 | 44.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.69% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.8750% | 0.066 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.6930 | 34.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.087% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.5000% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8460 | 44.62% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.394% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0621 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.8220 | 38.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.492% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.2500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9970 | 41.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.867% | XXXX |  |  |  | XXXX |  |  |  | 11.5000% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.2790 | 38.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.809% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.5000% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.7440 | 39.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.938% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0671 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0150 | 40.81% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.109% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0671 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.4480 | 37.76% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.859% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.7150 | 35.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.5% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0677 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3810 | 43.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.275% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.6250% | 0.0682 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.5380 | 40.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.162% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.7070 | 37.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.119% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.3820 | 38.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.695% | XXXX |  |  |  | XXXX |  |  |  | 13.2500% | 0.0682 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.4900 | 29.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.461% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.0682 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9980 | 44.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.724% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1920 | 44.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.376% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0671 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.2300 | 32.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.809% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.2260 | 30.27% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.608% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.6760 | 36.85% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.345% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.7680 | 40.28% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.592% | XXXX |  |  |  | XXXX |  |  |  | 11.8750% | 0.0671 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.2980 | 38.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.019% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0682 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.1460 | 21.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.483% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 7.5720 | 7.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.13% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.9880 | 42.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.262% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.6250% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.3040 | 31.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.206% | XXXX |  |  |  | XXXX |  |  |  | 11.5000% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.9430 | 38.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.935% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 22.5140 | 32.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.933% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0671 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.2440 | 32.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.754% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0639 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.8230 | 38.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.07% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.3750% | 0.0671 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5420 | 44.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.014% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0671 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.8470 | 38.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.789% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0621 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.4730 | 31.28% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.931% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0671 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.5710 | 34.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.76% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.1700 | 21.01% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.319% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0639 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.0060 | 49.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.338% | XXXX |  |  |  | XXXX |  |  |  | 12.5000% | 0.0682 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.8940 | 35.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.014% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0682 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4030 | 43.04% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.76% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0639 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.3750 | 41.19% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.921% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0637 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.1900 | 21.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.959% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.0360 | 37.66% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.617% | XXXX |  |  |  | XXXX |  |  |  | 11.1250% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3960 | 46.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.506% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.1060 | 39.81% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.223% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.3370 | 36.34% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.092% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0682 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.5500 | 39.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.905% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9590 | 44.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.469% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.4710 | 41.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.321% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0682 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.8270 | 34.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.122% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.5000% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.6180 | 35.62% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.957% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0682 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.5290 | 41.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.615% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.3750% | 0.0671 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.1810 | 26.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.072% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.9670 | 40.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.397% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.8440 | 28.47% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.241% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.4140 | 28.19% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.249% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0695 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.1000 | 37.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.347% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0671 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.6040 | 24.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.361% | XXXX |  |  |  | XXXX |  |  |  | 11.1250% | 0.0649 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.5590 | 46.56% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.222% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.1450 | 35.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.595% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0671 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.2030 | 25.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.78% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0671 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.1680 | 41.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.492% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.8180 | 40.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.254% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5010 | 42.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.217% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.8750% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.0490 | 30.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.718% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.7250 | 40.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.636% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1440 | 42.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.805% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0682 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.4900 | 21.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.722% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.0060 | 39.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.376% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.9990 | 36.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.06% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.7500% | 0.0671 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.1930 | 42.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.508% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9620 | 44.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.258% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.8260 | 38.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.082% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.9970 | 40.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.244% | XXXX |  |  |  | XXXX |  |  |  | 10.6250% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.5530 | 27.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.175% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8840 | 43.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.91% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8790 | 44.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.35% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1130 | 43.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.018% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3510 | 43.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.398% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.065 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.3980 | 35.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.499% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.5960 | 34.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.748% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0671 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.1390 | 29.67% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.985% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.3750% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.9900 | 29.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.77% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.1250 | 22.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.387% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.0830 | 22.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.451% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7560 | 44.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.88% | XXXX |  |  |  | XXXX |  |  |  | 11.3750% | 0.0719 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.7690 | 33.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.911% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0722 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.0000 | 21.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.615% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.3580 | 34.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.775% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.5610 | 35.56% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.223% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4910 | 44.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.318% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.4340 | 41.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.06% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.2450 | 39.25% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.414% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.9290 | 47.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.342% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.0000% | 0.0719 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.2880 | 41.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.489% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 48.1050 | 45.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.566% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0705 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.6880 | 36.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.149% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.9730 | 43.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.927% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.8850 | 25.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.55% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0695 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.8790 | 37.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.98% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.3750% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9320 | 42.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.522% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6720 | 43.91% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.491% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.6250% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.3710 | 38.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.302% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0629 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.9040 | 29.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.792% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0644 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.3350 | 32.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.128% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0719 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.5020 | 23.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.501% | XXXX |  |  |  | XXXX |  |  |  | 11.0000% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3750 | 42.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.231% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.0900 | 41.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.532% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.4950 | 22.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.527% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.9960 | 41.00% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.959% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.2140 | 35.21% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.578% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0705 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.0860 | 26.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.162% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.0110 | 31.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.97% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.3070 | 19.31% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.007% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.4040 | 40.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.866% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.8470 | 39.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.048% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4370 | 44.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.082% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0705 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.9910 | 41.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.66% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.7170 | 40.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.264% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.8750% | 0.0719 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.9720 | 29.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.33% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.9710 | 26.83% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.558% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0635 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.4410 | 32.59% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.316% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0719 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.5520 | 38.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.954% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1770 | 44.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.782% | XXXX |  |  |  | XXXX |  |  |  | 11.2500% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.1910 | 28.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.935% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.3990 | 40.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.257% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0695 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.1260 | 32.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.786% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1550 | 43.81% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.323% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8420 | 42.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.86% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.7670 | 24.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.148% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0705 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1400 | 41.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.732% | XXXX |  |  |  | XXXX |  |  |  | 12.0000% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.7530 | 30.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.831% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.9900 | 38.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.059% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0719 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8390 | 43.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.277% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2600 | 38.51% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.087% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.0050 | 27.67% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.622% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.2500% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.2480 | 29.25% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.57% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9220 | 44.92% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.338% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8780 | 43.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.113% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.6280 | 25.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.545% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0719 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 20.9630 | 20.92% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.794% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.7700 | 47.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.966% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8990 | 43.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.193% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7350 | 44.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.757% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.2940 | 25.04% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.112% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0645 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.0160 | 37.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.888% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0708 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.2420 | 48.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.059% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0655 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9890 | 44.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.326% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.2160 | 42.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.258% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.3280 | 35.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.623% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.6740 | 38.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.883% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.6800 | 35.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.562% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0705 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.0200 | 47.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.597% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0705 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8160 | 44.47% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.873% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0696 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.0780 | 43.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.139% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.1250% | 0.0638 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.4670 | 37.47% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.96% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.0530 | 27.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.633% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0722 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.6570 | 36.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.022% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0708 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0580 | 44.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.607% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.1250% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8950 | 44.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.644% | XXXX |  |  |  | XXXX |  |  |  | 11.0000% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6770 | 42.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.175% | XXXX |  |  |  | XXXX |  |  |  | 12.5000% | 0.0696 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.5390 | 40.53% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.499% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.8980 | 31.91% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.901% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0696 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.0860 | 40.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.511% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0694 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.0780 | 31.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.112% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0722 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.9030 | 21.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.109% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.2800 | 21.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.655% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0708 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.1070 | 37.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.204% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0694 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.6020 | 42.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.643% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 12.1250% | 0.0722 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.2430 | 40.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.062% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.6250% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.8060 | 37.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.469% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.07 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 22.7080 | 22.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.311% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0695 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.7600 | 42.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.11% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.5440 | 47.27% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.092% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.064 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0830 | 44.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.75% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.9280 | 37.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.146% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.2410 | 40.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.761% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0722 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8530 | 44.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.536% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.8600 | 31.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.836% | XXXX |  |  |  | XXXX |  |  |  | 12.1250% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4800 | 42.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.981% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0722 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9300 | 44.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.553% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0671 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3310 | 44.34% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.415% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0719 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.9470 | 38.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.789% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0722 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3930 | 43.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.017% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0694 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.7110 | 35.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.29% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.5740 | 37.28% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.163% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0705 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5470 | 44.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.821% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.2500% | 0.0705 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.3490 | 37.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.008% | XXXX |  |  |  | XXXX |  |  |  | 11.3750% | 0.0696 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 18.9330 | 18.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.822% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0708 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.9490 | 35.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.863% | XXXX |  |  |  | XXXX |  |  |  | 12.1250% | 0.0705 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.9410 | 39.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.295% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0694 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.2500 | 38.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.936% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.064 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9660 | 44.67% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.271% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.7500% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9940 | 44.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.029% | XXXX |  |  |  | XXXX |  |  |  | 10.6250% | 0.0705 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9710 | 44.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.406% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0696 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.9190 | 31.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.431% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0708 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6050 | 41.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.421% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.9440 | 37.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.177% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0694 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.2620 | 30.31% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.206% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.5200 | 38.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.284% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0696 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5570 | 44.64% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.519% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.0696 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.9960 | 37.62% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.957% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0708 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7060 | 44.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.093% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0708 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6430 | 43.64% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.01% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0722 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1060 | 44.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.936% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0705 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1450 | 43.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.407% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0658 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.7810 | 31.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.309% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0696 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.6950 | 47.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.884% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0694 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0770 | 44.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.458% | XXXX |  |  |  | XXXX |  |  |  | 12.8750% | 0.0705 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.7260 | 37.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.702% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3570 | 42.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.358% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.3540 | 25.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.108% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0696 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.4860 | 32.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.827% | XXXX |  |  |  | XXXX |  |  |  | 11.1250% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2180 | 44.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.677% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 48.6460 | 48.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.755% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.1300 | 25.53% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.513% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.9930 | 42.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.454% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0708 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 10.9720 | 10.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.016% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.2730 | 36.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.737% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0653 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.5140 | 41.51% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.092% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.1600 | 36.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.134% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0695 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.3000 | 36.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.347% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8310 | 44.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.39% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.7500% | 0.0695 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.1630 | 40.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.562% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0695 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.1100 | 41.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.161% | XXXX |  |  |  | XXXX |  |  |  | 10.6250% | 0.0708 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.1380 | 33.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.552% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0699 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0670 | 44.27% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.077% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3530 | 42.47% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.117% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0696 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.4050 | 39.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.498% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.7500% | 0.0699 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2110 | 44.53% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.581% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0645 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.3610 | 33.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.893% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.2500% | 0.0708 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.6210 | 38.81% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.211% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0694 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.8000 | 33.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.34% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0708 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5120 | 42.51% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.173% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0708 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.9970 | 27.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.463% | XXXX |  |  |  | XXXX |  |  |  | 8.0000% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8990 | 44.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.909% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6110 | 43.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.472% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0699 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.2490 | 42.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.954% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.1680 | 25.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.012% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0694 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5480 | 48.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.943% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0722 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 22.3540 | 22.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.453% | XXXX |  |  |  | XXXX |  |  |  | 11.2500% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.9140 | 41.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.231% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.8750% | 0.0719 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9990 | 45.00% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.578% | XXXX |  |  |  | XXXX |  |  |  | 11.8750% | 0.0696 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0930 | 44.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.502% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0708 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 22.3560 | 22.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.788% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0694 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.0890 | 36.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.224% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0699 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.3300 | 41.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.223% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6500 | 44.03% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.337% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4860 | 42.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.939% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0695 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.1690 | 44.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.448% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.7580 | 41.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.324% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0699 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8550 | 35.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.363% | XXXX |  |  |  | XXXX |  |  |  | 8.0000% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9840 | 44.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.244% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9990 | 44.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.427% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0694 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.7110 | 23.53% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.645% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.4300 | 32.34% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.426% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0694 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.5590 | 35.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.686% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0699 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.6790 | 35.66% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.312% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0694 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8200 | 44.34% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.382% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0694 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.4570 | 31.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.986% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.8090 | 42.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.834% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0693 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.9340 | 25.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.66% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6930 | 44.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.192% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.9020 | 49.91% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.013% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.5620 | 23.12% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.088% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.6250% | 0.0694 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.1760 | 39.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.614% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.3450 | 46.34% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.856% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0699 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6950 | 42.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.037% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.6600 | 41.66% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.343% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.1910 | 42.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.76% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.5790 | 32.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.233% | XXXX |  |  |  | XXXX |  |  |  | 11.8750% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.9660 | 38.76% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.058% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.7210 | 39.03% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.418% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.9930 | 23.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.474% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0699 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.5280 | 40.21% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.409% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 48.5430 | 40.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.578% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 20.1350 | 20.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.328% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.2000 | 47.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.193% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.6930 | 32.21% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.143% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0699 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9900 | 43.67% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.096% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.9150 | 49.92% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.448% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0699 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.0080 | 39.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.894% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0693 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.8390 | 37.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.951% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9500 | 44.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.184% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9990 | 45.00% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.005% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.6710 | 19.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.381% | XXXX |  |  |  | XXXX |  |  |  | 11.0000% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.0310 | 38.03% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.212% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.9260 | 32.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.014% | XXXX |  |  |  | XXXX |  |  |  | 11.2500% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6000 | 43.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.613% | XXXX |  |  |  | XXXX |  |  |  | 11.0000% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.0180 | 37.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.842% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6170 | 43.62% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.429% | XXXX |  |  |  | XXXX |  |  |  | 11.8750% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5000 | 42.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.632% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1600 | 43.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.02% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.068 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.0750 | 43.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.445% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.5830 | 42.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.677% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0705 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.4580 | 28.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.074% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0686 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.3420 | 48.81% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.625% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.3110 | 41.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.655% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.0950 | 34.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.917% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8040 | 41.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.671% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.1250% | 0.0699 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.1050 | 27.23% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.583% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0629 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.7500 | 35.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.372% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8140 | 34.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.548% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0699 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4420 | 45.00% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.299% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.7500% | 0.0643 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6460 | 34.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.63% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.6890 | 42.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.27% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.068 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8840 | 44.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.018% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8560 | 43.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.348% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0699 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7770 | 46.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.717% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0699 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4640 | 42.00% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.941% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.7150 | 30.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.18% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.8680 | 38.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.681% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0645 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1600 | 44.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.117% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.0470 | 35.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.182% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.1070 | 47.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.388% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0645 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5900 | 44.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.883% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9300 | 44.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.234% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.7540 | 36.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.832% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.7770 | 37.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.954% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9190 | 44.92% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.172% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.6080 | 38.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 13.487% | XXXX |  |  |  | XXXX |  |  |  | 12.6250% | 0.068 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.6730 | 33.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.806% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0669 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.2700 | 42.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.058% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0699 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.4520 | 22.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.724% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.6300 | 35.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.468% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.1410 | 26.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.965% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.6430 | 42.64% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.053% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.6140 | 48.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.56% | XXXX | XXXX | XXXX |  | XXXX | XXXX | US Citizen |  | 8.3750% | 0.0643 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.8700 | 45.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.289% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6080 | 43.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.643% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.8630 | 25.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.197% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0643 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.5780 | 39.21% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.267% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0645 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.2430 | 40.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.286% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4730 | 42.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.467% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.068 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9250 | 44.91% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.797% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0669 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3860 | 43.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.191% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.0000% | 0.0645 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.4290 | 23.64% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.158% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0645 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.9320 | 31.92% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.882% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.8880 | 35.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.751% | XXXX |  |  |  | XXXX |  |  |  | 11.6250% | 0.0645 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4150 | 43.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.144% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0643 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3890 | 43.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.121% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.5900 | 38.59% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.81% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0643 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9880 | 44.76% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.273% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0635 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9300 | 44.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.341% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0643 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8780 | 42.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.696% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0635 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.4380 | 37.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.43% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0645 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.7480 | 32.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.616% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0645 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.9520 | 45.85% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.502% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0645 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.4820 | 39.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.921% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0645 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.9820 | 41.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.197% | XXXX |  |  |  | XXXX |  |  |  | 11.3750% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.4570 | 28.12% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.528% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0635 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.6300 | 38.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.816% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0581 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.8550 | 40.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.927% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0623 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.2220 | 35.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.166% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5110 | 42.51% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.163% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0645 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1200 | 42.74% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.803% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0643 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.7480 | 39.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.618% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2710 | 44.28% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.47% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0584 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.5920 | 36.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.895% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0643 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8660 | 43.03% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.648% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0635 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.6400 | 42.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.292% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.068 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8070 | 42.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.721% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0638 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.0070 | 19.01% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.513% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0669 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8330 | 42.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.342% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0669 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.8460 | 34.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.213% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0643 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1590 | 43.31% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.704% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0566 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.5480 | 26.21% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.622% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0686 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.1400 | 37.04% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.236% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.3500 | 40.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.691% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.5000% | 0.0635 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.9090 | 46.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.172% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0643 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.6760 | 33.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.709% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0643 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4480 | 42.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.154% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0645 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.9340 | 39.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.76% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0632 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.0650 | 23.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.75% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.0820 | 37.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.787% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0643 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8310 | 44.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.304% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0632 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.5020 | 39.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.775% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0669 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.7600 | 37.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.742% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0643 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.6300 | 33.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.714% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0615 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.4100 | 41.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.173% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0632 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.4230 | 21.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.633% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.6250% | 0.0615 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.3700 | 39.83% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.712% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0604 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.5350 | 33.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.667% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0632 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.5180 | 38.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.937% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.068 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6180 | 44.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.23% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0615 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4100 | 39.67% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.825% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0632 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5850 | 44.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.037% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.061 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9220 | 42.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.85% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.061 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.1130 | 38.04% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.9% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5540 | 44.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.345% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0635 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.1150 | 37.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.065% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0615 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1900 | 38.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.917% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0632 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 14.5800 | 14.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.239% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0615 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.7500 | 43.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.365% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0581 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.8200 | 48.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.442% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.3000 | 24.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.918% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0604 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2100 | 44.83% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.538% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5800 | 43.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.31% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0645 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1600 | 44.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.12% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.0000% | 0.0612 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6020 | 44.27% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.617% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0615 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.0930 | 34.27% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.654% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0604 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.5180 | 20.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.954% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0604 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.5500 | 35.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.474% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0612 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.4590 | 16.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.103% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0636 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.0800 | 34.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.538% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0584 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9770 | 44.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.257% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.0990 | 43.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.228% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.6800 | 25.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.642% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.064 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.8810 | 44.83% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.577% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.0000% | 0.0632 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.6440 | 35.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.556% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0541 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.0200 | 35.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.875% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0578 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3640 | 44.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.974% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.9400 | 28.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.436% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.061 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3300 | 43.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.476% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0632 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7800 | 45.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.201% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.061 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.5400 | 31.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.802% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0612 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.1000 | 38.51% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.149% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0636 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.6100 | 42.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.369% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.0000% | 0.0636 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.4600 | 43.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.557% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.0500 | 21.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.134% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4900 | 42.62% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.439% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0612 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.8180 | 43.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.918% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.061 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.9900 | 38.01% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.366% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0110 | 44.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.902% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.4600 | 41.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.203% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0604 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9240 | 37.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.364% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.1900 | 25.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.206% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3900 | 44.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.646% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.5100 | 27.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.542% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.061 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.2000 | 30.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.752% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0612 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9000 | 45.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.165% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.1200 | 34.35% | XXXX | XXXX | XXXX | XXXX | XXXX | 1683518897 | 9.23% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.064 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.5200 | 40.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.066% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0615 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.9000 | 42.27% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.353% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.0000% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.9300 | 33.76% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.452% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.3900 | 39.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.332% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.061 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.7870 | 42.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.925% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 18.5600 | 18.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.027% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0683 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 50.0000 | 49.47% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.245% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.064 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.2800 | 34.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.359% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0612 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.1300 | 38.51% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.974% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.2300 | 35.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.033% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.8400 | 31.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.199% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.6600 | 27.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.87% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0678 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8000 | 44.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.887% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0612 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.1500 | 37.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.361% | XXXX |  |  |  | XXXX |  |  |  | 8.0000% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.3900 | 26.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.555% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.064 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.6210 | 36.67% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.032% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.1800 | 36.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.416% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.5000 | 24.51% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.189% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0683 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.0250 | 31.04% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.982% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0628 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.4620 | 41.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.604% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0612 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.9740 | 49.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.595% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.6300 | 22.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.809% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.9710 | 41.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.527% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0612 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.8820 | 30.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.607% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0636 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.5340 | 29.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.994% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.3900 | 41.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.589% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9970 | 44.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.508% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.7960 | 42.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.323% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0678 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8780 | 44.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.13% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0678 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.6400 | 44.19% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.626% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.0800 | 28.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.936% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.1300 | 19.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.441% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2100 | 44.21% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.148% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6400 | 44.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.212% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.0000% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.6400 | 26.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.818% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4500 | 42.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.189% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0678 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4000 | 42.76% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.806% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.9500 | 48.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.12% | XXXX |  |  |  | XXXX |  |  |  | 8.0000% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6990 | 44.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.899% | XXXX |  |  |  | XXXX |  |  |  | 11.2500% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.1720 | 37.27% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.795% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0636 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4400 | 42.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.675% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.5710 | 41.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.525% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.1700 | 34.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.739% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9060 | 44.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.048% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0678 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.9800 | 49.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.548% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 56.1730 | 33.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.354% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.9350 | 39.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.495% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4460 | 42.56% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.211% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.0620 | 36.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.157% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.9780 | 28.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.152% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0683 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.5500 | 37.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.495% | XXXX |  |  |  | XXXX |  |  |  | 8.0000% | 0.0683 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.5820 | 46.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.503% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.4100 | 41.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.902% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.4600 | 38.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.089% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0633 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.6400 | 43.31% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.468% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0633 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 48.7800 | 49.62% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.58% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0604 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 16.9500 | 28.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.09% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.5500 | 27.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.779% | XXXX |  |  |  | XXXX |  |  |  | 11.0000% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9700 | 43.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.453% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.1100 | 42.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.616% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9800 | 44.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.129% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5600 | 43.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.825% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5500 | 42.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.558% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.7000 | 32.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.581% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0588 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.0300 | 36.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.179% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0678 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.0300 | 40.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.545% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.8800 | 48.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.928% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.2200 | 34.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.086% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0659 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.2800 | 43.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.044% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0628 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.3800 | 39.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.865% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.0240 | 42.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.908% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0645 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.3610 | 40.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.537% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.9500 | 19.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.563% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.4720 | 42.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.149% | XXXX |  |  |  | XXXX |  |  |  | 11.6250% | 0.0683 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1870 | 43.19% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.301% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0683 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.3580 | 38.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.208% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.8690 | 32.92% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.631% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.7300 | 29.76% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.256% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.2610 | 28.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.21% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5370 | 43.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.755% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.8340 | 41.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.17% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.8490 | 36.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.98% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 48.5500 | 43.02% | XXXX | XXXX | XXXX | XXXX | XXXX | 1684477036 | 8.374% | XXXX | XXXX | XXXX |  | XXXX | XXXX | US Citizen |  | 8.1250% | 0.0588 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.6160 | 29.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.328% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0678 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.3480 | 33.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.913% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.0730 | 33.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.533% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.7670 | 33.76% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.891% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4920 | 45.01% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.755% | XXXX |  |  |  | XXXX |  |  |  | 11.0000% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.7770 | 41.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.991% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.8300 | 31.83% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.353% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.7620 | 35.47% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.091% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 10.3500 | 11.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.491% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0669 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.9720 | 27.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.305% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.4500 | 35.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.192% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8600 | 41.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.658% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4500 | 42.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.475% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 6.1700 | 6.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.363% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.2180 | 24.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.386% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.4500 | 27.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.772% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.2490 | 42.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.483% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.063 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.3700 | 31.92% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.846% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0678 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.1300 | 38.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.526% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4500 | 44.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.655% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7100 | 42.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.69% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.2300 | 28.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.401% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5600 | 42.56% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.156% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0683 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5900 | 40.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.362% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.7400 | 36.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.405% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.4900 | 33.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.116% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0606 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.5760 | 34.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.2% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.4630 | 33.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.722% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.5870 | 37.59% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.416% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.6190 | 26.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.007% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.6400 | 41.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.201% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.3750% | 0.0639 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1900 | 40.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.308% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5340 | 42.53% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.014% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.5000% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.2080 | 41.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.364% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3310 | 43.23% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.367% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0606 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9900 | 39.25% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.557% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.4000 | 31.03% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.091% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.0610 | 40.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.211% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.7800 | 39.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.627% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.7500 | 26.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.829% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.8920 | 24.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.46% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.069 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9100 | 48.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.955% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9700 | 44.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.436% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0669 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3200 | 44.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.243% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.0200 | 32.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.49% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.3500 | 39.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.524% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.9600 | 41.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.73% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.9940 | 30.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.616% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.3810 | 19.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.103% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0669 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.3770 | 33.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.416% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.7900 | 34.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.497% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.6400 | 39.12% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.925% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0669 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.7200 | 47.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.217% | XXXX |  |  |  | XXXX |  |  |  | 8.0000% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2300 | 44.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.902% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 18.0300 | 18.03% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.155% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.7600 | 41.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.238% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.2500 | 30.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.789% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0677 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.0800 | 40.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.978% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.062 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.3800 | 33.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.077% | XXXX |  |  |  | XXXX |  |  |  | 8.0000% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0160 | 45.04% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.26% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8240 | 42.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.752% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0669 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6000 | 41.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.42% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.063 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.1600 | 39.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.853% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.1500 | 42.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.177% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.8500 | 33.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.902% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4000 | 41.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.127% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0500 | 44.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.45% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.4700 | 40.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.973% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0698 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0200 | 43.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.733% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8320 | 42.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.778% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0676 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9700 | 43.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.538% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0707 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.3900 | 37.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.425% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0707 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.1000 | 47.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.213% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.0000% | 0.0669 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.3700 | 32.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.795% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.5400 | 36.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.242% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.062 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5100 | 40.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.675% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0689 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.3100 | 24.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.508% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0693 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.6100 | 45.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.875% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0700 | 44.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.723% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0689 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.5300 | 34.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.539% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.0000% | 0.0689 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.3600 | 44.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.786% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.0000 | 38.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.875% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.069 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 20.7100 | 20.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.895% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.2600 | 42.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.026% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0707 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.2600 | 37.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.483% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.6250% | 0.0628 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4100 | 42.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.227% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0659 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.1510 | 37.64% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.458% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.3700 | 35.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.657% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.0300 | 42.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.5% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0707 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.5400 | 26.28% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.006% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 17.8440 | 17.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.957% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5760 | 43.01% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.756% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0707 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 15.3310 | 15.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.323% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0689 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.4350 | 48.23% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.639% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0707 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4830 | 43.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.973% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.2230 | 41.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.888% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0707 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.7680 | 26.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.281% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.0000% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.5530 | 40.27% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.633% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0639 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.9200 | 43.92% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.022% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0698 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2050 | 43.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.476% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0693 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.9230 | 35.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.531% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.8750% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.2800 | 38.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.823% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.9200 | 39.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.211% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8800 | 41.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.377% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5510 | 44.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.203% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0667 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.0600 | 33.23% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.007% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0635 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.7400 | 40.31% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.46% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0698 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.1700 | 33.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.869% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0679 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4400 | 44.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.25% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.7600 | 35.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.506% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.5950 | 29.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.75% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.9850 | 27.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.122% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.1310 | 29.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.079% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0698 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.3500 | 35.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.35% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0707 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.0100 | 44.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.195% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0676 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8260 | 45.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.723% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5520 | 37.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.243% | XXXX |  |  |  | XXXX |  |  |  | 8.0000% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.0030 | 39.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.534% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.2520 | 34.25% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.776% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9080 | 44.56% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.424% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.0350 | 33.01% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.365% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.8140 | 31.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.084% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.2090 | 40.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.426% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.1900 | 39.47% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.402% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.6100 | 28.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.487% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.1210 | 39.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.369% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.1110 | 18.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.263% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.1400 | 40.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.022% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9860 | 44.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.397% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0707 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5450 | 42.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.474% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0698 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.6980 | 40.64% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.374% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.1760 | 37.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.075% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.9000 | 44.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.108% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0687 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.7210 | 47.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.884% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3200 | 44.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.362% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.0000% | 0.0693 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3610 | 42.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.559% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6360 | 43.64% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.714% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.1080 | 21.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.724% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.1760 | 49.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.923% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0687 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9830 | 44.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.472% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.9960 | 32.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.487% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0645 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.7160 | 34.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.554% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.3200 | 41.00% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.601% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.3770 | 33.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.24% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0639 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3900 | 43.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.746% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0707 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.4520 | 17.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.573% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0662 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5820 | 42.85% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.669% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 14.5770 | 14.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.964% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9360 | 39.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.023% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.9520 | 43.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.172% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0693 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.9650 | 32.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.032% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.6250% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.4890 | 21.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.768% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0687 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.2980 | 41.25% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.907% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4500 | 43.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.491% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.1600 | 41.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.526% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.9700 | 36.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.881% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.7500 | 42.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.39% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0687 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.1100 | 28.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.225% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.6900 | 42.34% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.587% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.0900 | 29.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.998% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0687 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4300 | 43.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.227% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.1400 | 33.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.457% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0685 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.7000 | 26.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.294% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0707 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3500 | 44.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.796% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.6800 | 38.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.689% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0685 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.1100 | 28.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.897% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8610 | 44.56% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.664% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.6380 | 35.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.382% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0685 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8660 | 44.85% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.417% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.5000 | 45.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.207% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.0000% | 0.0685 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.8500 | 37.85% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.954% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0685 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.6720 | 38.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.166% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 16.7320 | 16.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.563% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0685 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.4120 | 37.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.274% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.7500% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.6960 | 42.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.376% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.3480 | 24.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.063% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.4270 | 40.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.994% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.2320 | 28.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.906% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0662 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.7270 | 37.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.778% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5950 | 41.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.828% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.9860 | 39.59% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.541% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.2560 | 37.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.995% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.0890 | 40.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.467% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4040 | 42.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.279% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7810 | 44.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.287% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.7910 | 36.91% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.975% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.8380 | 36.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.995% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4620 | 41.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.436% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0685 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.4720 | 26.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.061% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.8980 | 36.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.009% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0662 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 2.5550 | 2.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.243% | XXXX |  |  |  | XXXX |  |  |  | 9.9900% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.8980 | 38.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.09% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0685 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.0880 | 29.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.104% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0698 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.6080 | 36.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.423% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.6200 | 43.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.021% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0693 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8740 | 44.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.875% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.2500% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0800 | 44.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.078% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.9280 | 40.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.469% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.2710 | 39.27% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.951% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0629 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.1520 | 42.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.885% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3920 | 44.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.091% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.7750 | 32.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.734% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.0310 | 28.03% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.624% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.7500% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.3990 | 36.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.23% | XXXX |  |  |  | XXXX |  |  |  | 11.6250% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.5270 | 39.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.65% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.1960 | 38.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.627% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4190 | 44.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.856% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0685 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.8660 | 42.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.849% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0685 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9910 | 43.62% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.51% | XXXX |  |  |  | XXXX |  |  |  | 11.2500% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4840 | 41.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.53% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.3610 | 42.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.532% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.2570 | 42.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.368% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.3570 | 32.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.198% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.1300 | 34.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.91% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0687 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.6650 | 33.67% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.547% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7800 | 44.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.409% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0634 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.4470 | 32.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.583% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.0230 | 36.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.201% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0423 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6800 | 44.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.591% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6390 | 44.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.157% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.3070 | 31.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.288% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.8740 | 27.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.182% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.3400 | 37.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.859% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.8460 | 33.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.235% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.6640 | 25.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.414% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2990 | 42.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.253% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0662 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.5580 | 24.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.426% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.2210 | 30.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.509% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 18.2190 | 18.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.711% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.2160 | 29.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.837% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0673 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6820 | 43.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.976% | XXXX |  |  |  | XXXX |  |  |  | 10.5000% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.6330 | 27.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.389% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.8380 | 37.62% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.53% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0607 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.6420 | 42.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.438% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0631 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 22.2510 | 21.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.341% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0662 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.6340 | 39.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.578% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.2550 | 34.92% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.078% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.8460 | 35.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.13% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.8200 | 32.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.619% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.5730 | 27.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.724% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.1370 | 41.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.581% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.0570 | 31.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.64% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.0330 | 34.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.096% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0685 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.5760 | 25.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.232% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.0710 | 49.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.704% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 20.9440 | 20.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.584% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3450 | 44.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.001% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7550 | 43.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.211% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3870 | 42.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.738% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0673 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3330 | 42.56% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.286% | XXXX |  |  |  | XXXX |  |  |  | 8.9900% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 16.2710 | 16.31% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.489% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.9850 | 35.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.139% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.7150 | 31.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.308% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.2130 | 40.21% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.424% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.1750 | 31.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.562% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2370 | 44.23% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.52% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.6060 | 37.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.254% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.3660 | 37.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.888% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0605 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.7150 | 23.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.786% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4180 | 42.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.719% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.2230 | 41.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.399% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.3510 | 32.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.405% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9150 | 44.91% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.844% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3370 | 44.34% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.632% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.6780 | 21.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.506% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4970 | 42.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.79% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.9740 | 35.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.286% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4410 | 44.47% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.972% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2570 | 43.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.102% | XXXX |  |  |  | XXXX |  |  |  | 11.5000% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 20.0340 | 20.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.931% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0685 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.5580 | 39.34% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.246% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0662 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 17.8460 | 16.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.955% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.6810 | 28.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.301% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.3260 | 28.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.987% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.2600 | 40.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.095% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8000 | 43.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.429% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 48.8400 | 47.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.436% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3100 | 42.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.832% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.6800 | 33.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.844% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.067 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.0850 | 43.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.725% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.7320 | 42.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.885% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.5290 | 37.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.755% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.5540 | 19.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.261% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.9960 | 37.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.931% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.1550 | 48.91% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.215% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.3000 | 32.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.539% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.6300 | 30.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.261% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8700 | 42.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.978% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9800 | 44.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.153% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0593 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.1500 | 37.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.72% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0665 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.7500 | 49.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.642% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.8800 | 41.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.115% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.1700 | 24.13% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.827% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0662 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.5260 | 40.53% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.936% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.9900 | 49.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.204% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5900 | 43.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.884% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.067 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1000 | 44.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.378% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.8900 | 39.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.488% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.9900% | 0.0662 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3600 | 42.74% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.095% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 17.4500 | 17.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.976% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.2100 | 37.23% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.223% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.9900% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.6500 | 39.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.35% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0605 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0900 | 41.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.676% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.067 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.1400 | 36.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.821% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.067 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.9200 | 37.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.664% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.6050 | 19.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.048% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.067 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.4900 | 32.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.301% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.9900% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.2240 | 36.85% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.845% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0644 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.9340 | 43.53% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.602% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.1580 | 40.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.486% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.8190 | 44.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.67% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.067 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.6100 | 48.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.53% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.7000 | 34.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.226% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.9900 | 35.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.837% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3000 | 42.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.321% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9030 | 42.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.552% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.067 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.2120 | 42.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.211% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0627 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.8400 | 39.67% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.943% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.3300 | 35.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.23% | XXXX |  |  |  | XXXX |  |  |  | 10.6250% | 0.0681 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.4300 | 32.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.837% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0618 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.8600 | 35.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.157% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.0900 | 39.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.252% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0618 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.1700 | 43.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.784% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.2580 | 49.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.704% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.3300 | 36.28% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.385% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.9900% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.4500 | 36.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.544% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.0800 | 42.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.401% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.067 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.9200 | 38.64% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.173% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0594 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1400 | 44.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.359% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.067 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5630 | 41.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.239% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.0200 | 34.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.275% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.067 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.1620 | 28.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.431% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.067 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9000 | 44.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.545% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.2480 | 39.25% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.447% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0643 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.1050 | 41.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.151% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.067 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.3630 | 32.19% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.842% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.068 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.2630 | 40.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.958% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.067 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.8950 | 25.75% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.123% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.9900% | 0.0674 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.3100 | 38.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.233% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0623 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7800 | 43.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.232% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0618 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 20.0800 | 20.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.671% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.6700 | 34.31% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.501% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.068 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2800 | 36.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.451% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.067 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.1050 | 26.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.89% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.7890 | 35.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.303% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.3700 | 25.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.114% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.2630 | 30.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.046% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.3790 | 31.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.751% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.7100 | 43.01% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.353% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0674 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.3550 | 23.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.991% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.4000 | 49.00% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.923% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.068 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 48.5520 | 46.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.38% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.0770 | 39.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.343% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5970 | 44.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.743% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0662 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 16.2490 | 16.25% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.495% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.2880 | 30.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.409% | XXXX |  |  |  | XXXX |  |  |  | 9.9900% | 0.0674 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.0050 | 32.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.72% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.7570 | 43.76% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.734% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.3810 | 30.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.672% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.3040 | 21.07% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.418% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.0490 | 39.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.055% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.0600 | 40.01% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.786% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8860 | 41.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.392% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0666 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.0760 | 43.19% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.16% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6900 | 42.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.381% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9270 | 42.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.235% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0666 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.2050 | 40.23% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.708% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0662 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.9740 | 49.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.344% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.9430 | 41.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.484% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.8690 | 41.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.023% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.7920 | 38.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.989% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.3750% | 0.068 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 7.6600 | 7.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.897% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0662 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7600 | 44.76% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.865% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.067 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4800 | 44.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.432% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9800 | 44.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.923% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0693 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.2600 | 34.26% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.798% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8560 | 42.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.496% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.3200 | 38.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.668% | XXXX |  |  |  | XXXX |  |  |  | 10.3750% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.1700 | 40.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.64% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0616 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6000 | 44.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.289% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8900 | 44.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.373% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7000 | 44.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.315% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.5200 | 36.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.883% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0605 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4800 | 44.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.098% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.9900% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.8300 | 25.83% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.301% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.5690 | 25.83% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.054% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0674 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.1500 | 33.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.287% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.6950 | 42.69% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.326% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.0100 | 28.56% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.007% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0693 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1640 | 43.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.786% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8350 | 44.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.679% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.3600 | 38.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.358% | XXXX |  |  |  | XXXX |  |  |  | 11.5000% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.6950 | 49.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.183% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.4100 | 41.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.115% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.8750% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6880 | 44.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.827% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0616 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.2000 | 31.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.898% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0693 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9970 | 45.00% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.362% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4500 | 42.81% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.714% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.1500 | 23.15% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.012% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.0500 | 35.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.551% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.7900 | 39.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.804% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0681 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.7780 | 43.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.525% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0674 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.7700 | 36.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.485% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0634 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.8400 | 36.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.035% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.4040 | 27.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.291% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.3200 | 31.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.084% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6290 | 41.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.402% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.8750% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.2000 | 39.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.375% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8950 | 39.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.671% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0651 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4870 | 44.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.593% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5480 | 44.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.98% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.5910 | 38.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.739% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0687 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 7.4200 | 7.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.009% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.0680 | 39.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.114% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0687 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.8900 | 38.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.369% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.7080 | 39.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.09% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3300 | 42.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.653% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9670 | 42.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.954% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.4700 | 34.92% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.928% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0693 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 17.4390 | 17.27% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.135% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1000 | 43.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.055% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0683 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4900 | 43.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.073% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.6900 | 40.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.071% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.068 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.8300 | 27.61% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.135% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0687 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.9300 | 37.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.863% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0617 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.6700 | 36.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.348% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0300 | 44.19% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.222% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.6830 | 42.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.163% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0689 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 8.2170 | 6.59% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.474% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3700 | 41.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.978% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.0500 | 34.53% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.684% | XXXX |  |  |  | XXXX |  |  |  | 10.1250% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.8800 | 34.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.691% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.7700 | 29.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.003% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.1100 | 19.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.269% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.8100 | 41.81% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.394% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0617 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 22.5200 | 22.16% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.818% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0693 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.3500 | 41.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.777% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.7800 | 41.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.848% | XXXX |  |  |  | XXXX |  |  |  | 11.6250% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.1500 | 39.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.847% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.0600 | 41.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.153% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0687 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.2800 | 42.28% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.003% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.4900 | 35.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.679% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.7700 | 42.77% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.18% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9500 | 42.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.503% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.7900 | 42.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.21% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 26.2100 | 28.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.542% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0674 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.0500 | 28.56% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.295% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.068 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.7100 | 42.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.49% | XXXX |  |  |  | XXXX |  |  |  | 9.8750% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.2600 | 36.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.559% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.2200 | 36.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.457% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0688 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.8100 | 41.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.422% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0677 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6400 | 58.79% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.202% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.1200 | 21.12% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.566% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.0300 | 33.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.907% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0648 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.6400 | 42.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.21% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.9800 | 39.98% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.502% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.4900 | 48.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.387% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.067 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.0000 | 31.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.481% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0689 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7300 | 41.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.059% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0667 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4400 | 40.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.961% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.7900 | 41.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.887% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0900 | 44.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.741% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0651 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5400 | 44.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.357% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.0000% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.5100 | 36.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.24% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0626 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 22.1100 | 22.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.87% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0614 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3460 | 43.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.34% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.7500% | 0.0618 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5600 | 42.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.06% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.4500 | 38.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.733% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.5900 | 34.59% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.002% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.7900 | 41.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.72% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0614 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.5100 | 29.51% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.635% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.064 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.0050 | 44.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.525% | XXXX |  |  |  | XXXX |  |  |  | 10.7500% | 0.0683 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5400 | 42.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.96% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8730 | 44.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.76% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0689 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4980 | 42.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.034% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0689 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.7400 | 43.74% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.586% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.1250% | 0.0665 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.8700 | 41.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.223% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6800 | 44.68% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.781% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9550 | 42.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.512% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9520 | 43.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.996% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0667 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.1440 | 41.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.46% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0675 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4330 | 41.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.127% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0667 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.5850 | 36.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.119% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0679 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.0170 | 27.25% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.915% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7260 | 44.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.051% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8240 | 43.76% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.388% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.9990 | 41.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.246% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.3700 | 40.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.962% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0677 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.8500 | 47.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.552% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.2800 | 32.28% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.207% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.8300 | 43.58% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.742% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.6640 | 40.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.074% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0677 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9100 | 44.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.651% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0667 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.2700 | 43.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.491% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.9900% | 0.0675 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9950 | 45.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.065% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.7030 | 38.38% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.222% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0689 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.2050 | 26.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.908% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.7500 | 41.74% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.61% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0689 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.4600 | 30.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.365% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.6000 | 18.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.19% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.7800 | 37.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.568% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.9900% | 0.0667 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.6300 | 36.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.11% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 11.3750% | 0.0689 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6300 | 44.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.848% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.2610 | 42.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.346% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0667 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.0800 | 20.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.448% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.7000 | 40.83% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.977% | XXXX |  |  |  | XXXX |  |  |  | 11.3750% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.4500 | 39.45% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.865% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0667 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.6600 | 27.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.844% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0667 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.8000 | 32.85% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.641% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.9920 | 39.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.378% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.0800 | 41.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.784% | XXXX |  |  |  | XXXX |  |  |  | 10.2500% | 0.0692 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.8000 | 29.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.032% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.9200 | 39.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.612% | XXXX |  |  |  | XXXX |  |  |  | 10.8750% | 0.0667 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.7300 | 42.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.883% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.06 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.6800 | 41.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.88% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.5000% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6900 | 44.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.17% | XXXX |  |  |  | XXXX |  |  |  | 9.7500% | 0.0675 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.6900 | 41.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.189% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7100 | 44.59% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.352% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0675 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3070 | 44.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.736% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0688 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3000 | 46.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.53% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.7500% | 0.0667 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.7010 | 30.70% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.367% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.6250% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.9750 | 28.02% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.994% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.6250% | 0.0675 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.7600 | 35.94% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.021% | XXXX |  |  |  | XXXX |  |  |  | 9.5000% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.0700 | 41.74% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.812% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.7950 | 37.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.369% | XXXX |  |  |  | XXXX |  |  |  | 11.6250% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 29.3400 | 29.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.88% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0601 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8700 | 43.59% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.883% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 24.1890 | 24.19% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.951% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0675 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 16.2100 | 17.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.166% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0675 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3890 | 44.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.096% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.6100 | 43.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.418% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0626 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3200 | 42.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.899% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0667 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.9700 | 40.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.789% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.2500% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.1200 | 36.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.399% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0667 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.2400 | 36.03% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.576% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.2600 | 43.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.92% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4800 | 44.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.785% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.3300 | 40.33% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.556% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.4900 | 34.23% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.882% | XXXX |  |  |  | XXXX |  |  |  | 7.5000% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 19.8900 | 19.89% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.131% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.5000 | 37.03% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.049% | XXXX |  |  |  | XXXX |  |  |  | 7.5000% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.3000 | 48.31% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.087% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5300 | 41.71% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.744% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 23.1900 | 22.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.87% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.0300 | 30.03% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.68% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.0000 | 44.47% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.753% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0607 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.3700 | 44.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.683% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.2500 | 43.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.65% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0591 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9800 | 44.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.139% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9900 | 44.99% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.477% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5800 | 44.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.762% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.8900 | 35.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.423% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0614 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.3200 | 34.31% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.816% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.0000 | 42.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.612% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0661 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.4390 | 44.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.004% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9400 | 42.85% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.009% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.3750% | 0.0677 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.2540 | 39.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.602% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0675 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.9600 | 41.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.841% | XXXX |  |  |  | XXXX |  |  |  | 11.0000% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8600 | 44.86% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.767% | XXXX |  |  |  | XXXX |  |  |  | 11.8750% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.3100 | 38.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.81% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.0490 | 43.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.7% | XXXX |  |  |  | XXXX |  |  |  | 7.6250% | 0.0661 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3500 | 44.73% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.2% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0675 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8100 | 44.59% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.004% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9320 | 44.93% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.986% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1910 | 44.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.041% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0661 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 34.2910 | 32.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.533% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0602 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1400 | 42.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.938% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0679 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.4250 | 36.04% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.301% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7660 | 44.35% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.467% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0683 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.7080 | 34.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.063% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.2900 | 37.29% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.519% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5000 | 43.50% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.147% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0585 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.2000 | 41.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.735% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 18.2300 | 20.91% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.305% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.7800 | 23.66% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.092% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.6520 | 39.76% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.137% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0675 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.9800 | 22.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.829% | XXXX |  |  |  | XXXX |  |  |  | 7.7500% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.9570 | 36.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.578% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.4810 | 42.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.518% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 9.0100 | 11.65% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.782% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 48.1700 | 48.17% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.521% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.1250% | 0.0661 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.2900 | 41.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.741% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.5000% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.8600 | 32.74% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.517% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.9500 | 44.95% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.802% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 21.2400 | 21.44% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.983% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 39.0500 | 40.08% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.545% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.9900% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.3100 | 42.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.159% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.5000% | 0.0667 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.4700 | 43.46% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.968% | XXXX |  |  |  | XXXX |  |  |  | 9.6250% | 0.0601 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.2490 | 27.81% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.677% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0692 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.8100 | 42.81% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.621% | XXXX |  |  |  | XXXX |  |  |  | 10.0000% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.5750 | 43.48% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.919% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 12.8900 | 12.03% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.262% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.7400 | 31.80% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.393% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.0000% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 40.5300 | 42.57% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.061% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 3.0700 | 5.11% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.176% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.8100 | 38.84% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.874% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0654 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7500 | 44.14% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.175% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.6990 | 44.39% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.454% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0683 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.5900 | 43.18% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.605% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0661 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 30.3810 | 30.37% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.26% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 17.4100 | 17.41% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.815% | XXXX |  |  |  | XXXX |  |  |  | 9.2500% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.6700 | 36.67% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.536% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.3750% | 0.0661 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.9000 | 37.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.423% | XXXX |  |  |  | XXXX |  |  |  | 7.8750% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.5600 | 35.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.594% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 49.9900 | 49.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.391% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0654 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.7200 | 44.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.308% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0657 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 32.3600 | 32.36% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.751% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.2700 | 42.62% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.103% | XXXX |  |  |  | XXXX |  |  |  | 11.5000% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3800 | 44.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.86% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.1250% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 18.2300 | 18.23% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.355% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0661 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 28.9400 | 28.54% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 11.393% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 10.8750% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 31.3200 | 31.32% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.228% | XXXX |  |  |  | XXXX |  |  |  | 8.8750% | 0.0657 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.2000 | 41.20% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.274% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0654 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1900 | 44.49% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.932% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0661 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.0300 | 44.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.464% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0586 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.2300 | 42.06% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.31% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.8750% | 0.0632 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 47.2300 | 47.42% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.892% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0626 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.7600 | 42.81% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.167% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0602 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 6.2400 | 6.24% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.737% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0632 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 25.7900 | 25.43% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.448% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 33.4400 | 33.10% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.178% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.6250% | 0.0661 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 22.7400 | 22.74% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.28% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0663 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.8700 | 37.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.597% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 13.8900 | 27.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.443% | XXXX |  |  |  | XXXX |  |  |  | 9.0000% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 48.0100 | 43.78% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.209% | XXXX |  |  |  | XXXX |  |  |  | 8.7500% | 0.0661 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.8500 | 38.85% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.101% | XXXX |  |  |  | XXXX |  |  |  | 8.6250% | 0.0661 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.1900 | 43.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.108% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0657 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.5500 | 27.55% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.852% | XXXX |  |  |  | XXXX |  |  |  | 9.1250% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 36.9200 | 36.87% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.272% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.1800 | 41.96% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.225% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.8750% | 0.0679 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 37.3400 | 37.40% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.041% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0675 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 42.9000 | 42.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.473% | XXXX |  |  |  | XXXX |  |  |  | 7.9900% | 0.0654 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 43.3020 | 42.92% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.606% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.2500% | 0.0654 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 27.0840 | 27.09% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.68% | XXXX |  |  |  | XXXX |  |  |  | 8.3750% | 0.0657 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 46.9700 | 46.97% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.295% | XXXX |  |  |  | XXXX |  |  |  | 8.1250% | 0.0631 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.9970 | 49.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 8.822% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0631 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.2140 | 35.22% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.326% | XXXX |  |  |  | XXXX |  |  |  | 8.5000% | 0.0632 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 35.2100 | 35.21% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.081% | XXXX |  |  |  | XXXX |  |  |  | 8.2500% | 0.0578 |
| XXXX | XXXX | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.2540 | 37.63% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 10.105% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.5000% | 0.0622 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.5650 | 41.05% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.357% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0629 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 45.3500 | 41.90% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.935% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 7.8750% | 0.0622 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.3400 | 44.34% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 12.741% | XXXX |  |  |  | XXXX |  |  |  | 11.8750% | 0.0632 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.8220 | 44.82% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.479% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.1250% | 0.0663 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 38.5970 | 38.60% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.95% | XXXX |  |  |  | XXXX |  |  |  | 9.3750% | 0.0654 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 41.1800 | 42.30% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.298% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 8.7500% | 0.0654 |
| XXXX | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 20.5400 | 20.53% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 9.608% | XXXX | XXXX |  |  | XXXX | XXXX |  |  | 9.2500% | 0.0629 |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 6**

---

| | |
|:---|:---|
| **Origination Values** | **Post-Closing Values** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** | **Valuation Comments** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** | **Valuation Comments** |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX | 2.6 |  | Market rent page 165 and lease on page xxx. Used lower of 2 for qualification purposes. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  | Prior sale was purchase of subject by borrowers. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 10/27/2020 was transfer of deed only due to divorce. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 4.47% | XXXX | 93 | VeroValue (Veros) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.58% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Exterior condition of the subject property appears to be averageand it is located in a high demand area. Interior condition is unknown as it is an exterior order. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -1.07% | XXXX | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -5.65% | XXXX | 88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 2.5 | CU located APPR 0046 Stip XX/XX |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | CU located APPR 0046 Stip xx/xx/xxxx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 3 | CU located APPR 0046 Stip xx/xx/xxxx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | CU located APPR 0046 Stip XX/XX/XX |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 2.5 | CU located APPR 0046 Stip XX/XX/XX |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | CU located APPR 0046 Stip xx/xx/xx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 | CU see APPR 0046 Stip 10/25 |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  | VeroValue (Veros) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 22.22% | XXXX | 90 |  |  |  |  |  |  |  | Property is zoned "XXXX", however, Highest Best Use currently is SFR. GL does not provide zoning restrictions.; AVM value range $XXX to $XXX. Low value has < +10% variance from the original appraisal value of $XXXX. It is also noted that the original appraisal was completed 5 mos prior to the AVM. It is also noted that the loan file contains VA Lender's Notice of Value cert. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 1 | Subject is XX. Pending Investor acknowledgement. Subject has accessory unit that is in main home with full kitchenette/bath. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 3 | Prior sale of subject listed is outside 36 months with no prior price listed. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -15.67% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 0.92 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 46.02% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 87 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.03% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 0.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -16.99% | XXXX | 87 | XXXX | XXXX | 0.00% | XXXX | XXXX | 3.2 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 0.9 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.24% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 1 | Subject- traffic noise. Appraiser addresses and states all comps have similar location, thus no adjustments warranted. Site value addressed. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  | Per Appraiser, value increase since original purchase 2+ years ago is due to recent remodeling and upgrading and the current upward market trend. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | AVM not entered due to confidence score of 81%. Appraisal was completed after the AVM. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 8.55% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | AVM, Condition is Good; 3rd Party BPO value has a 8.55% variance from the original AVM value, which is within 10% tolerance. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 20.45% | XXXX | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | AVM with property inspection. Subject reflects Property Density as XXXX |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.81% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 8.74% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 0.08 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.96% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -29.67% | XXXX | 90 | XXXX | XXXX | 0.00% | XXXX | XXXX | 2.7 |  | No additional review is recommended as the OA estimated value appears well supported. MLS photos and descriptions via third-party websites were used to observe the comparable sales features and conditions. Low risk was determined based on a credible report and most or all areas showing adequate<br>support. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.75% | XXXX | 93 |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -27.51% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 4.5 | FNMA SSR Risk score is 2.5 thus no additional valuation is required. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | Appraisal reflects PUD, Loan closed with PUD Rider. Borrower HOI Insurance and HOA reflect name of "Condo". PUD confirmation in file as well as XXXX and title. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | Site value deemed reasonable (above 30%), no adjustments were made for site on any comps and value is supported. Also both FNMA and FHLMC SSR returned Risk scores of 1 |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -15.86% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 3 | FNMA SSR is 2.5 thus within tolerance before adding BPO > |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 86 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -11.06% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | Appraisal- 7 comparables and one listing do not support the value assessed of $xxxx due to multiple excessive net, gross and line item adjustments. Primary comps 1, 2 and 3 all reflect only positive adjustments to come in with adjusted values in support of the $xxx assessed value. Subject square footage was not bracketed by any of the first six comps. Only Comp 7 is larger than the subject and required a $xxK site adjustment and $xxK plus adjustments for quality of construction and condition with an overall positive adjustment. The only comparable that resulted in a negative overall net adjustment was Comp#5 that was due to a site adjustment for being xx acres in size. Subject is x. FNMA SSR in file (pg. 289) reflects a Collateral Risk score of 1. FHLMC did not return a score. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 1.5 | Subject reflects XXXX location. Comps provided support value.&nbsp;&nbsp;&nbsp;&nbsp; |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 2 | Subj is XXXX on XX acres. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 10.45% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.32% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Exterior need new lawn and new paint. Landscape adequately<br>maintained. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 | Two of four comparable property gross adjustments are greater than 25%. Comp3 gross adjustments are 40% and Comp4 is 29%. Appraiser addresses the differences and why comps were used. FNMA and FHLMC SSR reports obtained confirming scores of 1 and 2.5 thus value falls within expectable ranges. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 9.05% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -14.35% | XXXX | 95 | XXXX | XXXX | 0.00% | XXXX | XXXX | 3.7 | 4 | Although there are risk indicators marked, further analysis does not reveal significant deficiencies that would affect the value opinion or the outcome of the<br>report. Therefore, a Low Risk score is appropriate for this report. The OA appears to have been completed within standard appraisal guidelines and<br>procedures. The opinion of value appears to be based on the most relevant information accessed at the time of the OA and is considered to be reliable as<br>of the effective date. The opinion of value falls within the range of adjusted values and is considered to be the best representation of market value. No<br>supplemental review comps were utilized, as the sales in the OA appear to be the best indicators of value for the subject, based on location, proximity, date<br>of sale, site size, design/appeal, age, condition, GLA, and/or pool amenity. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 97 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.70% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.14% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 | Subject has XXX sq. foot accessory unit. Comps 1-6 adjusted at $XXK for the lack of one. Comp7 reflects ADU larger in size then the subject that supports value. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.04% | XXXX | 92 |  |  |  |  |  | 3.7 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.80% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3rd Party BPO value supports the appraisal value within -4.8% variance, which is deemed acceptable (Recd 2/24). |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | AVM PCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 3 | Subj is XXX. LRC exception request. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 1.86% | XXXX | 77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Appraiser notes prior "sale" appears to reflect the subject property being placed in Trust with the same owner. No consideration is shown. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | AVM Confidence score is 93. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 3 | Subj is a Site Condo (detached). |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 74 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.71% | XXXX | 92 |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 3.5 | Subject stated PUD Detached. Semi-Detached Townhome (end unit). Property type reflected as Townhome per appraiser. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 77 | CA Value AVM and PCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 1 | Comps 1, 2 and 6 closed sales are within subject's immediate neighborhood and are similar in size, room and bath count and reflect adjusted values of $XXXX, $XXXX and $XXXX which does not support the final appraisal value of the subject. Comp 6 is larger in size and bedroom count and does not support the final value. Additional closed sale comparable properties are greater than a 1 mile distance from subject which appears to be too great a distance for an an XXXX neighborhood. Comps 8 and 9 are active listings with Comp 9 being XXX miles from the subject. File does contains a FNMA and FHLMC SSR with risk scores of 1.7 and 1.0. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1 | Transfer via DEED only was prior sale of XX/XX/XX. No sale price since Deed only transfer. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investor ack exception for use of 2055. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | Prior transfer was a Deed transfer for $0 (name only). No sales price entered. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -10.36% | XXXX | 91 | XXXX | XXXX | 0.00% | XXXX | XXXX | 4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4.5 | Legal Non-conforming due to 1 unit on less than 5 acres. Can be rebuilt and common for the market per comment p358. Legal indicates potential rural, comments supporting suburban in file. The LTV reduction of 10% has not been met if this property was considered rural, but within 8 miles of central business district does not support the rural designation, only the zoning. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 72 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 1 | Zoning is xxx. Location considered xxx. No evidence of Ag on property that is xx acre. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.88% | XXXX | XXXX | XXXX | 4.06% | XXXX | 82 |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 85 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.05% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 900.00% | XXXX | 95 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | PCR eValuation with Exterior Inspec |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 2 | Internal appraisal review in file |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | Internal review pg xx. Appraisal provided a 1007 rental schedule showing rent on subject of xxx/mo, however subject shown as owner occupied. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 1.5 | Lender review pg XXX |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX | URAR Form 1004 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 reports in file |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 97 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 50 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -49.57% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | AVM completed by (Company) has FSD score of .5. Per guidelines an FSD score of <= .10 is required. AVM does not meet guideline requirements. <br>Confidence score of 50%, no guidelines for confidence score. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.88% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | AVM (pg 404) completed by Collateral Analytics has FSD score of .12. Per guidelines an FSD score of <= .10 is required. AVM does not meet guideline requirements. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 | Appraisal Review. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 | FNMA SSR score of xx. Nothing further required. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | AVM confirmed xxx location. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  | Subject listed as Rural on appraisal. Subject meets guideline requirements for rural property. 10% LTV reduction applied. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -16.17% | XXXX | 78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 3.5 | FNMA SSR score of 1.6. Full appraisal provided. AVM FSD of .22 does not meet guidelines, however full appraisal was provided. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX | URAR Form 1004 | XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  | FNMA SSR provided with xxx. No Freddie SSR in file. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 71 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.60% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1.4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | Appraisal review on page xxx. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 14.70% | XXXX | 50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 1.3 | Appraisal review page xxx. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.4 | appraisal review xxx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Property condition report in file shows no issues. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR report shows no issues p 389. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 3 | FNMA SSR of 1.6 |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | appraisal review xxx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 47.56% | XXXX | 78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | File contains 2055 exterior appraisal, AVM, and property inspection report |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR page 408 |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -9.29% | XXXX | 82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | CA Value |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1 | Cost to cure is deferred maintenance due to peeling paint. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 10.80% | XXXX | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR included no damage |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR no damage |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 6.95% | XXXX | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -20.00% | XXXX | 89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | Total Home Value |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.06% | XXXX | 92 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no damage to subject property. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | First Team Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | FSD score of.09 <.10 required. No further review required. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 1 | SSR scores <2.5. No further review required. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 5.74% | XXXX | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | HouseCanary |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI page 314 indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 98 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR 407 indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | Property Explorer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 AVMS file, lowest used for valuation. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (Vendor) FSD up to 0.13 acceptable per guideline |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR indicates no property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -4.82% | XXXX | 88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | FSD of .11 is less than .13 required for ClearCapial AVM. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 1 | Basement pictures indicate wall damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing PCI |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 4 | VM in file was ordered in error and was not utilized. Appraisal was dated after AVM. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  | SSR score provided but not part of valuation review per guidelines. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing PCI |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.13% | XXXX | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI 180 |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -9.47% | XXXX | 59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 | VM obtained prior to appraisal. Appraisal value used and SSR supports. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | Clear AVM by Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Appraisal Acknowledgement signed xx/xx/xx Property Details Report |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Property condition report indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -7.92% | XXXX | 92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 96 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI report indicates no property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -0.14% | XXXX | 87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 | VM ordered had a confidence score of 87, so full appraisal ordered. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 96 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No Agency SSRs in file. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.6 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -6.00% | XXXX | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -3.12% | XXXX | 87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 3 | VM did not support value so full appraisal was provided. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | Agile Insights Executive Summary |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | HouseCanary |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -5.00% | XXXX | 79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 1 | VM was outside of tolerance so full appraisal provided. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 96 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -10.00% | XXXX | 87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI has no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 96 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -43.66% | XXXX | 87 |  |  |  |  |  | 1.8 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 96 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 98 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Property Explorer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | Agile Insights |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 97 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 97 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearProp |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing property inspection report. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 98 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 13.64% | XXXX | 91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 2 | PCI indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 7.28% | XXXX | 89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  | Missing required property inspection report. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -7.24% | XXXX | 94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -10.64% | XXXX | 86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI Shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 80 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.39% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | VM Confidence score outside of tolerance. PCI indicates no damage.; Ordered and Recd XX/XX/XX, variance < 10% |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Agile Insights |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no damage. There are 2 VMS in the file. The lower value was used to qualify. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 30.53% | XXXX | 71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 2.75% | XXXX | 94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 166.79% | XXXX | 50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | Zoning = (zone). Appraiser comments "this is not an XX zoning". This is XX. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | CA Value |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -18.04% | XXXX | 86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -5.33% | XXXX | 76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 96 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of damage and confirms property was not listed for sale. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 71 | RealQuest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no damage to subject property. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 2 | Rural Property Requirements (prior approval required):<br>• Full appraisal required -- Met<br>• Must be Residential in Nature -- Met<br>• Marketing time on appraisal must be six months or less -- Met<br>• At least two comparable sales must have a proximity to subject of 3 miles or less and be in the same city -- Met<br>• Reduce max CLTV by 10% |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -20.75% | XXXX | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no subject property damage. 2 AVM's were completed, one was outside of tolerance so was not used as valuation. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 | Subject county, Located in Public Assistance designated area (verified XX/XX/XX). |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 97 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR indicates no property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 87 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 1.5 | PCI indicates no damage |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Property inspection report shows no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI indicates no subject property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 2.5 | xxxx guideline requirements met.<br>xxxx Property Requirements (prior approval required):<br>• Full appraisal required<br>• Must be Residential in Nature<br>• Marketing time on appraisal must be six months or less<br>• At least two comparable sales must have a proximity to subject of 3 miles or less and be in the same city<br>• Reduce max CLTV by 10% |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 1 | Property is a detached condo so condo questionnaire is not required. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -2.63% | XXXX | 95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 | Property inspection report has no indication of damage.<br>Appraisal lists property as a PUD but the title does not indicate PUD and the mortgage does not include PUD rider. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PUD Warranty form page xxx. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | ICE CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 6.10% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | AVM completed by Collateral Analytics has FSD score of .11. Per guidelines an FSD score of <= .10 is required. AVM does not meet guideline requirements. ; TPR ordered BPO |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 3 | SSR of 2.7, CDA required. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no damage |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -15.24% | XXXX | 84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ICE CA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PIR shows no indication of damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | Minor exterior painting was considered minor and not required to be completed. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Property inspection report shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -2.40% | XXXX | 88 |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  | 1004 appraisal in file, UCDP score of 2.6. AVM shows -2% variance. FSD of .12 is within guidelines of <.13. CDA shows no variance. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 96 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Disaster Inspection confirmed no damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -3.47% | XXXX | 91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | QVM Comprehensive Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 87 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 5.96% | XXXX | 81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 2 AVM in file with FSD scores outside guidelines. Originator obtained full 1004 with UCDP meeting guidelines. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 1 | Property not affected by recent storms. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ICE CA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -10.56% | XXXX | 88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 2.5 | AVM is dated xx/xx/xx, PCI page xxx;<br>AVM Confidence score was out side the allowable range and was not utilized by the lender as a valuation tool. Full appraisal in file dated xx/xx/xx. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 3.5 | Noncomforming lot, allowed to rebuild. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.80% | XXXX | 88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 4.5 | CDA, Prior Listing & Sales section, states subject is currently listed for sale and subject is being appraised for a purchase. CDA states subject has been listed for sale, contract date was xx/xx/xx with price of $xxx. Not reported on the original appraisal. This discrepancy was not addressed. No prior sales noted on appraisal. Appraiser to address discrepancy. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ICE CA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Property Condition report indicates no property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ICE CA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ICE CA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 4.85% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | AVM is missing info such as room counts, size etc.<br>PCR shows no indication of property damage |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -10.33% | XXXX | 86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | AVM did not support value so 2055 appraisal was ordered. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 8.16% | XXXX | 88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ICE CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -10.88% | XXXX | 69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 80 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI not included in file, value not supported. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 15.88% | XXXX | 71 |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 9 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.28% | XXXX | 86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 4 | Solar system owned free and clear. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 1 | Leased Solar xxx/xxx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  | Per appraiser, there are two HOA fees of $xxx/mo and one for $xx/year for total $of xxx/mo |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 0 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Page xxx Clear Capital AVM<br>Page xxx Clear Capital Exterior Property Condition Inspection |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -15.11% | XXXX | 91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | Quality Control Summary paged xxx<br>Solar is leased page xxx; SunRun page xxx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | Quality Control Summary page xxx. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | Ice CA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | Clear AVM and Prop Condition Inspec |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.59% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 87 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. 2075 Inspection also shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 96 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCR shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 3.5 | SSR scores returned > 2.5 however no secondary valuation is required per guidelines. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing PCI |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 97 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | Property Explorer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | Agile Insights |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.41% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ICE CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -20.35% | XXXX | 92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | PCI shows no indication of property damage. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 | Recert of Value 1004D dated xx/xx/xx. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 4 | Comments on no damage from disaster. Appraisal completed after wildfires started. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  | Disaster inspection dated xx/xx/xx. No damage noted, disaster not active in the subject area. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -5.01% | XXXX | 83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 84.67% | XXXX | 67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -26.71% | XXXX | 83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 4 | ClearAVM page xxx dated xx/xx/xx is $xxx vs appraisal page xxx dated xx/xx/xx of $xxx. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 0 | Home Value Explorer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Confidence score is "H" |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Zoning comment; the subject development was approved by special permit SP 2002-4 and is a legal conforming use. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 97 | Total Home Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | CearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 4.5 | No agricultural use. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 87 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | FSD up to 0.13 acceptable per guideline |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 87 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 9.30% | XXXX | 93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | HOA is voluntary, no mandatory dues. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -2.96% | XXXX | 88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 96 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ICE CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -1.00% | XXXX | 77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 4.5 | Based on current activities there was a decrease in sales from December xxxx to January xxxx of -12.9%. LTV max allowed - -5% LTV Exception - Appraisal reflects subject to be in a declining market which required a 5% LTV reduction. Max allowed LTV/CLTV is 80% with a 777 FICO. Lender approved at 79.82%. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 87 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 12.69% | XXXX | 87 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | Appraisal does not have subject property marked as a PUD. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -26.89% | XXXX | 87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | Residential AVM Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 87 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 7.15% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 18.61% | XXXX | 89 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -6.90% | XXXX | 94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | Declining Markets:<br>• If an appraisal or other property valuation indicates the subject property is in a declining market, the maximum LTV/CLTV must be reduced by 5% |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.20% | XXXX | 92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | Appraisal shows a prior sale date of XX/XX/XX with no sales price. Appraiser noted that assessor records reflect a transfer in name only from Borrower A to Borrower A and Borrower B as of XX/XX/XX. Title notes 1st lien date of XX/XX/XX. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 6.33% | XXXX | 82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -7.16% | XXXX | 84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (Name) p. xxx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Standard PCI by (redacted) p. xx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  | (name) Quality Control Summary provided p. xxx, 900 Quality score. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 | P.xxx value supported. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 4 | Notes on the 1008 xx state the subject was purchased less than 12 months prior and purchase price value of ($) was used for LTV/CLTV. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | P. xxx Value supported. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ($) AVM p. xx ($) PCI p. xxx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 | Completion Cert 1004D p. xxx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | Clear AVM PCI |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4 | Value supported. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 0 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 | Value supported. Insurance, p. xxx shows Landlord Furnishings coverage, credit report and income documentation support owner occupancy |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 1.5 | Appraiser license is missing verified through FL DBPR that appraiser is active with a license current through xx/xx/xxxx. Owner of Public record mismatch seems to be due to borrowers' choice to use a Fictitious name due to line of work, p. xxx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 97 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | p. xxx AVM. p. xxx Exterior PCI Inspection |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Agile Evaluation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 | Appears appraiser has age of subject (10) and effect age (15) backwards. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 0 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Property Condition Inspection p xxx is not for subject property. Appears to be for (redacted) instead of (redacted). |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -5.36% | XXXX | 86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -14.25% | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ICE CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ICE CA Value AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 96 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The file contains a Solar power purchase agreement p.xxx, xxx |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -28.17% | XXXX | 93 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | HouseCanary |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 | Fannie and Freddie were run again for a corrected APN on the appraisal. The appraisal in file has the correct APN. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The appraisal in the file is revised, SSRs in the file are for the appraisal prior to revision (pxxx/xxx). No secondary valuation required per guideline, so these were not entered and no exception set for updated versions. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | FastApp |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | Agile Evaluation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | ClearAVM and PCI |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 97 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | Fastapp |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 87 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | ICE CA Vlaue AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | AVM + PCI |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 | Page xxx has a comment from the appraiser regarding a full 1st and 2nd floor addition to the subject which increased the GLA. The documentation for this addition ia p.xxx to p.xxx. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing documentation to support value used of ($) |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 87 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 97 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 93 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 89 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | Fastapp |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  | Property is newly constructed and vacant. LOE on occupancy history. Adjustments are excessive, comments notes the property is an over-improvement, CDA supports value. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 94 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | C;ear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 1.5 | Condition issues noted with broken window and 2 small holes in siding were deemed to be cosmetic by appraiser pg xxx. New window installed pg xxx. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 2 | The file contains an appraisal p.xxx with a value of ($). Notes on another appraisal p.xxx states a reconsideration of value was requested and lot size adjustments are altered taking into consideration the area of the subject property cut off by a road which runs through it. The reconsidered value is ($). |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | Recert of value date xx/xx/xxxx. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 4.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 4 | Guideline exception for rural property approved with max CLTV of (redacted) and (redacted) FICO, page (redacted). |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 2.5 | Purchased new 2 months prior- used purchase price (redacted) instead of appraised value (redacted). |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 91 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -16.17% | XXXX | 82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 2 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 7.33% | XXXX | 97 | HouseCanary Value |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Photo on AVM does not reflect same property in Property Condition Inspection, pages x, x. |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 4 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 90 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 95 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 88 | Clear AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 3 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | 0.00% | XXXX | 92 | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2.5 |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |  |
| XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  | XXXX | XXXX | -5.79% | XXXX | 91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |  |

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